On $100 the two in-person card rates tie. The crossover is $100 because 2.6% + $0.15 equals 2.7% + $0.05 at that amount.
Updated Oct 2026. Planning only. Figures are the opening keeps on the linked hubs.
Tie. Both keep $97.25 on $100.
Below $100, Stripe Terminal keeps more. Above $100, Square Free keeps more.
| Method | Fee on the hub | Keep on $100 |
|---|---|---|
| Square tap, dip, or swipe (Free) | 2.6% + $0.15 | $97.25 |
| Stripe Terminal | 2.7% + $0.05 | $97.25 |
| Stripe Tap to Pay | 2.7% + $0.05, plus $0.10 Tap authorization | $97.15 |
Online rates are on Square vs Stripe online.
Square Free keeps $19.33. Stripe Terminal keeps $19.41. Stripe Terminal keeps $0.08 more on $20.
Yes on these hubs. Tap to Pay adds a $0.10 authorization, so $100 keeps $97.15 instead of the Terminal $97.25.
Use the Square vs Stripe online page. This page is the in-person pair only.
Official pages: Stripe pricing and Square fees.