Cash App fee calculator
Enter a sale and the rate shown in your Cash App Business account. The calculator shows what you keep — and why this page will not pretend the rate is published.
Cash App does not publish this on its public terms page. 2.75% is the commonly reported rate; use the number your app shows. It is not confirmed by Unlockable.
Leave this at zero unless your account shows a separate fixed charge.
You keep
$24.31
On a $25.00 sale at 2.75%.
- Cash App fee
- $0.69
- Effective rate
- 2.8%
- Buyer pays
- $25.00
Cash App Business vs personal Cash App
A personal Cash App account is for sending and receiving money between people. A Cash App Business Account is the product for selling goods and services: it is US-only, subject to eligibility checks, and has its own fee disclosure. Using a personal account for business is not the intended route, and it does not give you a merchant relationship.
The Business Terms say the business will pay “the applicable fees disclosed at creation or during use” of the account. That is why there is no public rate table to cite. The number is in the app, not on a marketing page.
What Cash App charges
The table separates what is published from what is shown in the account. The calculator uses the rate you enter; 2.75% is only a starting point, not a confirmed Cash App rate.
| Product | Rate | Status |
|---|---|---|
| Business payment | 2.75% (commonly reported; not published) | Verify in app |
| Instant deposit | Shown in the app; commonly 0.5%–1.75%, with a minimum | Not modelled |
| Personal payments | Free between people | Not for business use |
| Availability | US only for Cash App Business | Terms |
Why this page asks you to check your rate
Most Cash App fee pages state 2.75% as a fact. It may well be the rate you see, but it is not on Cash App’s public terms page, and the site’s rule is that a named company’s fee needs a source and a date. Rather than copy an unverified number, the calculator puts the rate in your hands and says where it came from.
If your app shows a different percentage, use it. The result will be wrong for your account otherwise, even if it matches a dozen other websites. The Cash App Business Terms are the authoritative document; the app shows the number.
Cash App fees at common prices
At the commonly reported 2.75%, a $10 sale has a $0.28 fee and leaves $9.72; a $25 sale has a $0.69 fee and leaves $24.31; a $100 sale has a $2.75 fee and leaves $97.25. The effective rate is slightly above 2.75% on small sales because the fee is rounded to the cent. Change the rate above to match your account.
Is Cash App good for selling digital products?
Cash App moves money. It does not host or deliver the file, expire the link, cap the number of downloads or handle sales tax. A buyer who receives a public file URL can forward it. That is acceptable for a one-off sale to someone you know; it is a weak fit for a product you sell repeatedly.
If you want to accept the payment and still control delivery, treat Cash App as the payment step and solve delivery separately. Unlockable is one option: one paid link, a file that is not at a public address, and a link that can expire or be capped. See Unlockable’s pricing for the fee model.
Cash App vs Venmo vs Square
The three are not interchangeable. Square is a full processor and point-of-sale product with published rates. Venmo is a wallet with an approved business profile and a published US rate. Cash App is a payment app whose business rate is shown in the account. For a digital product, the more important difference is what each one does after the payment: none of them delivers the file or handles tax.
Use the Venmo fee calculator and the Square fee calculator for the published rates, or the Stripe vs PayPal comparison for the processor-level view.
What the calculator leaves out
Instant deposit variations, chargebacks, reserves, tax, account limits, eligibility and any monthly or hardware costs are not in the per-sale result. The calculator is a model of one sale at the rate you enter, not a quote from Cash App. Check the app and the terms before you price a product around it.
Related calculators and guides
Compare the Venmo business profile fee, the Square online and in-person fees, or the full creator platform comparison.
Frequently asked questions
- How much does Cash App Business charge?
- Cash App does not publish the business rate on a public page. Its Business Terms say fees are disclosed when the account is created or during use, and the widely reported rate is 2.75% per payment. The calculator starts at 2.75% but lets you enter the rate shown in your own app. That is the only honest answer without a confirmed public source.
- Why does the calculator ask me to enter the rate?
- Because the rate is not on Cash App’s public terms page. A calculator that hard-codes 2.75% would be making a claim the site cannot source. Entering the rate from your app gives you a result that matches your account, and it makes the uncertainty visible instead of hiding it.
- What is the difference between Cash App and Cash App Business?
- A personal Cash App account is for sending and receiving money between people; it is not a business account. A Cash App Business Account is for selling goods and services, is US-only, and has its own fee disclosure. Using a personal account for business is not the intended route.
- Does Cash App charge for instant deposits?
- Yes, when you choose an instant deposit rather than the standard bank transfer. The fee is shown in the app and is commonly reported as a percentage in the 0.5%–1.75% range with a minimum. This calculator models the sale fee, not the cash-out fee; check the amount shown before you confirm a deposit.
- Is Cash App available outside the US?
- The Cash App Business Account terms restrict business services to the fifty US states and the District of Columbia. This page and calculator are US-only. Do not convert a US rate into sterling for a UK business, and do not assume a UK account can use the business product.
- Can I use Cash App to sell digital products?
- You can receive a payment, but Cash App does not deliver the file, expire the link, cap downloads or handle sales tax. It is a payment app, not a checkout. For a digital product sold repeatedly, the delivery and access-control part still needs a separate tool.
- Is Cash App cheaper than Venmo or Square?
- At the commonly reported 2.75%, Cash App is more expensive than a Venmo business profile at 1.9% + $0.10 on small sales, and cheaper than Square’s Free online rate at 3.3% + 30¢. But the rates are not the whole comparison: Square is a full processor, Venmo is a wallet, and Cash App is a payment app. Check the rate that applies to your account before choosing on price.
- What about chargebacks and disputes?
- Cash App Business is a card-accepting product and chargebacks are your liability; the Business Terms describe recovery from your balance or linked account. The per-sale calculator does not include chargeback fees or reserves, because most sales do not have one. Read the terms before you rely on the account for a high-volume product.
- Does Cash App refund its fee if I refund a buyer?
- Cash App’s Business Terms do not publish a seller-fee refund policy, and the business rate itself is not public. Do not assume the fee comes back on a refund. Check the transaction in your app before you build a refund policy around it.
- Why is there no “I want to receive” mode?
- Because the rate is entered by the user and the page is about showing the arithmetic, not solving a target. If you want a reverse calculation, use the Stripe, PayPal or Square calculators, where the rate is published and the solve is exact.
Sources
Cash App is a trademark of Block, Inc. Unlockable is not affiliated with Cash App.