Cash App fee calculator
On a $50.00 payment, Cash App takes $1.45 and you keep $48.55. Enter your own numbers to see every fee.
Cash App fees
| Fee | Rate | Charged on |
|---|---|---|
| Processing fee | 2.6% + $0.15 | Order total incl. shipping and tax |
| Processing fee | |
|---|---|
| Business account (paid from a Cash App account) | 2.6% + $0.15 |
| Business account payment with Tap to Pay | 3% |
| Personal account goods and services payment (sole proprietor pilot) | No fee |
Fees verified on October 22, 2026 against Cash App’s own pages:
Cash App fee changes
- : A pilot lets eligible sole proprietors accept goods and services payments on a personal account with no fee.
PlainFees has tracked Cash App’s fees since October 22, 2026.
Worked examples
| Payment | Cash App takes | You keep | How it adds up |
|---|---|---|---|
| $20.00 | $0.67 | $19.33 | $20 payment to a business account: 2.6% of $20.00 = $0.52 + $0.15 = $0.67, per 'Cash App Business Fees' |
| $50.00 | $1.45 | $48.55 | $50 payment to a business account: 2.6% of $50.00 = $1.30 + $0.15 = $1.45, per 'Cash App Business Fees' |
| $200.00 | $5.35 | $194.65 | $200 payment to a business account: 2.6% of $200.00 = $5.20 + $0.15 = $5.35, per 'Cash App Business Fees' |
How Cash App fees work
Cash App charges businesses to receive payments, and lets eligible sole proprietors get paid on a personal account for free:
- Business account, paid from a customer's Cash App: 2.6% + $0.15. On $50 you keep $48.55.
- Business account, Tap to Pay: 3%. On $100 you keep $97.00.
- Personal account, goods and services (pilot): no fee for eligible sole proprietors.
The business rates come from Cash App's business fees page. Cash App deducts the fee before the money reaches your balance, and you can see it on each payment in the Activity tab.
The personal account pilot
On September 10, 2026, Cash App started a pilot that lets eligible sole proprietors accept goods and services payments on their personal account, with no separate business account and no fees. The Terms of Service say Cash App does "not currently charge fees in connection with the receipt of Earnings Transactions" but may add them with reasonable advance notice.
Getting your money out
Standard transfers to your bank are free and usually take 1–3 business days. Instant transfers to a linked debit card cost 0.5%–2.5%, with a minimum of $0.25–$1 and a maximum of $75. Cash App shows the exact fee before you confirm, so it isn't included in the calculator.
How to pay less on Cash App
- Check whether you qualify for the pilot. If you do, goods and services payments to your personal account carry no fee.
- Have customers pay from Cash App rather than Tap to Pay. On a $100 payment, that is $2.75 instead of $3.00.
- Use standard transfers. They are free.
Questions sellers ask
How much does Cash App charge a business to receive money?
2.6% + $0.15 per payment from a customer's Cash App account. On $100 that is $2.75, so you receive $97.25.
Does Cash App charge fees on a personal account?
Receiving money on a personal account is free. Eligible sole proprietors in Cash App's pilot can also accept goods and services payments there with no fee.
What is the Cash App Tap to Pay fee?
3% of each payment accepted with Tap to Pay on a business account.
How much does a Cash App instant transfer cost?
0.5%–2.5% of the amount, with a minimum of $0.25–$1 and a maximum of $75. The app shows the exact fee before you confirm.