Last checked: 2026-09-26
A digital download is not an in-person tap. Square’s Canada pricing page separates those cases. This page names the split. It does not reprint Square’s percentages, transfer fees, or instant-transfer limits. Recheck squareup.com/ca/en/pricing and squareup.com/help/ca/en/article/5068-what-are-square-s-fees before you open an account. Not tax, legal, or accounting advice. Square is not a processing row in the KeepCAD zip.
The pricing page labels credit card present as a tap, insert, or swipe in person. It labels card not present as a purchase through Online Store, Online Checkout, the eCommerce API, or an invoice paid online. A download sold through one of those online paths is the card-not-present label, not the in-person label.
Debit tapped or inserted in person is its own label on that page. Do not use the in-person debit row for an online download.
The same pricing page puts a manually keyed card, a card on file, and a payment link used with Virtual Terminal under keyed-in. That is a different label from Online Checkout. “Payment link” does not tell you which row applies. Read which Square product created the charge.
The Canada fees help article also separates in-person cards, eCommerce payments, and manually keyed or card-on-file payments. Its eCommerce list is not worded the same way as the pricing page’s card-not-present list. Recheck both pages and use the label that matches how the card is taken. This guide does not copy either page’s rates.
The pricing page says an additional charge applies to cards issued outside Canada, on top of the row for how the card was taken. The fees help article describes an international transaction fee for cards issued in a different country from the Square account, including in-person and online charges. This page does not print that add-on.
The pricing page’s FAQ separates a standard transfer to a bank account from an instant transfer that has a fee. The fees help article says processing fees are deducted before funds are transferred. Neither page is a promise about when a Canadian bank posts the deposit. This guide does not print the transfer fee or the instant-transfer limits.
KeepCAD 2026 does not include a Square processing row. It maps Gumroad, Payhip, Polar, Lemon Squeezy, Paddle, Stripe Payment Links, and Etsy. The sales page keeps one Discover versus Stripe teaser. The rest of that tape is in the zip.
Sources: squareup.com/ca/en/pricing and squareup.com/help/ca/en/article/5068-what-are-square-s-fees (fetched 26 September 2026; a request for the older fees help path redirected to that article). Recheck both. Not tax advice.