Calculate Cash App fees for business payments, personal transfers, and instant bank withdrawals.
Business & personal payments · 2026
✓ Rates from Cash App's US help center · checked September 2026
Cash App for Business charges a processing fee on every payment you receive: 2.6% + $0.15 when a customer pays from their Cash App account, and 3% for payments you accept in person with Tap to Pay. Cash App deducts the fee automatically before the money reaches your balance. There's no monthly fee and no charge to open a business account, so what you pay scales directly with what you sell.
Cash App's fixed fee is only $0.15, which keeps small sales relatively cheap. On a $5 payment, Cash App takes $0.28, while PayPal Checkout would take $0.66 (3.49% + $0.49) — more than twice as much, almost entirely because of PayPal's larger fixed fee. Venmo's business profile is lower still at $0.20 on the same $5 sale.
This dynamic flips at higher transaction values, where the fixed-fee processors start to look more competitive. At $200, Cash App's fee is $5.35, while Stripe's online rate comes to $6.10 — Cash App still holds a modest edge, but the gap has narrowed considerably from the small-transaction comparison. Understanding where your typical transaction size falls relative to this crossover point helps determine which processor's fee structure genuinely favors your specific business.
Cash App's personal payment tier is genuinely free when funded by balance or linked bank account, which occasionally tempts sellers into accepting commercial payments through personal profiles to avoid the business processing fee. This approach carries real risk: personal payments lack any buyer protection, violate Cash App's terms of service for commercial use, and can result in account restrictions if Cash App's fraud detection flags the pattern of repeated "personal" payments from different senders — a common signature of disguised commercial activity that automated systems are specifically designed to catch.
Cash App's instant transfers cost between 0.5% and 2.5% of the amount, with a minimum fee of $0.25 to $1 and a maximum of $75. Cash App doesn't publish a single rate — it shows your exact fee before you confirm, so our calculator displays the possible range. Standard transfers taking 1–3 business days remain completely free. For sellers without an urgent cash flow need, defaulting to standard transfers and reserving instant transfers for genuine emergencies is a straightforward way to eliminate an entirely avoidable cost from your monthly fee total.
On price alone, Venmo's business profile (1.9% + $0.10) is cheaper than Cash App Business (2.6% + $0.15) at every transaction size — on a $100 payment, $2.00 versus $2.75. Beyond pure cost, the right choice often comes down to which app your specific customer base already has installed and trusts — a factor that, for many small sellers, ultimately matters more than the fractional percentage difference between the two platforms' fee structures.
| Transaction Type | Fee | On $100 | You Keep |
|---|---|---|---|
| Business payment (from a Cash App account) | 2.6% + $0.15 | $2.75 | $97.25 |
| Business payment via Tap to Pay | 3% | $3.00 | $97.00 |
| Personal payment | Free | $0.00 | $100.00 |
| Standard transfer to bank (1–3 days) | Free | $0.00 | $100.00 |
| Instant transfer | 0.5%–2.5% (min $0.25–$1, max $75) | $0.50–$2.50 | $97.50–$99.50 |
| Sending money with a credit card | 3% (sender pays) | $3.00 | — |
US Cash App accounts. Source: Cash App help center (business account fees and transfer speed options), checked September 2026.
What Cash App deducts from business payments, with Venmo's business profile alongside for comparison.
| Payment | Cash App (2.6% + $0.15) | Cash App Tap to Pay (3%) | Venmo business (1.9% + $0.10) |
|---|---|---|---|
| $5.00 | $0.28 | $0.15 | $0.20 |
| $10.00 | $0.41 | $0.30 | $0.29 |
| $25.00 | $0.80 | $0.75 | $0.58 |
| $50.00 | $1.45 | $1.50 | $1.05 |
| $100.00 | $2.75 | $3.00 | $2.00 |
| $250.00 | $6.65 | $7.50 | $4.85 |
| $500.00 | $13.15 | $15.00 | $9.60 |
| $1,000.00 | $26.15 | $30.00 | $19.10 |