How to use the Venmo and Cash App fee calculator
- Pick Fee on a payment or What to charge (the amount to ask for so you keep a set amount).
- Enter the amount and choose the payment type: Venmo goods and services on a personal account, a Venmo business profile, Cash App for Business, or a free friends and family payment.
- Tick Instant transfer if you move the money to your bank straight away, and set the rate: 1.75% on Venmo, 0.5–1.75% on Cash App.
- Add the number of payments a month to see your fees for the month and the year.
Venmo and Cash App fees in 2026 (US)
| Payment | Fee paid by | Fee |
|---|---|---|
| Venmo goods and services (personal) | Seller | 2.99% |
| Venmo business profile | Seller | 1.9% + 10¢ |
| Cash App for Business | Seller | 2.6% + 15¢ |
| Friends and family (bank, debit or balance) | — | Free |
| Paying with a credit card | Sender | 3% |
| Venmo instant transfer | You | 1.75% (min 25¢, max $25) |
| Cash App instant deposit | You | 0.5–1.75% (min 25¢) |
Rates come from Venmo's and Cash App's published fee pages and help articles; both apps show the exact fee before you confirm, so check it in the app.
Fees at common amounts
| Payment | Venmo G&S | Venmo business | Cash App Business |
|---|---|---|---|
| $10 | $0.30 | $0.29 | $0.41 |
| $25 | $0.75 | $0.58 | $0.80 |
| $50 | $1.50 | $1.05 | $1.45 |
| $100 | $2.99 | $2.00 | $2.75 |
| $250 | $7.48 | $4.85 | $6.65 |
| $500 | $14.95 | $9.60 | $13.15 |
Why sellers shouldn't use friends and family payments
Asking a buyer to send "friends and family" avoids the fee, but it also removes purchase protection for the buyer and seller protection for you, and it breaks both apps' terms when it's really a sale. If a buyer disputes with their bank, you may have nothing to show. For any sale to someone you don't know, use goods and services or a business profile and build the fee into your price.
Instant transfer: worth the fee?
On a $500 week of sales, a Venmo instant transfer costs $8.75; over a year of weekly cash-outs that's more than $450. If you can wait one to three days, the standard transfer is free. Keep a small buffer in your bank so you rarely need instant cash.
Venmo and Cash App vs PayPal, Stripe and Square
For small sellers, a Venmo business profile is one of the cheapest options at 1.9% + 10¢, against PayPal's 3.49% + 49¢. For in-person sales with a card reader, Square costs about the same as Cash App for Business. Compare with the PayPal fee calculator and the Square fee calculator. Reselling on marketplaces instead? The reseller fee calculator compares eBay, Poshmark, Mercari, Depop and more; read how to start reselling for the basics. Splitting bills with roommates rather than selling? Friends and family payments are free; the rent split calculator divides the rent fairly.
Taxes on Venmo and Cash App sales
Payments for goods and services can be reported to the IRS on Form 1099-K once you pass the reporting threshold. Personal friends and family payments aren't income. Keep a record of what you paid for each item sold, because profit, not the payment, is what's taxed.
Track sales, fees and profit
Flip is a reseller profit tracker that records what you paid, what you sold for and every fee, so you see true profit per item. Till does the same for any small business. Both have a free demo you can open in your browser.
US rates checked October 2026; an estimate, not financial advice.
Frequently asked questions
How much is the Venmo fee for goods and services?
What does a Venmo business profile cost?
How much is the Cash App for Business fee?
How much is a Venmo instant transfer?
How much is a Cash App instant deposit?
Is there a fee to send money with a credit card?
Written by
Finance Specialist & Editor, VaultlyApps
Emma Whitfield writes and edits the VaultlyApps money guides and free calculators. Her focus is US household finance — budgeting on a real paycheck, paying down credit card and student debt, emergency funds and savings goals, renting — and the money side of freelancing and small-business income, from pricing and profit margins to self-employment tax. Every guide is researched against primary sources such as IRS publications and the CFPB, every number is checked in our tested calculators, and tax content is reviewed each year when new IRS figures come out. Emma is not a licensed financial adviser or tax preparer; her work is general education, not personal advice.
Researched against primary US sources, checked against independent calculators and reviewed by a finance expert on our team. Written for US readers — general education, not financial, tax or legal advice. Editorial policy · Disclaimer
