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If a Square merchant allows customers to pay with cashapp, there is no fee. But if the customer uses the cashapp visa debit card, then the Square merchant would incur the same card fees as any other Visa card. If the Square merchant accepts bitcoin payments, then I believe there are no processing fees until 2027. After that, we’ll have to wait and see. As for whether the merchant “tips” themselves this way, it depends whether they bake the processing fees into their prices or not. Some Square merchants manually add a service charge when paying with paying with cards to cover the card fees.

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"Some Square merchants manually add a service charge when paying with paying with cards to cover the card fees" This is good to know. I figured Square was likely baking the card fees right into the service. Instead, it sounds like merchants actually already have the option to not 'tip' themselves the amount of the card fees if the customer is paying in btc (offering a lower cost to the customer does tend to lead to having more customers after all).