OnPay vs Square POS: which one fits your business?
Side-by-side comparison of OnPay and Square POS — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: OnPay wins on our scorecard (8.1/10 vs 7.5/10).
| Scored on | OnPay | Square POS |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 7 | 9 |
| Fees & pricing | 9 | 7 |
| Customer support | 7 | 5 |
| Features | 8 | 8 |
| Base Monthly Fee | $40.00 | — |
| Per Employee Fee | $6.00 | — |
| Setup Fee | $0.00 | — |
| Year-end W-2/1099s | Included | — |
| Basic Software Fee | — | $0/mo |
| In-Person Processing | — | 2.6% + 10¢ |
| Online Processing | — | 2.9% + 30¢ |
| Keyed-in Processing | — | 3.5% + 15¢ |
OnPay in one paragraph
OnPay is the best value-for-money payroll provider for U.S. small businesses that want flat, predictable pricing and full-service tax compliance.
Skip it if: Skip it if you need to pay international contractors or require a native mobile app to run payroll from your phone.
Square POS in one paragraph
Square POS remains the fastest way to start taking payments, but high-volume businesses will eventually outgrow its flat-rate pricing.
Skip it if: You process more than $25,000 a month and need a dedicated account manager who picks up the phone every time.
Frequently asked questions
Which is better, OnPay or Square POS?
On our five-axis scorecard, OnPay scores higher (8.1/10 vs 7.5/10). OnPay is the best value-for-money payroll provider for U.S. small businesses that want flat, predictable pricing and full-service tax compliance.
Who should skip OnPay?
Skip it if you need to pay international contractors or require a native mobile app to run payroll from your phone.
Who should skip Square POS?
You process more than $25,000 a month and need a dedicated account manager who picks up the phone every time.