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 7.8/10).
| Scored on | OnPay | Square POS |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 9 |
| Fees & pricing | 9 | 7 |
| Customer support | 7 | 5 |
| Features | 8 | 9 |
| Base Fee | $40/month | — |
| Per Person Fee | $6/month | — |
| Setup Fee | $0 | — |
| Monthly Software Fee | — | $0 (Free tier available) |
| In-Person Swipe/Tap | — | 2.6% + 10¢ |
| Online/Invoiced Sale | — | 2.9% + 30¢ |
| Instant Transfer Fee | — | 1.75% per transfer |
OnPay in one paragraph
OnPay is the best value-for-money payroll provider for small businesses that want flat-rate pricing without the 'tier' games.
Skip it if: Skip it if you require a dedicated native mobile app for your employees or need 24/7 phone support.
Square POS in one paragraph
Square is the fastest way to accept credit cards without a monthly fee, but high-volume businesses will eventually outgrow its flat-rate pricing.
Skip it if: Skip it if you process over $25,000 per month or sell high-risk items like CBD, as you'll save thousands elsewhere and face fewer account freezes.
Frequently asked questions
Which is better, OnPay or Square POS?
On our five-axis scorecard, OnPay scores higher (8.1/10 vs 7.8/10). OnPay is the best value-for-money payroll provider for small businesses that want flat-rate pricing without the 'tier' games.
Who should skip OnPay?
Skip it if you require a dedicated native mobile app for your employees or need 24/7 phone support.
Who should skip Square POS?
Skip it if you process over $25,000 per month or sell high-risk items like CBD, as you'll save thousands elsewhere and face fewer account freezes.