OpenPhone vs PayPal Business: which one fits your business?
Side-by-side comparison of OpenPhone and PayPal Business — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: PayPal Business wins on our scorecard (7.8/10 vs 7.6/10).
| Scored on | OpenPhone | PayPal Business |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 9 |
| Fees & pricing | 8 | 7 |
| Customer support | 5 | 5 |
| Features | 9 | 9 |
| Starter Plan (Annual) | $15/user/mo | — |
| Business Plan (Annual) | $23/user/mo | — |
| A2P 10DLC Registration | Varies by carrier | — |
| Additional Numbers | $5/mo | — |
| Monthly fee | — | $0 |
| Online transaction fee | — | 2.99% + fixed fee |
| In-person (QR) fee | — | 2.29% + $0.09 |
| Instant transfer fee | — | 1.5% (capped) |
OpenPhone in one paragraph
OpenPhone is the best-in-class choice for tech-forward small teams that prioritize collaboration, provided they can navigate the strict 2026 messaging compliance rules.
Skip it if: Skip it if your business relies on high-volume outbound SMS marketing or if you require immediate 24/7 live phone support for troubleshooting.
PayPal Business in one paragraph
PayPal Business is the ultimate 'day one' tool for solopreneurs to get paid, though its automated fraud filters can be a headache for rapidly scaling firms.
Skip it if: You should not pick this if you process over $50,000 monthly and need a dedicated account representative to handle disputes.
Frequently asked questions
Which is better, OpenPhone or PayPal Business?
On our five-axis scorecard, PayPal Business scores higher (7.8/10 vs 7.6/10). PayPal Business is the ultimate 'day one' tool for solopreneurs to get paid, though its automated fraud filters can be a headache for rapidly scaling firms.
Who should skip OpenPhone?
Skip it if your business relies on high-volume outbound SMS marketing or if you require immediate 24/7 live phone support for troubleshooting.
Who should skip PayPal Business?
You should not pick this if you process over $50,000 monthly and need a dedicated account representative to handle disputes.