OpenPhone vs Square Payments: which one fits your business?
Side-by-side comparison of OpenPhone and Square Payments — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Square Payments wins on our scorecard (7.8/10 vs 7.6/10).
| Scored on | OpenPhone | Square Payments |
|---|---|---|
| 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 (Basic) |
| In-person Rate | — | 2.6% + 10¢ |
| Online/Keyed Rate | — | 2.9% - 3.5% + 15¢ |
| Instant Transfer Fee | — | 1.75% per transfer |
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.
Square Payments in one paragraph
Square is the gold standard for speed and simplicity, though you pay a premium in transaction fees for the convenience.
Skip it if: Skip it if your business processes more than $20,000 per month, as you'll save thousands elsewhere with interchange-plus pricing.
Frequently asked questions
Which is better, OpenPhone or Square Payments?
On our five-axis scorecard, Square Payments scores higher (7.8/10 vs 7.6/10). Square is the gold standard for speed and simplicity, though you pay a premium in transaction fees for the convenience.
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 Square Payments?
Skip it if your business processes more than $20,000 per month, as you'll save thousands elsewhere with interchange-plus pricing.