PayPal Business vs Phone.com: which one fits your business?
Side-by-side comparison of PayPal Business and Phone.com — 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 7.3/10).
| Scored on | PayPal Business | Phone.com |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 7 | 8 |
| Customer support | 5 | 6 |
| Features | 9 | 7 |
| Monthly fee | $0 | — |
| Online transaction fee | 2.99% + fixed fee | — |
| In-person (QR) fee | 2.29% + $0.09 | — |
| Instant transfer fee | 1.5% (capped) | — |
| Basic Plan (Annual) | — | $12.74/mo |
| Plus Plan (Annual) | — | $18.69/mo |
| Pro Plan (Annual) | — | $27.19/mo |
| Activation Fee | — | $0 |
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.
Phone.com in one paragraph
Phone.com is the best budget-friendly choice for solo owners and small clinics needing HIPAA compliance without enterprise complexity.
Skip it if: Skip it if you have more than 5 employees who are on the phone constantly, as unlimited plans elsewhere will be cheaper.
Frequently asked questions
Which is better, PayPal Business or Phone.com?
On our five-axis scorecard, PayPal Business scores higher (7.8/10 vs 7.3/10). 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 PayPal Business?
You should not pick this if you process over $50,000 monthly and need a dedicated account representative to handle disputes.
Who should skip Phone.com?
Skip it if you have more than 5 employees who are on the phone constantly, as unlimited plans elsewhere will be cheaper.