To dream of a payphone represents feelings about choosing to initiate a situation with some kind personal cost involved. Starting a situation with a progressive attitude.
Example: A man dreamed of looking at a payphone and hesitating to use it. In waking life he was hesitating to send very embarrassing apology emails to family members he had initially chastised for fighting with his father because his father became too arrogantly controlling for him to defend anymore. The payphone may have reflected his need to apologize to people by initiating an embarrassing situation for his father.