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OnPay

OnPay

What is OnPay?

OnPay is a US payroll and HR software platform for small businesses covering full-service payroll with all federal/state/local tax filings, HR tools (employee records, onboarding, PTO tracking, time off, document storage), benefits administration with broker integrations, multi-state payroll, contractor payments, and 401(k) integrations. Flat monthly pricing differentiates from per-tier alternatives.

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    OnPay Features

    Automated tax filing

    Direct deposit

    Employee self service

    Payroll reporting

    Time tracking integration

    Benefits management

    View All 27 Features
    Garnishment management
    Multiple pay rates
    Customizable pay schedules
    Mobile access
    Compliance management
    New hire reporting
    Pto tracking
    W 2 and 1099 processing
    Multi state payroll
    Accounting software integration
    Customizable reports
    Employee onboarding
    Hr tools
    Customer support
    Document management
    Expense management
    Payroll management
    Shift management
    Time & attendance management
    Pay slip
    Data imports/exports

    OnPay Pricing Plans

    onpay Quote-based

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    • See Core Capability section in profile body for full feature breakdown
    • Contact vendor for tailored quote based on employee count, module mix, country deployment, and managed services scope

    OnPay Resources

    OnPay Screenshots

    Onpay Payroll Overview Screenshot Onpay Onboarding Setup Screenshot Onpay Enter Hours Screen Screenshot Onpay Payroll Reports Overview Screenshot Onpay Payroll Summary Report Screenshot
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    Description

    OnPay Field Guide

    Best fit forUS small businesses (1-500 employees) needing full-service payroll with all tax filings, HR tools (employee records, onboarding, PTO tracking, document storage), benefits administration, multi-state payroll, contractor payments, and 401(k) integrations at predictable flat monthly pricing
    IndustriesUS small businesses across professional services, retail, restaurants, healthcare, manufacturing, non-profit, education, agriculture, hospitality, construction, and other US small business sectors
    Core capabilityFull-service US payroll with federal/state/local tax filings (W-2, W-3, 1099, 1095 forms), HR tools (employee records, onboarding, PTO tracking, time off, document storage with e-signatures), benefits administration with broker integrations (health insurance, 401(k), HSA, FSA), multi-state payroll for distributed teams, contractor and 1099 payments, agricultural payroll, restaurant payroll with tip handling, mobile self-service for employees
    PricingOnPay pricing: $46 per month base fee plus $6 per person per month (employees and contractors). Includes all tax filings, HR tools, benefits administration. No add-on fees. Visit onpay.com/pricing.
    DifferentiatorOnPay is positioned as transparent flat-monthly-pricing US payroll for small businesses. Where Gusto and Paychex Flex have multiple tiers, OnPay positions on one flat plan with all features included.
    HeadquartersOnPay is headquartered in Atlanta, Georgia, USA serving US small businesses with cloud-based payroll and HR.
    CustomersUsed by US small businesses across professional services, retail, restaurants, healthcare, manufacturing, non-profit, education, agriculture, and hospitality.
    MobileMobile-responsive web with mobile apps for employee self-service, payslip access, and PTO requests.

    Where OnPay Wins

    Flat transparent pricing. $46 base plus $6 per person per month. No add-on fees or tier upsells.

    All tax filings included. Federal, state, and local payroll tax filings with no add-on charges.

    Multi-state payroll. Native multi-state US payroll without additional fees.

    Agricultural and restaurant payroll. Industry-specific payroll handling (farm labor, tip pooling).

    Benefits administration with broker integrations. Health insurance, 401(k), HSA, FSA with broker network.

    Includes HR tools. Employee records, onboarding, PTO tracking, document storage included at base price.

    Where OnPay Falls Short

    US-domestic only. Optimized for US small businesses.

    SMB design center. Designed for 1-500 employees. Mid-market and enterprise evaluate Paylocity, Paychex, or ADP.

    Limited talent management. HR tools focus on basics. Advanced talent management requires HRIS-plus.

    Who Should Use OnPay?

    OnPay is the right call when a US small business (1-500 employees) needs full-service payroll with all federal/state/local tax filings, HR tools, benefits administration with broker integrations, multi-state payroll, contractor payments, 401(k) integrations, and industry-specific payroll (agricultural, restaurant) at predictable flat monthly pricing.

    OnPay is the wrong call for US mid-market and enterprise (evaluate Paylocity or Paychex Flex), for global multi-country, and for personal task management.

    OnPay Alternatives

    Gusto - SMB payroll and HR for US small businesses.

    Paychex Flex - SMB-to-mid-market payroll plus HR services.

    QuickBooks Payroll - SMB payroll integrated with QuickBooks.

    Square Payroll - SMB payroll for Square ecosystem.

    ADP - Enterprise payroll.

    Justworks - Modern PEO platform.

    Rippling - HR plus IT plus finance unified.

    What Reddit and LinkedIn Reviewers Say

    Discussions on r/smallbusiness position OnPay as transparent SMB payroll alongside Gusto, QuickBooks Payroll, and Square Payroll.

    LinkedIn discussions among US small business owners highlight OnPay flat pricing and all-tax-filings-included as differentiators.

    Final Take on OnPay

    OnPay is the right call when a US small business (1-500 employees) needs full-service payroll with all federal/state/local tax filings, HR tools, benefits administration with broker integrations, multi-state payroll, contractor payments, 401(k) integrations, and industry-specific payroll (agricultural, restaurant) at predictable flat monthly pricing. The combination of capabilities delivers value alternatives cannot match for the right buyer profile.

    Adjacent reading: OnPay buyers also evaluate Gusto and HR software tools for broader category context.

    Implementation considerations: US small business (1-50 employees) deploys OnPay in 1-2 weeks via self-serve setup. Larger small business (50-500 employees) runs 2-4 weeks including data migration and benefits broker setup.

    Buyer evaluation tips: Engage OnPay at onpay.com with employee count and benefits broker mix. Flat pricing ($46 base + $6/person/month) makes total cost easy to model. Run parallel evaluations against Gusto, QuickBooks Payroll, and Paychex Flex.

    Verified on 2026-06-09 by the SaaSRat Editorial Team. Vendor facts cross-checked against onpay.com and current 2026 vendor disclosures. About our methodology.

    Frequently Asked Questions

    How much does OnPay cost in 2026?
    OnPay uses transparent flat-rate pricing at $49 per month base + $6 per employee per month, vendor-verified on onpay.com/pricing. There is one tier with no upsell complexity. First month is free without credit card requirement.
    What is included in OnPay payroll?
    OnPay includes full-service 50-state US payroll, federal-state-local tax filing with accuracy guarantee, HR onboarding, document management, benefits administration through licensed broker partnerships, specialty industry support, and time tracking integrations.
    Does OnPay handle multi-state payroll?
    Yes. OnPay covers all 50 US states plus DC, including federal, state, and local tax filing. Multi-state employers benefit from a single platform handling tax registrations, filings, and compliance across jurisdictions at no additional cost.
    How does OnPay compare to Gusto?
    OnPay is stronger on transparent flat-rate pricing (one tier at $49 base + $6 per employee) and specialty industry support (agriculture, churches, restaurants, nonprofits). Gusto is stronger on brand recognition, benefits administration depth, and tier upgrades for advanced HR.
    Does OnPay support specialty industries?
    Yes. OnPay has dedicated support for agriculture (Form 943), churches (clergy housing allowance), restaurants (tip credit calculations), nonprofits (501(c)(3) handling), and other specialty scenarios that generic payroll providers handle poorly or not at all.
    Is OnPay available outside the United States?
    No. OnPay is US-only with native 50-state payroll. Businesses needing native multi-country payroll for international employees should evaluate Deel, Remote, or Dayforce instead.
    How long does OnPay implementation take?
    Most small businesses launch payroll within 1 to 2 weeks using the guided self-service onboarding wizard. OnPay onboarding teams provide free data conversion services for buyers switching from QuickBooks Payroll, Paychex, ADP, or other payroll providers.
    Does OnPay include benefits administration?
    Yes. OnPay Benefits offers medical, dental, vision, retirement, FSA, and HSA through OnPay-licensed broker partnerships. Benefits enrollment integrates with payroll deductions, and ACA reporting is handled inside OnPay.
    Is OnPay SOC 2 compliant?
    Yes. OnPay maintains SOC 2 Type II certification and is recognized by the IRS as a payroll service provider. Compliance documentation is available to clients during procurement and security reviews.
    Does OnPay integrate with QuickBooks?
    Yes. OnPay offers native integration with QuickBooks Online and Xero accounting tools. Payroll data flows directly to general ledger entries without manual reconciliation. OnPay also runs an Accountant Partner Program with free OnPay for accountants serving small business clients.
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