OnPay is a full-service payroll solution for small businesses with up to 50 employees. It’s affordable ($36 per month, plus $4 per active employee), easy to use, helps pay employees and taxes, and offers benefits administration. It caters to religious and nonprofit organizations and several industries, including restaurant, agriculture, and legal services.
What We Recommend OnPay For
OnPay, a cloud-based mobile platform, helps small business owners process employee and contractor payroll automatically, as it calculates, withholds, and pays employee state and federal payroll taxes each pay run. It also files year-end forms 940 and 941 for you at no additional cost.
In short, OnPay is best for:
- Small companies needing to switch from complex software: Many businesses that use OnPay have less than 50 employees and swear by it because it’s easy to use and handles the important payroll-related tasks (paying workers and tax agencies). If you have a low-maintenance business, you’ll find it more affordable than some of the big-name payroll providers and less cluttered (meaning fewer extraneous payroll and HR services).
- Small agricultural companies: OnPay processes separate tax filing reports for farm vs non-farm workers—and not every provider can handle this specialty. If you have workers who are on an H-2A visa, OnPay will pay and process taxes for them.
- Small businesses needing HR support: OnPay offers small business owners access to a variety of HR tools, such as employee offer letters, self-onboarding, PTO management, in-app messaging, and HR auditing. It also provides benefit administration and will connect you with a variety of benefit partners so that your employees can sign up for retirement, health insurance, life, disability, and FSA, HSA, and commuter benefits.
If you’re already using a payroll solution and are considering changing to another, check out our guide on how to switch payroll providers to ensure you make all the right moves beforehand.
When OnPay Would Not Be a Good Fit
- International payroll operations: OnPay does not support large businesses needing payroll for foreign employees or even those assigned in U.S. territories. Check out our guide on top international payroll providers as they are better suited for this.
- Businesses that need 24/7 live customer support: If you need on-demand phone support to get quick answers to questions related to payroll, benefits, and HR—especially during weekends and holidays—OnPay may not be the right provider for you since its customer support team is available on weekdays. Providers such as Justworks do offer 24/7 support. Check out our top payroll software picks for more options.
Looking for something different? Read our guide to the best payroll services for small businesses to find a service or software that’s right for you.
|Runs flexible payroll, pays taxes, does year-end reporting with no extra costs||Doesn’t pay international employees|
|Offers penalty tax guarantee||Doesn’t offer tiers that cater to varying needs|
|Provides access to HR solutions and live customer support||Doesn’t have live phone support on weekends|
OnPay Pricing and Features
Pricing and Features Included
OnPay’s All-in-one Payroll Product
$36 + $4 per active employee
Payroll Tax Filing and Payments
Unlimited Payroll Runs
Multiple Pay Rates and Schedules
*W-2 and 1099 Forms Generation
**Pay by Direct Deposits, Debit Card and Manual Check
Accounting and Time-Tracking Integrations
Employee Self-Service Portal + Automated Onboarding
State New Hire Reporting
Document Storage and Personnel Files
In-App PTO Requests and Approval
Health and Dental Benefits, 401(k), Workers’ Comp
COVID-19 Reporting Tools
Free Account Migration
*OnPay can print and mail W-2 and 1099 forms for you for $5 per form (plus shipping and handling fees).
**For insufficient funds to cover the cost of a pay run, OnPay will charge a non-sufficient funds (NSF) fee of $50 per returned item.
OnPay is a software that small businesses can rely on to start processing payroll and withhold employee taxes. It comes with a robust set of HR tools and provides access to a lot of benefit options. Its support team can even handle your account’s employee information and prior wages’ migration for free. You just have to provide them with your company’s basic information.
OnPay, which is optimized for mobile so that you can process payroll at any time, offers the following payroll processing-related capabilities:
- Handles unlimited monthly pay runs and pays employees and contractors via paper check, debit card, or direct deposit
- Processes payroll reports that can be viewed in real time, downloaded as a PDF or spreadsheet, and then exported using your existing accounting software
- Permits you to set up multiple pay rates and pay schedules
- Allows employees to access their pay stubs and documents through its self-service portal—even after they resign
Payroll Tax Management
OnPay automatically calculates, withholds, and pays payroll taxes quarterly and annually. It also has a penalty-free guarantee as a result of mistakes made by its representatives. It can help with the following regular and special payroll services:
- For general businesses: Files and pays federal and state unemployment insurance on time plus year-end reports (940, 941, W-2, W-3, 1099, and 1096)
- For restaurants: Calculates tipped wages even for overtime work rendered and helps you with minimum wage tip makeup, and prepares Form 8846
- For farms and agriculture: Processes tax filings for agricultural workers (Form 943) and non-farm employees, including payment and processing of taxes for workers on H-2A visas
- For nonprofit organizations: Handles and files federal unemployment taxes (FUTA) tax exemptions for 501(c)(3) organizations
- For clergy and churches: Excludes any parsonage allowances from calculations and FUTA, Social Security, and Medicare taxes (FICA)
OnPay offers new hire reporting and onboarding. It allows you to:
- sign documents electronically
- create offer letters
- organize documents, tasks, and organizational charts
- access built-in document templates
- delegate and track non-HR tasks
- perform compliance audits
- store documents and personnel files
- customize your company’s paid-time-off (PTO) policies
- handle PTO requests and approvals track accruals automatically every pay run
OnPay partners with several benefits providers, from which your employees can sign up for a wide range of benefits—from medical and dental, to retirement and workers’ compensation plans in all 50 states. It has established partnerships with the following providers:
- America’s Best 401(k)
- BlueCross BlueShield
- United Healthcare
It also has in-house licensed brokers who can help you identify the best options when you need other benefits like vision, disability, and life insurance. All premiums are automatically deducted each time you run payroll.
For optimum performance and the prevention of repetitive tasks, OnPay integrates with the following software:
- Accounting: QuickBooks Online, QuickBooks Desktop, and Xero
- Time tracking: Deputy, Humanity, TSheets, and When I Work
- Farm financial management: Magnify
- HR and compliance: ThinkHR and PosterElite
OnPay has representatives who can help you set up your account or migrate your employees’ information and even their prior wages. You can also get assistance from payroll experts through phone, email, and chat from 9 a.m. to 8 p.m. Eastern time on weekdays.
OnPay Ease of Use
- User-friendly with an intuitive dashboard
- Affordable for small businesses
- Responsive support staff
- Supports multiple pay rates and schedules
- Mobile application to run payroll anywhere
- Self-service portal
OnPay is easy to set up and navigate, even for those with no payroll background. Its interface is not overwhelming for beginners, and the learning curve isn’t steep.
Top OnPay Alternatives
Best for: Small businesses
Best for: QuickBooks accounting small businesses needing quick direct deposit
Best for: Small retailers and restaurants
Base monthly fee from: $19 to $149
Base monthly fee from: $45
Base monthly fee from: $29
Per-employee monthly fee from: $6 to $12
Per-employee monthly fee from: $4
Per-employee fee from: $5
If you need help evaluating which software is right for you, check out our guide on choosing the best payroll software.
What Users Think About OnPay
Most OnPay users left positive reviews on the web. A lot of them like that it is easy to use and navigate, even for new users. Others highlighted its good customer service and affordability. Some, however, want improvement on its reporting features and wish for more third-party integrations, like time-tracking. At the time of publication, OnPay reviews earned the following scores on other popular user review sites:
- Software Advice: 4.86 out of 5 based on 266 reviews.
- G2: 4.9 out of 5 based on 136 reviews.
- Capterra: 4.9 out of 5 based on 264 reviews.
When reading through user reviews, I noticed some of these trends:
Users Don’t Like
Easy to use
Intuitive and feature-rich
Cannot use the platform without logging out VPN if running it outside the U.S.
Responsive customer service
OnPay is a cloud-based payroll software that is accessible to small businesses and organizations in several industries. It lets you process employee and contractor payroll, automate tax payments and filings, and more without paying extra. Overall, it is a comprehensive and flexible payroll system that is affordable and easy to use.
Sign up with OnPay for a 30-day free trial—no credit card required.