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About OnPay
What is OnPay?
OnPay is a comprehensive payroll and HR solution designed to simplify paying your team, automating hiring and onboarding, managing benefits, and staying compliant with state and federal regulations. It's built for small to mid-size businesses, nonprofits, restaurants, farms, retail, dentists, franchises, healthcare, religious organizations, and gyms. OnPay also offers a free switching service for companies moving from another payroll provider.
Who is it for?
OnPay is ideal for business owners and accountants who want an all-in-one payroll platform with direct deposit, W-2 and contractor management, PTO tracking, 401(k) retirement, health insurance, workers' comp, and mobile employee self-service. It helps you save time and money by centralizing payroll, HR, and benefits in one place. If you're a small business new to payroll or growing mid-size company, OnPay scales with you. It's not designed for enterprise-level, complex global payroll needs.
Use cases
Real-world use cases include: a restaurant owner paying hourly staff with tips and managing shifts; a nonprofit handling 501(c)(3) compliance and benefits; a farm tracking seasonal contractors; a dentist office managing PTO and health insurance; a franchise ensuring consistent payroll across locations; and an accountant managing multiple clients via OnPay's partner dashboard. OnPay also offers tools like payroll calculators, state compliance guides, and a payroll glossary to help you stay informed.
Key features
- Payroll — Simplify paying your team with direct deposit, automatic tax filing, and easy payroll runs.
- HR — Automate hiring and onboarding with new hire paperwork, org charts, and employee self-service.
- Benefits — Offer health insurance, 401(k) retirement plans, PTO management, and workers' comp with expert help.
- Built-in reporting — Stay organized and compliant with customizable reports on payroll, taxes, and benefits.
- Mobile-friendly — Employees can view pay stubs, request time off, and update info via mobile devices.
- Integrations — Connect with popular accounting, time tracking, and HR tools to streamline workflows.
SaaSpartout Score
7.3
/10
Editorial score from our review methodology — not user ratings.
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OnPay Pricing
OnPay pricing: from $36/mo.
For comparison: the median starting price in Finance & Accounting is $19/month, measured across 145 tools we track. See the full SaaS Pricing Index →
OnPay Standard Plan
Start at $36 per month plus $4 per person per month. Includes full payroll, HR tools, benefits administration, and compliance support. Free trial available.
OnPay + 401(k) Plan
Adds 401(k) retirement plan administration for an additional monthly fee (exact pricing varies by plan). Includes all standard features plus retirement benefits management.
Free Trial
OnPay offers a free trial period (typically 30 days) so you can test the platform before committing. No credit card required during trial.
Frequently asked questions
How much does OnPay cost?
OnPay starts at $36 per month plus $4 per employee per month. This includes full payroll, HR, benefits administration, and compliance support. Additional features like 401(k) may cost extra.
Is OnPay free to try?
Yes, OnPay offers a free trial (usually 30 days) so you can test the platform. No credit card is required for the trial period.
Who is OnPay best for?
OnPay is best for small to mid-size businesses, including nonprofits, restaurants, farms, retail, dentists, franchises, healthcare, religious organizations, and gyms. It's also a strong choice for accountants managing multiple clients.
What are the top OnPay alternatives?
Compare OnPay with competitors like Gusto, ADP, Paychex, and QuickBooks Payroll. OnPay stands out for its transparent pricing, free switching service, and strong HR features.
Does OnPay offer HR and benefits?
Yes, OnPay includes HR features like hiring and onboarding, PTO management, org charts, and employee self-service. Benefits include health insurance, 401(k), and workers' comp.
Does OnPay charge per employee?
Yes, OnPay charges a per-employee monthly fee on top of the base price. The per-person rate is $4 per month, which is competitive for full-service payroll and HR.
