The short answer
OnPay is payroll for small businesses at $49 a month plus $6 per worker, with HR, time tracking and live HR support as published add-ons. Rippling runs HR, payroll, IT and finance apps on one employee database; its small-business payroll starts at $40 a month plus $8 per user, and other products are priced on top.
LeadChange Score: editorial assessment based on public information.
OnPay wins 1Rippling wins 22 ties
| Dimension | OnPay | Rippling |
|---|---|---|
| PricingOnPay lists $49 a month plus $6 per worker, $109 for 10, and publishes every add-on. Rippling starts at $40 plus $8 per user, $120 for 10, with other products priced on top. HR: +$15 base and $2 per worker a month, Time Tracking: +$15 base and $4 per worker a month, Compliance Resources: +$10 base a month, Live HR Support: +$65 base a month, Benefits: you pay plan premiums only | $49/mo + $6/employee/mo (Payroll Essentials plan) | $40/mo + $8/employee/mo |
| CapabilitiesBoth run unlimited payrolls with tax filing and pay contractors. Rippling adds IT, finance, global employment and custom apps; OnPay adds HR, time tracking and benefits administration to payroll. Yes | 10 of 12 core capabilities | 9 of 12 core capabilities |
| IntegrationsRippling lists 650 integrations with a REST API and webhooks. OnPay lists 9, including QuickBooks Online, Xero and JazzHR. 650 | 9 native | 650 native |
| Fit and supportOnPay serves small and mid-size businesses, with phone support from 9 a.m. to 8 p.m. ET. Rippling serves companies of any size, supports by chat, email and phone, and says most small businesses go live in 1–3 weeks. Small businesses, mid-market companies | Small businesses, mid-market companies | Small businesses, mid-market companies, enterprises |
| SecurityRippling states SOC 2 Type II, ISO 27001 and GDPR. OnPay states SOC 2 Type II. Yes | SOC 2 | SOC 2, ISO 27001, GDPR |
| Attribute | OnPay | Rippling |
|---|---|---|
| Price transparency | Published | Partly published |
| Best for | Small businesses, mid-market companies | Small businesses, mid-market companies, enterprises |
| Native integrations | 9 | 650 |
| Support channels | Phone, email, chat | Chat, email, phone |
| Founded | 2011 | 2016 |
| Headquarters | Atlanta, Georgia | San Francisco, California, US |
| Attribute | OnPay | Rippling |
|---|---|---|
| Pricing model | Base fee + per employee | Base fee + per employee |
| Free trial | ||
| SOC 2 Type II | ||
| Automatic tax filing | ||
| Contractor payments | ||
| Ownership | Private | Private |
Pricing. OnPay lists $49 a month plus $6 per worker, $109 for 10, and publishes every add-on. Rippling starts at $40 plus $8 per user, $120 for 10, with other products priced on top.
Capabilities. Both run unlimited payrolls with tax filing and pay contractors. Rippling adds IT, finance, global employment and custom apps; OnPay adds HR, time tracking and benefits administration to payroll.
Integrations. Rippling lists 650 integrations with a REST API and webhooks. OnPay lists 9, including QuickBooks Online, Xero and JazzHR.
Fit and support. OnPay serves small and mid-size businesses, with phone support from 9 a.m. to 8 p.m. ET. Rippling serves companies of any size, supports by chat, email and phone, and says most small businesses go live in 1–3 weeks.
Security. Rippling states SOC 2 Type II, ISO 27001 and GDPR. OnPay states SOC 2 Type II.
Patriot Payroll has the highest LeadChange Score in Payroll Software after excluding these two (9.3/10).
From $17/mo + $4/employee/mo
OnPay is a privately held company, founded in 2011 and based in Atlanta, Georgia. Rippling is also private, founded in 2016 and based in San Francisco.
OnPay costs $49 a month plus $6 per worker: $79 for five workers and $169 for 20. Rippling’s payroll starts at $40 a month plus $8 per user: $80 for five and $200 for 20, before other Rippling products.
Both do. OnPay pays W-2 and 1099 workers in its payroll plan and files 1099s at year end. Rippling pays contractors in 185+ countries and offers an employer of record for full-time hires abroad.
Rippling lists 650 integrations, among them Google Workspace, Microsoft 365, Slack and QuickBooks. OnPay lists 9: QuickBooks Online, Xero, JazzHR, TurboTax, Middesk, Traliant, MainStreet, Vestwell and ERGO NEXT Insurance.
Yes, both list a free trial. OnPay also sets up and migrates your payroll data for free; Rippling guides small businesses through implementation to the first payroll at no charge.
OnPay sells live HR support for $65 a month and HR tools for $15 plus $2 per worker. Rippling’s HR products cover benefits, recruiting, performance and learning, and its AI answers employee questions on pay, benefits and policies.
Yes, at list price: for 25 employees OnPay comes to $199 a month and Rippling to $240 on their lowest published plans, before add-ons. OnPay pricing lists every plan.
Yes, both list a free trial.
Both OnPay and Rippling state SOC 2 Type II. Only Rippling states ISO 27001 and GDPR.
OnPay ranks #5 of 14 in our payroll software ranking. Besides Rippling, the highest-scored are Patriot Payroll, QuickBooks Payroll, and Gusto. Every alternative, matched to the reason you might switch: OnPay alternatives.
Your team size, what matters most and your role: see which one fits more of your answers, from verified facts and list prices. Then, if you like, ask to hear from both.
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