OnPay Review
by OnPay, LLC
OnPay is online payroll for US small businesses at $49 a month plus $6 per worker, with tax filings, W-2s, 1099s, multi-state payroll and unlimited pay runs included.
- Company size
- Small businesses, mid-market companies2
- Pricing model
- Base fee + per employee1
- Free trial
- Yes3
- Integrations
- 9 marketplace listings (our count, Nov 4, 2026)4
Best for
- Small businesses that want payroll with taxes and year-end forms included
- Employers with workers in several states: no extra state fees
- Owners who pay employees and 1099 contractors in one run
Not ideal for
- Companies that need dozens of native integrations: the app directory lists nine partners
- Teams that want weekend phone support: phone hours are weekdays
- Employers with staff outside the US
Also listed in
How we evaluated OnPay
This review rests on the 26 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
Our verdict
OnPay suits US small businesses that want full-service payroll at one published price: $49 a month plus $6 per worker, with federal, state and local tax filings, W-2s, 1099s, multi-state payroll and unlimited pay runs included. Setup and data migration are free, and support is by phone, chat and email. It is less suited to companies that want a large app marketplace or weekend phone support.
Strengths
One price with the essentials included
$49 a month plus $6 per worker covers unlimited pay runs, all tax filings and payments, W-2s, 1099s and multi-state payroll.
Evidence: Automatic tax filing: Yes1
No setup or integration fees
OnPay charges no implementation or integration fees and migrates prior wages and employee data for free when you switch.
Evidence: Implementation fee: None1
Three ways to pay workers
Workers can be paid by direct deposit, check or prepaid debit card, all included in the base price.
Evidence
Key features: Direct deposit, check, or prepaid debit card payment, Garnishment deductions, Year-end filings, W-2s and 1099s, eSign for I-9s and W-4s, State new hire reporting, PTO management and organizational charts, Custom report designer with 50+ fields, Geofenced mobile clock-in (Time Tracking add-on)1
Add-ons priced in the open
HR adds $15 plus $2 per worker, Time Tracking $15 plus $4 per worker, and bundles lower the combined price.
Evidence
Extra costs: 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 only1
SOC 2 Type II
OnPay states that it is SOC 2 Type II compliant and that it protects customer data with end-to-end encryption.
Evidence: SOC 2 Type II: Yes5
Benefits through payroll
Medical, dental, vision, life, disability, HSA/FSA, commuter and 401(k) benefits can be offered, and you pay plan premiums only.
Evidence
Benefits offered: Medical, dental, and vision, Life insurance, HSAs and FSAs, Short and long-term disability, Commuter benefits, 401(k) retirement1
Weaknesses
A short integrations list
The app directory lists nine partners, including QuickBooks Online, Xero, JazzHR and Vestwell.
Evidence
Native integrations: 9 marketplace listings (our count, Nov 4, 2026)4
Time tracking and HR cost extra
Geofenced clock-in, PTO dashboards and org charts come with the Time Tracking and HR add-ons.
Evidence
Extra costs: 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 only1
You remit garnishments yourself
OnPay withholds garnishments from post-tax pay and records them, but it does not send the payment to the agency: the employer remits it by check, ACH or online.
Evidence: Deductions and garnishments: No6
Price at a glance
OnPay cost at 10 to 100 employees
- Payroll Essentials$49/mo base + $6/employee/mo
- Bundle: Payroll Essentials + Time Tracking + HR$70/mo base + $10/employee/mo
- Bundle: Payroll Essentials + HR + Compliance Resources + Live HR Support$120/mo base + $7/employee/mo
- Bundle: Payroll Essentials + Time Tracking + HR + Compliance Resources + Live HR Support$130/mo base + $10/employee/mo
| Employees | Payroll Essentials | Bundle: Payroll Essentials + Time Tracking + HR | Bundle: Payroll Essentials + HR + Compliance Resources + Live HR Support | Bundle: Payroll Essentials + Time Tracking + HR + Compliance Resources + Live HR Support |
|---|---|---|---|---|
| 10 | $109/mo | $170/mo | $190/mo | $230/mo |
| 25 | $199/mo | $320/mo | $295/mo | $380/mo |
| 50 | $349/mo | $570/mo | $470/mo | $630/mo |
| 100 | $649/mo | $1,070/mo | $820/mo | $1,130/mo |
Monthly list price before discounts, add-ons and taxes, from the published price model of each plan.
Quick answers
- How much is OnPay per month?
- Payroll Essentials costs $49 a month plus $6 per worker; for 10 workers that is $109 a month.Based on Starting base fee: $49/mo1
- Does OnPay file payroll taxes?
- Yes. Federal, state and local tax filings and payments, W-2s, 1099s and year-end filings are included in the base price.Based on Automatic tax filing: Yes1
- How does OnPay work?
- You set up your company with free expert help, enter hours, and run payroll; OnPay pays workers and files and pays the taxes for you.Based on Implementation fee: None1
- Is OnPay legit?
- Yes. OnPay is an Atlanta-based payroll company founded in 2011, and it is SOC 2 Type II compliant.Based on Headquarters: Atlanta, Georgia8
Coverage of core payroll software capabilities
Each core capability we evaluate in Payroll Software, checked against OnPay’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
10 verified of 12 core capabilities
Specifications
Fit
- Industry focus
- Accountants, App developers, Construction, Dance studios, Dentists, Healthcare, Education, Farms and agriculture, Franchises, Gyms and fitness studios, Houses of worship, Hospitality, Law firms, Manufacturing, Nonprofits, Real estate, Restaurants, Retail, Startups, S corps, Trucking13
- US states supported
- Multi-state payroll; pay workers in as many states as needed1
Product
- Modules
- Payroll, HR, Time tracking, Benefits, Compliance resources, Live HR support1
OnPay integrations
Native integrations
OnPay integration coverage
The 10 apps that payroll software products document most often, and whether OnPay documents each.
4 of the 10 most-connected apps documented by OnPay; median of the 23 products compared: 3
- QuickBooks · documented by 15 of 23
- Checkr · documented by 7 of 23
- Vestwell · documented by 7 of 23
- Sage Intacct · documented by 6 of 23
- Xero · documented by 6 of 23
- Employee Navigator · documented by 5 of 23
- Indeed · documented by 5 of 23
- Okta · documented by 5 of 23
- Clover · documented by 4 of 23
- Deputy · documented by 4 of 23
Integrations each vendor documents (native, marketplace, Zapier, API or named by the vendor), 23 live payroll software products. Not documented does not mean not possible.
Where it ranks
- #5 of 15 scoredPayroll Software
- #9 of 19 scoredHRIS Software
- #3 of 10 scoredPayroll Services
- #4 of 6 scoredHRIS Software for Construction
- #2 of 6 scoredHRIS Software for Education
- #1 of 1 scoredHRIS Software for Franchises
- #4 of 11 scoredHRIS Software for Healthcare
- #2 of 8 scoredHRIS Software for Hospitality
- #1 of 1 scoredHRIS Software for Law Firms
- #4 of 11 scoredHRIS Software for Manufacturing
- #6 of 16 scoredHRIS Software for Mid-Sized Companies
- #3 of 8 scoredHRIS Software for Nonprofits
OnPay alternatives
Paychex Flex88% similar
QuickBooks Payroll70% similar
Gusto65% similar
Patriot Payroll60% similar
Square Payroll55% similar
SurePayroll55% similar
Compare OnPay
Implementation and support
About OnPay, LLC
Official profiles
Frequently asked questions
Is OnPay legit?
OnPay is sold by OnPay, LLC, which was founded in 2011, is headquartered in Atlanta, Georgia, and is privately held. OnPay, LLC states that it holds a current SOC 2 Type II report. Before you sign, review the contract terms and ask for the security documentation that applies to your plan.
Does OnPay charge for extra states?
No. You can pay workers in as many states as you need at no extra state fee.
Does OnPay integrate with QuickBooks?
Yes. OnPay offers direct, fee-free accounting integrations with QuickBooks Online, QuickBooks Desktop and Xero.
What are the best alternatives to OnPay?
In our payroll software ranking, the highest-scored products other than OnPay are Patriot Payroll, QuickBooks Payroll, and Gusto. Compared side by side, by reason to switch: OnPay alternatives.
Which is better, OnPay or Gusto?
Our OnPay vs Gusto comparison sets out when each one fits.
What are the pros and cons of OnPay?
Strengths documented on the vendor’s own pages: one price with the essentials included, no setup or integration fees, and three ways to pay workers. It is less suited to companies that need dozens of native integrations: the app directory lists nine partners and teams that want weekend phone support: phone hours are weekdays.
Is OnPay good for small businesses?
OnPay lists small businesses among the company sizes it is built for (small businesses and mid-market companies); for 10 employees its list prices come to $109 a month. It ranks #3 of 14 in our payroll software for small businesses.
How this page was made
What it is built from
26 verified facts, each checked against the vendor's own pages or another primary source, most recently on Nov 9, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Our independent review of Nov 4, 2026 asked for changes. How we review
Hands-on testing
We have not tested OnPay hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
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OnPayLeadChange Score 7.6
Sources
The 15 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.
Quotes from the sources
- OnPay onpay.com/payroll/software/costs-pricing“Get started at just $49 base + $6/worker per month. No hidden fees, ever.” “Federal, state, and local tax filings included”
- Hypepotamus hypepotamus.com/startup-news/onpay-atlanta-raises-100-million“The funds will be used to further its mission of supporting small and mid-sized businesses (SMBs) across the United States, according to a press release.” “OnPay, a payroll and HR platform founded in 2011, announced it had raised over $100 million in a combination of a $63 million Series B round and a debt facility.”
- OnPay onpay.com“Get one month free”
- OnPay onpay.com/app-directory“QuickBooks Online”
- OnPay onpay.com/security“Third-party Certification: OnPay holds third-party auditor certification with the AICPA’s SOC program and is SOC 2 Type II compliant.” “Encryption Standards: OnPay protects your data with industry-leading standards to ensure comprehensive security with end-to-end encryption.”
- OnPay help.onpay.com/hc/en-us/articles/360045051072-How-to-add-garnishments-and-levies
- OnPay onpay.com/terms-of-service“The Service will continue until such time as Client or Service Bureau gives thirty (30) days’ prior written notice, unless termination is for cause.”
- OnPay (press release, Business Wire, Jan. 2020) businesswire.com/news/home/20200120005034/en“The company, headquartered in Atlanta, provides payroll, HR, and benefits services to more than 10,000 clients across the United States.”
- OnPay help.onpay.com/hc/en-us/articles/201832659-Employee-deductions-401-k-HSA-and-more
- OnPay help.onpay.com/hc/en-us/articles/360025245371-Overtime-calculation-for-multiple-pay-rates
- OnPay help.onpay.com/hc/en-us/articles/25590061323419-Process-a-special-pay-run
- OnPay help.onpay.com/hc/en-us/articles/360048364372-Notifications-and-employee-audit-log
- OnPay onpay.com/payroll/software/industries“Here are just a few examples of the industries we serve. … Doctors and Healthcare … Education … Hospitality … Law Firms … Manufacturing … Nonprofit Organizations … Restaurants and Bars … Trucking Companies”
- OnPay onpay.com/about-us/contact“(877) 328-6505 9AM – 8PM ET,Monday – Friday”
- OnPay onpay.com/payroll/software“OnPay offers direct, fee-free accounting integrations with QuickBooks Online, QuickBooks Desktop, and Xero. It also syncs with popular time-tracking software like QuickBooks Time, Deputy, and When I Work”
Vendor? Reach buyers comparing OnPay