Last update: July 12
OnPay has been helping small businesses run payroll since 2007, earning a reputation for simplicity, fair pricing, and responsive support. Unlike platforms that charge extra for features, OnPay bundles payroll, HR tools, benefits administration, and tax filings into a single flat-rate plan, no tiers, no hidden fees. It handles everything from direct deposit and W-2/1099 filings to multi-state compliance and workers' comp, all from a clean, easy-to-navigate dashboard. Recognized by PCMag as Editors' Choice for payroll, OnPay is particularly well suited to fast-growing small businesses that need a reliable, scalable platform without paying enterprise prices.
Unlimited pay runs with direct deposit, and automatic W-2/1099 generation
Automatic federal, state, and local tax calculations, filings, and garnishments
Employee onboarding, new hire reporting, compliance audits, org charts, and PTO management
Health, dental, vision, life, and disability insurance plus integrated 401(k)
Pay-as-you-go workers' comp with automatic payroll deductions and low up-front costs
Connects with QuickBooks, Xero, FreshBooks, and other tools for data syncing
PCMag Editors' Choice for payroll and HR
Transparent, flat-rate pricing with no hidden fees or feature-gating
Full-service payroll and tax filing across all 50 states
Covers W-2 employees and 1099 contractors on the same plan
40+ customizable payroll and HR reports with export options
Simple, transparent pricing
Unlimited payroll runs with no added fees
Full tax compliance and multi-state payroll support
Comprehensive HR and benefits tools built in
Excellent customer support
Cannot be used for operations outside the US
PTO function not that intuitive
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PCMag Editors' Choice; A+ BBB rating; trusted by small businesses across all 50 states
Overhauled dashboard with guided setup; most tasks completable in a few clicks
QuickBooks, Xero, FreshBooks, TSheets, Guideline 401(k), and more
Trained payroll professionals available for setup, onboarding, and issues
Getting started with OnPay is straightforward, with a team of specialists available to guide you through every step:
1. Sign Up Online: Create your account at onpay.com with basic business info.
2. Set Up Your Company: Enter your tax details, pay schedules, and state registrations.
3. Add Your Employees: Input employee details, pay rates, and direct deposit information.
4. Run Payroll: Process payroll in minutes with automatic tax calculations and filings.
5. Add Benefits & HR: Optionally enroll employees in health insurance, 401(k), or workers' comp.
6. Manage Ongoing: Use the dashboard to handle PTO, org charts, reports, and compliance year-round.
OnPay is best suited for small and growing businesses that want a comprehensive, easy-to-use payroll platform without complex pricing tiers or hidden fees. Its flat-rate structure makes it especially attractive for businesses that want to budget predictably as they add employees. Industries like agriculture, nonprofits, restaurants, and professional services benefit from OnPay's specialized payroll support. The platform works well for businesses that need both W-2 and 1099 payroll processing in one place. However, businesses with more than 50 employees or those needing global payroll may find the platform limiting, as OnPay is US-only. For small businesses prioritizing value, simplicity, and strong customer support, OnPay is an excellent long-term choice.
OnPay offers a comprehensive payroll service at a competitive price, catering specifically to small businesses and fast-growing teams. With payroll, tax compliance, and benefits across all 50 states, plus numerous HR features and a recently overhauled platform, OnPay delivers reliability and strong value. Its simple $36/month + $4/user pricing, excellent customer support, and PCMag Editors' Choice recognition make it one of the top choices for small businesses looking for an all-in-one payroll solution without breaking the bank.
See what some customers are saying about OnPay Onpay
OnPay is a simple and straightforward payroll system but it is not so simple that it can't handle various needs. It has easily handled our W-2 employees, our 1099 contractors, and tax payments across multiple states. We are a non-profit and it has been effective in handling the nuances of that.
Great customer service from emails, calls and online chat. Platform is easy to navigate.
Easy, fast sign up. Excellent service.
Great customer service and quick responses. We have yet to encounter an issue that they haven't been able to resolve. We appreciate being able to speak directly with a representative who is always willing to answer our questions and provide support when needed.
We have had a highly positive experience utilizing OnPay as our payroll and HR management platform. The software has consistently provided a reliable, user-friendly, and efficient system for managing payroll processes, employee records, tax filings, and compliance requirements.