$36/mo + $4/user
QuickBooks, Xero, FreshBooks, PosterElite
401(k), workers comp, health insurance
OnPay is an intuitive platform that helps American small businesses take care of payroll, benefits and HR in 50 states. With multiple third-party integrations and add-ons, it is suitable for small and growing businesses from all industries. The OnPay platform is incredibly easy to use, and a team of trained professionals is always on hand to help with setup or issues.
OnPay has been selected as PCMag's 2020 Editors' Choice for payroll and HR, recognizing its excellence in providing comprehensive payroll solutions for small businesses across the United States.
OnPay recently overhauled its platform, adding new features and improving usability while maintaining the same competitive price as before. Features include:
40+ Payroll Reports: Filter by employee type, location, or department. View, download, or export in PDF format for comprehensive payroll analysis and record-keeping.
16+ Integrations: Includes QuickBooks, Xero, and FreshBooks accounting software; When I Work and TSheets time-tracking apps; ABk and Guideline 401(k) software; ThinkHR and PosterElite HR software; Kabbage for small business loans; and Magnify business tools.
HR Tools: Includes automated employee onboarding, state new hire reporting, compliance audits, and tax withholding forms to streamline your HR processes.
PTO Tools: Includes customizable paid time-off policies, automatic PTO accrual tracking, PTO calendar and reminders, and email notifications for time-off management.
Org Charts: Includes visual org chart, detailed employee profiles and contact info, searchable company directory, and filtering by location/department/team.
Benefits: Allows you to add health and dental benefits in all 50 states, other forms of insurance (e.g. life, vision, disability), integrated 401(k) retirement plans, and running a quick employee census.
Integrated Workers' Comp: Includes automatic deductions from payroll, pay-as-you-go policies, low up-front costs, automatic updates when your team changes, and support from experienced workers' comp brokers.
OnPay withholds federal and state payroll taxes and federal and state unemployment insurance each pay run. It files Form 941 quarterly and Form 940 annually on your business's behalf. The system allows you to pay W-2 employees or 1099 contractors.
It is able to handle payroll and tax across multiple states—leaving you compliant whether you operate in 1, 2, or 50 states. The system also allows you to deduct garnishments from net pay with just 2 extra clicks, simplifying complex payroll adjustments.
When it comes to paying your employees, OnPay gives you the flexibility to run payroll as often as you like and to choose between multiple payment types and schedules. It lets you pay by direct deposit, debit card, or check—and there are no extra fees for selecting any of these options.
It lets you set more than one pay schedule for your company—again with no added fees for doing so. Most OnPay users are subject to a 2-day turnaround for payroll, ensuring timely payments to your team.
The OnPay platform recently underwent a design overhaul, and the end result is that it is now easy to use and very easy on the eye. The platform is easy to set up, and very intuitive where both your business and employees are concerned. The dashboard is visually appealing and easy to navigate, especially on desktop.
It's simple to use on mobile too, although some customers have reported having issues with speed when accessing from mobile. Employees can log in to the system to download all their forms and access details of previous pay runs, saving your HR team the trouble of doing this for employees. It's also super simple to adjust an employee's paycheck or frequency.
One of the best things about the system is the customer support. While the OnPay platform is very intuitive, you can turn to a trained customer support rep at any time if you have any issues or need help with setting up a new feature.
OnPay offers a comprehensive payroll service at a competitive price. It caters to small businesses, and works particularly well for fast-growing businesses looking to add-on employees while keeping payroll running seamlessly.
With payroll, tax compliance, and benefits across all 50 states as well as numerous added features and benefits, OnPay offers reliability and added value. Its recent platform overhaul has made it even more user-friendly while maintaining affordable pricing, making it an excellent choice for businesses looking for an all-in-one payroll solution without breaking the bank.
OnPay offers all-in-one payroll, HR, and benefits with no hidden fees. From unlimited pay runs to tax filings in all states, OnPay makes payroll simple, accurate, and affordable for small businesses.
Yes. OnPay payroll automatically calculates, files, and pays all federal, state, and local payroll taxes in all 50 states. Its automated system ensures full compliance, accuracy, and peace of mind—making it one of the best payroll platforms for tax management.
Yes. OnPay connects with QuickBooks, Xero, FreshBooks, and several other accounting tools for seamless data syncing and simplified payroll processing.
Yes. OnPay payroll includes PTO tracking, automated accruals, and integrated health, dental, vision, and retirement plans. All deductions appear automatically on employee paystubs through the built-in paystub generator.
Yes. OnPay operates in all 50 states and manages state-specific tax registration and payroll compliance automatically. It’s consistently ranked among the best payroll providers for nationwide coverage.
Yes. You can generate over 40 customizable payroll and HR reports filtered by employee, team, or location, giving businesses full visibility into their payroll data.
Yes. OnPay payroll is designed for small to mid-sized businesses that want simple, full-service payroll management without hidden fees or complex setups—one reason it’s considered among the best payroll systems in its class.
Yes. OnPay supports both W-2 employees and 1099 contractors, offering direct deposit, year-end 1099 filings, and automatic updates to every payroll record. Contractors can securely access their paystubs using the paystub generator anytime.