OnPay
US payroll with published prices, plus HR and time add-ons
OnPay report card
Good · out of 4.0 · graded Oct 17, 2026
Best for small US firms that want a clear price and benefits
OnPay is the straightforward one: one payroll plan at a price on the page, every state included, and health benefits handled by its own agents. It's $79 a month for five people, and the first month is free. Time tracking and HR tools are add-ons, so hourly teams pay more.
Who OnPay is for
- Great if you want to know the price without talking to a salesperson
- Handy when you pay employees and contractors across several states
- Good for owners who want health plans set up where payroll runs
Who OnPay is not for
- Pricey if you run an hourly team, as the time and HR bundle is $70 plus $10 a worker
- Not for you if you pay anyone outside the US, which its pages don't mention
- Tight if you want live HR advice, at $65 a month on top
Why OnPay gets a 2.6
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- CValue for moneyPayroll Essentials is $49 a month plus $6 a worker, $79 for five, the same as Gusto and just under the middle of this category. Benefits administration and onboarding are in that price rather than sold on top.
- CFree plan and trialThe first month is free. There's no free plan, and the listing doesn't say whether you need a card to start.
- BFeaturesPays employees and contractors in all 50 states, files taxes under an error-free guarantee, onboards new hires with e-signatures, syncs to QuickBooks Online or Xero and sets up health plans with in-house agents. Time and HR are add-ons.
- BEase of use4.83 from 689 App Store ratings, short of the 1,000 an A needs. New hires onboard themselves and sign their I-9s and W-4s online.
- BPlatforms and integrationsWeb, iPhone and Android, with QuickBooks Online, Xero, Vestwell, JazzHR, NEXT Insurance and TurboTax. No desktop app.
What these grades rest on. Graded from this listing, whose facts were read from OnPay's own pages on 17 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/onpay#review"><img src="https://toolgpa.com/badge/onpay.svg" alt="OnPay: 2.6 GPA on ToolGPA" width="196" height="56"></a>Where OnPay stands among payroll services
OnPay's GPA of 2.6 is higher than 16 of the 18 other payroll services we grade, and level with 1.
It stands best on features (B, above 6 of 18) and worst on value for money (C, above 1).
Its paid plans start at $49 a month, against a middle price of $29 for the category: 9 of the 13 others that charge start lower.
On features, ease of use and platforms it scores 3.0 out of 4. 1 tool scores higher and costs less.
Each grade against the category
Every bar is all 19 payroll services we grade, cut by the letter each got. OnPay’s own letter is outlined.
- CValue for moneyAbove 1 of 18, level with 11
- CFree plan and trialAbove 15 of 18, level with 3
- BFeaturesAbove 6 of 18, level with 12
- BEase of useAbove 5 of 18, level with 3
- BPlatforms and integrationsAbove 2 of 18, level with 16
Price against what you get
Each dot is one of 14 payroll services. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Keep OnPay, or make your own?
Keep it
To replace OnPay you would be making payroll taxes worked out and filed with the government for you. That is not a weekend's work, with an AI app builder or without one.
It is one of the better ones too: its GPA of 2.6 is higher than 16 of the 18 other payroll services we grade. It costs $588 a year.
What you could make
- Time tracking and reports: an app builder makes these well.
What you could not
- Payroll taxes worked out and filed with the government for you.
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, QuickBooks Online, Xero and Vestwell among them.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. OnPay’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is OnPay?
OnPay is a full-service payroll service for US businesses. One base plan pays W-2 employees and 1099 contractors in any of the 50 states, files federal, state and local taxes and includes benefits administration. HR tools, time tracking, compliance resources and live HR support are add-ons, cheaper when bought as one of its bundles.
OnPay is a paid product with a free trial, starting at $49 per month, plus $6 per worker paid. See every plan
Good for
- Small US businesses that want to know the price without a sales call
- Teams paying employees and contractors in several states
- Owners who want benefits handled in the same place as payroll
Worth knowing
- Add-ons bought alone cost $15 plus $2 per worker (HR), $15 plus $4 per worker (Time Tracking), $10 (Compliance Resources) and $65 a month (Live HR Support).
- Runs payroll in all 50 US states at no extra charge per state; the pages read mention no other countries.
- Health insurance, workers' comp and 401(k) plans are paid at their premiums on top of the OnPay subscription.
Key features
- Full-service payroll
- Pay W-2 employees and 1099 contractors by direct deposit, check or prepaid debit card, with unlimited pay runs and garnishment deductions.
- Taxes in all 50 states
- Files and pays federal, state and local taxes and year-end W-2s and 1099s, registers for state taxes, and backs its filings with an error-free guarantee.
- Hiring and onboarding
- Send offer letters for e-signature, have new hires sign I-9s and W-4s and onboard themselves, and file state new-hire reports automatically.
- Accounting sync
- Syncs the general ledger to QuickBooks Online or Xero after every pay run, with line items mapped to your chart of accounts.
- Benefits administration
- Health, dental and vision plans chosen with licensed in-house agents, with open enrollment and payroll deductions; you pay only the premiums.
- Time Tracking add-on
- Time clocks for each worksite, overtime and break rules, supervisor approval and approved hours sent straight to payroll.
OnPay pricing
- Starts at
- $49 per month, plus $6 per worker paid
- Free plan
- None
- Free trial
- First month free
| Plan | Price | What you get |
|---|---|---|
| Payroll Essentials | $49per month, plus $6 per worker paid | Full-service payroll and tax filing in all 50 states, onboarding with e-signatures, accounting sync, reports and benefits administration. |
| Payroll, Time Tracking and HR | $70per month, plus $10 per worker paid | Bundle for hourly teams: Payroll Essentials with the Time Tracking and HR add-ons, against $79 plus $12 per worker bought separately. |
| Payroll, HR and HR Support | $120per month, plus $7 per worker paid | Bundle for salaried teams: Payroll Essentials, HR, Compliance Resources and Live HR Support. |
| Everything bundle | $130per month, plus $10 per worker paid | Payroll Essentials with Time Tracking, HR, Compliance Resources and Live HR Support. |
Read from onpay.com on Oct 17, 2026. Prices change, so confirm with OnPay before you buy.
How people rate the OnPay app
4.8
out of 5 for the iPhone and iPad app
- 5 stars90%
- 4 stars6%
- 3 stars1%
- 2 stars<1%
- 1 star2%
689 ratings on the App Store in the United States, read Oct 17, 2026. It rates the app, not everything the product does. See the listing
Works with
- QuickBooks Online
- Xero
- Vestwell
- JazzHR
- NEXT Insurance
- TurboTax
- Middesk
- MainStreet
OnPay alternatives
- OnPay vs Gusto
From $49/mo
- OnPay vs QuickBooks Workforce
Free trial · from $50/mo
- OnPay vs Patriot Payroll
Free trial · from $17/mo
- OnPay vs Square Payroll
From $6/mo
Common questions
Is OnPay free?
No, OnPay is a paid product, but you can try it first. First month free.
How much does OnPay cost?
OnPay lists 4 plans. Payroll Essentials: $49 per month, plus $6 per worker paid. Payroll, Time Tracking and HR: $70 per month, plus $10 per worker paid. Payroll, HR and HR Support: $120 per month, plus $7 per worker paid. Everything bundle: $130 per month, plus $10 per worker paid. Prices were read from onpay.com on Oct 17, 2026.
What platforms does OnPay work on?
OnPay is available on Web, iOS and Android.
How is OnPay rated?
OnPay's iPhone and iPad app averages 4.8 out of 5 from 689 ratings on the App Store in the United States, as read on Oct 17, 2026. That is the store's rating of the app, not a score from us.
Does OnPay have a Windows app?
No Windows app was listed when its pages were read on Oct 17, 2026. OnPay is listed for Web, iOS and Android.
Does OnPay have a macOS app?
No macOS app was listed when its pages were read on Oct 17, 2026. OnPay is listed for Web, iOS and Android.
Is OnPay open source?
OnPay is not described as open source on its own site, as read on Oct 17, 2026.
What does OnPay integrate with?
OnPay's listing names QuickBooks Online, Xero, Vestwell, JazzHR, NEXT Insurance, TurboTax, Middesk and MainStreet. A listing names up to eight integrations, so it may connect to more.
Who makes OnPay?
OnPay is made by OnPay, LLC.
What are the alternatives to OnPay?
The closest alternatives to OnPay in our directory are Gusto, QuickBooks Workforce, Patriot Payroll, Square Payroll and RUN Powered by ADP. Each one has a side-by-side comparison with OnPay.
How does OnPay compare with other payroll services?
OnPay's GPA of 2.6 is higher than 16 of the 18 other payroll services we grade, and level with 1. It stands best on features (B, above 6 of 18) and worst on value for money (C, above 1).
Is OnPay good value for money?
ToolGPA grades OnPay C for value for money. Its paid plans start at $49 a month, against a middle price of $29 for the category: 9 of the 13 others that charge start lower. On features, ease of use and platforms it scores 3.0 out of 4. 1 tool scores higher and costs less.
Could I make my own version of OnPay?
To replace OnPay you would be making payroll taxes worked out and filed with the government for you. That is not a weekend's work, with an AI app builder or without one. It is one of the better ones too: its GPA of 2.6 is higher than 16 of the 18 other payroll services we grade. It costs $588 a year. What you could not make: Payroll taxes worked out and filed with the government for you. A real app for iOS and Android. Something home-made would be a web page. It plugs into other products, QuickBooks Online, Xero and Vestwell among them. The depth: we grade its features B, which means it covers the whole job. This is a judgement from its listing. We have not built one.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Oct 17, 2026. What people say is linked where it appears.