# OnPay

> US payroll with published prices, plus HR and time add-ons

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.

- **Category:** Payroll
- **Made by:** OnPay, LLC
- **Website:** https://onpay.com
- **Runs on:** Web, iOS, Android
- **Facts last checked:** Oct 17, 2026

## Pricing

OnPay is a paid product with a free trial, starting at $49 per month, plus $6 per worker paid.

- **Pricing model:** Free trial
- **Free plan:** None.
- **Free trial:** First month free.

| Plan | Price | What you get |
| --- | --- | --- |
| Payroll Essentials | $49 per 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 | $70 per 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 | $120 per month, plus $7 per worker paid | Bundle for salaried teams: Payroll Essentials, HR, Compliance Resources and Live HR Support. |
| Everything bundle | $130 per month, plus $10 per worker paid | Payroll Essentials with Time Tracking, HR, Compliance Resources and Live HR Support. |

Read from https://onpay.com/payroll/software/costs-pricing/ on Oct 17, 2026. Prices change, so confirm with OnPay before buying.

## 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.

## 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.

## ToolGPA grades

**GPA: 2.6 out of 4**, graded Oct 17, 2026. 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.

- **Value for money: C.** Payroll 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.
- **Free plan and trial: C.** The first month is free. There's no free plan, and the listing doesn't say whether you need a card to start.
- **Features: B.** Pays 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.
- **Ease of use: B.** 4.83 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.
- **Platforms and integrations: B.** Web, iPhone and Android, with QuickBooks Online, Xero, Vestwell, JazzHR, NEXT Insurance and TurboTax. No desktop app.

These are ToolGPA's own grades. 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.

## Where it 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.

The category's chart of price against score: https://toolgpa.com/charts/payroll

## Keep it, 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.

- You could make: Time tracking and reports: an app builder makes these well.
- You could not: Payroll taxes worked out and filed with the government for you.
- You could not: A real app for iOS and Android. Something home-made would be a web page.
- You could not: It plugs into other products, QuickBooks Online, Xero and Vestwell among them.
- You could not: The depth: we grade its features B, which means it covers the whole job.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## What people say

- **App Store rating of the iPhone and iPad app:** 4.8 out of 5 from 689 ratings in the United States, read Oct 17, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id1625953965

## Works with

QuickBooks Online, Xero, Vestwell, JazzHR, NEXT Insurance, TurboTax, Middesk, MainStreet

**Tags:** Payroll, Time tracking, Reports

## Alternatives

- [Gusto](https://toolgpa.com/tools/gusto): Payroll and HR for small businesses, with apps for owners and staff. [Compare](https://toolgpa.com/compare/gusto-vs-onpay)
- [QuickBooks Workforce](https://toolgpa.com/tools/quickbooks-payroll): Intuit's payroll and HR service, sold alone or with QuickBooks. [Compare](https://toolgpa.com/compare/onpay-vs-quickbooks-payroll)
- [Patriot Payroll](https://toolgpa.com/tools/patriot-payroll): Low-cost online payroll for small US businesses. [Compare](https://toolgpa.com/compare/onpay-vs-patriot-payroll)
- [Square Payroll](https://toolgpa.com/tools/square-payroll): Payroll for Square sellers, with timecards from Square POS. [Compare](https://toolgpa.com/compare/onpay-vs-square-payroll)
- [RUN Powered by ADP](https://toolgpa.com/tools/adp-run): ADP's payroll and HR service for US businesses of 1 to 49 people. [Compare](https://toolgpa.com/compare/adp-run-vs-onpay)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 17, 2026:

- https://onpay.com/payroll/software/costs-pricing/
- https://onpay.com/get-started/
- https://onpay.com/app-directory/

Page: https://toolgpa.com/tools/onpay
Listed by ToolGPA (toolgpa.com).