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Review Updated
Ben Gran
By: Ben Gran

Our Small Business Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

OnPay is a highly rated payroll service that delivers a powerful package of benefits and customer support, all with transparent pricing and no hidden fees. OnPay's payroll software can support small businesses and mid-sized businesses across a wide range of industries and employee headcounts. Read on for a breakdown of this small business payroll software that combines payroll, HR, and benefits.

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4.60/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line: With an affordable, transparent pricing structure, OnPay is an excellent payroll software for small to mid-sized businesses. Additionally, the platform provides HR resources at no extra cost.
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    Support
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    Pricing
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    Features
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    • Transparent price structure
    • Easy employee onboarding
    • HR resources at no extra cost
    • No auto-pay option
    • Reporting options could be better
    • Payroll runs require multiple steps

There are a lot of payroll software applications on the market today that we have had the opportunity to review. Some are do-it-yourself applications that offer good payroll capability but place tax-filing responsibility squarely on your shoulders.

Other services offer Human Resources (HR) tools and multistate payroll, but those features typically come at an additional price.

That's not the case with OnPay. With OnPay's online payroll service, you can get the payroll features your small business needs for a single monthly fee.

Who is OnPay for?

OnPay (onpay overview) is optimally designed for small businesses, though the application can scale up nicely for mid-sized businesses as well.

OnPay offers a single plan, with all of the application's features available in that single plan, making it suitable for a staff of 10 or a staff of 50. OnPay also offers multistate payroll, so you can pay employees in more than one state at no additional charge.

OnPay is a better fit for businesses with a lot of hourly employees, since an auto-pay option is not offered in the application at this time.

OnPay's pricing

OnPay price structure is one of the most transparent in the industry. A monthly rate of $40 and a $6 per-employee rate, and that's it. You'll know upon sign-up exactly how much you'll be paying each month, and that will only change if you add or terminate an employee.

OnPay pricing chart

OnPay offers full-service payroll for one low price. Image source: Author

OnPay product features

OnPay is a powerful small business payroll solution because it gives you a wide range of features for one low price. No software solution is perfect, but OnPay can take the most worrisome payroll tasks off of your to-do list. Let's look at a few highlights and see why OnPay scores so highly on The Ascent's list of best payroll software.

Full-service 50-state payroll

The most important part of OnPay's payroll service is its comprehensive, flexible, multi-state payroll processing solutions. This payroll software covers all the bases for paying employees (W-2) or contractors (1099) in all 50 states.

Here are a few examples of what the OnPay payroll service does best:

  • Pay all types of workers: You can use OnPay to pay hourly employees, salaried employees, or independent contractors within the same payroll run. You can also add sales commissions.
  • All tax withholdings: OnPay handles your people's federal, state, and local tax payments, with Form 940 and 941 filings.
  • Guaranteed calculations: OnPay guarantees its payroll tax calculations, so your people don't have to worry about the wrong amount of tax getting withheld from their pay.
  • Direct deposit and more: Pay people via direct deposit, check, or debit card.
  • Unlimited payroll runs: You can run payroll multiple times per month or even set different payroll schedules for different employees.
  • Special payroll solutions for your industry: OnPay has special payroll features for the unique needs of restaurants, agriculture businesses, nonprofits, and churches/religious organizations.

OnPay Payroll

HR tools

OnPay doesn't just help your people get paid (and pay their taxes) -- it helps you hire, onboard, and manage people with built-in HR tools and documents. These essential HR tools make it easier for your company to maintain compliance and streamline the onboarding process.

Here are a few highlights of OnPay's HR tools:

  • Automated onboarding processes with e-signatures
  • Customizable HR documents, in-app offer letters, and checklists
  • Automatic online storage of tax forms (I-9 and W-4 forms)
  • Compliance audits
  • State reporting of new hires

OnPay Payroll

Employee benefits

Paying people's salaries and wages on time is important, of course, but the best payroll software can also help you manage the other big piece of people's compensation -- employee benefits. OnPay payroll software has built-in capabilities to manage employee benefits, including:

  • OnPay can help you administer health and dental insurance benefits in all 50 states, with automatic deductions of premiums from your payroll
  • Work with top insurance companies like Aetna, Anthem, Guardian, Humana, United Healthcare, and more
  • Retirement plans with 401(k) providers like America's Best 401(k), Guideline and Vestwell
  • Offer optional add-on benefits like life insurance, vision insurance, and disability insurance
  • Health savings account (HSA), flexible spending account (FSA), and commuter benefits
  • Integrated workers' comp insurance (with automatic premium deductions)

OnPay Payroll

PTO management

Along with tracking your employees' financial compensation and benefits, OnPay helps you manage your people's paid time off (PTO). Create a customized, flexible PTO policy for your company's unique needs, with up to three PTO accrual tiers. In-app PTO requests (and approvals) make it easy for employees to take time off when they're ready, with automatic subtractions from their PTO balances.

OnPay Payroll

Integrated accounting software (and more)

OnPay gives you payroll, HR and benefits all in one place -- and it can also help with accounting and other operational tasks. That's because OnPay integrates with some of the biggest small business accounting software brands, like Intuit QuickBooks (desktop and online versions) and Xero. OnPay also integrates with HR software, 401(k) providers, and more.

OnPay Payroll

Choosing the right payroll software is often a matter of finding the right combination of features and integrations. No single piece of small business software can truly "do it all," but OnPay can connect your business functions across payroll, finance, accounting, and more.

OnPay's ease of use

It is easy to run payroll with OnPay.

The application offers easy navigation from the user dashboard, displaying details about your team of employees, recent pay runs, the next scheduled pay run, and any important upcoming dates and outstanding employee offers in an easy-to-read format.

An employee search function is at the top of the screen, and the vertical menu to the left provides access to all system functions.

During the initial setup process, you can have OnPay enter your existing payroll data, or you can choose to complete the process yourself. OnPay can also assist you with importing existing data from another application if necessary.

To start a payroll run, just choose the employees you want to pay, then import hours from your time-tracking application (if you're using one) or enter the hours worked for each employee. If you're paying salaried employees or contractors, you won't have to enter any information, but you will have to enter hours worked for your hourly employees. When done, review the totals and approve the payroll.

New users shouldn't worry since all of the features and functions in OnPay are easy to find, but if you do get lost, just click on the question mark at the top of the screen to access the knowledge center.

Working with OnPay support

OnPay offers excellent support options, including free account migration and setup for new users. OnPay support can also help you set up integrations with third-party applications. When you do contact support, you can be confident in their ability, as they're trained by the American Payroll Association.

The software offers toll-free telephone support during regular business hours, as well as email and chat support. Emergency support is available on weekends, and the comprehensive knowledge center is accessible via the OnPay website or from within the application at any time.

If you ever decide it's not right for you, OnPay makes cancellation quick and easy. Just email or call OnPay support ([email protected], 877-328-6505) and let them know you'd like to cancel the service. It doesn't matter if you have a trial or a paid account; OnPay lets you cancel anytime with no penalties or fees.

Benefits of OnPay

There are plenty of benefits to using OnPay, starting with its transparent pricing. There are no hidden fees or extras attached. Another benefit is the ability to pay your employees how you want, when you want. You can have salaried employees and hourly employees, and you can assign multiple pay rates to your employees.

Using OnPay, you'll also have access to HR tools and resources as well as excellent product support -- all for one affordable fee.

How OnPay Compares

Online access Direct deposit Prepares federal tax forms Employee access to payroll documents
OnPay Yes Yes Yes Yes
Gusto Yes Yes Yes Yes
QuickBooks Payroll Yes Yes Yes Yes
Payroll4Free Yes Yes Yes Yes
Payroll Mate Yes Yes
Paycor Yes Yes Yes Yes

Is OnPay the best choice for you?

Suitable for even the smallest business, we found in our review that OnPay (onpay overview) really shines for small and growing businesses with a high percentage of hourly employees or who have employees in multiple states. However, if the majority of your employees are salaried, you may benefit more from an application that includes an auto-payroll option.

FAQs

  • Yes. Full-service payroll processing, including filing taxes, direct deposit, contractor payments, HR tools, and multistate payroll are all included in the cost.

  • Yes. Your employees can enter their own personal information, sign required forms, and fill out paperwork all using the employee self-service option, where they can also access pay stubs, W-2s, and tax information.

  • OnPay integrates with a variety of time-tracking applications including TSheets and When I Work.

Our Small Business Expert