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OnPay special offers

Editor's Choice
Starting at
Payroll Essentials: $49/month base + $6 per worker per month. Add-ons: HR from $15 base + $2/worker, Time Tracking $15 base + $4/worker. Bundles from $70 base + $10/worker.
First month free

Finance Specs

What We Like
  • Unlimited pay runs and multi-state payroll included
  • No implementation or integration fees
  • Support by phone, email and chat
Considerations
  • HR tools and time tracking cost extra
  • Live HR support is a separate add-on
  • Cost grows with every worker you add
Expert Verdict
Choose OnPay if you want full-service payroll at a simple base-plus-per-worker price and can add HR tools as you grow.

OnPay is payroll software for small businesses. It runs full-service payroll, including multi-state payroll, and files payroll taxes and year-end forms.

OnPay lets you pay employees and contractors from the same dashboard, by direct deposit, debit card or printed checks. Employee self-service lets workers onboard themselves, and people who leave can still access their pay stubs. Each payroll run automatically works out PTO hours and adds them to every employee’s accrued balance. OnPay also deducts garnishments, calculates tipped wages even when employees work overtime, and offers prebuilt and custom payroll reports.

OnPay lists industries such as restaurants, nonprofits, retail, farms and agriculture, dentists, healthcare, religious organizations, real estate, education, gyms and fitness, hospitality and law firms. For nonprofits, it automates federal and state taxes, including FUTA exemptions. For churches, it says it covers clergy housing allowances and payroll for pastors.

OnPay syncs payroll data with QuickBooks Online and Xero automatically, and its help center has a setup guide for QuickBooks Desktop. For time tracking, it integrates with QuickBooks Time, Deputy and When I Work. Accountants and bookkeepers get a custom firm dashboard for managing clients, with multiple levels of user permissions. OnPay says its team takes care of setting up and migrating client data for accounting firms.

You can add HR tools, time tracking, compliance resources, live HR support and benefits, alone or in bundles. Current prices are in the pricing box above.

Frequently Asked Questions

How much does OnPay cost?

OnPay's Payroll Essentials costs $49 per month plus $6 per worker per month. HR, time tracking and other add-ons cost extra, and the first month is free.

How does OnPay compare to Gusto?

Both run full-service payroll for small businesses. Compare base and per-worker fees, and which HR features are included or extra.

Does OnPay file payroll taxes?

Yes. OnPay handles federal, state and local payroll tax filings and year-end W-2s and 1099s.

Advertiser Disclosure: Pricing checked Oct 10, 2026 on onpay.com. Prices change often, so check the official site before you buy.

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