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OnPay

onpay.com

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Spec score 8.9 #3 of 26 in Contractor Payment Software

What it is

OnPay combines payroll, HR, benefits, and time tracking for businesses. It automates payroll calculations, tax filings and payments, and year-end filings, and supports paying W-2 employees and 1099 contractors in the same pay run. HR tools include onboarding, e-signatures, personnel documents, task delegation, and six permission levels. Employees can clock in on mobile devices with geofencing, with approved hours syncing into payroll. OnPay offers access to health plans and handles ongoing plan administration at no extra cost, though premiums still apply. Listed integrations include QuickBooks Online and Desktop, Xero, TurboTax, QuickBooks Time, Deputy, and When I Work. The service says it adds no fees for unlimited pay runs, multi-state payroll, or workers inactive in a given month. It is designed for small businesses and lists industries including restaurants, farms, nonprofits, healthcare, and retail. The employee app provides access to pay stubs and tax forms, plus direct deposit features. A one-month free start is offered. Payroll costs $49 per month plus $6 per worker per month.

Spec sheet

What it does
OnPay is cloud payroll, HR and employee-benefits software for small and midsize U.S. businesses and accountants.Read 15 Oct 2026 · linkedin.com
Trial
The site offers one month free to get started.Read 3 Oct 2026 · onpay.com
Integrations
Named integrations include QuickBooks Online and Desktop, Xero, TurboTax, QuickBooks Time, Deputy, and When I Work.Read 3 Oct 2026 · onpay.com
Mobile apps
The employee mobile app provides pay-stub and tax-document access, PTO requests, bank-detail changes, contact lookup and document signing.Read 15 Oct 2026 · apps.apple.com
Security
OnPay states it is SOC 2 Type II compliant and uses encryption, AWS infrastructure, backups, and role-based access controls.Read 3 Oct 2026 · onpay.com
Support
Support is available by phone, chat, and email, with extended weekday hours of 9 AM to 8 PM ET.Read 3 Oct 2026 · onpay.com
Headquarters
Atlanta, Georgia, United StatesRead 28 Sep 2026 · onpay.com
Accounting integrations
Official integrations include QuickBooks Online, QuickBooks Desktop and Xero with customizable item mapping and ledger synchronization.Read 15 Oct 2026 · onpay.com
API documentation
The public partner reference documents OAuth 2.0 authorization-code and refresh-token flows and requires contacting OnPay to partner.Read 15 Oct 2026 · onpay.readme.io
Benefits
OnPay administers health, dental, vision, life, disability, HSA and FSA benefits with automated deductions and licensed-agent guidance.Read 15 Oct 2026 · onpay.com
Company history
OnPay says it grew from founder Jesse Burgess’s family payroll business after he joined it in 2007.Read 3 Oct 2026 · onpay.com
Company size
LinkedIn lists OnPay as a privately held financial-services company headquartered in Atlanta with 51–200 employees and about 190 visible employees.Read 15 Oct 2026 · linkedin.com
Documentation and support
The help center provides navigation, onboarding, payroll, security and troubleshooting articles; U.S.-based support is available weekdays 9 a.m.–8 p.m. Eastern by phone, chat and email.Read 15 Oct 2026 · help.onpay.com
Founded and origin
The company says its online payroll product grew from founder Jesse Burgess's family payroll business and was spun out in 2015.Read 15 Oct 2026 · onpay.com
Funding news
OnPay announced on January 7, 2025 that it raised more than $100 million, including a $63 million Series B led by Carrick Capital Partners.Read 15 Oct 2026 · carrickcapitalpartners.com
Hiring and onboarding
Built-in onboarding includes custom offer letters, electronic signatures for I-9 and W-4 forms, and employee self-onboarding.Read 15 Oct 2026 · onpay.com
HR
HR features include employee onboarding, e-signatures, personnel documents, task delegation, and six permission levels.Read 3 Oct 2026 · onpay.com
HR tools
HR add-ons provide PTO workflows, delegated tasks, equipment tracking, org charts, directories and custom eSignature documents.Read 15 Oct 2026 · onpay.com
Legal entity
OnPay's privacy statement identifies the operating company as OnPay, LLC, a Delaware corporation with offices at 675 Ponce de Leon Avenue NE, Atlanta.Read 15 Oct 2026 · onpay.com
Licence model
APIs.io classifies OnPay as a commercial hosted SaaS product and marks it as not open source.Read 15 Oct 2026 · apis.io
Limit: customization
Reviewers cite limited payroll-scheduling customization, reporting customization and advanced scheduling controls.Read 15 Oct 2026 · trustradius.com
Limit: mobile app
App-store reviewers report crashes, login loops, blank pages and inability to download W-2 files from the mobile app.Read 15 Oct 2026 · apps.apple.com
Limit: support delays
Some reviewers report slow responses on tax-filing problems and occasional technical or support delays.Read 15 Oct 2026 · trustradius.com
Limit: time clocks
Review summaries repeatedly request a built-in time clock or stronger time-tracking capability.Read 15 Oct 2026 · trustradius.com
MFA
Users can secure accounts with authenticator-app or SMS six-digit multi-factor authentication, although the help center says client MFA is recommended rather than required.Read 15 Oct 2026 · help.onpay.com
Mobile app scope
The OnPay Mobile app is for employees, who can view pay stubs, access tax forms, and use direct deposit features.Read 3 Oct 2026 · help.onpay.com
Multi-state payroll
Payroll supports workers in all 50 states with automatic state registrations and local withholding calculations.Read 15 Oct 2026 · onpay.com
No added payroll fees
OnPay says there are no extra fees for unlimited pay runs, multi-state payroll, or workers inactive in a given month.Read 3 Oct 2026 · onpay.com
Other integrations
Listed connections include TurboTax, QuickBooks Time, Deputy, When I Work, PosterElite and benefits and retirement partners.Read 15 Oct 2026 · onpay.com
Partner API
OnPay markets a developer API for automated payroll, HR, time-tracking and accounting data flows, but access is limited to approved partners.Read 15 Oct 2026 · onpay.readme.io
Payroll
The service automates payroll calculations, tax filings, and tax payments, and includes year-end filings.Read 3 Oct 2026 · onpay.com
Payroll processing
The base service pays W-2 employees and 1099 contractors by direct deposit, check or prepaid debit card.Read 15 Oct 2026 · onpay.com
Praise: ease and value
Independent reviewers repeatedly describe payroll as intuitive, quick to set up, cost-effective and supported by responsive customer service.Read 15 Oct 2026 · getapp.com
Praise: tax automation
Reviewers commonly praise accurate automated tax calculations and filings across multiple states and worker types.Read 15 Oct 2026 · trustradius.com
Rating on Apple App Store
4.8 out of 5 from 486 ratingsRead 15 Oct 2026 · apps.apple.com
Rating on Capterra
4.8 out of 5 from 469 reviewsRead 15 Oct 2026 · capterra.com
Rating on G2
4.8 out of 5 from 419 reviewsRead 15 Oct 2026 · g2.com
Rating on GetApp
4.8 out of 5 from 468 reviewsRead 15 Oct 2026 · getapp.com
Rating on Google Play
4.4 out of 5 from 141 reviewsRead 15 Oct 2026 · play.google.com
Rating on Trustpilot
3.7 out of 5 from 317 reviewsRead 15 Oct 2026 · trustpilot.com
Rating on TrustRadius
8.5 out of 10 from 108 reviewsRead 15 Oct 2026 · trustradius.com
Retirement and workers compensation
The platform connects integrated 401(k) and workers-compensation plans, with customers paying plan premiums.Read 15 Oct 2026 · onpay.com
Security compliance
OnPay states that it is SOC 2 Type II compliant and uses end-to-end encryption, AWS infrastructure, backups and role-based access controls.Read 15 Oct 2026 · onpay.com
System access
The service is available in all 50 states and Washington, D.C.; users outside the U.S. are told to connect through a U.S.-presence VPN.Read 15 Oct 2026 · help.onpay.com
Tax compliance
OnPay calculates, pays and files federal, state and local payroll taxes and includes year-end W-2 and 1099 filings.Read 15 Oct 2026 · onpay.com
Time tracking
The time module supports worksite clocks, timesheets, overtime and break rules, approvals, audit logs and automatic payroll sync.Read 15 Oct 2026 · onpay.com
Unlimited runs
Subscriptions include unlimited pay runs, multiple schedules and the ability to edit or cancel a run.Read 15 Oct 2026 · onpay.com
Who it serves
OnPay describes its payroll software as designed for small businesses and lists support for industries including restaurants, farms, nonprofits, healthcare, and retail.Read 3 Oct 2026 · onpay.com
Workers
Businesses can pay W-2 employees and 1099 contractors in the same pay run.Read 3 Oct 2026 · onpay.com

Plans and prices

Compliance Resources $10 a month $10 base per month state compliance alerts · labor-law updates · handbook guidance · compliance library Read 15 Oct 2026 · onpay.com
HR $15 a month $15 base + $2/worker per month PTO management · onboarding workflows · org chart · employee directory · eSignature documents Read 15 Oct 2026 · onpay.com
Time Tracking $15 a month $15 base + $4/worker per month time clocks · timesheets · overtime and break rules · supervisor approvals · payroll synchronization Read 15 Oct 2026 · onpay.com
Payroll $49 a month $49 base fee per month + $6 per worker per month Unlimited pay runs and schedules · W-2s, 1099s, and year-end filings included · federal, state, and local tax filings included · no extra charge for workers in multiple states Read 3 Oct 2026 · onpay.com
Payroll Essentials $49 a month $49 base + $6/worker per month full-service payroll · unlimited pay runs · all 50 states · W-2 and 1099 workers · tax filings · employee self-service Read 15 Oct 2026 · onpay.com
Live HR Support $65 a month $65 base per month on-demand HR concierge · licensed HR experts · phone, chat and email · unlimited access Read 15 Oct 2026 · onpay.com
Hourly Employees Bundle $70 a month $70 base + $10/worker per month Payroll Essentials · Time Tracking · HR Read 15 Oct 2026 · onpay.com
Salaried Employees Bundle $120 a month $120 base + $7/worker per month Payroll Essentials · HR · Compliance Resources · Live HR Support Read 15 Oct 2026 · onpay.com
Growing Businesses Bundle $130 a month $130 base + $10/worker per month Payroll Essentials · Time Tracking · HR · Compliance Resources · Live HR Support Read 15 Oct 2026 · onpay.com

Every OnPay plan and price →

Strong points and limits

Strong points

  • Automates payroll tax filings and payments
  • Pays W-2 and 1099 workers in one pay run
  • Supports multi-state payroll without an extra fee
  • Mobile clock-ins can use geofencing
  • One-month free start

Limits

  • No free plan
  • Payroll costs $49 per month plus $6 per worker
  • Health plan premiums still apply

Who it suits

OnPay suits small businesses that need payroll alongside HR and time-tracking tools. Its listed industry coverage includes restaurants, farms, nonprofits, healthcare, and retail.

OnPay in depth

Read the full write-up

OnPay is payroll software for small businesses that also brings together HR, employee time tracking, and benefits administration. It is a strong fit for employers paying a mix of W-2 staff and contractors or operating across states. Its broad payroll coverage is balanced by a base fee, a per-worker charge, and health plan premiums.

Overview

Payroll is the anchor: OnPay automates calculations, tax payments, federal, state, and local filings, and year-end filings. W-2 employees and 1099 contractors can be paid in the same run. Unlimited pay runs and schedules, multi-state payroll, and workers inactive in a given month incur no extra payroll fee, a useful structure for businesses with changing hours or locations.

Payroll is joined by onboarding, personnel documents, e-signatures, task delegation, time tracking, and health plan administration. That breadth can help a small employer manage routine people operations in one service. It is less compelling for a buyer whose main need is a specialized workforce platform or a tool focused only on payroll.

Key features

Payroll and workforce records

The same pay run can cover employees and contractors, and included tax and year-end filings keep core payroll administration together. HR tools cover onboarding and employee documents, with six permission levels for controlling access. These capabilities suit employers that need basic people-management workflows alongside payroll, without implying a full-scale HR suite.

Time, benefits, and integrations

Employees can clock in from mobile devices with geofencing; approved hours can then sync to payroll. This can reduce re-entry when staff hours vary, although the mobile app itself is employee-facing: it supports pay stubs, tax forms, and direct deposit features. OnPay offers health plans and ongoing plan administration at no added administration cost, but premiums remain part of the employer's cost.

Named integrations include QuickBooks Online and Desktop, Xero, TurboTax, QuickBooks Time, Deputy, and When I Work. OnPay states that it is SOC 2 Type II compliant and uses encryption, AWS infrastructure, backups, and role-based access controls. Phone, chat, and email support is available on weekdays from 9 AM to 8 PM ET.

Pricing

The Payroll plan costs $49 a month, billed as a $49 base fee per month plus $6 per worker per month. It includes unlimited pay runs and schedules, W-2s, 1099s, year-end filings, and federal, state, and local tax filings. There is no extra charge for workers in multiple states. The per-worker component means total payroll cost rises with headcount, even though pay frequency and multi-state coverage do not add payroll fees.

There is no free plan. OnPay offers one month free to get started, after which the paid plan's base and per-worker charges apply. Health plan premiums also remain payable. Businesses that need benefits access should account for those premiums separately from payroll pricing.

Platforms

OnPay is available on web, Android, and iOS. Its mobile app is designed for employees to view pay stubs, access tax forms, and use direct deposit features; mobile time clocking with geofencing is also supported.

Who it's for

OnPay is designed for small businesses, including restaurants, farms, nonprofits, healthcare providers, and retailers. It is especially suitable for employers with both W-2 employees and 1099 contractors, staff in more than one state, or variable payroll schedules. Readers comparing options for Restaurant Payroll Software, Contractor Payment Software, or Nonprofit Payroll Software may find its included tax filing and mixed-worker payroll relevant. Churches can also compare options in Church Payroll Software.

Pros and cons

Pro: Tax filings and year-end filings are included, and employers can pay W-2 workers and contractors together.

Pro: Unlimited pay runs, multi-state payroll, and inactive workers do not trigger additional payroll fees.

Pro: Approved mobile time entries can flow into payroll, while health plan administration carries no extra administration fee.

Con: The $49 monthly base fee is supplemented by $6 per worker each month, so the total grows with headcount.

Con: Health plan premiums still apply, making benefits more than a no-cost add-on.

Con: The employee mobile app supports self-service tasks rather than serving as a general employer management app.

Alternatives

For eligible new businesses wanting a free starting point, ClockOn has a Starter Package at free for up to 12 months or 27 STP submissions; its ClockOn Pro plan is $8.80 a month. ADP Workforce Now is another payroll option, with an Essential Payroll plan covering processing, tax filing, direct deposit, employee access, and multi-jurisdiction payroll; its price is custom pricing.

CheckMark Payroll is worth considering for Mac or Windows users who prefer annual pricing: Payroll Pro costs $599 a year, with $599/first year and $419 from second year, and covers unlimited employees and payrolls for one company and one computer. RUN Powered by ADP offers payroll plans including Essential Payroll and a payroll-and-HR Select plan, with custom pricing.

Workforce.com offers scheduling, HR, and payroll in its All-in-One plan, with custom pricing. isolved HCM provides a modular platform with custom pricing. For restaurant operators seeking a broader operations package, Kit by KitchenSync has a Kit Essentials plan at $1,500 a month per location, including one manager and five employees. Paycor is another paid payroll and HR option.

Verdict

Choose OnPay if you run a small business and want payroll, included tax filing, mixed employee-and-contractor pay, and basic HR and time tools under one roof. Its no-extra-fee treatment of multi-state payroll and unlimited runs is a clear advantage for variable operations. Look elsewhere if the per-worker charge strains your budget, you need a broader workforce suite, or health plan premiums undermine the benefits case.

Verdict

OnPay brings payroll, HR, benefits, and time tracking together, with a stated one-month free start. Budget for the base fee, per-worker charge, and any health plan premiums.

Where Specifiction places it

Alternatives to OnPayAll alternatives →