OnPay
Small businesses that want low-cost, full-service payroll across one or several states, with human support for every customer.
Quick overview
- Pricing
- $49/mo + $6/worker
- Plans
- Published pricing (checked Oct 2026). Payroll Essentials: $49/month base fee + $6/month per worker (OnPay says pricing starts at $55/month). Includes multi-state payroll, local taxes, W-2s, 1099s and year-end filings, unlimited pay runs, no implementation or integration fees, free data migration. One month free for new customers. HR tools, time tracking and benefits are optional add-ons.
- G2 rating
- 4.8 / 5.0
- Comparisons
- Featured in 4 comparisons
Key features
- Full-service payroll with multi-state payroll and local taxes included
- W-2s, 1099s and year-end filings with unlimited pay runs
- Benefits through licensed in-house agents with no extra admin cost
- Optional HR tools: onboarding workflows, e-signature templates, PTO
- Optional time tracking with mobile clock-in and geofencing
Pros
- Multi-state and local taxes included in the base plan
- Same phone, chat and email support for all clients
- Free setup and data migration
- One simple plan with published pricing
Cons
- HR and time tracking cost extra
- Smaller integration ecosystem than Gusto or Rippling
- No published international contractor or EOR offering
OnPay in our comparisons
Best Payroll Software for Small Business
Gusto is the best payroll software for most US small businesses. Pick OnPay for the best value with multi-state included, or Patriot Software if you want the lowest price.
Marcus WilliamsUpdated October 2026Gusto alternatives
Stay with Gusto if you are a small US business that wants simple payroll and benefits with public prices. Pick OnPay to save money, Rippling to run HR, IT and payroll in one system, or Deel to pay people abroad.
Marcus WilliamsUpdated October 2026Gusto vs Rippling
Choose Gusto for transparent, easy US payroll and benefits. Choose Rippling if you need payroll, HR, IT and global hiring in one system and can work from a custom quote.
Marcus WilliamsUpdated October 2026Rippling alternatives
Stay with Rippling if you'll use its IT and spend modules alongside payroll and HR. For payroll and basic HR at a published price, OnPay (or Gusto Simple, for one state) costs $169 a month for 20 employees.
Marcus WilliamsUpdated October 2026