OnPay vs Justworks
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What you'd pay
Entry plan for 10 people, billed yearly where offered. Prices checked Oct 2026.
OnPay
Small businesses that want low-cost, full-service payroll across one or several states, with human support for every customer.
Justworks
Small companies that want to offer competitive benefits and hand off HR compliance through a PEO with transparent per-employee pricing.
Side by side
| OnPay | Justworks | |
|---|---|---|
| Pricing | $49/mo + $6/worker | From $50/mo + $8/employee |
| G2 Rating | 4.8 (415 reviews) | 4.6 (1,127 reviews) |
| Best For | Small businesses that want low-cost, full-service payroll across one or several states, with human support for every customer. | Small companies that want to offer competitive benefits and hand off HR compliance through a PEO with transparent per-employee pricing. |
Pros and cons
OnPay
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
Justworks
Pros
- Clearest published PEO pricing
- Large-group style benefits for small teams on PEO Plus
- Low-cost payroll-only plan
- 24/7 support on PEO plans
Cons
- PEO per-employee costs far exceed payroll-only tools
- Co-employment is harder to unwind than switching payroll
- Some features (EPLI, vendor payments) are PEO-only
Related 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.
Gusto 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.
Gusto 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.