OnPay is a payroll and HR platform built for small businesses, offering full-service payroll processing with automated federal, state, and local tax calculations, filings, and payments. The platform handles W-2 employees and 1099 contractors across all 50 US states with no extra charges for multi-state payroll. It also includes benefits administration through licensed brokers, covering health, dental, vision, and 401(k) plans.
The interface is straightforward and easy to learn, which is one of the main reasons small business owners choose it over more complex alternatives. OnPay provides employee self-service portals, PTO tracking with approval workflows, document storage, onboarding tools, and an org chart. It integrates natively with QuickBooks Online, QuickBooks Desktop, and Xero for accounting.
That said, OnPay has real limitations. There is no built-in time tracking, so you will need a third-party integration for that. It lacks performance management, recruiting or ATS tools, and advanced HR features that mid-market companies often need. Reporting can feel limited, and it is US-only with no international payroll.
- Small businesses under 50 employees needing simple US payroll with benefits administration and accounting integrations.
- Companies needing international payroll, advanced HR features, performance management, recruiting tools, or businesses with more than 100 employees requiring enterprise-grade functionality.
- Easy to set up and use with minimal learning curve.
- Transparent flat pricing with no hidden fees or upcharges.
- Responsive and knowledgeable customer support with real humans.
- No built-in time tracking, must rely on third-party integrations.
- Limited reporting and dashboard capabilities, especially on mobile.
- Lacks advanced HR features like performance management and recruiting.
$49/mo base fee + $6/mo per person. All features included at one price. No extra charges for multi-state payroll, off-cycle runs, or tax filings. First month free.