The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
Advertising Disclosure

OnPay Review

9.0
excellent
Top10.com Staff

In a Nutshell

OnPay is an intuitive platform that helps American small businesses take care of payroll, benefits and HR in 50 states. With multiple third-party integrations and add-ons, it is suitable for small and growing businesses from all industries. The OnPay platform is incredibly easy to use, and a team of trained professionals is always on hand to help with setup or issues. OnPay has been selected as PCMag’s 2020 Editors’ Choice for payroll and HR.

pros

  • Easy-to-use interface and dashboard
  • Customizable pay types and frequency
  • Plenty of third-party integrations

cons

  • Can’t be used for operations outside US
  • PTO function not that intuitive

OnPay OnPay Visit Site

OnPay at a Glance

Best for  
Small businesses, growing businesses, accountants (for small businesses)
Price range 
$36/month + $4/person
Benefits & HR 
401(k), worker’s comp, health insurance
Automatic tax filing 
Yes
Apps 
Accounting, time tracking, 401(k), HR, small business lending, business tools

Features and Add-ons

OnPay recently overhauled its platform, adding new features and improving usability while maintaining the same competitive price as before.

Features include:

  • 40+ payroll reports. Filter by employee type, location, or department. View, download, or export in PDF.
  • 16 integrations. Includes QuickBooks, Xero, and FreshBooks accounting software, When I work and TSheets time-tracking apps, ABk and Guideline 401(k) software, ThinkHR and PosterElite HR software, Kabbage for small business loans, and Magnify business tools.
  • HR tools. Includes automated employee onboarding, state new hire reporting, compliance audits, and tax withholding forms.
  • PTO tools. Includes customizable paid time-off policies, automatic PTO accrual tracking, PTO calendar and reminders, email notifications.
  • Org charts. Includes visual org chart, detailed employee profiles and contact info, searchable company directory, filtering by location/department/team.
  • Benefits. Allows you to add health and dental benefits in all 50 states, other forms of insurance (e.g. life, vision, disability), integrated 401(k) retirement plans, and running a quick employee census.
  • Integrated workers’ comp. Includes automatic deductions from payroll, pay-as-you-go policies, low up-front costs, automatic updates when your team changes, support from experienced workers’ comp brokers.

Tax Compliance

OnPay withholds federal and state payroll taxes and federal and state unemployment insurance each pay run. It files Form 941 quarterly and Form 940 annually on your business’s behalf. The system allows you to pay W-2 employees or 1099 contractors. It is able to handle payroll and tax across multiple states—leaving you compliant whether you operate in 1, 2, or 50 states. The system also allows you to deduct garnishments from net pay with 2 extra clicks.

Payment Options

When it comes to paying your employees, OnPay gives you the flexibility to run payroll as often as you like and to choose between multiple payment types and schedules. It lets you pay by direct deposit, debit card, or check—and there are no extra fees for selecting any of these options. It lets you set more than one pay schedule for your company—again with no added fees for doing so. Most OnPay users are subject to a 2-day turnaround for payroll.

Pricing/Costs & Fees

OnPay has a simple pricing model of $36 per month plus $4 per employee per month. This puts it toward the lower end of the pricing scale for payroll platforms (which range from around $25-$80/month and $4-$5/employee per month). With OnPay, there are no other hidden fees to worry about.

The subscription fee covers everything (except the cost of third-party software, of course). That means you can start small and add features as you go, while all the time being able to rely on OnPay’s trained customer support professionals for help with integrating and adding new functionalities.

There are no limits to the number of pay runs and pay types, which is great if you’re running a fast-growing business or have a mix of employees and contractors.

OnPay OnPay Visit Site

Usability

The OnPay platform recently underwent a design overhaul, and the end result is that it is now easy to use and very easy on the eye. The platform is easy to set up, and very intuitive where both your business and employees are concerned. The dashboard is visually appealing and easy to navigate, especially on desktop. It’s simple to use on mobile too, although some customers have reported having issues with speed when accessing from mobile.

Employees can log in to the system to download all their forms and access details of previous pay runs, saving your HR team the trouble of doing this for employees. It’s also super simple to adjust an employee’s paycheck or frequency.

One of the best things about the system is the customer support. While the OnPay platform is very intuitive, you can turn to a trained customer support rep at any time if you have any issues or need help with setting up a new feature.

Conclusion

OnPay offers a comprehensive payroll service at a competitive price. It caters to small businesses, and works particularly well for fast-growing businesses looking to add-on employees while keeping payroll running seamlessly. With payroll, tax compliance, and benefits across all 50 states as well as numerous added features and benefits, OnPay offers reliability and added value.

Top10.com's editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.

OnPay customer reviews

Based on 60 reviews

Ease of use

Brand satisfaction

Value for money

Service quality

Top Reviews

Ease of use

Brand satisfaction

Value for money

Service quality

5 months ago

They are a great company and offer a great service for our company. It's easy to use and the information is always accurate.

5 months ago

It is easy to use, fast pace, not hard at all. It doesn't give me any trouble and is not tricky at all. Lots of people would love the site. I will recommend to everyone and anyone. It's really that simple. I just love how extraordinary and extremely easy it is.

5 months ago

I love using OnPay because it keeps me up to date on everything I do and the things I need to do. It makes it so much easier for me to do my job.

5 months ago

Overall, I like their software. It does a good job helping manage our employee services. However, the scheduled pay run doesn't update as processed on the dashboard or advance to the next run right away. And, I have an employee with a monthly deduction that I have to manually turn on and off on the dashboard. There is some improvement needed.

6 months ago

I really like OnPay because it's easy to pay and receive. And when people pay me or when I pay people I get a notification.

6 months ago

Very easy to track our employees, set them up in the system. Much cheaper than some of the competitors.

6 months ago

I like using OnPay as it has all the necessary features I need to easily perform my day to day tasks in my organisation.

7 months ago

It is easy to use, I like the formatting, I like the layout of the material! I enjoy everything about the software.

7 months ago

I like it because it allows you to keep track of all your hours, your work, and your correct pay. It offers a great first time offer for new users

7 months ago

It is very easy for everyone to use. The price is great and it's always fast.

a year ago

Using this payroll company has made my payroll easier. I used to use H&R Block every quarter for my payroll. $40 is what I was charged for something that took 5 minutes to do.

a year ago

I'm a small company and Onpay was super easy to use. The software laid everything out in black and white.

a year ago

Like their service and the way they treat their customers.

a year ago

It easy to use because it helps deal with taxes issues easily and allows payments to a lot of people at the same time.

a year ago

I've been using it for a while and I've never had any issues using Onpay for paying my employees.

a year ago

Have only used Onpay a couple times, but from those two times I can tell you the product they offer is effective and works and is simple to use. If anybody asked, I would tell about them and recommend them for sure.

a year ago

I used Onpay for the past 6 months paying my employees that work for me and love it.

a year ago

It's all about the satisfied the customer. It helps the customer and employees get their pay faster and easier. I have no complaints about this service.

a year ago

Never had any issues with Onpay. Quick and easily accessible for use. No disappointment so far. I am satisfied with their service. I think they're better than most payroll services. It's quick and easy for my employees. Their services gives a variety of payment options.

a year ago

I like it a lot because it's what my job uses. I found it very easy to navigate.

60 reviews