OnPay Review 2026 - Features, Pricing & Deals

OnPay handles employee payments, benefits, and compliance requirements. The platform runs payroll, manages tax filings, and organizes employee benefits in one place.

Small and medium-sized businesses can process unlimited payroll runs, automate tax calculations, and give employees access to their documents through a self-service portal. The system works for nonprofits, agricultural businesses, and hospitality companies. Accountants managing multiple clients can use OnPay's partner dashboard to oversee payroll across different businesses.

The pricing structure is straightforward: businesses pay a base fee of $49 per month plus $6 for each employee or contractor. This includes core features like direct deposit, tax filing for all 50 states, and unlimited pay schedules. An optional HR add-on costs $15 per month plus $2 per employee and includes PTO management, customizable workflows, and benefits enrollment management. Companies can access the platform through any web browser, and employees can view their information using mobile devices or the website.

OnPay handles most payroll and HR tasks automatically, and also provides customer support through phone, email, and chat. The software connects with QuickBooks and Xero, making it easier to keep financial records up to date. New customers get their first month free plus setup and data migration assistance.

• Comprehensive Payroll Processing: Run unlimited payroll with flexible payment methods including direct deposit, checks, and prepaid debit cards for employees and contractors.
• Automated Tax Filing: Automatically calculate, file, and pay federal, state, and local payroll taxes for all 50 states to ensure complete regulatory compliance.
• Employee Self-Service Portal: Allow employees to manage personal information, access pay stubs, view W-2 forms, and complete self-onboarding through mobile and web platforms.
• Benefits Administration: Manage benefits enrollment, track 401(k) and insurance contributions, and ensure compliance with COBRA and ACA regulations.
• Time and Attendance Management: Track employee hours, manage overtime, handle PTO accruals, and generate detailed timekeeping reports automatically.
• HR Management Tools: Access org charts, document storage, customizable workflows, and document audits to keep employee records organized.
• Accounting Software Integration: Connect with QuickBooks, Xero, and time-tracking apps to synchronize payroll data across your business tools.

• Core Payroll: $49 per month plus $6 per employee or contractor, includes unlimited payroll runs, full-service tax filing for all 50 states, direct deposit, debit card payments, check printing, and employee self-service portal.
• HR Add-on: $15 per month plus $2 per employee, includes PTO management, customizable workflows, document audits, and benefits enrollment management.
• No additional cost for self-printed year-end W-2 and 1099 forms.
• First month free for new customers, plus complimentary onboarding support and account migration.

Most users find OnPay quite easy to set up, even if you're not tech-savvy. The interface is straightforward, and you can usually get your payroll system running within a day or two. They offer guided setup with onboarding specialists, and your first month is free with complimentary account migration assistance. You'll need basic company info, employee details, and tax information ready before you start. Many small business owners handle the setup themselves without needing outside help, though some solo businesses report occasional frustrations with bank verification or document requirements.

OnPay automatically calculates, files, and pays your federal, state, and local payroll taxes across all 50 states. They handle your quarterly tax filings and year-end forms like W-2s and 1099s. If they make a mistake, their tax accuracy guarantee means they'll pay any resulting fines or penalties. You don't need to worry about changing tax laws or deadlines - the system updates automatically to stay compliant with current regulations.

Yes! OnPay provides a self-service portal where your employees can access their payroll information anytime. They can view current and past pay stubs, download W-2 forms, update their personal details, manage their direct deposit information, and complete self-onboarding. The portal works on mobile devices too, so they can check their pay info from anywhere. This feature saves you time since employees can handle many basic tasks themselves.

When you need help, OnPay offers support through phone, email, and chat. Their customer service team is available Monday through Friday during business hours. Many users report excellent experiences with helpful onboarding specialists and quick responses, while others mention occasional delays in resolving specific account problems during busy times. The company also provides a help center with guides and tutorials that answer common questions about using the system.

OnPay integrates with popular accounting software like QuickBooks and Xero, plus time-tracking apps. This connection lets your payroll data sync automatically with your accounting system, which saves time and reduces errors from manual data entry. The integration works both ways - changes in either system can update the other. Setup is usually simple, requiring just a few clicks to connect your accounts. Keep in mind that OnPay has fewer integrations compared to some enterprise-level competitors, so check their website for their current list of integration partners.