Full-Service Payroll
Run unlimited payroll for employees and contractors across all 50 states with automatic tax calculations, pre-tax deductions, and clean pay stubs in every pay run.
Payroll, HR, and benefits software
Key takeaways
OnPay is an all-in-one payroll, HR, and benefits platform built for small businesses, and this OnPay Payroll review keeps it honest: most teams pick it for genuinely easy full-service payroll, automatic tax filing, and friendly expert support, all at one flat price. It pays employees and contractors across multiple states and stays compliant with federal, state, and local rules. The most common gripe is that the in-app documentation and PTO workflow could be a bit more polished.
Starting price
$40
per month base, plus $6 per person
- All-in-One Plan$40/mo + $6/person
What is included
- Unlimited pay runs and flexible pay schedules
- Pay employees and contractors in all 50 states
- W-2s, 1099s, and year-end tax filings included
- No setup fees or integration fees
- Expert support by phone, chat, and email
OnPay pricing is shown for reference and can change. Custom arrangements are available on request for larger teams.
What is OnPay?
OnPay is a cloud-based payroll, HR, and benefits platform that runs pay for employees and contractors across states with direct deposit, automatic tax calculations and deductions, and built-in compliance work at the federal, state, and local level. The interface stays out of the way: admins punch in hours, look over the pay run, and approve direct deposit in just a few clicks.
What people like most is that OnPay payroll software for small business does the basics extremely well, then scales when you need more. Calculations are accurate, tax filings are automatic, and the platform layers on add-ons like 401(k) retirement, workers' comp, and health benefits without making things feel bloated.
Integrations
OnPay connects with the time tracking, scheduling, and accounting tools small teams already lean on:
- QuickBooks Time
- Xero
- Deputy
- When I Work
- Traliant
What's inside
Features
The OnPay plans and features small teams actually use to run payroll, manage people, and stay on the right side of compliance.
Automatic Tax Filing
Accurate federal, state, and local payroll tax filings and payments are handled for you, with an extra focus on compliance so quarter close stops feeling stressful.
Employee Onboarding
Customizable onboarding flows with e-signature offer letters and paperwork, plus self-onboarding through a lifetime self-service portal that follows each employee.
Reporting and Analytics
Pull from more than 30 prebuilt reports or build custom ones with breakdowns by location, department, position, and pay type, plus custom date ranges and filters.
Self-Service Portal
Employees pull pay stubs and tax documents, update personal and bank details, and request time off on their own, which cuts down on the small back-and-forth with HR.
Benefits and PTO
Licensed brokers help set up health, dental, vision, and retirement, while customizable PTO accrual policies and approval flows keep time off clean and predictable.
The honest trade-offs
Pros and cons
Where OnPay shines and where it slips, pulled from verified user reviews.
Pros
- Strong employee benefits options, with licensed brokers and a solid menu of health, dental, vision, and retirement plans.
- A broad set of HR features sits next to payroll instead of being tacked on as a separate product.
- Reliable, on-time payroll runs that small teams can trust week after week.
- Excellent customer support by phone, chat, and email, with reps who answer real questions instead of reading a script.
Cons
- The in-app documentation could be deeper and easier to search.
- The PTO workflow could be more streamlined, especially for teams with complex accrual rules.
Verified customers
Reviews
What small business owners and operators say about running payroll, HR, and benefits on OnPay.
from 192 reviews
Dana
Agriculture, 1-10 employees
“Reasonable price, very helpful onboarding”
Pros
The cost was reasonable for what we get, and the onboarding specialist walked us through setup over a few calls. Tax filings have been on time every quarter.
Cons
Bringing prior year history over meant a fair amount of manual data entry, so the first cutover felt tight.
Reed
Retail, 1-10 employees
“Great value with support that actually helps”
Pros
Pricing is straightforward, the support team is genuinely useful, and the tutorials cleared up the bits we got stuck on early.
Cons
There was a small learning curve at the very start, mostly around setting up benefits the way we wanted them.
Mia
Telecommunications, 51-100 employees
“Clean interface, smooth automation”
Pros
Running payroll takes minutes now. The interface is clean, the automation is reliable, and when we do call in, someone is available quickly.
Cons
A few report exports could be a bit more flexible, though the standard ones cover most of what we need.
Good to know
Frequently asked questions
Quick answers on OnPay pricing, integrations, mobile access, and support before you book a demo.
Yes. OnPay provides an API so developers and partner platforms can connect to the payroll system.
OnPay is offered in English and Spanish.
OnPay integrates with When I Work, QuickBooks Time, Traliant, Deputy, Xero, and more accounting, time tracking, and HR tools.
Yes. OnPay is mobile friendly, so admins and employees can manage pay, profiles, and time off from a phone.
OnPay keeps it simple with one all-inclusive plan at $40 per month base plus $6 per person. Custom arrangements are available on request for larger teams.
OnPay is widely used by small businesses in nonprofit, retail, healthcare, fitness and wellness, agriculture, and restaurants.
OnPay provides a knowledge base, help desk, live chat, email, and phone support, all included at no extra cost.