OnPay Review – How does OnPay stack up?

On-line payroll companies like OnPay be sure you aren’t left excessive and dry in relation to managing payroll for each workers and contractors.

Not like different companies, OnPay is versatile sufficient to fulfill most if not all your medium-sized enterprise wants past simply payroll.  

It doesn’t matter in case you’re a startup, a restaurant, function in healthcare or the non-profit sector, OnPay is designed to mildew to your wants. 

We dive into its execs and cons in addition to its most outstanding options beneath. 

OnPay Professionals and Cons


  • Simply automate tax funds and filings
  • Pay by debit card, test, or direct deposit
  • Presents buyer assist from licensed payroll professionals
  • Comes with built-in HR instruments
  • Makes it simple to onboard new workers
  • Helps you handle well being and 401(okay) plans
  • Presents employee’s comp in all 50 states
  • Inexpensive $34 month-to-month payment plus $4 per extra particular person


  • Buyer assist high quality can differ
  • Restricted advantages enrollment options
  • PTO options not as intuitive or expansive as different software program

How OnPay Compares to Prime On-line Payroll Providers

OnPay comes with many useful options that transcend payroll, particularly HR instruments and advantages options. Nevertheless, there are different instruments on the market that do a lot of the identical issues. This begs the query: How does it stack up towards different choices? OnPay is nice in case you’re working with a distant workforce. Particularly due to the contractor options that include it.

Nevertheless, there are a number of small enterprise payroll companies that come near it in high quality and buyer satisfaction. Gusto, as an illustration, is a stable on-line payroll choice in case you’re in search of extra time monitoring instruments and employee-facing choices that assist them handle their funds. 

Then again, there’s QuickBooks Payroll. It’s nice for managing smaller groups and effectively taking good care of taxes in case you’re seeking to keep away from outsourcing tax administration at an extra value. It comes with the necessities and leaves out the extra strong instruments. 

In brief, there are tons of payroll choices on the market that may extra carefully align with your corporation wants as soon as you already know what to search for. Nevertheless, that doesn’t take away from the truth that OnPay is a stable payroll service supplier price contemplating. Under we define the way it stacks up based mostly on some key payroll options. 

OnPay Administration & Worker Self-Service

The most effective perks for any payroll supervisor is with the ability to empower your workers with self-service instruments. OnPay provides an worker self-service app the place workers can simply entry pay stubs, replace their private banking info, view PTO, assessment withholdings, and obtain tax types. 

It’s options like these which are nice time savers to your HR crew (or solo supervisor) as workers handle their very own info with out creating extra give you the results you want. Not solely that, however OnPay additionally eases the onboarding course of with built-in self-onboarding instruments the place workers can enter the remainder of their private info as they begin their new positions. As soon as onboarded, workers have lifetime entry to their accounts and work historical past. 

These are highly effective options for medium-sized companies that may assist them lower your expenses in the long term. Whereas instruments like Gusto provide the same array of worker self-service choices, it does come at a barely increased value. When contemplating OnPay’s array of instruments, it’s vital to bear in mind its reasonably priced value level. 

OnPay Multi-State Tax Filings 

Issues can shortly turn into tough with multi-state tax filings. You need to continuously keep updated on altering state tax legal guidelines. You even have to make sure you’re submitting payroll taxes appropriately, and possibly even for a number of states in case you work with distant groups. 

The nice factor is OnPay doesn’t cost you further charges in case you do in actual fact must file taxes in a number of states. OnPay mechanically withholds state and federal payroll taxes, makes your tax funds, and information quarterly and yearly tax types. So far as automation goes, this is a wonderful characteristic price having whether or not you go together with a instrument like OnPay or go for an alternate. 

Automating the tax course of can assist prevent a ton of payroll complications down the highway. Fortunately, OnPay is supplied to do that with out charging you further for the service. 

OnPay Specialised Payroll Options

If there’s one factor that’s true for payroll, it’s that one-size-fits-all doesn’t fairly work while you’re managing it. Generally you want specialised options relying on the {industry} you use in. 

OnPay provides specialised payroll options for greater than 10 completely different industries, together with eating places and bars, healthcare, startups, dentists, gyms, accountants, non-profit organizations, and even agriculture. It is a characteristic that helps set OnPay other than different opponents as a extremely malleable payroll answer that molds to the wants of your corporation.

For example, in case you work within the agriculture {industry}, OnPay has built-in options that aid you pay W-2 employees and H-2A laborers by both direct deposit, debit card, or test. It additionally mechanically information tax kind 943 for you. Moreover, it additionally provides agriculture-specific employees’ compensation. 

In brief, OnPay ensures you’re geared up with industry-specific instruments no matter which one you use in. As a substitute of being a basic payroll system for any and all companies, OnPay hones in on extra particular industries. This specificity in its options is nice information for you in case you determine to make use of it. 

OnPay Pay Cycle Frequency

The flexibility to your payroll software program to deal with completely different pay cycle frequencies is essential to efficiently handle a extra complicated payroll system that grows as your corporation grows. 

OnPay provides the power to handle completely different payroll and pay price frequencies. Although in comparison with different payroll software program like Gusto, OnPay solely provides 4 completely different payroll frequencies:

  • Weekly
  • Bi-Weekly
  • Semi-Month-to-month
  • Month-to-month  

This could work nice for you in case you don’t work with erratic or particular pay schedules, or in case you don’t ceaselessly work with contractors. As a contrasting instance, Gusto provides six completely different payroll schedules to select from and automate. When weighing your payroll service choices, take into account the flexibleness and variety of payroll cycles you’ll want earlier than making any closing choices. 

On Pay All-in-One Advantages 

What’s a payroll supervisor with out the power to deal with worker advantages? 

OnPay eases the method of taking good care of your workers’ well being by means of medical, dental, and imaginative and prescient insurance coverage, retirement plans, life and legal responsibility protection, and even commute advantages. It is a nice perk in case you’re in search of a extra full payroll administration answer that takes care of greater than the fundamentals. 

Particularly when infused with automation, the power to be extra hands-off with more and more complicated duties like monitoring worker advantages could be priceless. With a sturdy payroll instrument like OnPay, you could be properly in your solution to concurrently saving each money and time, and a ton of paperwork alongside the best way in addition. 

It helps that OnPay additionally provides name assist with licensed brokers that aid you slender down the most effective decisions for the wants of your corporation. In brief, OnPay provides you the well being profit instruments to get all of it achieved. However it doesn’t allow you to fly solo and determine it out by yourself both. 

It provides loads of ongoing assist you’ll be able to entry as you want. The mix {of professional} buyer assist together with well-thought-out well being profit options positively earns it factors so far as helpful options are involved. 

OnPay Payroll

OnPay has three main product choices and considered one of them is its in depth array of payroll options. Although we’ve gone by means of a few of its most outstanding payroll options above, there are a number of extra price noting. 

Time Monitoring Integrations

Integrations are an enormous a part of onboarding any payroll answer to your present workflow efficiently. OnPay integrates with a few of the most outstanding accounting software program like QuickBooks and Xero. All in all, OnPay integrates with about 10 completely different payroll adjoining purposes that may aid you get the job achieved. 

Limitless Month-to-month Pay Runs

One wonderful thing about OnPay is that it permits you to run limitless month-to-month pay runs. That is true whatever the variety of workers you’ve onboarded. It’s additionally a pleasant characteristic to have contemplating its affordability. 


Have to care for worker garnishment wants? OnPay helps you care for that course of too. OnPay processes garnishments from worker post-tax wages and retains a document for you within the course of. This makes for a neater time working with garnishment necessities, that are sure to pop up infrequently. 

Customized Reporting

Customized reporting is an effective way to maintain nearer monitor of how your backside line is enjoying out. OnPay permits you to create payroll summaries, earnings summaries, and even PPP mortgage forgiveness studies. It’s versatile sufficient that it means that you can take away irrelevant information factors and set filters. Constructed-in customized views make it simpler for administration to entry essential info. 

OnPay’s payroll options show to be easy but various and strong sufficient for small to medium companies to thrive on it whilst they see development. If there’s one payroll space it does fall quick in although, it might be its integration capabilities. As of now, OnPay solely integrates payroll with a choose few purposes. 

Whereas this would possibly change sooner or later, it’s vital to maintain it in thoughts while you’re desirous about how properly OnPay will combine together with your present tech stack and workflow. Often, the extra malleable a web-based answer is, the better it’s to combine it into present processes. 

OnPay HR

How do OnPay’s HR options pan out? HR administration can flip into a number of busywork fairly shortly. However OnPay’s options are designed that will help you set up the submitting, the paperwork, and the executive duties in a single place with much less of a paper mess. 

OnPay equips you with worker provide letters and self-onboarding, PTO monitoring and approvals, org charts, doc storage, and even HR auditing instruments. For instance, any time your workers need to use their PTO, they will monitor their requests for day off and approvals by means of the OnPay self-service app. 

On this manner, OnPay approaches self-service as an extra HR instrument that your HR crew can use to streamline their processes. So as to add, OnPay additionally provides loads of templates together with e-sign options. So sure, it’s fairly severe about serving to you each cut back and set up your HR paper path. 

Options like worker organizational charts and worker rosters aren’t options you ceaselessly see bundled with payroll service options. Nevertheless, if your corporation strongly depends on hierarchical buildings and the power to speak amongst workers, it may be useful to have such instruments. 

OnPay Advantages

Advantages aren’t a characteristic OnPay takes evenly. It provides a full-service answer for all of your worker profit wants. The perfect half is that your worker advantages sync inside your payroll setup for simpler processing. OnPay is licensed in all 50 states and works with many of the largest insurers.

A giant perk? When you’re onboarded, you don’t have to fret in regards to the trouble of setting all the things up your self. When you’re linked with considered one of its crew members specializing in advantages, they’ll get you all arrange with an automatic system that runs within the background for you. 

In the event you’re already on a plan you’re keen on, OnPay can onboard it for you with none extra adjustments. So far as buyer assist goes, it’s extremely useful that OnPay goes out of its manner that will help you get arrange as you onboard all its advantages options. 

Different extra easy payroll managers don’t include such assist options. These perks are positively the influential components it’s best to take into account in case you’re in search of a complete payroll answer that covers all of your bases. 


OnPay provides stable payroll options for medium-sized companies that received’t need to spend a ton on payroll administration. Whereas there are different shut opponents that provide lots of the similar advantages, OnPay appears to compete on value too—as soon as onboarded, it solely prices you $34 a month and an extra $4 for each worker you add. In the event you’re in want of automated tax administration, worker self-service options, and HR instruments that streamline the worker administration course of then try OnPay free for one month. 

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