OnPay review (2026): pricing, fees and who it's for

Full-service payroll in one plan, with optional HR, time tracking and benefits add-ons.

By the OwnerUnlocked team · Facts checked Oct 4, 2026 · How we rate · Partner links

7.7/10

OwnerUnlocked score

Best for: Small teams across states wanting one flat price

Cost for a new business 35%7.0

from about $49/mo

Owner ratings 30%9.5

4.8/5 average across public ratings

Spanish and support 20%5.0

Not confirmed

Openness 15%9.0

published prices, free plan or trial, app

Starting priceFrom $49/mo

Free plan or trial1 month trial

SpanishNot confirmed

SupportPhone, chat, email; weekdays 9am-8pm

Mobile appYes

Public rating4.8/5 · App Store (614)

Good fit if

Small teams across states wanting one flat price

Pick something else if

You need next-day or same-day direct deposit, or a free plan.

What we like

One $49/mo + $6/worker plan includes full-service tax filing.
Pay workers in all 50 states at no extra cost.
Free setup, data migration and automatic state tax registrations.
First month free; support by phone, chat, email weekdays 9am-8pm.

Watch out for

No next-day or same-day deposit; fastest is 2-day.
Time tracking adds $15/mo + $4/worker; HR adds $15/mo + $2/worker.
No free plan; paying one worker costs $55/month.

OnPay pricing

Plan	Price	Notes
Payroll Essentials	$49/mo + $6/worker	Tax filing, all 50 states, W-2s and 1099s
Essentials + Time Tracking + HR	$70/mo + $10/worker	Bundle discount; aimed at hourly teams
Essentials + HR + Compliance + Live HR	$120/mo + $7/worker	Bundle for salaried teams; live HR experts
All add-ons bundle	$130/mo + $10/worker	Time tracking, HR, compliance and live HR support

Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.

What payroll will cost you

Employees and contractors you'll pay

Payroll	Per month	Per year
OnPay	$67	$804
Gusto	$67	$804
Patriot Software	$52	$624
RUN Powered by ADP	Quote only

Cheapest full-service plan, list prices, before promotions. State registration and workers' comp are extra.

The details

Base price	$49/mo
Per person	$6/worker per month
Contractors only	Same plan: $49/mo + $6/contractor
Files payroll taxes for you	Yes: federal, state, local
Workers in several states	All 50 states, no extra cost
Direct deposit speed	2-day or 4-day; no next-day
Workers' comp	Pay-as-you-go via partner; premiums only
Benefits	Health, dental, vision, 401(k); premiums only
Time tracking	Add-on $15/mo + $4/worker
HR tools	Add-on $15/mo + $2/worker; onboarding included
W-2s and 1099s	Included, with year-end filings
Setup fee	None; free setup and data migration
Free trial	First month free

Before you sign up

You'll need

EIN (employer tax ID)
Business bank account for payroll
Each worker's name, address and pay rate

Do this first: You'll need your EIN, your state withholding and unemployment account numbers (or pay for registration), a business bank account, and workers' comp in most states.

See where this step fits in your startup checklist →

Free option first: No employees yet? You don't need payroll. As a single-owner LLC you usually pay yourself with an owner's draw from the business account.

What users say in public ratings

4.8/5

App Store · 614 ratings

4.7/5

Google Play · 149 ratings

Seen on Oct 4, 2026. App store ratings mostly reflect the app; Trustpilot leans toward billing and support stories.

OnPay alternatives

7.3/10GustoSingle-state teams that want published, month-to-month pricing · From $49/mo OnPay vs Gusto
7.0/10Patriot SoftwareBudget-minded small teams paid in one state · From $17/mo OnPay vs Patriot Software
6.3/10RUN Powered by ADPOwners who want 24/7 phone help and room to grow · Price on request OnPay vs RUN Powered by ADP

Compare all side by side

Questions

How much does OnPay cost?

Payroll Essentials: $49/mo + $6/worker; Essentials + Time Tracking + HR: $70/mo + $10/worker; Essentials + HR + Compliance + Live HR: $120/mo + $7/worker; All add-ons bundle: $130/mo + $10/worker. Free trial: 1 month.

Does OnPay have a free plan?

No free plan, but there's a free trial of 1 month.

Does OnPay offer help in Spanish?

We couldn't confirm Spanish support. Ask them before you sign up.

What do I need to sign up for OnPay?

EIN (employer tax ID); Business bank account for payroll; Each worker's name, address and pay rate.

Is OnPay good for a new business?

It fits small teams across states wanting one flat price. Pick something else if you need next-day or same-day direct deposit, or a free plan.

What are the alternatives to OnPay?

Gusto (Single-state teams that want published, month-to-month pricing); Patriot Software (Budget-minded small teams paid in one state); RUN Powered by ADP (Owners who want 24/7 phone help and room to grow).

Sources

Checked Oct 4, 2026. Something out of date? Tell us. Our score is calculated from public facts; partners can't pay for a better one.