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OnPay Review

By Chad BrooksLast Modified: March 14, 2018

OnPay is a cloud-based service that handles all payroll responsibilities for small businesses. With this system, businesses can run an unlimited number of payrolls each month and pay both W-2 and 1099 workers by direct deposit or printed checks. The service also takes care of all payroll tax obligations, including calculating, filing and paying payroll taxes on your behalf.  

Pricing and Terms

OnPay offers one service plan for all users. There is a monthly base fee of $36 per month, plus $4 per employee. You may also be charged for year-end tax forms depending on the delivery option you want. There is no cost to print out W-2 and 1099 forms on your own, but if you want OnPay to print them out and send them to your office to be distributed, they are $5 each plus shipping. If you want the forms mailed directly to your employees, they are $6 each plus shipping.    

Best Online Payroll Services
The Verdict
OnPay is our top choice for very small businesses because it handles all payroll and payroll tax needs, has an easy-to-use online platform, and is affordably priced.
Compare Quotes

There are no contracts or annual fees with OnPay, and the first month of service is free. 


OnPay offers all of the services very small businesses need in a payroll service.   

  • Running payroll is an easy task with OnPay. You add in the hours each employee worked, make sure the proper deductions are withheld, and add in any bonuses or commissions they earned. The system then calculates the payroll and allows you to review the totals. If the totals are accurate, the payroll will run and paychecks will deposit directly into your employees' bank accounts, or you can print checks out on your own.
  • OnPay allows you to run an unlimited number of payrolls each month.
  • OnPay takes care of all of your company's payroll tax requirements. The system calculates, files and pays all of your taxes on your behalf. It also guarantees that the taxes will be paid correctly and on time. If an error is made, OnPay corrects it and pays any fines.       
  • All employees have access to the system to review their paystubs and year-end tax forms.


Additional Considerations

Besides processing payroll and handling all payroll tax responsibilities, OnPay offers a number of other services.   

  • The system integrates with a variety of accounting software and other programs you may use, including QuickBooks, QuickBooks Online, Xero, Kabbage, When I Work, ThinkHR, PosterElite, Guideline and Humanity.
  • OnPay manages all paid time off. The system tracks how much vacation and sick time each employee accrues and uses.
  • Other services it offers include employee insurance benefits, workers' compensation plans and 401(k) retirement plans.
  • OnPay provides excellent customer service. We contacted the company numerous times posing as a small business owner interested in payroll service. All of the representatives we spoke to answered our calls immediately and provided detailed answers to all of our questions.


One thing OnPay lacks is a mobile app. While its website is mobile friendly, some mobile users prefer using an app over a mobile-friendly website. Another drawback is the year-end fees OnPay charges. A number of other services don't charge extra for this service. We were also disappointed that we couldn't find any record of OnPay with the Better Business Bureau.  

Editor's Note: Looking for a payroll service? Click the Compare Quotes button below to have our sister site Buyer Zone connect you with vendors that can help.

Best Online Payroll Services
The Verdict
OnPay is our top choice for very small businesses because it handles all payroll and payroll tax needs, has an easy-to-use online platform, and is affordably priced.
Compare Quotes
Ready to choose your Best Online Payroll Services? Here's a breakdown of our complete coverage:
Chad Brooks
Chad Brooks is a Chicago-based writer with more than 15 years in media. A 1998 journalism graduate of Indiana University, Chad began his career with Business News Daily in 2011 as a freelance writer. In 2014, he joined the staff full time as a senior writer. Before Business News Daily, Chad spent nearly a decade as a staff reporter for the Daily Herald in suburban Chicago, covering a wide array of topics including local and state government, crime, the legal system and education. Chad has also worked on the other side of the media industry, promoting small businesses throughout the United States for two years in a public relations role. His first book, How to Start a Home-Based App Development Business, was published in 2014. He lives with his wife and daughter in the Chicago suburbs.

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