OnPay Review – Forbes Advisor – Forbes Advisor


OnPay offers an easy way to manage a business’s payroll, which is one of the reasons Forbes Advisor named it the best payroll service for small businesses. Its dashboard is well designed and easy to navigate. It is a cloud-based platform, so you can easily pay employees or contractors by logging into your account from any browser, including from a mobile phone.


There are no plan tiers with OnPay – you pay a base rate and then a flat rate per person on your payroll or in your business. The base rate is $36 per month, then you pay $4 per person, so OnPay for a company with 100 employees would cost $436 per month. As you lose or gain employees, you pay a little less or more. OnPay doesn’t offer a traditional free trial, but if you sign up for the service, you’ll get the first month free. Use those first 30 days to test everything out and see if it’s right for your business.

Payroll functions

The features you can expect from OnPay include a variety of tools to help you pay your employees easily and quickly. There are no limits to payroll cycles, so you can set up payroll schedules for part-time, full-time, and contract workers, or run payroll on a different day to account for holidays. You can pay by check, debit card or direct deposit. OnPay does not offer a same-day or next-day direct deposit guarantee, but it does have a four-day maximum on deposits.

Tax functions

Much of the tax process is automated with OnPay. Employees can register themselves in the self-service employee portal, including their tax exemptions or deductions. OnPay automatically deducts what is needed and, at the end of the tax year, it files the taxes for your business. Tax documents are available to employees in the portal.

HR features

In addition to payroll processing, OnPay offers several HR tools. You can send offer letters and collect electronic signatures from the OnPay app without using third-party software. OnPay also offers customizable checklists, so you can help new hires complete their onboarding tasks quickly and ensure nothing gets overlooked. Paid time off (PTO) tracking and approval is also built-in, making it easy to request employees and approve managers from the app.


There are several integrations available for OnPay. For example, you can connect QuickBooks or Xero to OnPay to sync payroll data with your ledgers. You can also integrate a time-tracking app, such as QuickBooks Time (formerly known as TSheets), Deputy, or When I Work.

Customer service

OnPay is decidedly easy to set up and use, but if you get stuck or have a question, you have several options to seek help from customer support. There’s a Help Center with guides for each OnPay tool, as well as handy GIFs and walkthroughs. You can also contact someone by email anytime or by phone from 9 a.m. to 8 p.m. ET on weekdays.


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