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Should I use OnPay?

Simplify your payroll services, taxes, HR and benefits. OnPay's top-rated online payroll services bring it all together. - onpay.com

Worth it. Strong buy for US small businesses that want payroll, tax filing, HR and benefits in one affordable tool. Skip it if you're a large enterprise with complex payroll admin or multi-country payroll needs.

Confidence

High. Based on ~50 public sources; review quotes were truncated in the source snippets.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support qualityNo independent support evidence in sources
  • Security posture

Pricing

$49/month + $10 per person

Payroll + HR

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed

Best for

  • US small businesses
  • Owners running payroll without an HR team
  • Teams bundling payroll, benefits and 401(k)
  • Accounting firms serving SMB clients

Not for

  • Large enterprises needing dedicated payroll admins
  • Companies running multi-country payroll
  • Guess: teams needing deep HRIS (performance reviews, applicant tracking)
  • Anyone wanting a free payroll tool

Gotchas - check before you buy

medium

Per-employee pricing climbs with headcount; $49 + $10/person adds up fast

medium

No free tier appears in any pricing source; budget from month one

low

Search carefully: 'OnPay.io' is a different payments company with its own CVEs

Pros and cons

Pros

  • Ranked #1 in G2's 2026 Summer Payroll Index
  • Named Best Online Payroll Service for Small Businesses by (2026)
  • Users consistently praise its cost and value
  • Flat $49 + $10/employee pricing, no plan tiers
  • Bundles payroll, taxes, HR and benefits in one product

Cons

  • No free tier advertised; you pay from employee one
  • Entry cost works out to roughly $59/month for a single employee
  • Built for growing small businesses, not enterprise complexity

Sources & method

Analyzed 9/30/2026 - 12 sources - OnPay.com publishes a security page (encryption, MFA); CVEs found for an unrelated similarly-named WooCommerce plugin, not the payroll product.

official x3review x5security x2news x2
  • CVE-2025-64638 – Missing Authorization (OnPay.io for WooCommerce), Affects the WooCommerce payment plugin by (Maxmel Tech), not payroll. CVSS 5.3; patched in plugin 1.0.48.

Key stats

  • Value for money: 4/5

    Rating

  • $49/month + $10 per person

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money: 4/5. Users praise cost; flat $49+$10 pricing
  • Ease of use: 5/5. Reddit users call it easy; simple setup
  • Feature depth: 4/5. Payroll, HR, benefits, 401(k), accounting integrations
  • Support quality. No independent support evidence in sources
  • Security posture: 4/5. Encryption and MFA published; CVEs affect unrelated plugin
  • 4.8/5 G2 rating #1 in G2's 2026 Summer Payroll Index
  • $49/mo + $10/person Starting price Single plan, all business types
  • 418+ G2 reviews Across OnPay's G2 profile
  • $100M+ Funding Raised January 2025

Pricing

Payroll + HR

$49/month + $10 per person

  • Full-service payroll with tax filing
  • HR and benefits administration
  • Same single plan for all business types

Security

OnPay.com publishes a security page (encryption, MFA); CVEs found for an unrelated similarly-named WooCommerce plugin, not the payroll product.

  • CVE-2025-64638 – Missing Authorization (OnPay.io for WooCommerce)Affects the WooCommerce payment plugin by (Maxmel Tech), not payroll. CVSS 5.3; patched in plugin 1.0.48.⁹

What users say

Small-business owners across G2, Capterra and Reddit consistently praise OnPay's price and simplicity, and it ranked #1 in G2's 2026 Summer Payroll Index.

“I like Onpay. Easy to us…”
Reddit, r/smallbusiness
“Try OnPay – it should sc…”
Reddit, r/Payroll
“Great Payroll Service F…”
Capterra review

Alternatives

Compare OnPay with each alternative.

  • Gusto

    Closest small-biz rival; compare on benefits depth

    OnPay vs Gusto

  • Run by ADP

    For scale and brand if you outgrow OnPay

  • Payroll by Wave

    Budget pick for tiny or pre-revenue teams

  • QuickBooks Payroll

    Guess: best if you already live in QuickBooks

Companies that use it

  • Willan Academy of Music
Full analysis

Based on ~50 public sources; review quotes were truncated in the source snippets.

Excellent small-biz payroll at $49 + $10/employee; #1 in G2's 2026 index. Wrong fit for enterprises or global payroll.

Methodology

Based on ~50 public sources; review quotes were truncated in the source snippets.

Sources

  1. OnPay, Inc. Products | Read 418 Reviews on G2g2.com
    review
  2. OnPay Reviews 2026: Details, Pricing, & Features - G2g2.com
    review
  3. OnPay ranked #1 in G2's 2026 Summer Payroll Indexonpay.com
    official
  4. OnPay Named Best Online Payroll Service for Small Businesses (business.com)businesswire.com
    news
  5. Full-service payroll for every business (pricing)onpay.com
    official
  6. OnPay Pricing Starts at $55 Per Monthonpay.com
    official
  7. OnPay Review: Robust, Flexible Payroll Processing - PCMagpcmag.com
    review
  8. OnPay Raises Over $100 Million in Fundingbusinesswire.com
    news
  9. CVE-2025-64638 Detail - NIST NVDnvd.nist.gov
    security
  10. OnPay.io for WooCommerce <= 1.0.47 - Missing Authorization (Wordfence)wordfence.com
    security
  11. Best Payroll Company for under 5 employees - Redditreddit.com
    review
  12. OnPay | Payroll + HR Reviews - Trustpilottrustpilot.com
    review

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