OnPay review

OnPay combines payroll, HR, benefits administration, and time tracking for businesses. Its homepage says the service automates payroll calculations, tax filings, and payments, including multi-state payroll and year-end filings. Employees can clock in on mobile devices, with hours and overtime imported into payroll.

For hiring, OnPay offers customizable onboarding workflows, eSignature templates, and personnel management tools. Benefits features cover online enrollment and administration for medical, dental, and vision plans. The company also lists live HR guidance by phone, chat, and email, plus integrations with accounting software, 401(k) providers, and HR and compliance tools.

OnPay says it provides free data migration for businesses switching providers. That may lower the work involved in moving payroll, but it does not remove the need to check employee records, tax setup, and filing responsibilities before a cutover.

The feature set covers more than running payroll: onboarding, benefits, time tracking, and HR support sit alongside tax filings and payments. That can reduce the number of separate systems a small business needs to coordinate. The pricing page also lists unlimited pay runs and schedules, federal, state, and local tax filings, and payroll in any number of states for Payroll Essentials.

The published price is straightforward to calculate: $49 per month plus $6 per worker. The pricing page lists a one-month free trial, and OnPay’s homepage says data migration is free. There is no annual rate listed, so we would compare using the monthly price rather than assume a discount for paying yearly.

• HR is listed at $15 base plus $2 per worker; HR with time tracking is $21 base plus $4 per worker.
• Time tracking alone is $15 base plus $4 per worker.
• Integrated benefits administration and integration are listed as free, though insurance premiums cost extra.

One Reddit user said OnPay was sufficient for a small staff and that support was responsive, though that account was from about three years ago. Treat that as one customer report, not a service guarantee.

The advertised base price is not the full bill once you add workers or optional services. Payroll Essentials is $49 monthly plus $6 per worker; HR and time tracking add their own base and per-worker charges. Health insurance, workers’ compensation, and 401(k) premiums depend on plan selections. The pricing page does not publish prices for Compliance Resources or Live HR Support, and it lists no annual rate. No employee cap is published in the published pricing details.

Tax support deserves particular scrutiny before switching. In one Reddit thread, a user alleged that a state tax lien followed unpaid taxes and said repeated calls and a support ticket had not resolved the issue. That is an individual account, not proof of a general failure, but it is a serious enough risk to ask OnPay how tax notices, missed payments, and escalations are handled—and who pays penalties if something goes wrong.

A separate garnishment discussion raised a more operational concern: one commenter said they were told OnPay did not provide check numbers, which complicated their Positive Pay process. Ask whether OnPay can support your bank controls and reporting needs before moving garnishments.

OnPay’s listed Payroll Essentials price is $49 per month plus $6 per worker. That means the bill rises with headcount; the pricing details don’t give a total for a specific team size. The plan includes unlimited pay runs and schedules, tax filings, year-end filings, and paying workers in any number of states. The pricing page shows monthly pricing, not an annual rate, and lists a one-month free trial.

HR and time tracking are add-ons, not included in the $49 base. HR costs $15 plus $2 per worker; HR with time tracking is $21 plus $4 per worker. Separate time tracking is $15 plus $4 per worker. Bundled HR is $71 plus $1 per worker, while bundled HR with time tracking is $81 plus $4 per worker. Those different base and per-worker charges make it worth comparing the full bill, not just the starting price. Benefits administration and integration are listed as free, but insurance, workers’ comp, and 401(k) premiums cost extra. Compliance resources and live HR support have no published price.

OnPay says it provides free data migration for businesses switching providers, but the available information doesn’t spell out what data is included, how long migration takes, or whether the service handles every historical record. Before signing, ask who prepares and checks payroll, tax, benefits, and employee data—and whether your team needs to fill gaps manually.

We also don’t have source information on OnPay’s export formats, cancellation process, or any data-retention limits. Get those details in writing before moving a live payroll. The published materials include no Reddit posts or comments, so we can’t responsibly say what tends to make users leave based on Reddit. For a useful exit check, ask OnPay how to export payroll and employee records, what happens to tax documents after cancellation, and whether benefits or time-tracking data can be transferred. Compare those answers with your current provider before switching; free migration helps with the move in, but it doesn’t establish how easy a move out will be.