# OnPay

OnPay is a flat-rate payroll and HR platform for small businesses rated 4.8/5 on G2 and 4.8/5 on Capterra. Pricing is $49/mo + $6/employee, tax filing included.

**Category:** Flat-rate payroll and HR for small businesses  
**Vendor:** OnPay, Inc.  
**Founded:** 2011 (reported by Crunchbase and other sources; some third-party aggregators list 2009)  
**HQ:** Atlanta, Georgia, US  
**Website:** https://onpay.com  


## About

OnPay is a payroll, HR, and benefits platform built for small and mid-sized businesses in the US. The company is based in Atlanta and is best known for a single, flat-rate pricing model that includes full-service federal, state, and local tax filing at every tier, rather than gating tax filing behind a higher-priced plan the way some competitors do. OnPay serves businesses with complex payroll situations, including multi-state employers, agricultural operations, and nonprofits, alongside the more typical small business customer. The platform bundles HR add-ons such as onboarding, PTO tracking, and benefits administration, with health insurance available in most states through OnPay's licensed brokerage. As of its January 2025 funding announcement, OnPay reported serving more than 25,000 small and medium-sized businesses across the country.

## Ratings

| Source | Score | Reviews |
|---|---|---|
| G2 | 4.8/5 | 422 |
| Capterra | 4.8/5 | 469 |
| Gartner Peer Insights | N/A/5 | insufficient data |

## Funding

Over $100M total (equity plus debt facility, as of January 2025)

| Round | Amount | Date | Lead |
|---|---|---|---|
| Series A | $6M | 2016 | Individual investors |
| Series B (equity) | $63M | Jan 2025 | Carrick Capital Partners, with AB Private Credit Investors and existing investors |
| Debt facility | Undisclosed (part of the $100M+ total) | Jan 2025 | MC Credit Partners |

## Viability

Low to moderate risk. OnPay raised a substantial Series B plus debt facility in January 2025, which points to continued investment in product and go-to-market rather than a wind-down. The company is privately held and does not publish revenue or profitability figures, so outside visibility into its financial health is limited to what investors and the company disclose in press releases. OnPay's flat-rate model and inclusion of full tax filing at every tier has been a stable differentiator for several years, and recent award wins from review sites suggest the product continues to hold up well against larger, better-funded competitors like Gusto and Rippling.

## Pricing

OnPay's base Payroll Essentials plan is $49 per month plus $6 per paid employee per month, and this single rate includes full federal, state, and local tax filing, unlimited pay runs, and year-end W-2 and 1099 filings for every customer, not just a higher tier. HR and Time Tracking are priced as separate add-ons layered on top of the base fee, and Benefits (health insurance, workers' comp, 401(k)) integrate at no added platform fee beyond the premiums themselves. Third-party sites occasionally cite an older $36 or $40 base figure; the current published rate on OnPay's own pricing page is $49.

| Plan | Price | Best for |
|---|---|---|
| Payroll Essentials | $49/mo + $6/employee/mo | Small businesses wanting full-service tax filing included at the base price, no HR add-ons needed |
| HR add-on | +$15/mo + $2/employee/mo | Businesses wanting onboarding, PTO tracking, and HR document management layered on top of payroll |
| Time Tracking add-on | +$15/mo + $4/employee/mo | Businesses wanting OnPay-native time clock features instead of relying solely on third-party integrations |
| Bundled HR + Time Tracking | $81/mo + $4/employee/mo | Businesses wanting payroll, HR, and time tracking consolidated under OnPay at a bundled rate |

## What reviewers say

_~406 G2 reviews at 4.8/5 and ~469 Capterra reviews at 4.8/5, plus TrustRadius review themes_

**Praised:**
- Customer support is the single most repeated positive, with reviewers describing hands-on onboarding help, including a guided call to run the first payroll, and responsive phone and chat support afterward
- The flat, transparent pricing with no up-sell tiers for tax filing draws consistent praise, especially from reviewers who switched from a provider with hidden fees or surprise renewal increases
- Handling of multi-state payroll, agricultural employer rules, and nonprofit-specific needs comes up often from reviewers in those niches, who say OnPay handles edge cases competitors miss
- Ease of setup and day-to-day use is cited frequently, with reviewers describing the interface as straightforward for non-accountants

**Complaints:**
- The mobile app is the most consistent complaint, with reviewers describing it as less polished and more limited than the desktop experience
- Reviewers who want more built-in HR depth, like advanced scheduling or a native time clock, note that OnPay leans on third-party integrations rather than owning those features itself
- A minority of reviewers say the overall cost feels high relative to competitors once add-ons like HR or time tracking are layered on top of the base plan
- Some reviewers want more customization in reporting and want a faster or more guided employee self-onboarding flow

## Compliance

- **SOC 2:** Yes (SOC 2 Type II, per OnPay's security page)
- **GDPR:** Not specified
- **HIPAA:** Not specified
- **SSO:** Not specified

## Integrations

- QuickBooks Online
- QuickBooks Desktop
- Xero
- QuickBooks Time
- When I Work
- Deputy

## FAQs

### How much does OnPay cost?

OnPay's Payroll Essentials plan is $49 per month plus $6 per paid employee per month. This flat rate includes federal, state, and local tax filing, unlimited pay runs, and year-end W-2 and 1099 filings. HR and Time Tracking are optional add-ons priced separately on top of the base plan.

### Does OnPay offer a free trial?

OnPay advertises one month free after a business completes self-onboarding and verifies its bank account. Check OnPay's pricing page directly for current trial terms, since third-party sites don't always match the live offer.

### Does OnPay include tax filing at every price tier?

Yes. Unlike some competitors that reserve full-service tax filing for a higher-priced tier, OnPay includes federal, state, and local payroll tax filing in its single base plan, with no separate tier required.

### Does OnPay support multi-state and agricultural payroll?

Yes. OnPay is frequently cited by reviewers for handling multi-state employer payroll and agricultural employer tax rules, along with nonprofit-specific payroll needs, which are areas some competitors handle less smoothly.

### Is OnPay a good fit for businesses that need HR tools beyond payroll?

OnPay offers HR add-ons for onboarding, PTO tracking, and benefits administration including health insurance brokerage in most states. Reviewers note the HR feature set is solid but not as deep as some competitors, and the mobile app is generally considered weaker than the desktop experience.


## Sources

- [G2: OnPay reviews](https://www.g2.com/products/onpay/reviews): rating 4.8/5, 406 reviews
- [Capterra: OnPay](https://www.capterra.com/p/167109/OnPay/): rating 4.8/5, ~469 reviews, sub-scores, demographics
- [TrustRadius: OnPay reviews](https://www.trustradius.com/products/onpay/reviews): score and review count vary across cached snapshots (8.6-9.9/10); not verified live, listed without a specific score
- [OnPay pricing page](https://onpay.com/pricing/): Payroll Essentials $49/mo + $6/employee; HR, Time Tracking, and bundled add-on pricing confirmed
- [OnPay security page](https://onpay.com/security): SOC 2 Type II compliance claim, AES-256 encryption at rest, TLS 1.2 in transit
- [BusinessWire: OnPay Raises Over $100 Million in Funding](https://www.businesswire.com/news/home/20250107239308/en/OnPay-Raises-Over-%24100-Million-in-Funding): Jan 2025 Series B ($63M equity, Carrick Capital Partners) plus debt facility (MC Credit Partners), 25,000+ customers
- [Carrick Capital Partners: OnPay Raises Over $100 Million in Funding](https://www.carrickcapitalpartners.com/onpay-raises-over-100-million-in-funding): funding round structure and use of funds
- [Crunchbase: OnPay](https://www.crunchbase.com/organization/onpay): founder/CEO Jesse Burgess, funding stage, HQ Atlanta
- [Hypepotamus: Atlanta-based OnPay Raises $6M Series A](https://www.hypepotamus.com/tag/mark-mckee/): Series A $6M from individual investors
- [OnPay help center: accounting and time tracking integrations](https://help.onpay.com/hc/en-us/articles/360045622812): QuickBooks Online/Desktop, Xero, QuickBooks Time, When I Work, Deputy integrations confirmed