OnPay review

OnPay ranks third mainly on value. Its Payroll Essentials plan costs $49 a month plus $6 per worker, the same entry point as Gusto, and its HR tools are listed as an add-on at $15 base plus $2 per worker, with bundles for HR and time tracking together. The HR features are aimed squarely at owners doing HR themselves: you send offer letters and paperwork from the app, new hires e-sign and enter their own direct deposit details, and you assign onboarding tasks such as computer setup. PTO policies with custom accruals sync to payroll, document templates collect e-signatures, and org charts build themselves as people are added. OnPay also handles new hire reporting in your state. The trade-off is depth: there is no performance management or broad module catalog like Rippling's, and benefits and time tracking are separate line items. For a small team that wants payroll and tidy HR paperwork at a low monthly bill, it is hard to beat.

Who it is for

Small businesses that want low-cost payroll with simple HR tools added for a few dollars per worker.

Price

Payroll Essentials $49 a month plus $6 per worker; HR add-on listed at $15 base plus $2 per worker.

Payroll Essentials $49 base + $6/worker
Quoted from the vendor pricing page on November 6, 2026.

Key features

• Offer letters and new hire paperwork sent from the app
• Employee self-onboarding with e-signatures and direct deposit setup
• Custom PTO accrual policies that sync to payroll
• Document templates with e-signatures stored in employee records
• Automatic org charts and employee rosters

Strengths and weaknesses

• Strength: HR add-on is cheap per worker compared with standalone HR systems
• Strength: New hire reporting handled in your state
• Strength: Tasks and checklists for onboarding steps
• Weakness: HR, time tracking and benefits are priced as add-ons
• Weakness: Fewer modules than Rippling or BambooHR
• Weakness: Its pricing page is built around a calculator, so plan details take a few clicks

Key facts

• Starting price: $49 a month plus $6 per worker
• HR add-on: $15 base plus $2 per worker
• Time tracking add-on: $15 base plus $4 per worker
• Setup: Free data migration

Where it ranks

OnPay is No. 3 in our Best HR Software for Small Business verdict and No. 2 in Best Payroll Software for Small Business.