OnPay review

OnPay keeps payroll pricing to one line: Payroll Essentials costs $49 base plus $6 per worker each month, which works out to $55 for a single employee. That plan covers what many rivals split across tiers. OnPay files federal, state and local payroll taxes, including Forms 941 and 940, in all 50 states without extra cost, allows unlimited runs and multiple pay rates, and processes W-2 and 1099 forms at year end. It integrates with accounting software, 401(k) providers and workers' comp carriers so benefit deductions and premiums flow into payroll, and its support line covers phone, email and chat without limits. OnPay also lists industry setups for farms (Form 943), restaurants, nonprofits and healthcare. HR tools, compliance resources and time tracking are sold as add-ons, and its pricing page is built mostly for accounting partners, so expect to ask sales for the full add-on list. New customers get the first month free and free data migration.

Who it is for

Small and midsize employers that want one simple price with multi-state payroll and phone support included.

Price

Payroll Essentials $49 base plus $6 per worker per month; first month free.

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

Key features

• Automated federal, state and local tax filing, including Forms 941 and 940
• All 50 states included without extra cost
• Unlimited payroll runs and multiple pay rates
• Automated W-2 and 1099 processing at year end
• Integrations with accounting, 401(k) and workers' comp providers

Strengths and weaknesses

• Strength: Multi-state payroll does not cost extra
• Strength: Unlimited phone, email and chat support
• Strength: Free data migration and a free first month
• Weakness: HR tools and time tracking are paid add-ons
• Weakness: Pricing page is aimed at accounting partners, so plan details take digging
• Weakness: Fewer built-in benefit products than Gusto

Key facts

• Starting price: $49 base plus $6 per worker per month
• States covered: All 50, no extra fee
• Year-end forms: W-2 and 1099 processing included
• Support: Unlimited phone, email and chat
• Offer: First month free

Where it ranks

OnPay is No. 2 in our Best Payroll Software verdict.