OnPay Review

This online payroll service has a tax accuracy guarantee, so you won’t be liable for any mistakes.

CONS: If you want to pay your employees via direct deposit, you must pay an additional monthly fee.

VERDICT: OnPay is an easy and quick payroll service that helps you pay your employees accurately and on time.

OnPay is an online payroll service that covers much of what you should expect from a payroll solution. The company charges a flat fee per month for up to 10 employees and then a minimal fee per employee per month on top of that for additional employees.

The OnPay payroll service offers the option to pay employees in several different ways. You can pay your employees by standard check and print them out yourself. You can also choose to pay your employees by direct deposit for a fee of $8 per month. If none of those pay options work for your employees, you can opt to pay them with a pay card. You don’t have to pay additional fees to use pay cards, and your employees have little to no fees for a convenient way to get their paycheck.

You can use the online payroll software to calculate your payroll and review it before submitting. Not only do you have online access through your OnPay account, but your employees do too. They can access their pay stubs and other personal account info online.

With the OnPay payroll service, you are not bound by a long-term contract. If you decide that OnPay is not working for your business, you are free to cancel at any time without any penalties. Another positive about this payroll service company is that it lets you set up email reminders prior to your payroll deadline so you don’t forget to submit your payroll.

Along with its payroll management services, OnPay takes care of your year-end payroll tax filing and pays your payroll taxes. However, if you have employees in more than one state, OnPay charges an additional state fee of $10 per state. You also get peace of mind that your payroll taxes are accurate if OnPay files and pays them for you because the service is backed by a tax accuracy guarantee.

OnPay also handles your employees’ W-2 or 1099 forms if you had any contracted employees during the year. However, the company charges you a $3.75 fee per W-2 or 1099 plus shipping if you want that service. You can also have OnPay handle your new employee reporting, though it costs a $1 fee for each employee.

If you find yourself needing any help with your payroll or have any questions, you can contact OnPay easily by phone, email, live chat and an online contact form on its website. However, support is only available during business hours. The company also offers helpful FAQs on its site as well as a separate OnPay help desk site to answer basic questions and walk you through many features.

If you use accounting software already, such as QuickBooks or Sage 50 (formerly Peachtree), you can integrate your OnPay payroll with the software with no compatibility problems.


OnPay’s online payroll service offers many features and options to cover your payroll responsibilities. It includes accuracy-guaranteed tax filing and payment, although it charges a minimal fee for new employee reporting and the processing of W-2s and 1099 forms. Also keep in mind that this payroll solution charges a minimal monthly fee for direct deposit, but it offers the ability to print checks on site or use pay cards. Overall, OnPay offers valuable payroll and tax services alongside great help and support.

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