OnPay
At a Glance
The run-it-yourself payroll leg of the back office; pair it with a bookkeeper for the rest.
- Pricing
- Subscription, $49/mo base plus $6 per worker; federal, state, and local tax filings and year-end W-2s and 1099s included with no filing surcharge; an accountant and bookkeeper partner program starts at $55/mo with revenue share. Verified on onpay.com/pricing, 2026-07-21.
- Best For
- A new owner who wants to run payroll and basic HR in-house rather than outsource the whole back office
- Roadmap Stages
- 6. Close & Transition the Business
Pros and Cons
Pros
- Transparent published pricing with federal, state, and local tax filings and year-end forms included, no filing surcharge
- Full-service payroll plus HR basics (onboarding, PTO, benefits, 401(k), workers' comp) and multi-state support, enough to run a small acquired business's people operations
- Integrates with QuickBooks and the accounting stack rather than forcing a separate silo
Cons
- Payroll and HR only, so it does not touch the bookkeeping or business tax-return work the other shelf entries cover; a new owner still needs those elsewhere
- Per-worker pricing scales with headcount, so a labor-heavy trades business pays more than a lean one
- Oriented heavily toward the accountant and bookkeeper partner channel, so direct-buyer onboarding gets less spotlight
What Searchers Say
A long-running, well-reviewed SMB payroll provider frequently cited alongside Gusto in small-business payroll comparisons; pricing and included tax filings verified on its own site.
Put It to Work
The First 100 Days sequences the handoff these providers plug into after close.