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Pros / 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 them by standard check and print them out yourself. You can also pay employees by direct deposit for an additional monthly fee. If none of those pay options work for your employees, you can pay them with a pay card. OnPay uses a third party for these cards, but it's a convenient way for employees to handle their paychecks.

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 can 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, this business online payroll service charges an additional fee per state.

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 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 charges a nominal 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.


OnPay's online payroll service offers many features and options to cover your payroll responsibilities. It includes 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. OnPay offers valuable payroll and tax services alongside great help and support.

Specifications and Benchmarks

Payroll Features

Payroll Reports
Export Payroll Reports
Payroll Deductions
PTO Accrual & Use Tracking
Employer Contributions
Wage Garnishments
Employee Online Self-Service
Mobile Access
Payroll Reminders

Tax Expenses

Tax Accuracy Guarantee
File Payroll Taxes
Pay Payroll Taxes
New Employee Reporting
W-2 & 1099 Processing

Help & Support

Affordable Care Act Support
Live Chat
Online Resources
24/7 Live Support
Dedicated Account Specialist

Payment Options

Unlimited Monthly Payrolls
Pay Hourly Employees
Pay Salary Employees
Pay Contracted Employees
Direct Deposit
Pay Cards
Print Checks on Site
Check Signing & Stuffing

Contracts & Fees

Monthly Cost
Additional State Tax Fee
No Contract