OnPay vs Rippling: Pricing and Features Compared (2026)
At 10 employees, OnPay lists around $109 per month versus about $120 for Rippling at entry tier, a difference of $11 per month, as of November 2026. OnPay publishes its prices; Rippling quotes. OnPay is the better fit when: small businesses, farms, nonprofits and restaurants that want the lowest all-in price with no surprise fees, and free white-glove setup. Rippling is the better fit when: fast-growing companies (roughly 20 to 1,000 employees) that want payroll, benefits, device management and expenses in one system, including global hires.
Prices verified November 2026
Price at a glance
| OnPay | Rippling | |
|---|---|---|
| Entry plan | Payroll Essentials | Platform (required) |
| Base fee / month | $49 | $40 |
| Per employee / month | $6 | $8 |
| 1 employee | $55 | $48 |
| 5 employees | $79 | $80 |
| 10 employees | $109 | $120 |
| 25 employees | $199 | $240 |
| 50 employees | $349 | $440 |
| Pricing published? | Yes, fully | No, quote only |
| Billing | Flat monthly base plus per worker paid that month; unlimited runs | Per employee per module; annual contracts are standard |
| Contract | Month to month; first month free | Annual; quote-based |
| Support | Phone, chat and email with US-based staff; setup and data migration done for you | Chat and email; dedicated CSM on larger accounts |
Quote-only providers shown as estimates from publicly reported quotes. See each provider page for the estimate basis.
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Get my quotesFeatures
| Feature | OnPay | Rippling |
|---|---|---|
| Federal & state tax filing | Yes | Yes |
| Unlimited payroll runs | Yes | Yes |
| Multi-state payroll | Yes | Yes |
| 1099 contractors | Yes | Yes |
| Health benefits | Yes | Yes |
| HR tools | add-on | Yes |
| Time tracking | add-on | add-on |
| Same-day deposit | No | Yes |
| PEO option | No | Yes |
| Mobile app | Yes | Yes |
Choose OnPay if
Small businesses, farms, nonprofits and restaurants that want the lowest all-in price with no surprise fees, and free white-glove setup.
Choose Rippling if
Fast-growing companies (roughly 20 to 1,000 employees) that want payroll, benefits, device management and expenses in one system, including global hires.
OnPay strengths and weaknesses
- Single $49 + $6 plan includes multi-state, year-end forms and unlimited runs
- Free setup and migration from your old provider
- Industry-specific payroll for restaurants, farms, nonprofits and churches
- HR, time tracking and live HR support are paid add-ons
- Fewer integrations than Gusto or Rippling
- No PEO option
Rippling strengths and weaknesses
- Everything (HR, IT, finance, global payroll) runs off one employee record
- Best-in-class automation and workflow engine
- Global payroll and employer-of-record in the same platform
- Must buy the platform before you can buy payroll
- Modular pricing means the real number is 2 to 4x the advertised $8
- Annual contracts only
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- Prices verified November 2026
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Frequently asked questions
Is OnPay or Rippling cheaper?
At list price for 10 employees, OnPay is cheaper by about $11 per month (published price). Promotions and negotiation can change the result; get written 12-month quotes.
Which is easier to use, OnPay or Rippling?
OnPay is generally rated easier for owners who run payroll themselves. Rippling leans on human support and setup help instead.
Can I switch from OnPay to Rippling?
Yes. Most providers migrate your employee data and year-to-date totals for free. Switching at a quarter boundary is cleanest. See our guide to switching payroll providers.
Sources
- OnPay pricing page, read November 2026
- Rippling pricing page, read November 2026