OnPay Payroll Pricing, Plans and Review (2026)
As of November 2026, OnPay costs $49 per month plus $6 per worker paid during the month. There is one plan. A 5-employee business pays $79 per month; 10 employees pay $109. W-2s, 1099s and multi-state filing are included. HR tools are a $15 + $2/worker add-on.
Prices verified November 2026 OnPay Payroll
OnPay pricing by plan
| Plan | Base / month | Per employee / month | What you get |
|---|---|---|---|
| Payroll Essentials | $49 | $6 | Full-service payroll, all 50 states, W-2s and 1099s included, unlimited runs |
| HR add-on | $15 | $2 | PTO, onboarding, org chart, document management |
| Time tracking add-on | $15 | $4 | Timesheets synced to payroll |
| Live HR support add-on | $75 | $0 | Certified HR advisors |
What OnPay costs at your headcount
| Employees | 1 | 5 | 10 | 25 | 50 |
|---|---|---|---|---|---|
| Payroll Essentials | $55 | $79 | $109 | $199 | $349 |
| HR add-on | $17 | $25 | $35 | $65 | $115 |
Billing: Flat monthly base plus per worker paid that month; unlimited runs. Contract: Month to month; first month free.
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Get my quotesBest for
Small businesses, farms, nonprofits and restaurants that want the lowest all-in price with no surprise fees, and free white-glove setup.
Not a fit for
Companies that need deep HR, IT or expense tools, or more than a few hundred employees.
Pros and cons
Pros
- 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
- Highest user-satisfaction scores of the major providers
Cons
- HR, time tracking and live HR support are paid add-ons
- Fewer integrations than Gusto or Rippling
- No PEO option
- Smaller company; less brand recognition with lenders
Support
Phone, chat and email with US-based staff; setup and data migration done for you
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- Prices verified November 2026
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Frequently asked questions
How much does OnPay cost?
As of November 2026, OnPay costs $49 per month plus $6 per worker paid during the month. There is one plan. A 5-employee business pays $79 per month; 10 employees pay $109. W-2s, 1099s and multi-state filing are included. HR tools are a $15 + $2/worker add-on.
Does OnPay charge for contractors?
Yes, contractors count as workers at $6 each in the month they are paid. If a contractor is not paid in a given month, you are not charged for them.
Is OnPay cheaper than Gusto?
At list price the two are identical on the entry tier ($49 + $6). OnPay includes multi-state payroll in that price, while Gusto requires its Plus plan ($80 + $12) for multi-state, so OnPay is cheaper for businesses with employees in more than one state.
Sources
- OnPay pricing page, read November 2026