OnPay Pricing (2026)

OnPay starts at $40/mo + $6/person, which puts it in the middle of the pack for hr payroll. We score it 7.2/10 in our review. The real question for founders is whether the price matches the value, and that answer depends on which tier you pick and how big your team is.

The quick read on OnPay: Simple, affordable payroll without the feature bloat. OnPay charges one flat price ($40/mo + $6/person) and includes everything: payroll, tax filings, HR tools, and basic benefits. No tiers, no add-on pricing surprises. It's less flashy than Gusto but gets the job done at the same price with less complexity.

Here's what you actually get at each tier, and which plan fits your stage.

All-inclusive — $40/mo + $6/person

At $40 per user per month, All-inclusive is the real starting line for most paid hr payroll buyers. A 5-person team lands at $200/mo, a 10-person team at $400/mo. You get the core product, but expect feature caps that push you toward the next tier within 6-12 months of serious use.

OnPay's All-inclusive plan runs $40 per user per month. Here's what that looks like as your team grows:

These numbers assume list pricing on the All-inclusive tier. Annual prepay usually saves 15-20%, and enterprise seats often get volume discounts. Ask sales for a quote before you commit to more than 10 seats.

Every plan includes the core OnPay feature set. Here's what you get access to on paid tiers:

• Payroll
• Tax filings
• Onboarding
• PTO tracking
• Benefits (basic)
• HR documents

Feature depth grows with the tier. Entry plans cap on automation, integrations, or usage limits. Upper plans unlock the heavier features that mid-market teams actually need. Read the vendor's feature matrix before picking a tier, especially if one specific feature is the reason you're buying.

The most common pricing complaints buyers raise about OnPay:

• Fewer integrations than Gusto or Rippling
• Benefits options are more limited
• No international payroll

None of these are deal-breakers on their own. They're the things you want to negotiate or plan around before you sign a contract. The worst time to discover an add-on fee is month three.

Price alone is a bad way to pick tools. But it's a useful sanity check. Here's how OnPay's starting price lines up against the other hr payroll tools we rate:

If OnPay's sticker shock is real for you, run the math on the cheaper options in this table. Some of them cover 80% of what OnPay does at half the price. Others are meaningfully weaker and not worth the saving. Our category guide on best hr payroll breaks down the trade-offs in detail.

OnPay scores 7.2/10, which is a reminder that the price tag isn't the whole picture. You're paying $40/mo + $6/person for a product with real limitations, and the cons matter. Before committing, check the alternatives above. At this score, you need a specific reason to pick OnPay over the leaders in hr payroll.

The fit test is simple. OnPay is built for small businesses that want straightforward payroll without tiered pricing. If that's you, the pricing is worth it. If it's not, you'll end up paying for features you never touch while missing features you actually need. Buy the tool that fits your motion, not the one with the best pricing page.

The bottom line: OnPay's pricing is defensible if you actually use what it's good at. Its biggest strength is one price includes everything (no tiers or add-ons), and that's where the money goes. If that strength maps to a real pain point in your business, pay the price. If not, walk away and pick something cheaper.