Head to head
OnPay vs QuickBooks Online
Both platforms are scored with the same methodology and the same category rubric. Nothing on this page is influenced by advertising.
54/100 | 70/100Higher score | |
|---|---|---|
| Category rank | #4 | #1 |
| Confidence | High confidence | High confidence |
| External Reputation | 86 | 80 |
| AI Authority | 37 | 73 |
| Web Authority | 25 | 57 |
| Expert Assessment | 55 | 62 |
| TOP10 User Score | — | — |
| Pricing | USD $49 base/month + $6 per worker (minimum $55/month for one worker) · free tier: Free first month; the 30-day free period begins after self-onboarding is completed and the bank account is verified. A free trial is also recorded on Capterra. | USD $38/month (Simple Start, 1 user; promo $3.80/mo for 3 months) · free tier: 30-day free trial, offered as an alternative to a 90%-off-for-three-months promotion |
| Pricing model | Subscription (base fee plus per-worker fee) | Subscription |
| Best for | US employers of roughly 1–50 workers, first-time employers, nonprofits and accounting firms running several small client payrolls, especially on a QuickBooks or Xero stack needing multi-state filing or 50-state benefits. | US small businesses of roughly 3-25 people that already need double-entry accounting — inventory, job costing, sales tax, an external accountant — and want invoicing to live in the same ledger. |
| Avoid if | You need international or multi-currency payroll, a broad integration ecosystem (ATS, expense, ERP), PTO and live HR advice inside the base price, mid-market/enterprise capability, or you have zero tolerance for a missed tax filing without an accountant independently watching agency notices. | You are a freelancer or solo operator who only sends invoices, you need batch invoice sending without paying $340/mo, or you require a firm all-in monthly cost including card-processing fees. |
| Markets | SMB, Accounting firms and bookkeepers, Nonprofits | SMB, Accountants |
| Founded | — | — |
| Headquarters | Atlanta, Georgia, United States | — |
A higher TOP SCORE means more of the evidence favours that platform on this methodology — it is not a recommendation, and it does not account for your specific requirements. Advertisers are never declared the winner of a comparison.