OnPay review

Updated September 28, 2026 · ForgeCue Editorial Team · Facts checked September 26, 2026

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Our verdict

OnPay bundles payroll with its accounting tools and is aimed squarely at small businesses, so it suits firms that want pay handled in the same place as their books. The trade-off is entry cost: plans start at $49 and there is no free plan, only a free trial.

Key facts

Best for
Small businesses that want payroll covered inside their accounting software.
Price from
$49 (Source, checked September 26, 2026)
Free plan
No (Source, checked September 26, 2026)
Payroll
Included (Source, checked September 26, 2026)
Platforms
iOS (Source, checked September 26, 2026)
Audience
Small business
Pricing model
Free trial
Official website
onpay.com

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Payroll is included in the package rather than sold as a separate add-on
  • Aimed at the small business segment rather than large enterprises
  • Access is offered on a free trial basis, which suits teams that look before paying
  • An app for ios keeps pay runs and approvals away from the desk

Cons

  • There is no free plan, so testing stops when the trial ends
  • At $49, entry pricing runs higher than the typical payroll entry level of €21.40
  • Android is not among its listed mobile platforms (ios)
OnPay

Ready to try OnPay?

Scored 8.6 / 10 by ForgeCue.

Who it suits

  • Small businesses that want payroll and bookkeeping in the same product
  • Teams that want to test on a free trial before choosing a plan
  • Firms whose payroll work happens largely on ios devices

Who should look elsewhere

  • Buyers who want to start at no cost, where ANNA Money lists £0
  • Aspire shoppers, whose entry price is SGD 0
  • Readers working in a bigger budget range, since Billy starts at DKK 160

Intro and renewal prices

OnPay's entry price is $49, and there is no free plan, so the trial is the cheapest way in. Peers sit at £0 for ANNA Money, SGD 0 for Aspire and DKK 160 for Billy. Check the plan name attached to any renewal figure, since tiers can differ from the entry rate. Small businesses weighing payroll and accounting together start their budget from that figure.

How OnPay compares

Frequently asked questions

How much does OnPay cost to start with?+

OnPay's entry price is $49, which is the starting figure rather than a promotional rate. Small businesses should budget from that level and compare it with the wider payroll field before signing up.

Is there a free plan on OnPay?+

No, there is no free plan. OnPay's model is free trial, so teams can look over the product for a set period and then choose a paid plan. That suits readers who want to see payroll and accounting together first, though it means testing has an end point.

Does OnPay include payroll or sell it as an add-on?+

Payroll is included in the package, so it is not sold as a separate add-on. For small businesses that means pay runs and accounting sit under the same subscription, which is the main reason to pick OnPay over a standalone payroll tool.

Which devices can I run OnPay on?+

The OnPay Mobile app is listed for ios, so pay runs and approvals can be handled from an iPhone or iPad. Teams that work mainly on desktop or Android hardware should weigh that before signing up, since the listed platforms cover Apple devices.

Who is OnPay built for?+

OnPay is aimed at the small business segment, so the product is shaped for smaller companies rather than large enterprises. That fits owner-led firms and small teams that want payroll covered in the same place as their bookkeeping.

How does OnPay compare with peers that start free?+

ANNA Money lists £0 for entry and Aspire SGD 0, while OnPay starts at $49 with no free plan. Readers who want to begin at no cost should start with the free-entry pair; OnPay fits teams that want payroll bundled into accounting.

Where does OnPay sit on price among payroll tools?+

At $49 for entry, OnPay sits above the middle of the payroll field, where the typical entry level is €21.40. It ranks 153 of 200 brands on entry price, so small businesses should treat the budget as higher tier.

How should I think about renewal pricing?+

Entry pricing is $49, and renewal figures follow the plan you pick, so check the tier name on any renewal notice. Across the brands compared here, renewal pricing centres on €5.99, with the lower quartile at €3.50.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free trial length, Local compliance.

OnPay

OnPay

Small businesses that want payroll covered inside their accounting software.

8.6/10See alternatives