What OnPay does

OnPay is a US-based cloud SaaS company, headquartered in Atlanta, Georgia, that provides integrated payroll, HR, and employee benefits administration software to small and medium-sized businesses. The platform serves over 25,000 customers across all 50 states with automated federal, state, and local payroll tax calculations and filings, multi-state payroll processing at no incremental cost, employee self-service, W-2 and 1099 contractor payments, and an accuracy guarantee. Two add-on modules extend the core payroll product: HRAutomate (HR) provides onboarding, document management, PTO tracking, org charts, and optional live HR support, while BenefitsExpert (Benefits) offers health, dental, and vision insurance, 401(k) plans through Vestwell and Betterment, pay-as-you-go workers' comp via ERGO NEXT, and other benefits — distributed in part through a wholly-owned subsidiary, OnPay Insurance Agency, LLC.

Underlying technology is a unified cloud database that powers a single dashboard across payroll, HR, and benefits, with a custom report designer exposing 50+ data points, native integrations to QuickBooks (Online and Desktop), Xero, TurboTax, and multiple time-tracking platforms, and lifetime employee self-service accounts that persist after separation. Product extensions are tightly bundled into the back-office ecosystem, including tax credit discovery (MainStreet), state/local tax registration (Middesk), compliance training (Traliant), labor law posters (PosterElite), and applicant tracking (JazzHR).

OnPay monetizes through a transparent per-seat subscription: $49 per month base fee plus $6 per paid worker per month for core payroll, with an HR add-on priced at $15 base plus $2 per worker. Workers not paid in a given month are not billed, multi-state payroll is included, and the first month is free. The go-to-market combines a product-led growth motion (self-serve signup, free setup and data migration, comparison content, top G2/PCMag/Capterra ratings) with inside sales support (9 AM-8 PM ET coverage), a consultative sales overlay for mid-sized accounts (50-500+ employees), and an accountant/bookkeeper partner program with a custom firm dashboard. Distribution is wholly domestic (United States), with no app store presence — the platform runs in the browser and is mobile-responsive. OnPay raised over $100 million in combined venture and debt financing in January 2025, led by Carrick Capital Partners with a $37 million debt facility from MC Credit Partners, and has remained an independent, privately held company since its founding in 1995.

Name

OnPay

Legal name

OnPay, LLC

Website

https://onpay.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

OnPay is a US-based cloud SaaS platform offering integrated payroll, HR, and benefits administration for small and medium-sized businesses. It serves over 25,000 companies across all 50 states with automated tax filing, multi-state payroll, and transparent per-seat pricing.

Ownership category

akta.pro rank

Product category

Payroll and HR Software

NAICS

Payroll Services (541214), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412)

SIC

Services-Prepackaged Software (7372), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Payroll Software & Payroll-as-a-Service (SaaS) (BPACAIAB)

akta.pro secondary industries

Payroll Tax Filing, Compliance & Regulatory Reporting (BPAAAHAB), Managed Payroll Services (Full-Service Payroll Outsourcing) (BPAAAHAA), Payroll & Employment Tax Services (BPAHABAD)

Keywords

• Payroll software
• HR management
• Benefits administration
• Tax filing automation
• Small business solutions

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Core Payroll Subscription: OnPay charges a base monthly fee of $49 plus $6 per person per month. This covers unlimited pay runs, automated tax filings and payments, employee self-service, built-in HR tools, and multi-state payroll at no additional cost. The HR add-on is available for $15 base + $2 per worker per month.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

OnPay provides a cloud-based SaaS platform that combines full-service payroll processing with built-in HR tools and integrated benefits administration for small and medium-sized businesses. The platform automates federal, state, and local tax calculations and filings across all 50 states, processes W-2 and 1099 workers, manages multi-state payroll, and offers employee self-service, custom reporting, and integrations with accounting, time-tracking, 401(k), and workers' comp partners.

Product overview

OnPay is a unified payroll, HR, and benefits platform for small and mid-sized businesses. The core product is Payroll software that provides full-service payroll processing with automated tax calculations, filings, and payments across all 50 states. Two primary add-on modules extend the platform: HR (HRAutomate) provides built-in human resources tools including onboarding, document management, PTO tracking, and org charts; Benefits (BenefitsExpert) offers integrated employee benefits administration including health insurance, 401(k) plans, and workers' comp. All three components share a unified database and can be purchased together or individually, with the HR and Benefits modules available as optional add-ons to the core payroll service. The platform serves 25,000+ small and medium-sized businesses and is available in all 50 states.

Differentiator

Problem solved

Functional benefit

Products and services

• Payroll Full-service payroll software that automates calculations, tax filings, and payments for W-2 employees and 1099 contractors. Handles multiple pay rates and schedules, garnishments, multi-state payroll across all 50 states, direct deposit, and built-in reporting for small and medium-sized businesses.
• HR (HRAutomate) Built-in HR add-on module providing employee document management, customizable templates, PTO requests and approvals, employee directories, org charts, and automated onboarding workflows. Optional compliance updates, live HR support, and HR template library available as add-ons for SMBs.
• Benefits (BenefitsExpert) Integrated employee benefits administration module offering health, dental, and vision insurance from top providers, 401(k) retirement plans through Betterment and Vestwell, workers' comp via ERGO NEXT, and HSA, FSA, and commuter benefits. Includes licensed broker support for plan selection and automated enrollment for SMBs.

Quantifiable outcome

• Over 94% of clients would recommend OnPay (2024 survey)
• +5 more outcomes

Named customers10 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• Betterment at WorkcoreTechnology or Integration · 23 June 2026OnPay has a payroll integration with Betterment at Work's 401(k) platform, enabling mutual clients to access Betterment's AI-powered retirement planning and cash management features directly through OnPay's payroll dashboard.
• RampcoreGTM or Marketing Partner · 5 May 2026OnPay and Ramp announced a strategic partnership in May 2026 to offer mutual clients exclusive benefits including discounted payroll services and a $500 bonus for switching platforms. The collaboration aims to streamline back-office operations by combining payroll and HR tools with Ramp's finance automation features. OnPay plans to sponsor Ramp's annual OnRamp conference in fall 2026.
• QuickBookscoreTechnology or IntegrationBest-in-class integration with QuickBooks Online and QuickBooks Desktop, allowing automatic synchronization of payroll data with custom item mapping and detailed journal entries in the general ledger.
• XerocoreTechnology or IntegrationIntegration with Xero accounting software enabling automatic payroll data sync with custom item mapping and detailed journal entries.
• VestwellcoreTechnology or IntegrationIntegration with Vestwell powering 401(k) retirement plans for over 350,000 businesses nationwide. Vestwell plans sync with OnPay payroll for automated contributions and plan administration.
• ERGO NEXT InsurancecoreTechnology or IntegrationIntegration with ERGO NEXT for workers' compensation insurance, offering pay-as-you-go workers' comp plans that update automatically with payroll data. ERGO NEXT is dedicated to small businesses.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Gusto: Gusto is the leading US SMB payroll, HR, and benefits SaaS platform serving small and medium-sized businesses. It directly competes with OnPay across core payroll, HR add-ons, and integrated benefits with a similar product-led GTM.
• Intuit QuickBooks Payroll: QuickBooks Payroll is Intuit's SMB payroll offering tightly bundled with QuickBooks Online accounting. It targets the same small-business buyer as OnPay and competes head-to-head on integrated accounting-payroll workflows.
• Patriot Software: Patriot Software provides affordable US payroll and HR software for very small businesses. Like OnPay, it focuses on transparent pricing, basic HR tools, and 50-state tax filing for micro-employers.
• Square Payroll (Block): Square Payroll (part of Block) is a US SMB payroll product with deep POS and payments integration. It overlaps with OnPay's restaurant/retail SMB segment, where tip and multi-location payroll requirements converge.

Broad incumbents

• ADP: ADP is the largest US payroll and HR services provider with a broad product portfolio spanning SMB (RUN Powered by ADP) to enterprise (Workforce Now). It competes with OnPay across the full SMB segment and increasingly in the mid-market.
• Paychex: Paychex is a major US payroll, HR, and benefits provider serving small and mid-sized businesses. Its Paychex Flex platform directly overlaps OnPay's payroll+HR+benefits bundle for the SMB and lower mid-market.
• Paylocity: Paylocity is a US cloud HR and payroll provider focused on mid-sized employers (50–2,000+). It competes with OnPay's emerging mid-market motion and offers deeper HR functionality than OnPay today.

Emerging players

• Rippling: Rippling is a fast-growing US HR, payroll, IT, and benefits platform that started SMB-focused and is moving up-market. Its broader HR/IT stack competes with OnPay's combined payroll+HR+benefits offering for growing customers.
• Justworks: Justworks is a US PEO offering payroll, benefits, HR, and compliance under a co-employment model. It overlaps with OnPay for SMBs wanting outsourced benefits and HR but competes via a fundamentally different employment model.
• Wave Payroll: Wave Payroll (part of H&R Block) targets the smallest US businesses with low-cost payroll tied to Wave's free accounting software. It competes with OnPay at the very-small end of the SMB market on price and accounting integration.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/onpay_payroll
• Facebookfacebook.com/OnPayInc
• LinkedInlinkedin.com/company/onpay-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OnPay