The definitive payroll and HR platform for small businesses and accountants, combining simplicity with enterprise-grade tax filing.
OnPay is a high-performance, cloud-native payroll and HR management platform positioned in 2026 as the premier choice for SMBs requiring robust tax compliance and multi-state functionality without the complexity of enterprise suites like Workday. Technically, OnPay's architecture is built on a highly available cloud infrastructure that handles complex tax engine calculations across 50+ jurisdictions simultaneously. Its core value proposition lies in its 'all-inclusive' pricing model, which eliminates the tiered feature-gating common in competitors like Gusto or ADP. The platform integrates deeply with accounting ecosystems such as QuickBooks and Xero, utilizing bi-directional data syncing to ensure general ledger accuracy. By 2026, OnPay has expanded its automated tax filing engine to include proactive compliance monitoring, using machine learning to detect payroll anomalies before filing deadlines. The interface focuses on UX efficiency, allowing administrators to run payroll in under two minutes while maintaining strict data integrity for both W-2 employees and 1099 contractors.
OnPay is a high-performance, cloud-native payroll and HR management platform positioned in 2026 as the premier choice for SMBs requiring robust tax compliance and multi-state functionality without the complexity of enterprise suites like Workday.
Explore all tools that specialize in automate payroll processing. This domain focus ensures OnPay delivers optimized results for this specific requirement.
Explore all tools that specialize in multi-state tax filing. This domain focus ensures OnPay delivers optimized results for this specific requirement.
OnPay takes 100% responsibility for the accuracy of federal, state, and local tax filings and payments.
Calculates and pays taxes in all 50 US states with no additional surcharge per state.
Digital enrollment for health, dental, and vision insurance directly within the payroll workflow.
Permanent digital portal for employees to access pay stubs and tax forms even after leaving the company.
System automatically notifies state agencies of new hires as required by law.
Integration with financial wellness tools allowing employees to access earned wages before payday.
Deep API integration with QuickBooks Online, Xero, and FreshBooks for real-time ledger updates.
Company Profile Setup - Enter EIN and legal business address for jurisdictional tax mapping.
Bank Account Verification - Link business account via Plaid or micro-deposit for ACH funding.
State Tax ID Configuration - Input state-specific withholding and unemployment account numbers.
Employee Data Import - Upload bulk employee/contractor data via CSV or manual entry.
Historical Payroll Entry - Input year-to-date totals to ensure accurate tax capping and W-2s.
Pay Schedule Definition - Set frequency (Weekly, Bi-weekly, Semi-monthly) and first check date.
Integration Mapping - Connect QuickBooks or Xero and map payroll categories to the Chart of Accounts.
Benefits Sync - Configure health insurance or 401(k) deductions and employer contributions.
Security Configuration - Enable Multi-Factor Authentication (MFA) for all administrative users.
Run Trial Payroll - Execute a 'dry run' to verify calculation logic and ledger entries.
All Set
Ready to go
Verified feedback from other users.
"Users consistently praise OnPay for its transparent pricing and ease of use, particularly for multi-state businesses. Some note the lack of a native administrative mobile app as a minor drawback."
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