OnPay is one of the better single-business payroll platforms — transparent $49 + $6/employee pricing, accountant-friendly support, and a clean UX that most reviewers prefer to QuickBooks. They do offer a Partner discount for accountants (10% at 1–2 clients, 15% at 3–49, 20% at 50+), which we'll honor in the math below. Even with the 20% partner discount, the per-company base structure compounds across a multi-client book.
$12/client/mo flat ($10 annual). 5 employees included; $2/mo each beyond that.
$49/mo base + $6/employee per company. Accountant Partner: 20% off at 50+ clients = $39.20 base + $6/emp.
50 clients × 6 employees on OnPay Partner (20% off): $39.20×50 + $6×6×50 = $1,960 + $1,800 = $3,760/mo. Payrollix: ~$700/mo. Annual delta: ~$36,700.
| Feature | Payrollix | OnPay |
|---|---|---|
| Per-client flat pricing | $12/client | $49 base × N clients (20% off at 50+ via Partner) |
| Multi-client dashboard | Native | OnPay Partner portal |
| IRS e-filing | Direct MeF (ETIN 12374) | Via OnPay |
| W-2 / 1099 generation | Batch + 4-year S3 archive | Included |
| 50-state tax filing | ||
| Direct deposit (ACH) | Moov | Included |
| Same-day ACH | Agency+ plans | |
| Geofencing time tracking | Built-in | Integrations only (When I Work, QB Time) |
| Mobile app (iOS + Android) | Employee + client portals | Web-responsive only |
| Dedicated client portal | Shared with employee view | |
| Benefits marketplace | Roadmap | Integrated (health, 401(k), workers' comp, FSA, HSA) |
| Workers' comp pay-as-you-go | Roadmap | Integrated |
| Embedded 401(k) administration | Integrated (Guideline, Vestwell, others) | |
| HR module | Roadmap | $15 base + $2/employee add-on |
| Time in market / brand | New (2025) | Founded 2007; well-regarded in accounting circles |
| QuickBooks / Xero integration | Bidirectional | |
| Odoo / FreshBooks / Wave / Sage | Native | |
| Onboarding packet (8655 + state POAs) | One e-sign session | Piecemeal |
| API access | Agency+ | Limited |
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