How Much Does OnPay Cost in 2026?

OnPay and Gusto Simple cost exactly the same: $49 base + $6 per person. A 20-person team pays $169/mo on either one. A 50-person team pays $349/mo on either one. The math is identical. So the decision comes down to what each dollar buys you. OnPay includes everything in that one price — payroll, tax filing, benefits admin, onboarding, contractor payments. No Plus tier at double the per-person cost, no Premium tier behind a sales wall. Gusto, by contrast, locks PTO management, team directories, and workforce costing behind the Plus plan at $80 + $12/person. That 50-person team goes from $349 on Gusto Simple to $680 on Gusto Plus. OnPay stays at $349. The 30-day free trial is the longest on this page. BambooHR gives you 7 days. Gusto, Rippling, and Paychex give you zero. A month is enough time to import your employee data, run at least one real payroll cycle, and know whether the product works for you. So what's the catch? Two things. First, no time tracking. Every other product here either includes it or offers it as an add-on. OnPay doesn't have it at all — you'll need a separate tool like TSheets or Clockify, plus an integration to sync hours. Second, 40 integrations is the smallest ecosystem in this comparison by far. Gusto has 250+, Rippling has 500+. If your accounting software or benefits provider isn't in OnPay's list, you're looking at manual data entry or CSV exports. There's also no API, which means your dev team can't build custom automations. Gusto has an API. Rippling has an API. BambooHR has an API. OnPay doesn't. OnPay is perfect for a US small business that wants honest pricing, doesn't need time tracking built in, and runs a standard software stack. It's the Toyota Camry of payroll — not flashy, not cheap, but exactly what it promises to be.