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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    OnPay

    Score8.5 out of 10
    N/AOnPay's payroll and HR is designed for people who want to spend more time running their business, and less on back-office tasks. The application aims to enable users to: • Run payroll • Automate taxes • Track time and attendance • Let employees do more themselves • Simplify HR processes • Offer benefits in any state OnPay starts at $49 plus $6 per person each month. The monthly fee includes integrations with QuickBooks and Xero and time-tracking software, as…

    $49

    per month +$6 per month, per person

    Xero

    Score8.4 out of 10
    N/AXero is an online accounting software product for small businesses and personal finance. Its features beyond general ledger and double-bookkeeping include quotable invoicing, bank reconciliation, purchase order and expense management, and tax management. Third party apps can extend its features further.

    $13

    per month

    Pricing
    OnPayXero
    Editions & Modules
    No answers on this topic
    Early
    $13
    per month
    Growing
    $37
    per month
    Established
    $70
    per month
    Offerings
    Pricing Offerings
    OnPayXero
    Free Trial
    YesYes
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    NoNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional DetailsFirst month free, then $49 + $6 per employee each month.Prices in table are in USD and just apply to the US - other markets & prices are listed below: Canada - Starter $18 CAD/month, Standard $45 CAD/month, Premium 5 $58 CAD/month UK - Starter £14/month, Standard £28/month, Premium £36/month AU - Starter $29 AUD/month, Standard $59 AUD/month, Premium 5 $76 AUD/month NZ - Starter $31 NZD/month, Standard $66 NZD/month, Premium $84 NZD/month
    More Pricing Information
    Community Pulse
    OnPayXero
    Considered Both Products
    OnPay
    Chose OnPay
    Paychex is buggy, has a ton of hidden fees and costs twice as much.
    Incentivized
    Chose OnPay
    OnPay is far superior. I would not recommend Gusto. It was a problem from the start. After only a few months we realized Gusto was unable to provide us with a payroll service we could use. Switching to OnPay has been an excellent move. With Gusto it was one major problem after …
    Incentivized
    Chose OnPay
    Onpay was a "no-brainer" . Implementation, training, and ROI, exceeded all the other platforms we reviewed. Plus their customer support is excellent. You always know who you're working with. Really appreciated all the help we received implementing clients, and great customer …
    Incentivized
    Xero
    Chose Xero
    They used to be better but recently have gone downhill.
    Incentivized
    Key User Insights
    Would buy again
    99%
    Would buy again
    69 Answers
    93%
    Would buy again
    160 Answers
    Delivers good value for the price
    99%
    Delivers good value for the price
    69 Answers
    94%
    Delivers good value for the price
    153 Answers
    Happy with the feature set
    99%
    Happy with the feature set
    69 Answers
    93%
    Happy with the feature set
    160 Answers
    Lived up to sales and marketing promises
    99%
    Lived up to sales and marketing promises
    68 Answers
    94%
    Lived up to sales and marketing promises
    131 Answers
    Implementation went as expected
    100%
    Implementation went as expected
    69 Answers
    99%
    Implementation went as expected
    149 Answers
    Features
    OnPayXero
    Payroll Management
    Comparison of Payroll Management features of OnPay and Xero
    Feature
    OnPay
    9.3
    70 Ratings
    12% above category average
    Xero
    7.5
    73 Ratings
    1% below category average
    Pay calculation9.766 Ratings8.065 Ratings
    Benefit plan administration8.926 Ratings8.023 Ratings
    Direct deposit files9.764 Ratings7.249 Ratings
    Salary revision and increment management8.749 Ratings7.141 Ratings
    Reimbursement management9.733 Ratings7.054 Ratings
    Customization
    Comparison of Customization features of OnPay and Xero
    Feature
    OnPay
    -
    Ratings
    Xero
    8.0
    169 Ratings
    6% above category average
    API for custom integration00 Ratings7.979 Ratings
    Plug-ins00 Ratings8.1156 Ratings
    Security
    Comparison of Security features of OnPay and Xero
    Feature
    OnPay
    -
    Ratings
    Xero
    7.1
    213 Ratings
    14% below category average
    Single sign-on capability00 Ratings5.572 Ratings
    Role-based user permissions00 Ratings8.7211 Ratings
    Reporting & Analytics
    Comparison of Reporting & Analytics features of OnPay and Xero
    Feature
    OnPay
    -
    Ratings
    Xero
    8.3
    241 Ratings
    6% above category average
    Dashboards00 Ratings8.3237 Ratings
    Standard reports00 Ratings8.9239 Ratings
    Custom reports00 Ratings7.9212 Ratings
    General Ledger and Configurable Accounting
    Comparison of General Ledger and Configurable Accounting features of OnPay and Xero
    Feature
    OnPay
    -
    Ratings
    Xero
    8.3
    251 Ratings
    8% above category average
    Accounts payable00 Ratings7.9229 Ratings
    Accounts receivable00 Ratings8.1234 Ratings
    Cash management00 Ratings7.7217 Ratings
    Bank reconciliation00 Ratings8.6244 Ratings
    Expense management00 Ratings7.8224 Ratings
    Time tracking00 Ratings6.387 Ratings
    Fixed asset management00 Ratings7.7152 Ratings
    Multi-currency support00 Ratings7.9149 Ratings
    Multi-division support00 Ratings7.4129 Ratings
    Regulations compliance00 Ratings8.3131 Ratings
    Electronic tax filing00 Ratings8.6134 Ratings
    Self-service portal00 Ratings7.7153 Ratings
    Global Financial Support00 Ratings7.884 Ratings
    Primary and Secondary Ledgers00 Ratings7.881 Ratings
    Intercompany Accounting00 Ratings10.040 Ratings
    Localizations00 Ratings10.039 Ratings
    Journals and Reconciliations00 Ratings10.090 Ratings
    Enterprise Accounting00 Ratings10.033 Ratings
    Configurable Accounting00 Ratings10.059 Ratings
    Centralized Rules Framework00 Ratings6.033 Ratings
    Standardized Processes00 Ratings8.059 Ratings
    Inventory Management
    Comparison of Inventory Management features of OnPay and Xero
    Feature
    OnPay
    -
    Ratings
    Xero
    6.3
    119 Ratings
    14% below category average
    Inventory tracking00 Ratings7.1115 Ratings
    Automatic reordering00 Ratings6.224 Ratings
    Location management00 Ratings6.229 Ratings
    Manufacturing module00 Ratings6.016 Ratings
    Order Management
    Comparison of Order Management features of OnPay and Xero
    Feature
    OnPay
    -
    Ratings
    Xero
    7.3
    89 Ratings
    1% below category average
    Pricing00 Ratings10.062 Ratings
    Order entry00 Ratings10.056 Ratings
    Credit card processing00 Ratings6.358 Ratings
    Cost of goods sold00 Ratings6.366 Ratings
    Order Orchestration00 Ratings6.121 Ratings
    End-to-end order visibility00 Ratings6.124 Ratings
    Order exception Resolution00 Ratings6.117 Ratings
    Best Alternatives
    OnPayXero
    Small Businesses
    Patriot Payroll
    Score8.6 out of 10
    QuickBooks Self-Employed (discontinued)
    Score4.2 out of 10
    Medium-sized Companies
    APS
    Score5.7 out of 10
    MYOB
    Score8.3 out of 10
    Enterprises
    ADP Streamline Payroll
    Score6.1 out of 10
    Microsoft Dynamics GP
    Score5.4 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    OnPayXero
    Likelihood to Recommend
    8.5
    (70 ratings)
    8.3
    (266 ratings)
    Likelihood to Renew
    9.3
    (7 ratings)
    4.7
    (38 ratings)
    Usability
    8.9
    (41 ratings)
    8.3
    (192 ratings)
    Availability
    9.1
    (1 ratings)
    3.1
    (12 ratings)
    Performance
    9.1
    (1 ratings)
    8.0
    (10 ratings)
    Support Rating
    7.9
    (41 ratings)
    5.6
    (40 ratings)
    In-Person Training
    -
    (0 ratings)
    9.1
    (1 ratings)
    Online Training
    -
    (0 ratings)
    10.0
    (6 ratings)
    Implementation Rating
    9.7
    (4 ratings)
    7.6
    (13 ratings)
    Configurability
    9.1
    (1 ratings)
    8.1
    (3 ratings)
    Contract Terms and Pricing Model
    9.1
    (1 ratings)
    -
    (0 ratings)
    CPA Rating
    -
    (0 ratings)
    9.1
    (10 ratings)
    Ease of integration
    9.1
    (1 ratings)
    7.4
    (150 ratings)
    Product Scalability
    9.1
    (1 ratings)
    7.0
    (8 ratings)
    Vendor post-sale
    9.1
    (1 ratings)
    6.5
    (4 ratings)
    Vendor pre-sale
    9.1
    (1 ratings)
    6.5
    (4 ratings)
    User Testimonials
    OnPayXero
    Likelihood to Recommend
    OnPay
    OnPay works for me as a small business owner. It streamlines HR, Payroll and Employment Tax Filings - and it can be helpful in exploring benefit options with integrated partners. We run payroll for both of our companies through OnPay and haven't had any issues. The employees find it easy to use on their end, as well. The OnPay representatives are extremely proactive and communicate updates/changes in a very timely manner. If you have a substantial number of employees, it may be more efficient to look elsewhere due to cost.
    Incentivized
    Read full review
    Xero
    The only time I wouldn't be suggesting it is to consultants or solopreneurs. I think it's too overwhelming unless you are experienced or have a background related to finance. So it's not that the product isn't powerful, it's that it can be too powerful. For all other size businesses it really is what you need to use to make life simple to track everything in your business. It definitely saves me time by having it all in one place and not multiple spreadsheets etc
    Incentivized
    Read full review
    Pros
    OnPay
    • Communication - From my first call I was so impressed at the level of care and compassion OnPay expressed. I was assigned specific employees who were available in the sign up process to walk me through each step and to answer all my questions. I know some of my questions were probably "stupid" but OnPay never minded answering them and I was always treated with respect.
    • On Boarding - The nightmare I had experienced with a competitor became a dream with OnPay. They said if I would authorize them to sign onto my account they would take care of the sign up process. And they did!!! They also did it correctly. All of the numbers and information was error free. The only information I was required was input was direct deposit bank information.
    • Resolving an Issue - I have only had one issue that needed to be resolved. The person I talked to had to check with another person for an answer but she stayed on the line with me to make sure the problem was resolved. Then I received a follow up email outlining exactly what action they had taken.
    • Ease of using the website - I can find what I am looking for! I like the verification code. And every time I sign on to my account the red heart by our company name makes me smile.
    Incentivized
    Read full review
    Xero
    • The bank feed integration makes reconciling transactions easy
    • Once you load a template for your invoices, every client gets a professional looking invoice
    • Bill paying and tracking of payments is also easy; you load your bill into Xero, pay it through the bank, and when the transaction is completed it comes through on bank feeds. If you need to query when a bill was paid, it is all there in Xero
    Incentivized
    Read full review
    Cons
    OnPay
    • You can add additional additions or benefit items such as a car allowance. The process required me to contact a representative as that wasn't as easy to navigate.
    • The process for handling additional withholdings for pre-payed taxes required support to ensure the calculations were accurate.
    • Process for on-boarding is a little tricky if you don't start the process from the point of hire. You can add various things easily but it reflects differently in terms of completion of an Employee file.
    Read full review
    Xero
    • Having different email addresses for different parts of a customer's business (eg invoices and statements to different places)
    • Easily seeing the text of emails that have been sent through Xero
    • More easily archiving old pay items. Our HR software updates rates when awards are updated which means a lot of old pay rates are in the system and they have multiple clicks to archive each one. Clicking the ones to archive in bulk and then just click archive for all would be much more efficient.
    Incentivized
    Read full review
    Likelihood to Renew
    OnPay
    We have used OnPay for a few years now and we do continue to renew our annual use of OnPay. We are only a small organization and although OnPay provides a lot of additional services that larger organizations might ind useful, OnPay still meets our limited requirements of running bi-weekly payroll and submitting our quarterly state and federal tax documents, and at a price that we still find affordable.
    Incentivized
    Read full review
    Xero
    In addition to the matters covered in this review, my reason for renewing this product is that Xero's functionality and the constant updates that the company provides, makes the software even more business friendly. The software therefore builds a brand loyalty among customers.
    Read full review
    Usability
    OnPay
    For a one geography business in a larger metro area not planning to expand tax geographies or do anything other than the same-ol, same-ol, then I think OnPay is great. Their biggest issue is tax support responsiveness - it's simply unacceptable yet they seem to not be concerned about it at all.
    Read full review
    Xero
    As a standalone software, it allows users to fulfill most of the basic functions (e.g. transaction input and report generation) simply and conveniently. It also allows for multiple APIs to help augment various tasks that accounting-adjacent (e.g. claims processing). The cloud based model and portability to mobile devices allows tasks to be carried out in a more convenient way.
    Read full review
    Reliability and Availability
    OnPay
    OnPay immediately responds to any of my inquiries.
    Incentivized
    Read full review
    Xero
    We have been actively using and 100% Xero based for our ecommerce accounting practice for over 4 years. There has on been one real outage for more than 5 minutes. Xero was open and transparent about the outage, what they were doing to resolve the issue, and provided 15 minute updates. Showing how they care about their customers and partners. Plus, showing that their customers care too, were understanding, and went surfing or in our case took a nap. Couldn't run our business without Xero as a partner.
    Read full review
    Performance
    OnPay
    No complaints on OnPay's integration with Xero.
    Incentivized
    Read full review
    Xero
    On a good day, things worked but after upgrades, things began to slow and or not work at all at times. I coined the moving circle while I waited as the "Xero Wheel of Death". Sometimes it never stopped and force quitting was necessary.
    Incentivized
    Read full review
    Support Rating
    OnPay
    As mentioned previously, I appreciate the Chat feature and have used it several times. I've also used the help database and found it wonderful. And I've had many email support interactions. Every time I've interacted with many individuals from the support team including...(who has helped me a number of times). The interactions have been professional and courteous and extremely helpful. Often they're able to resolve my problems and questions very quickly. OnPay has provided great support to our team here at Strike Visuals.
    Incentivized
    Read full review
    Xero
    Always respond and keep issues open until you are satisfied with the result. Generally good responses, in the past, I had some support responses that were really basic and really annoying. They type where "have your tried restarting your computer" style of answers. Well, of course, I went through all the basics before contacting them. Duh, but I suppose not everyone does. Otherwise, it would be a 10. The last year has shown a marked improvement in the support responses however.
    Read full review
    In-Person Training
    OnPay
    No answers on this topic
    Xero
    The format was great; someone was there to ask questions or help if you were stuck.
    Incentivized
    Read full review
    Online Training
    OnPay
    No answers on this topic
    Xero
    All of Xero's training is online and available for anyone (business owner or accountants) to learn and become experts in their system. There is a range of content from product training to real world webinars from their partners. Xero is beautiful accounting software and their training is the same.
    Read full review
    Implementation Rating
    OnPay
    Easy to implement and easy to convert any other payroll reports to the OnPay system when making the switch
    Incentivized
    Read full review
    Xero
    If it can be done, time the implementation near a new fiscal year so you can start clean. Otherwise, you have to go back and do historical data from the beginning of the fiscal year, which can be brain draining.
    Incentivized
    Read full review
    Alternatives Considered
    OnPay
    OnPay is tremendously less expensive and technically superior to Quickbooks in my opinion. OnPay is less expensive and offered the ease of managing a restaurant payroll that was better in my opinion than When I Work. My experience when evaluating all of the payroll products that I felt the company could afford was that OnPay had a superior staff of professionals who knew their product and could explain how to use it most clearly.
    Incentivized
    Read full review
    Xero
    Each of the products I listed had their own list of drawbacks, but the one thing they all had in common, which was right on top of that list of drawbacks, was ease of use. I struggled to get myself accustomed to each system and struggled, but when it came to getting a client to even try and use it was when the true struggle started. Just found it easier to make use of Xero from the very beginning.
    Read full review
    Scalability
    OnPay
    OnPay works.
    Incentivized
    Read full review
    Xero
    I have yet to fully stress test the product given the size of the company where I am using it. I am sure as we scale to more customers, more vendors and more reporting requirements, I will have a better understanding of what it is capable of in terms of bandwidth and processing
    Incentivized
    Read full review
    Return on Investment
    OnPay
    • Cut our payroll fees by more than half of what was being paid to CPA firm
    • Save time in dealing with CPA firm for payroll returns and filing
    • Could easily generate various payroll related reports..even from the past....this was not possible with the CPA firm previously used
    Incentivized
    Read full review
    Xero
    • Xero is a basic accounting system that performs basic accounting tasks easily and accurately. For that, it provides a positive impact on our day to day accounting operations.
    • Because of Xero's basic structure, I feel it lacks some of the sophistication that some users want and need. The ability to create unique custom reports would enhance the impact Xero would have on meeting business objectives by providing current and useful accounting information.
    • In my opinion, Xero's lack of focus on their customers - their users - is a real issue with me. In my opinion, those of us that are in the trenches that work with the system on a daily basis have to deal with the shortcomings of the system with the knowledge that Xero support refuses to address the operational issues that make their user's lives difficult. I feel if Xero would focus on truly making their software better from a users point of view, it has the potential to be a great system.
    Read full review
    ScreenShots

    OnPay Screenshots

    Screenshot of full-service payrollScreenshot of multiple pay rates and schedulesScreenshot of employee self-onboarding and org charts, which are built-inScreenshot of an e-signable offer lettersScreenshot of calendars, where PTO is managed and approvedScreenshot of centralized finances, viewed with over 20 reports for analyzing employment-related expenses

    Xero Screenshots

    Product screenshotProduct screenshotProduct screenshotProduct screenshotProduct screenshotProduct screenshot