Finance & PaymentsOnPay
Full-service payroll that handles compliance so you don't have to.
OnPay is a cloud-based payroll, HR, and benefits administration platform built for small and mid-sized businesses that need accurate, compliant payroll without the complexity or cost of enterprise HR software. It is most commonly adopted by founders, operations managers, and finance leads at companies with 1 to 100 employees who are running payroll themselves rather than through a PEO or a dedicated HR team. The core problem OnPay solves is the compliance risk and administrative burden of payroll across multiple states, where tax filings, withholding rates, and labor law requirements differ and change regularly. OnPay handles multi-state payroll, files and pays all federal, state, and local payroll taxes automatically, and provides W-2 and 1099 processing at year end. Unlike some payroll providers that charge per-feature, OnPay includes benefits administration for health insurance, 401(k), and workers compensation in a single flat monthly rate.
Founders, operations managers, and finance leads at small and mid-sized software companies who are handling payroll without a dedicated HR team or PEO. OnPay becomes the right choice when the team reaches the point where manual payroll is creating compliance risk or consuming enough time each pay period that a purpose-built tool clearly pays for itself.
First month free
Subject to partner eligibility criteria. Savings estimates reflect maximum potential value.
OnPayin depth.
Automated Payroll Tax Filing
OnPay calculates, withholds, and remits all federal, state, and local payroll taxes automatically and guarantees the calculations are correct. For a startup running payroll across multiple states, this removes one of the highest-risk areas of operational compliance without requiring a dedicated payroll specialist.
Multi-State Payroll Support
OnPay supports payroll across all 50 states for both W-2 employees and 1099 contractors from a single account. Software teams with distributed remote employees can run payroll without setting up separate state registrations through a third-party service.
Benefits Administration Integration
OnPay connects directly with health insurance, dental, vision, and retirement benefit providers so deductions are synced automatically with payroll. Teams can manage all employee benefit elections and changes in one place rather than reconciling between a separate benefits platform and the payroll system.
HR and Onboarding Tools
New hire onboarding, electronic offer letters, document storage, and PTO tracking are included in the platform without an additional module fee. A small ops team can collect all required new hire paperwork and get an employee set up in payroll in a single workflow.
Accounting Software Sync
OnPay integrates directly with QuickBooks, Xero, and FreshBooks to push payroll journal entries into the general ledger automatically. This eliminates the manual reconciliation step that otherwise takes an accountant or bookkeeper significant time every pay period.
OnPay integrates with QuickBooks Online, QuickBooks Desktop, Xero, and FreshBooks for accounting, as well as major health insurance carriers and 401(k) providers for benefits. It sits in the stack as the single payroll and HR administration layer, replacing the fragmented combination of spreadsheets, a benefits broker portal, and a separate accounting sync that most small teams start with.
Commonuse cases.
Running compliant payroll for a distributed remote team across multiple states
A 15-person startup with employees in seven states uses OnPay to handle the different tax withholding requirements, state unemployment filings, and local tax accounts in each location from a single platform. The founder stops worrying about missed state filing deadlines and incorrect withholding rates, which are among the most common and expensive payroll mistakes for fast-growing companies.
Transitioning from manual payroll or a legacy provider to automated payroll
An operations manager who has been running payroll via spreadsheets and manual ACH transfers migrates to OnPay to automate the entire process, including tax deposits and year-end forms. The time spent on payroll drops from several hours per pay period to under 30 minutes, and the risk of a calculation error is effectively eliminated.
Managing contractor and employee payroll in one place
A software agency that employs a mix of full-time W-2 engineers and 1099 contractors uses OnPay to run payroll for both groups from a single interface, with automatic 1099 generation at year end. The agency avoids maintaining two separate payment processes and keeps all compensation records in one system of record.
Three stepsto activate.
Check eligibility
Each partner maintains independent qualification criteria. We assess your profile and determine which offers you qualify for.
Schedule a briefing
Book a call with our partnerships team to discuss your stack requirements and walk through the activation process.
Activate credits
Once approved by the partner, credits are deployed to your account. Timelines vary by partner.
BearPlex maintains partnerships with leading technology providers to facilitate access to exclusive programs for our clients. All offers are subject to each partner's independent eligibility requirements, approval processes, and terms of service. Savings figures represent maximum potential value and may vary based on qualification, usage, and partner-specific criteria. BearPlex acts as a facilitation partner and does not guarantee approval or specific credit amounts. Offer availability and terms may change at the partner's discretion.
