Sq. Payroll and OnPay are high payroll software program options for impartial enterprise house owners, solopreneurs, small companies and a few midsize companies. Whereas neither supplier is especially scalable — they every provide one plan solely — each payroll merchandise are moderately priced with a full suite of options that may assist rising companies onboard and pay high expertise.
Really useful Different: Gusto SPONSOREDWant payroll software program with extra options than Sq. and extra third-party integrations than OnPay? Think about trying into Gusto. Its non-compulsory worldwide contractor plan expands your entry to a worldwide workforce whereas its distinctive worker advantages choices assist your enterprise keep aggressive. |
Paycor
Workers per Firm Measurement
Micro (0-49), Small (50-249), Medium (250-999), Massive (1,000-4,999), Enterprise (5,000+)
Micro (0-49 Workers), Small (50-249 Workers), Medium (250-999 Workers)
Micro, Small, Medium
Options
API, Examine Printing, Doc Administration / Sharing, and extra
Sq. Payroll vs. OnPay: Comparability desk
| Sq. Payroll | OnPay | Gusto (sponsored) | |
|---|---|---|---|
| Beginning base value | $0/mo.* | $40/mo. | $40/mo. |
| Beginning per-payee value | $6/payee/mo. | $6/payee/mo. | $6/payee/mo. |
| Free trial | None listed | 30 days | None listed |
| Multi-state payroll | With worker plan | Sure | With higher-priced plans |
| Advantages administration | With worker plan | Sure | Sure |
| Cellular payroll app | Sure | No | No |
| Subsequent-day direct deposit | With worker plan | No | With higher-priced plans |
| Our star score | 4.2 out of 5 | 4.7 out of 5 | 4.6 out of 5 |
| Be taught extra | Go to Sq. | Go to OnPay | Go to Gusto |
*Applies to contractor-only payroll plan. Full-service worker payroll plan begins at $35 per 30 days.
Plan and pricing knowledge updated as of two/14/2024.
Sq. Payroll vs. OnPay: Pricing
Sq. Payroll’s pricing
Sq.’s payroll service has two payroll plans solely: One for paying contractors and one for paying each contractors and staff.
Sq. Full-Service Payroll prices $35 per 30 days plus $6 per worker or contractor paid. The plan contains Sq. Payroll’s full slew of payroll options, together with the next:
- Limitless multi-state payroll runs, together with off-cycle runs.
- Two-day, four-day and next-day direct deposit.
- Self-guided worker onboarding with self-service portal.
- Timecard import (through Sq. POS or the Sq. Staff App).
- State unemployment insurance coverage tax administration.
- HR useful resource library entry.
- Advantages administration.
Sq.’s contractor-only payroll service prices simply $6 per contractor paid per 30 days. You’re solely charged for the contractors you pay every month, not for the whole variety of contractors in your roster.
The contractor-only payroll plan has notably fewer options than Sq.’s full-service plan — which is sensible, as enterprise house owners typically want fewer instruments to handle contractor pay. The plan does nonetheless embody payroll instruments like primary contractor onboarding and prompt pay entry through the Sq. Money app.
To be taught extra about Sq. Payroll and see its full listing of options, learn our in-depth Sq. Payroll evaluation.
OnPay’s pricing
OnPay’s full-service payroll plan prices $40 per 30 days plus $6 per contractor or worker paid. Not like Sq. Payroll, OnPay doesn’t have separate plans for contractor and worker payroll administration. And in distinction to OnPay’s high rivals, OnPay itself doesn’t have a number of plans with expanded characteristic lists that companies can scale as much as as they rent extra staff. What you see on OnPay’s listing of options is strictly what you get.
Nevertheless, it’s value noting that OnPay’s single payroll plan contains extra options for no extra price than simply about another payroll service does. At that one-employee beginning value of $46 per 30 days, OnPay contains the next payroll options:
- Limitless multi-state payroll runs.
- Wage garnishment.
- State unemployment insurance coverage tax administration.
- Customized reporting.
- Self-guided worker onboarding.
- Automated state new-hire reporting.
- Customized PTO coverage creation with in-app time-off requests and approvals.
To be taught extra about OnPay and see its full listing of options, learn our complete OnPay evaluation.
Sq. Payroll vs. OnPay: Function comparability
Full-service payroll
Winner: Tie
Sq. Payroll and OnPay are equally glorious payroll instruments for getting your staff paid on time. Each payroll software program corporations routinely calculate federal and state payroll taxes, withhold them and remit them to the right tax company. Additionally they allow you to automate different paycheck deductions (reminiscent of medical insurance premiums) and to pay your staff through direct deposit.
That stated, every software program supplier has distinctive payroll options that may profit various kinds of corporations. When attempting to decide on the correct payroll service for you, think about these distinctive instruments.
| Sq.’s distinctive payroll options | OnPay’s distinctive payroll options |
|---|---|
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Worker scheduling and time-tracking
Winner: Sq. Payroll
The simplest solution to pay hourly staff and keep away from payroll calculation errors is selecting a payroll program that syncs with time-tracking software program to precisely generate staff’ paychecks primarily based on their hours labored. When you join Sq. Payroll, you possibly can invite staff to the Sq. Groups App, which they will use to clock out and in and request day off. That knowledge will routinely replace in Sq. Payroll, the place you can even generate time-clock studies, import suggestions and create schedules.
In distinction, OnPay syncs with third-party time-tracking instruments like QuickBooks Time, Deputy and After I Work so you possibly can precisely pay hourly staff, nevertheless it lacks a built-in time-tracking resolution of its personal. Equally, you possibly can’t use OnPay to schedule shifts with out integrating a third-party instrument.
Nevertheless, you should use OnPay to create customized PTO insurance policies, monitor PTO, and submit and approve time-off requests.
Worker advantages and advantages administration
Winner: Tie
Each Sq. Payroll and OnPay embody built-in advantages administration. Not like suppliers who cost an additional service price to combine worker advantages with payroll software program, Sq. and OnPay allow you to combine advantages at no cost, so that you shouldn’t pay for something moreover the coverage itself.
HR instruments
Winner: OnPay
OnPay and Sq. Payroll have a few of the identical HR instruments in widespread, together with worker onboarding and computerized compliance alerts. Each corporations additionally embody entry to a primary HR library with templates and tips that may assist you to keep legally compliant.
Nevertheless, OnPay finally affords extra HR instruments than Sq.. With OnPay, you’ll get e-signature capabilities, in-app provide letters, customizable personnel checklists, built-in HR doc templates with cloud-based doc storage, a searchable firm listing and extra.
SEE: Payroll Providers Comparability Software (TechRepublic Premium)
Sq. Payroll does have two non-compulsory add-on HR companies that OnPay doesn’t provide: An worker handbook wizard and entry to licensed HR specialists. Each companies price an extra price.
Third-party integrations
Winner: OnPay
Whereas some Sq. merchandise sync with a variety of third-party merchandise, Sq. Payroll itself solely integrates natively with QuickBooks On-line. OnPay doesn’t combine with many third-party apps — particularly in comparison with standard options like Gusto and Paychex — nevertheless it does sync with extra suppliers than Sq. Payroll, reminiscent of the next:
- QuickBooks On-line, QuickBooks Desktop and QuickBooks Time.
- Xero.
- Deputy.
- After I Work.
- Mineral.
- PosterElite.
Sq. Payroll professionals and cons
Sq. Payroll’s professionals
- No base price for contractor-only payroll.
- Elective medical insurance advantages in all 50 states.
- Wonderful integration with Sq.’s full product suite.
- Business-specific options reminiscent of direct-tip monitoring.
Sq. Payroll’s cons
- One full-service plan solely (restricted scalability).
- Integrations are restricted to QuickBooks On-line and Sq. merchandise solely.
- Extra charges for some HR instruments, together with worker handbook entry.
- Buyer assist out there over the cellphone and thru dwell chat (weekdays solely).
OnPay professionals and cons
Execs of OnPay
- Free account migration and setup.
- Utterly complete full-service payroll options.
- No extra price for multi-state payroll runs.
- Elective well being and dental advantages in all 50 states.
- No service charges for integrating well being advantages, 401(okay) accounts or employees’ compensation insurance coverage.
- Full suite of small-business-friendly HR instruments, together with compliance audits, customized PTO coverage creation, org charts, personnel checklists and extra.
- Reside cellphone, chat and e mail assist on weekdays with as-needed email-based emergency assist on weekends.
Cons of OnPay
- One full-service plan solely (restricted scalability).
- Restricted third-party integrations in comparison with rivals like Gusto, Paychex and ADP.
- No cell payroll app for employers.
- Time-tracking out there via third-party integrations solely.
- No autopilot payroll characteristic.
Ought to your group use Sq. Payroll or OnPay?
On the entire, it’s onerous to go unsuitable with both Sq. Payroll or OnPay. With each payroll corporations, new employers and one-employee companies will profit from low pricing, totally featured plans and user-friendly interfaces.
Nevertheless, if you happen to’re having a tough time selecting between the 2 payroll companies, we’ve got particular suggestions that may assist you to make up your thoughts.
Select Sq. Payroll if . . .
- You pay contractors solely.
- Affordability is your high consideration by way of selecting a payroll supplier.
- Cellular payroll entry for your self and your workforce members is crucial to your enterprise.
- You already use Sq. POS, the Sq. Money App or Sq. Groups as a part of your day by day enterprise operations.
- As an alternative of complete all-in-one payroll and HR software program, you’re joyful sticking with separate payroll and HR options.
Select OnPay if . . .
- You need the no-fuss, no-frills simplicity of a single payroll plan.
- You don’t need to pay additional for multi-state payroll.
- You desire a hands-on customer support expertise that features white-glove setup, knowledge migration and integration help.
- You’re employed in a distinct segment business and like payroll software program that may be tailor-made to your distinctive wants.
Methodology
Each time attainable, we join free trials to get hands-on expertise with the software program we evaluation. We additionally view guided demos, attain out on to gross sales representatives, analysis product specs and think about enter from verified customers on third-party evaluation websites just like the App Retailer, Google Play and Gartner Peer Insights.
To calculate star rankings, we assess payroll manufacturers primarily based on their pricing, payroll options, ease of use and customer support. Our knowledgeable reviewer’s first-hand expertise utilizing and researching the software program additionally components into our last star score rating.
To be taught extra, learn our software program evaluation methodology.
Incessantly requested questions
Can Sq. be used for payroll?
Sure, Sq. can be utilized for payroll if you happen to join Sq.’s standalone payroll product, Sq. Payroll. Sq. Payroll is mostly thought-about payroll resolution for companies that need full-service payroll software program to pay contractors, staff or a mixture of each kinds of employees.
Can you employ Sq. Payroll with out utilizing Sq. Level of Sale?
Sure, you should use Sq. Payroll with out utilizing Sq. Level of Sale. Nevertheless, integrating Sq. POS or Sq. Groups with Sq. Payroll is the simplest solution to automate payroll processing to rapidly pay your hourly staff and contractors.
