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Payroll · head to head

EnKash vs OnPay

EnKash logo

EnKash

Payroll

Indian corporate card and spend management platform holding an RBI prepaid payment instrument licence

From
On request
Rated
-
Full reviewWebsite
OnPay logo

OnPay

Payroll

Single-plan United States payroll with unlimited pay runs and support for awkward tax situations other providers avoid

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: EnKash it is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.; OnPay onPay operates only in the United States, so the first international hire means a second payroll vendor and a separate compliance model.
  • They diverge on capability: EnKash covers Corporate card ecosystem, OnPay covers Single plan.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which EnKash and OnPay actually diverge.

Attributes where EnKash and OnPay differ
AttributeEnKashOnPay
PlatformsWeb, iOS, AndroidWeb

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (Payroll).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in EnKash

  • Corporate card ecosystem
  • UPI-linked petty cash wallets
  • Real-time compliance controls
  • AI receipt management
  • PPI licence issuance
  • Expense management software

Only in OnPay

  • Single plan
  • Tax filing and payment
  • Vertical payroll support
  • Benefits brokerage
  • Workers compensation
  • Contractor payments
  • Basic HR tools
  • Accounting integrations

What people use each for

The jobs each tool is most often brought in to do.

EnKash

  • An Indian business replacing branch-level petty cash handling with UPI-linked digital walletsnot OnPay
  • A finance team wanting real-time merchant category restrictions on employee card spendnot OnPay
  • A company wanting tax-saving benefit cards issued alongside standard expense cardsnot OnPay
  • An enterprise wanting a prepaid card issuer with its own RBI licence rather than a reseller of a bank's licencenot OnPay

OnPay

  • A farm running agricultural payroll that needs Form 943 rather than the standard quarterly filingnot EnKash
  • A church or nonprofit with clergy compensation rules that mainstream providers decline to handlenot EnKash
  • A restaurant group needing tip credit and minimum wage make-up calculated correctly each pay periodnot EnKash
  • A small business that wants one price for payroll rather than a tiered plan it has to keep upgradingnot EnKash

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

EnKash

  • It is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.
  • Pricing is entirely unpublished, so a finance team cannot budget the platform before a sales conversation.
  • Holding its own PPI licence reduces reliance on a bank partner but does not remove regulatory risk entirely, since RBI rules on prepaid instruments and card issuance in India have changed materially in recent years and can change again.
  • As a full-stack ecosystem spanning cards, wallets and expense software, adoption benefits most companies that commit to most of the modules together, which raises switching cost once implemented.
  • Independent published benchmarks on uptime, dispute resolution speed and support responsiveness are thin compared with more established global spend platforms.

OnPay

  • OnPay operates only in the United States, so the first international hire means a second payroll vendor and a separate compliance model.
  • There is no native mobile application, only a responsive web interface, which employers with field or shift-based staff notice immediately.
  • The HR functionality is administrative and does not replace an HRIS, so performance, learning and any real workflow automation need another product.
  • Time and attendance is handled through integrations rather than natively, meaning hours arrive from a third-party system that has to be reconciled when it disagrees with payroll.
  • Reporting is functional but limited, and companies that want cost analysis by department, project or location generally export to a spreadsheet rather than build it in the product.

Pricing, plan by plan

EnKash

On request
  • EnKash$undefined/year
    • Pricing not published, quote based on card volume and modules
    • Corporate card, expense management and UPI wallet modules available separately or bundled

OnPay

On request
  • OnPay$undefined/month
    • One published plan combining a flat monthly base fee with a per person charge
    • No feature tiers, upgrades or add-on modules
    • Unlimited pay runs and multi-state filing included

Which should you pick?

Choose EnKash if

  • You need corporate card ecosystem.
  • You work on Web, iOS, Android.
  • You also want upi-linked petty cash wallets.
EnKash review

Choose OnPay if

  • You need single plan.
  • You also want tax filing and payment.
OnPay review

Questions people ask

Is EnKash or OnPay better?
Neither clearly leads. EnKash starts at On request and OnPay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EnKash or OnPay?
EnKash starts at On request and OnPay at On request.
Does EnKash or OnPay run on more platforms?
EnKash runs on Web, iOS, Android. OnPay runs on Web.
What is EnKash best used for?
EnKash is most often used for an indian business replacing branch-level petty cash handling with upi-linked digital wallets, a finance team wanting real-time merchant category restrictions on employee card spend, a company wanting tax-saving benefit cards issued alongside standard expense cards, an enterprise wanting a prepaid card issuer with its own rbi licence rather than a reseller of a bank's licence. Of those, an indian business replacing branch-level petty cash handling with upi-linked digital wallets and a finance team wanting real-time merchant category restrictions on employee card spend are not what OnPay is typically brought in for.
What can EnKash do that OnPay cannot?
EnKash covers Corporate card ecosystem, UPI-linked petty cash wallets, Real-time compliance controls, AI receipt management. OnPay covers Single plan, Tax filing and payment, Vertical payroll support, Benefits brokerage.

Answered from the vendors’ own pages

EnKash: Does EnKash operate outside India?

No, it is built for the Indian regulatory and payment rail environment specifically.

OnPay: How is OnPay priced?

As a single published plan with a flat monthly base fee plus a charge per person paid, with no feature tiers. Contractors are charged at the same per person rate as employees.

EnKash: What is a PPI licence and why does it matter?

It is a Reserve Bank of India licence to issue prepaid payment instruments; EnKash holding its own, obtained April 2025, means it depends less on a partner bank for card issuance.

OnPay: Does it handle payroll outside the United States?

No. It is US-only, in all fifty states, including multi-state filing at no extra cost.

EnKash: Is pricing published?

No, EnKash requires a sales conversation for pricing based on card volume and modules used.

OnPay: Why do farms and churches use it?

It supports Form 943 agricultural filing, clergy housing allowance and Social Security exemption rules, and 501(c)(3) nonprofit payroll, which several larger providers do not.

OnPay: Is there a mobile app?

No. Employers and employees use a responsive web interface, which is a genuine gap for shift-based workforces.

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