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Payroll · head to head

OnPay vs Paycom

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
Paycom logo

Paycom

Payroll

HR and payroll technology led by employees

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: OnPay onPay operates only in the United States, so the first international hire means a second payroll vendor and a separate compliance model.; Paycom no public API and no transparent integration capabilities
  • They diverge on capability: OnPay covers Single plan, Paycom covers Payroll.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which OnPay and Paycom actually diverge.

Attributes where OnPay and Paycom differ
AttributeOnPayPaycom
FoundedUnknown1998

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web), 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 OnPay

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

Only in Paycom

  • Payroll
  • Time and Attendance
  • HR Management
  • Talent Acquisition
  • Talent Management
  • Learning Management
  • Microsoft 365
  • Google Workspace

What people use each for

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

OnPay

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

Paycom

  • Payroll processing with employee self-verification through Betinot OnPay
  • Time and attendance tracking with schedulingnot OnPay
  • Talent acquisition and onboardingnot OnPay
  • Benefits and compliance administrationnot OnPay
  • Automated time-off decisions through GONEnot OnPay

Where each one falls short

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

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.

Paycom

  • No public API and no transparent integration capabilities
  • Limited integrations with third-party ATS, LMS, or performance tools
  • Custom pricing makes cost forecasting difficult
  • Proprietary system philosophy limits flexibility compared to more open platforms
  • Does not support global payroll and benefits

Pricing, plan by plan

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

Paycom

On request
  • Standard$undefined/month
    • Payroll
    • Time and Labor
    • HR Management

Which should you pick?

Choose OnPay if

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

Choose Paycom if

  • You need payroll.
  • You also want time and attendance.
Paycom review

Questions people ask

Is OnPay or Paycom better?
Neither clearly leads. OnPay starts at On request and Paycom at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, OnPay or Paycom?
OnPay starts at On request and Paycom at On request.
Does OnPay or Paycom run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is OnPay best used for?
OnPay is most often used for a farm running agricultural payroll that needs form 943 rather than the standard quarterly filing, a church or nonprofit with clergy compensation rules that mainstream providers decline to handle, a restaurant group needing tip credit and minimum wage make-up calculated correctly each pay period, a small business that wants one price for payroll rather than a tiered plan it has to keep upgrading. Of those, a farm running agricultural payroll that needs form 943 rather than the standard quarterly filing and a church or nonprofit with clergy compensation rules that mainstream providers decline to handle are not what Paycom is typically brought in for.
What can OnPay do that Paycom cannot?
OnPay covers Single plan, Tax filing and payment, Vertical payroll support, Benefits brokerage. Paycom covers Payroll, Time and Attendance, HR Management, Talent Acquisition.

Answered from the vendors’ own pages

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.

Paycom: Does Paycom offer a free trial?

No. Paycom does not offer a free trial. Pricing depends on company size and modules and requires a custom quote.

Source
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.

Paycom: Can Paycom integrate with third-party tools?

Paycom has no public API and fewer than 50 integrations. Paycom's philosophy is that you should use their built-in modules for everything. Custom integrations require commercial partnership approval.

Source
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.

Paycom: What are Paycom's core features?

Paycom is a single-database payroll and HR platform featuring custom reporting tools, org chart visualization, employee self-service portal, and a tax center dashboard for compliance management.

Source
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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