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Payroll · head to head

OnPay vs PayFit

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
PayFit logo

PayFit

Payroll

Native payroll and HR for small and mid-sized companies in a small number of European countries

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.; PayFit coverage is limited to a handful of European countries and the company withdrew from Germany in 2023, so any buyer with expansion plans should assume the country they need next will not be supported.
  • They diverge on capability: OnPay covers Single plan, PayFit covers Native payroll engine.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which OnPay and PayFit actually diverge.

Attributes where OnPay and PayFit differ
AttributeOnPayPayFit
PlatformsWebWeb, iOS, Android

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 OnPay

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

Only in PayFit

  • Native payroll engine
  • Statutory filing
  • Payslip generation
  • Time off management
  • Expenses
  • Employee records
  • Automated variable pay
  • Accounting export

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 PayFit
  • A church or nonprofit with clergy compensation rules that mainstream providers decline to handlenot PayFit
  • A restaurant group needing tip credit and minimum wage make-up calculated correctly each pay periodnot PayFit
  • A small business that wants one price for payroll rather than a tiered plan it has to keep upgradingnot PayFit

PayFit

  • A French company of 50 people leaving a payroll bureau that charges per payslip and returns work slowlynot OnPay
  • A Spanish or Italian employer that needs payroll calculated in-country rather than routed through an intermediarynot OnPay
  • A UK subsidiary of a European group that wants payroll on the same platform as the parent where the country is supportednot OnPay
  • A finance team that wants payroll journals exported directly into the local accounting system without manual mappingnot 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.

PayFit

  • Coverage is limited to a handful of European countries and the company withdrew from Germany in 2023, so any buyer with expansion plans should assume the country they need next will not be supported.
  • There is no employer of record capability, so hiring one person in an unsupported country means adding a separate vendor and a separate employment model.
  • The HR modules cover time off, expenses and records but do not replace an HRIS, and companies with performance, learning or ATS requirements will run PayFit alongside another system.
  • Pricing is quoted per country as a platform fee plus a per employee charge, which makes cross-border cost comparison awkward and means a small subsidiary can carry a disproportionate fixed cost.
  • The product is built for small and mid-sized employers, and companies past a few hundred employees report hitting limits in complex collective agreement handling and in bulk data correction workflows.

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

PayFit

On request
  • PayFit$undefined/year
    • Monthly platform fee plus a charge per paid employee
    • Pricing differs by country of employment
    • Payroll calculation and statutory filing

Which should you pick?

Choose OnPay if

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

Choose PayFit if

  • You need native payroll engine.
  • You work on Web, iOS, Android.
  • You also want statutory filing.
PayFit review

Questions people ask

Is OnPay or PayFit better?
Neither clearly leads. OnPay starts at On request and PayFit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, OnPay or PayFit?
OnPay starts at On request and PayFit at On request.
Does OnPay or PayFit run on more platforms?
OnPay runs on Web. PayFit runs on Web, iOS, Android.
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 PayFit is typically brought in for.
What can OnPay do that PayFit cannot?
OnPay covers Single plan, Tax filing and payment, Vertical payroll support, Benefits brokerage. PayFit covers Native payroll engine, Statutory filing, Payslip generation, Time off management.

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.

PayFit: Which countries does PayFit actually calculate payroll in?

It runs its own payroll engine for the countries it sells in, currently France, Spain, Italy and the United Kingdom, and it closed its German operation in 2023.

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.

PayFit: Is it native payroll or aggregation through a local partner?

Native. Country rules are written and maintained in the company own domain-specific language, so calculation and filing are PayFit responsibilities rather than a partner obligation.

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.

PayFit: Can PayFit employ staff on my behalf?

No. It is payroll software for entities you already have. Employment in a country without your own entity needs an employer of record.

OnPay: Is there a mobile app?

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

PayFit: Does it handle collective bargaining agreements?

Common French and Spanish agreements are supported, but unusual or heavily negotiated agreements can require manual handling.

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