Softwr

Payroll · head to head

OnPay vs Rippling

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
Rippling logo

Rippling

Recruitment

Manage HR, IT, and Finance in one place

From
$8/month
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.; Rippling the Internet Archive's capture of Rippling's homepage on 10 January 2021 named distinct product modules, Employee Platform, Payroll, Benefits, Talent Management, App Management, Device Management, and a PEO offering, all sold via 'Request Demo' with no price figure published.
  • They diverge on capability: OnPay covers Single plan, Rippling covers Payroll.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which OnPay and Rippling actually diverge.

Attributes where OnPay and Rippling differ
AttributeOnPayRippling
Starting priceOn request$8/month
Pricing modelquotesubscription
PlatformsWebWeb, Ios, Android
CategoryPayrollRecruitment
FoundedUnknown2016

Identical on both: free tier (No), user rating (Not yet rated).

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 Rippling

  • Payroll
  • Benefits Administration
  • Device Management
  • App Management
  • Time Tracking
  • Learning Management
  • Slack
  • Microsoft 365

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

Rippling

No use cases recorded yet. See the Rippling review.

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.

Rippling

  • The Internet Archive's capture of Rippling's homepage on 10 January 2021 named distinct product modules, Employee Platform, Payroll, Benefits, Talent Management, App Management, Device Management, and a PEO offering, all sold via 'Request Demo' with no price figure published.

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

Rippling

$8/month
  • Core$8/month
    • Employee Management
    • Onboarding
    • Offboarding
  • Pro$12/month
    • All Core features
    • Advanced Analytics
    • Custom Reports

Which should you pick?

Choose OnPay if

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

Choose Rippling if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want benefits administration.
Rippling review

Questions people ask

Is OnPay or Rippling better?
Neither clearly leads. OnPay starts at On request and Rippling at $8/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, OnPay or Rippling?
OnPay starts at On request and Rippling at $8/month.
Does OnPay or Rippling run on more platforms?
OnPay runs on Web. Rippling 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 Rippling is typically brought in for.
What can OnPay do that Rippling cannot?
OnPay covers Single plan, Tax filing and payment, Vertical payroll support, Benefits brokerage. Rippling covers Payroll, Benefits Administration, Device Management, App 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.

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.

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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