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Payroll · head to head

OnPay vs SalaryFits

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
SalaryFits logo

SalaryFits

Payroll

Brazilian employee benefits and earned wage access app, owned by Serasa Experian since 2024

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only SalaryFits has a free tier, so it costs nothing to try first.
  • 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.; SalaryFits it only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
  • They diverge on capability: OnPay covers Single plan, SalaryFits covers Discount club.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which OnPay and SalaryFits actually diverge.

Attributes where OnPay and SalaryFits differ
AttributeOnPaySalaryFits
Starting priceOn requestFree
Pricing modelquoteFree for employers, fees apply to advances and loans
Free tierNoYes
PlatformsWebWeb, iOS, Android

Identical on both: 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 SalaryFits

  • Discount club
  • Earned wage access
  • Payroll-deduction loans
  • Financial marketplace
  • Zero employer cost
  • Serasa credit integration

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

SalaryFits

  • A Brazilian employer wanting a zero-cost benefit to add discount and advance access for staffnot OnPay
  • An HR team wanting earned wage access without building payroll advance infrastructure in housenot OnPay
  • A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot OnPay
  • An employer consolidating several point benefits into one branded app for staffnot 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.

SalaryFits

  • It only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
  • Ownership by Serasa Experian, a credit bureau, puts consumer credit data and workplace financial wellness in the hands of the same company, which some employees and employers may view as a conflict of interest.
  • Salary advances and payroll loans carry real fees and interest even though the base app is free to the employer, so the actual cost to employees is not zero despite the marketing framing.
  • As with any earned wage access product, heavy reliance on advances can mask underlying pay adequacy problems rather than solve them, and repeated use signals financial distress that a purely additive benefit narrative does not capture.
  • Independent, English-language documentation and support are thin, since the product and its support model are built around Brazilian Portuguese speaking employers and employees.

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

SalaryFits

Free
  • SalaryFitsFree
    • No employer subscription cost
    • Discount club free to employees
    • Salary advance and consigned loan fees apply per transaction

Which should you pick?

Choose OnPay if

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

Choose SalaryFits if

  • You need discount club.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want earned wage access.
SalaryFits review

Questions people ask

Is OnPay or SalaryFits better?
Neither clearly leads. OnPay starts at On request and SalaryFits at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, OnPay or SalaryFits?
SalaryFits has a free tier; the other does not. Paid plans start at On request for OnPay and Free for SalaryFits.
Does OnPay or SalaryFits run on more platforms?
OnPay runs on Web. SalaryFits runs on Web, iOS, Android.
Can I use SalaryFits for free?
Yes. SalaryFits has a free tier, so you can try it without paying. OnPay starts at On request.
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 SalaryFits is typically brought in for.
What can OnPay do that SalaryFits cannot?
OnPay covers Single plan, Tax filing and payment, Vertical payroll support, Benefits brokerage. SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace.

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.

SalaryFits: Is SalaryFits still an independent company?

No. It was acquired by Serasa Experian, with the deal approved by Brazil's CADE antitrust authority in 2024, and now operates as part of that group.

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.

SalaryFits: Does it cost the employer anything?

The base discount club and app access are free to employers; advances and payroll loans carry fees and interest paid by employees.

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.

SalaryFits: Does it operate outside Brazil?

No, it is built specifically for the Brazilian market.

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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