Is OnPay or Volopay better?

Neither clearly leads. OnPay starts at On request and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, OnPay or Volopay?

OnPay starts at On request and Volopay at On request.

Does OnPay or Volopay run on more platforms?

OnPay runs on Web. Volopay 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 Volopay is typically brought in for.

What can OnPay do that Volopay cannot?

OnPay covers Single plan, Tax filing and payment, Vertical payroll support, Benefits brokerage. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management. Both handle Accounting integrations.

Payroll · head to head

OnPay vs Volopay

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 review Website

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

From: On request
Rated: -

Full review Website

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.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
They diverge on capability: OnPay covers Single plan, Volopay covers Multi-currency business accounts.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which OnPay and Volopay actually diverge.

Attributes where OnPay and Volopay differ
Attribute	OnPay	Volopay
Platforms	Web	Web, 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

Only in Volopay

Multi-currency business accounts
Virtual and physical corporate cards
Accounts payable automation
Expense management
Approval workflows

Both cover

Accounting integrations

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

Volopay

A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot OnPay
A finance team wanting free domestic transfers with accounts payable automation includednot OnPay
A regional business consolidating separate local business bank accounts into one multi-currency platformnot OnPay
A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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.

Volopay

Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

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

Volopay

On request

Volopay$undefined/month
- Free domestic SGD transfers and Accounts Payable Automation
- Approximately 1.6% fee on cross-border non-SGD payments
- Approximately 3.1% fee on cross-currency spend within Singapore

Which should you pick?

Choose OnPay if

You need single plan.
You also want tax filing and payment.

OnPay review

Choose Volopay if

You need multi-currency business accounts.
You work on Web, iOS, Android.
You also want virtual and physical corporate cards.

Volopay review

Questions people ask

Is OnPay or Volopay better?: Neither clearly leads. OnPay starts at On request and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, OnPay or Volopay?: OnPay starts at On request and Volopay at On request.
Does OnPay or Volopay run on more platforms?: OnPay runs on Web. Volopay 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 Volopay is typically brought in for.
What can OnPay do that Volopay cannot?: OnPay covers Single plan, Tax filing and payment, Vertical payroll support, Benefits brokerage. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management. Both handle Accounting integrations.

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.

Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

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.

Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

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.

Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

OnPay: Is there a mobile app?

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

OnPay vs Volopay

OnPay

Volopay

The short version

Where they differ

What each one covers

Only in OnPay

Only in Volopay

Both cover

What people use each for

OnPay

Volopay

Where each one falls short

OnPay

Volopay

Pricing, plan by plan

OnPay

Volopay

Which should you pick?

Choose OnPay if

Choose Volopay if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on OnPay

More on Volopay

Keep looking

Other head to heads