OnPay vs Square Payroll
Two payroll & HR tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Square Payroll costs less for a six-person team.
OnPay fits service business, agency or studio, trades or contractor, online store.
| Compare | OnPayOnPay | Square PayrollBlock |
|---|---|---|
| In one line | One flat-price payroll plan with tax filing and HR basics | Payroll that pulls hours and tips from Square POS |
| Starting price | From $49/mo + $6/person | From $35/mo + $6/person |
| Six-person team | $85/mo | $71/mo |
| Plans | $49/mo + $6 per person paid; unlimited pay runs; tax filings in all states; first month free | Full service $35/mo + $6 per person paid (tax filings, multistate); contractors only $6 per person; no contract; paper W-2s $3 each |
| Pricing model | Free trial | Paid |
| Free trial | 30 days | — |
| Users | Per person paid | No minimum |
| Both connect to | QuickBooks Online, When I Work | |
| Also connects to | Xero | Homebase Scheduling |
| Team size | Just me · 2–10 people · 11–50 people | Just me · 2–10 people · 11–50 people |
| Available in | US | US |
| Phone support | Every plan | Every plan (US) |
| Live chat | Every plan | Plans not stated |
| Support hours | Phone: 9AM – 8PM ET, Monday – Friday · Live chat: Monday - Friday, 9AM-8PM ET | Phone: M–F 6 a.m.–6 p.m. PT |
| Incidents posted | We found no public status page for OnPay. | 14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page |
| Capterra score | 4.8 / 5 from 469 reviews | 4.7 / 5 from 622 reviews |
| Trustpilot score | 3.7 / 5 from 319 reviews | Not listed |
| Fit: Retail shop | 82 | 85 |
| Fit: Restaurant or café | 85 | 88 |
| Fit: Service business | 85 | 75 |
| Fit: Agency or studio | 80 | 55 |
| Fit: Trades or contractor | 85 | 70 |
| Fit: Online store | 72 | 55 |
| Why people pick it |
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| Where it falls short |
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| Visit OnPay | Visit Square Payroll | |
Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices
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