OnPay vs Square

Square vs. OnPay

When managing payroll for small businesses, Square and OnPay stand out as some of the best choices in the industry. Known for their transparency and user-friendly features, these platforms offer distinct solutions. This comparison explores their services, pricing structures, ease of use, and security to help businesses make informed decisions for efficient payroll management.

Services

Square and OnPay share several fundamental features in their payroll services. Both platforms provide a comprehensive solution that includes automated tax filings, HR management, and benefits administration. Additionally, they provide flexibility in their offerings, with Square allowing unlimited monthly pay runs and OnPay designing its plans to be adaptable without needing service tier upgrades. Furthermore, both services integrate seamlessly with popular software, facilitating a smoother workflow for businesses. Transparent pricing is another common aspect, with Square ensuring no hidden fees and OnPay adopting a straightforward monthly fee structure.

Square Payroll stands out for its seamless integration within the Square ecosystem, providing teams with an easy and quick payment process. The service offers live support from payroll service specialists, onboarding guidance, and a transparent pricing model, making it particularly suitable for small businesses. On the other hand, OnPay focuses on providing a complete payroll experience, offering unlimited payrolls, robust HR and benefits support, and a comprehensive suite of HR tools. OnPay's coverage extends to all 50 states. It includes additional options like integrated benefits, a 401(k) plan, or pay-as-you-go workers' comp. This provides a versatile solution for businesses managing various aspects of payroll and employee well-being.

Ease of use & integrations

While Square Payroll is known for its integration within the Square ecosystem, offering a mobile Team App for convenient employee interactions, OnPay stands out with a one-month free trial, transparent pricing, and excellent customer support. OnPay excels in HR features, providing an HR resource library, time-tracking integrations, and document storage. On the other hand, Square Payroll is recognized for its quick setup, requiring minimal prep work, according to user reviews.

Despite the many differences, they still have many similarities. Both platforms offer user-friendly payroll services with automated tax filings, HR management, and benefits administration. They ensure ease of use, providing simple onboarding processes and transparent pricing models. The two platforms support multistate payroll, making them versatile options for businesses with remote workers. Additionally, Square Payroll and OnPay integrate seamlessly with popular accounting software, streamlining processes and ensuring efficient financial management. Ultimately, the choice between Square Payroll and OnPay may depend on specific preferences. Square offers seamless integration within its ecosystem, and OnPay provides a comprehensive HR solution with additional user-friendly features.

Level of security

Square and OnPay prioritize robust security and compliance in their respective payroll services. Square implements a comprehensive framework encompassing data encryption, PCI compliance, and regular audits to keep sensitive information safe. Its commitment to safeguarding sensitive information extends to features like two-factor authentication and stringent password controls, ensuring secure access. Notably, Square's adherence to industry-leading PCI standards simplifies compliance validation for merchants handling payment card transactions.

OnPay mirrors this dedication, employing unique security identification numbers, confidential user IDs, and high-grade SSL encryption for secure data transmission. Access to payroll information is strategically restricted, allowing for the designation and authorization of individual users with specific authority levels. While exact details about security audits and frequent updates are not explicitly detailed, OnPay emphasizes a user-friendly approach, evident in positive user feedback, which contributes to its payroll services' overall security and integrity. 

Prices 

Square and OnPay provide transparent pricing structures for their payroll services, catering to small businesses. Square's full-service payroll plan costs $35 monthly plus $6 per employee or contractor, covering unlimited pay runs, automated tax filings, HR resources, and direct deposit. Expert advice on taxes and compliance is included, with no hidden fees or long-term commitments. Square also offers a Contractor-Only Payroll service for $6 per month per person paid.

In comparison, OnPay has a clear pricing structure of $40 monthly plus $6 per person, featuring customizable HR tools. The company emphasizes simplicity, with no add-on fees or complex pricing tiers. Users are billed only for actively paid workers, ensuring a straightforward approach without encountering paywalls. While OnPay has a slightly higher base fee than Square, both platforms demonstrate transparency in rates and fees, offering distinct approaches to suit various business needs in managing payroll services.

All in all, Square and OnPay present solid options for small businesses seeking streamlined payroll solutions. They cater to diverse needs with user-friendly interfaces, transparent pricing, and robust security measures. Priced at $35 per month plus $6 per employee, Square stands out for its rapid setup and seamless integration. On the other hand, OnPay provides an alternative with a one-month free trial and a monthly fee of $40, plus $6 per person. Businesses can choose the solution that best aligns with their preferences, allowing them to tailor payroll management efficiently to their specific requirements.

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