OnPay vs Rippling: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for OnPay and Rippling side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Rippling leads on lower entry price. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
OnPay
Simplify payroll, HR, and benefits management for businesses of all sizes.
Best for you if:
- • You want comprehensive payroll, HR, and benefits in one platform
Rippling
Unify HR, IT, and finance for seamless employee management
Best for you if:
- • You want all-in-one HR/IT
| At a Glance | OnPay | Rippling |
|---|---|---|
Starts at | From $49/mo, billed monthly Partner plan | From $8/user/mo, billed monthly Platform plan |
Category | HR & Recruiting Payroll | HR & Recruiting Payroll |
Rating | 4.7/5 Capterra 4.8 · G2 4.5 883 reviews | 4.8/5 G2 4.8 · Capterra 4.9 18,284 reviews |
Free plan | No | No |
Watch out for | n/a | Annual contracts are mandatory. There is no monthly billing option, so you are locked in for 12 months minimum even if the product does not fit your needs |
Choose OnPay or Rippling?
Choose OnPay if
- You want comprehensive payroll, HR, and benefits in one platform
- You want automates tax filings and payments, reducing compliance burden
Choose Rippling if
- You want all-in-one HR/IT
- You want modern platform
- Budget matters ($8/user/mo, billed monthly vs $49/mo, billed monthly)
In-Depth Analysis
OnPay
Simplify payroll, HR, and benefits management for businesses of all sizes.
OnPay's Partner tier at $49/month + $6/worker seems fair for accounting firms looking to manage client payrolls, especially with the free firm payroll and 15% revenue share.
Strengths
- Pro: Comprehensive payroll, HR, and benefits in one platform
- Pro: Automates tax filings and payments, reducing compliance burden
- Pro: Supports various worker types (W-2, 1099, remote)
- Pro: Offers expert assistance for benefits and switching providers
- Pro: Highly rated by industry experts and users
Weaknesses
- Con: OnPay has no native time tracking, so hourly-heavy businesses must bolt on and pay for a third-party tool like When I Work or QuickBooks Time to capture hours.
- Con: Its integration catalog is far thinner than comparably priced rivals and it offers no public API, whereas Gusto connects to 250-plus apps, which limits automated syncing with your existing HR and accounting stack.
- Con: Reporting is limited to roughly seven pre-built reports with little customization and no deeper workforce analytics, so businesses needing custom cost or PTO reporting will find it shallow.
- Con: OnPay lacks a dedicated native mobile app for employers, and several reviewers cite setup, onboarding, and billing friction with support when resolving account-specific issues.
Key features
Rippling
Unify HR, IT, and finance for seamless employee management
The platform's strength is genuine, it unifies HR, IT, and Finance in one system with exceptional automation, but the quote-only pricing and annual contracts make it hard to budget without a sales call.
Watch out
Annual contracts are mandatory. There is no monthly billing option, so you are locked in for 12 months minimum even if the product does not fit your needs
Strengths
- Pro: All-in-one HR/IT
- Pro: Modern platform
- Pro: Good automation
- Pro: Fast growing
- Pro: Device management
Weaknesses
- Con: Expensive at scale
- Con: Complex pricing
- Con: Newer platform
- Con: Support varies
- Con: Feature overload
Key features
Plans and prices: OnPay vs Rippling
| Tool | Plans and prices | Source |
|---|---|---|
| OnPay |
| onpay.com/pricing read Oct 31, 2026 |
| Rippling |
| rippling.com/pricing read Oct 31, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on OnPay pricing and Rippling pricing.
Key Takeaways
OnPay
- Choose if you want simplify payroll, HR, and benefits management for businesses of all sizes
Rippling
- Lower entry price: $8/user/mo, billed monthly vs $49/mo, billed monthly
What the data shows
On the data below, Rippling leads on lower entry price. We do not name an overall winner for this pair.
- User ratings are within 0.2 points (4.7/5 from 883 reviews for OnPay, 4.8/5 from 18,284 reviews for Rippling).
- Rippling has the lower entry price: $8/user/mo, billed monthly (Platform) against $49/mo, billed monthly (Partner) for OnPay.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do OnPay and Rippling compare in 2026?
On the data below, Rippling leads on lower entry price. We do not name an overall winner for this pair. User ratings are within 0.2 points (4.7/5 from 883 reviews for OnPay, 4.8/5 from 18,284 reviews for Rippling). Rippling has the lower entry price: $8/user/mo, billed monthly (Platform) against $49/mo, billed monthly (Partner) for OnPay.
What are OnPay and Rippling used for?
OnPay: Simplify payroll, HR, and benefits management for businesses of all sizes. Rippling: Unify HR, IT, and finance for seamless employee management.
What does OnPay cost vs Rippling?
OnPay's cheapest paid plan is Partner at $49/mo, billed monthly. Rippling's cheapest paid plan is Platform at $8/user/mo, billed monthly. Prices read on the vendors' pricing pages, latest check Oct 31, 2026.
What's the main difference between OnPay and Rippling?
OnPay's main strength: comprehensive payroll, HR, and benefits in one platform. Rippling's main strength: all-in-one HR/IT.