OnPay vs Square Payroll: HR & Payroll Comparison (2026)
OnPay and Square Payroll both offer payroll management, but OnPay provides a broader range of HR features while Square Payroll focuses on streamlined payroll processing with instant payment options.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask hr & payroll questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.
Probes run hourly; each (engine × query) combo retests every ~3 days.
Pricing
Key Features
- ✓Direct deposit
- ✓Hiring and onboarding
- ✓Health insurance
- ✓Built-in reporting
- ✓PTO management
- ✓401(k) retirement
- ✓Mobile friendly
- ✓Employee self-service
- ✓Run full-service payroll
- ✓$6 per person paid
- ✓Instant payments
- ✓Automated tax calculations
When to choose OnPay
OnPay is suitable for businesses seeking a comprehensive HR and payroll solution with features like hiring and onboarding, health insurance, PTO management, and 401(k) retirement plans, alongside direct deposit and built-in reporting. It also offers integrations with various third-party applications.
When to choose Square Payroll
Square Payroll is suitable for businesses primarily in need of full-service payroll with instant payment capabilities and automated tax calculations. Its pricing model includes a flat monthly fee plus a per-person paid charge.