OnPay vs QuickBooks Payroll: Payroll Software Comparison (2026)
OnPay and QuickBooks Payroll offer a range of payroll features, direct deposit, and retirement plans. OnPay integrates with a wider array of business tools like CRM and payment processing, while QuickBooks Payroll focuses on integrations with HR and financial services. QuickBooks Payroll includes 1099 E-File and income/expense tracking, features not listed for OnPay. OnPay offers health insurance and PTO management as built-in features, which are listed as health benefits for QuickBooks Payroll without specifying the same level of management.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask payroll software 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
- ✓Full service payroll
- ✓Next-day direct deposit
- ✓1099 E-File
- ✓Expert product support
- ✓Auto payroll
- ✓Health benefits
- ✓401(k) plans
- ✓Track income & expenses
When to choose OnPay
OnPay is suitable for businesses seeking a payroll solution with extensive integrations across CRM, accounting, and payment platforms, alongside features like health insurance and PTO management.
When to choose QuickBooks Payroll
QuickBooks Payroll is suitable for businesses that require full-service payroll with next-day direct deposit, 1099 E-File capabilities, and integrated income and expense tracking, especially if already using other Intuit services.