Which one is cheaper?

One or both use custom pricing, so it depends on your specific needs.

Different approach here. ADP uses custom pricing, while OnPay goes with hybrid. That changes the math depending on your team size and usage.

Which one is a better deal?

Depends on what you need. ADP: ADP plays in the premium/legacy lane against Gusto, Rippling, and Paychex — it's rarely the cheap option, and hiding all pricing behind a sales call reinforces that it's built for buyers who want a rep, an SLA, and enterprise-grade compliance backup rather than a self-checkout SaaS experience. They're chasing small-to-mid businesses that are willing to trade transparency and speed for ADP's brand trust and hand-holding. OnPay: No free trial and no free plan puts OnPay firmly in commit-to-buy territory, which is unusual for SMB payroll where competitors often dangle a trial to hook you in. The bundling discounts suggest they know their à la carte pricing can look expensive stacked up against all-in-one competitors, so they're using bundle discounts to soften that sticker shock.

ADP vs OnPay Pricing (2026)

How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.

	ADP pricing	OnPay pricing
Starts at	Custom	$49/mo
Number of plans	4	1
Free plan	—	—
Free trial	—	—
Pricing model	custom	hybrid

Price is one row. To weigh the features too, use our feature comparison template →

ADP pricing

Official page

Essential Payroll

Custom

Payroll: Computer, Mobile App, Phone Call
Direct Deposit
24/7 Customer Support
Robust Reporting
General Ledger Interface
New-Hire Reporting
W-2 & 1099 Forms
Tax Filing
Payroll Delivery
ADP Assist™ virtual assistant
ADP Assist™ payroll inspector
ADP Assist™ smart timesheet import
Multi-company Management
Multi-jurisdiction Payroll
Wisely® Direct Debit Card
Bill Pay and Client Invoicing
ADP® Employee Access
New Hire Onboarding
Employee Discounts
Background Checks
HR Tracking

Enhanced Payroll

Popular

Custom

Payroll: Computer, Mobile App, Phone Call
Direct Deposit
24/7 Customer Support
Robust Reporting
General Ledger Interface
New-Hire Reporting
W-2 & 1099 Forms
Tax Filing
Payroll Delivery
ADP Assist™ virtual assistant
ADP Assist™ payroll inspector
ADP Assist™ smart timesheet import
Multi-company Management
Multi-jurisdiction Payroll
Wisely® Direct Debit Card
Bill Pay and Client Invoicing
Check Signing: Security
State Unemployment Insurance (SUI) Management
Garnishment Payment Service
Job Costing
Labor Law Poster Compliance
ADP® Employee Access
New Hire Onboarding
Employee Discounts
Background Checks
HR Tracking
ZipRecruiter®
Electronic Form I-9

Complete Payroll & HR Plus

Custom

Payroll: Computer, Mobile App, Phone Call
Direct Deposit
24/7 Customer Support
Robust Reporting
General Ledger Interface
New-Hire Reporting
W-2 & 1099 Forms
Tax Filing
Payroll Delivery
ADP Assist™ virtual assistant
ADP Assist™ payroll inspector
ADP Assist™ smart timesheet import
Multi-company Management
Multi-jurisdiction Payroll
Wisely® Direct Debit Card
Bill Pay and Client Invoicing
Check Signing: Security
State Unemployment Insurance (SUI) Management
Garnishment Payment Service
Job Costing
Labor Law Poster Compliance
ADP® Employee Access
New Hire Onboarding
Employee Discounts
Background Checks
HR Tracking
ZipRecruiter®
Electronic Form I-9
HR HelpDesk
Employee Handbook Wizard
Salary Benchmarks
HR Forms and Documents
HR Training and Toolkits

HR Pro Payroll & HR

Custom

Payroll: Computer, Mobile App, Phone Call
Direct Deposit
24/7 Customer Support
Robust Reporting
General Ledger Interface
New-Hire Reporting
W-2 & 1099 Forms
Tax Filing
Payroll Delivery
ADP Assist™ virtual assistant
ADP Assist™ payroll inspector
ADP Assist™ smart timesheet import
Multi-company Management
Multi-jurisdiction Payroll
Wisely® Direct Debit Card
Bill Pay and Client Invoicing
Check Signing: Security
State Unemployment Insurance (SUI) Management
Garnishment Payment Service
Job Costing
Labor Law Poster Compliance
ADP® Employee Access
New Hire Onboarding
Employee Discounts
Background Checks
HR Tracking
ZipRecruiter®
Electronic Form I-9
HR HelpDesk
Employee Handbook Wizard
Salary Benchmarks
HR Forms and Documents
HR Training and Toolkits
Applicant Tracking System, powered by CareerPlug
Learning Management System
Sexual Harassment Prevention Training
Legal Assistance from Upnetic Legal Services, powered by Legal Club®

OnPay pricing

Official page

Payroll Essentials

Popular

$49/mo

Full-service payroll
Unlimited pay runs
Multi-state payroll
Accuracy guarantee
Accountant-friendly access
Hiring and onboarding
Team basics
Integrations and insights
Benefits administration
Expert support
White-glove setup

ADP vs OnPay FAQ

Which one is cheaper?: One or both use custom pricing, so it depends on your specific needs.
Can I use either one for free?: Neither has a free plan.
How do they charge?: Different approach here. ADP uses custom pricing, while OnPay goes with hybrid. That changes the math depending on your team size and usage.
Which one is a better deal?: Depends on what you need. ADP: ADP plays in the premium/legacy lane against Gusto, Rippling, and Paychex — it's rarely the cheap option, and hiding all pricing behind a sales call reinforces that it's built for buyers who want a rep, an SLA, and enterprise-grade compliance backup rather than a self-checkout SaaS experience. They're chasing small-to-mid businesses that are willing to trade transparency and speed for ADP's brand trust and hand-holding. OnPay: No free trial and no free plan puts OnPay firmly in commit-to-buy territory, which is unusual for SMB payroll where competitors often dangle a trial to hook you in. The bundling discounts suggest they know their à la carte pricing can look expensive stacked up against all-in-one competitors, so they're using bundle discounts to soften that sticker shock.

Still deciding? See the best ADP alternatives or the best OnPay alternatives, ranked with verified pricing.

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