Bill.com vs OnPay: which one fits your business?
Side-by-side comparison of Bill.com and OnPay — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: OnPay wins on our scorecard (8.1/10 vs 7.1/10).
| Scored on | Bill.com | OnPay |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 6 | 9 |
| Customer support | 5 | 7 |
| Features | 9 | 8 |
| Monthly Subscription (Team Tier) | $55 per user | — |
| ACH Payment Fee | $0.49 each | — |
| Mailed Check Fee | $1.69 each | — |
| International Wire (USD) | $0.00 (with FX markup) | — |
| Base Monthly Fee | — | $40.00 |
| Per Employee Fee | — | $6.00 |
| Setup Fee | — | $0.00 |
| Year-end W-2/1099s | — | Included |
Bill.com in one paragraph
Bill.com is the gold standard for mid-sized small businesses needing strict approval workflows, provided you can stomach the per-transaction fees.
Skip it if: You are a solopreneur with fewer than 10 invoices a month who doesn't need a formal approval trail.
OnPay in one paragraph
OnPay is the best value-for-money payroll provider for U.S. small businesses that want flat, predictable pricing and full-service tax compliance.
Skip it if: Skip it if you need to pay international contractors or require a native mobile app to run payroll from your phone.
Frequently asked questions
Which is better, Bill.com or OnPay?
On our five-axis scorecard, OnPay scores higher (8.1/10 vs 7.1/10). OnPay is the best value-for-money payroll provider for U.S. small businesses that want flat, predictable pricing and full-service tax compliance.
Who should skip Bill.com?
You are a solopreneur with fewer than 10 invoices a month who doesn't need a formal approval trail.
Who should skip OnPay?
Skip it if you need to pay international contractors or require a native mobile app to run payroll from your phone.