Expensify vs OnPay: which one fits your business?
Side-by-side comparison of Expensify 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 7.3/10).
| Scored on | Expensify | OnPay |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 7 | 9 |
| Customer support | 6 | 7 |
| Features | 8 | 8 |
| Collect Plan (with card) | $5/user/month | — |
| Control Plan (with card) | $9/user/month | — |
| Collect Plan (no card) | $10/user/month | — |
| Control Plan (no card) | $18/user/month | — |
| Base Monthly Fee | — | $40.00 |
| Per Employee Fee | — | $6.00 |
| Setup Fee | — | $0.00 |
| Year-end W-2/1099s | — | Included |
Expensify in one paragraph
Expensify is a powerful automation tool for teams, provided you are willing to use their branded card to keep software costs down.
Skip it if: You prefer using a high-rewards external credit card and don't want to be penalized with higher software fees.
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, Expensify or OnPay?
On our five-axis scorecard, OnPay scores higher (8.1/10 vs 7.3/10). 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 Expensify?
You prefer using a high-rewards external credit card and don't want to be penalized with higher software fees.
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.