FreshBooks vs OnPay: which one fits your business?
Side-by-side comparison of FreshBooks 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 7.6/10).
| Scored on | FreshBooks | OnPay |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 8 |
| Fees & pricing | 6 | 9 |
| Customer support | 7 | 7 |
| Features | 8 | 8 |
| Lite Tier (Monthly) | $19.00 | — |
| Plus Tier (Monthly) | $33.00 | — |
| Premium Tier (Monthly) | $60.00 | — |
| ACH Payment Fee | 1% | — |
| Credit Card Fee | 2.9% + $0.30 | — |
| Base Fee | — | $40/month |
| Per Person Fee | — | $6/month |
| Setup Fee | — | $0 |
FreshBooks in one paragraph
FreshBooks is the best-in-class choice for service-based solos and small teams who value a beautiful UI and automated billing over deep accounting complexity.
Skip it if: You run a high-volume retail shop or have more than 50 low-value clients that would trigger expensive tier jumps.
OnPay in one paragraph
OnPay is the best value-for-money payroll provider for small businesses that want flat-rate pricing without the 'tier' games.
Skip it if: Skip it if you require a dedicated native mobile app for your employees or need 24/7 phone support.
Frequently asked questions
Which is better, FreshBooks or OnPay?
On our five-axis scorecard, OnPay scores higher (8.1/10 vs 7.6/10). OnPay is the best value-for-money payroll provider for small businesses that want flat-rate pricing without the 'tier' games.
Who should skip FreshBooks?
You run a high-volume retail shop or have more than 50 low-value clients that would trigger expensive tier jumps.
Who should skip OnPay?
Skip it if you require a dedicated native mobile app for your employees or need 24/7 phone support.