Keap vs OnPay: which one fits your business?
Side-by-side comparison of Keap and OnPay — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: OnPay wins on our scorecard (7.9/10 vs 7.2/10).
| Scored on | Keap | OnPay |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 6 | 7 |
| Fees & pricing | 6 | 9 |
| Customer support | 7 | 7 |
| Features | 9 | 8 |
| Pro Tier (Monthly) | $249 | — |
| Max Tier (Monthly) | $399 | — |
| Expert Onboarding (One-time) | Varies (often $499-$999) | — |
| Additional Users | $29/mo | — |
| Base Monthly Fee | — | $40 |
| Per Employee Fee | — | $6 |
| W-2 / 1099 Filing | — | $0 |
| Setup Fee | — | $0 |
Keap in one paragraph
A powerhouse automation tool that is worth the high price only if you have enough lead volume to justify replacing a part-time assistant.
Skip it if: You are a brand-new freelancer with no steady lead flow or you have a limited budget under $100/month.
OnPay in one paragraph
OnPay is the most transparent full-service payroll provider for small teams that hate hidden fees and need expert setup help.
Skip it if: You are a solo freelancer who only needs to run payroll once a quarter and finds the $40 monthly base fee too high.
Frequently asked questions
Which is better, Keap or OnPay?
On our five-axis scorecard, OnPay scores higher (7.9/10 vs 7.2/10). OnPay is the most transparent full-service payroll provider for small teams that hate hidden fees and need expert setup help.
Who should skip Keap?
You are a brand-new freelancer with no steady lead flow or you have a limited budget under $100/month.
Who should skip OnPay?
You are a solo freelancer who only needs to run payroll once a quarter and finds the $40 monthly base fee too high.