OnPay vs Toast POS: which one fits your business?
Side-by-side comparison of OnPay and Toast POS — 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 | OnPay | Toast POS |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 7 | 6 |
| Features | 8 | 9 |
| Base Monthly Fee | $40.00 | — |
| Per Employee Fee | $6.00 | — |
| Setup Fee | $0.00 | — |
| Year-end W-2/1099s | Included | — |
| Starter Software Fee | — | $0/mo |
| Standard Software Fee | — | $165/mo |
| Payment Processing | — | Varies by quote |
| Hardware Starter Kit | — | From $0 + higher rates |
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.
Toast POS in one paragraph
Toast is the industry standard for a reason, offering the best-in-class workflow for staff despite its high-cost, locked-in processing ecosystem.
Skip it if: Skip it if you are a low-volume business or want the freedom to shop for the cheapest payment processing rates.
Frequently asked questions
Which is better, OnPay or Toast POS?
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 U.S. small businesses that want flat, predictable pricing and full-service tax compliance.
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.
Who should skip Toast POS?
Skip it if you are a low-volume business or want the freedom to shop for the cheapest payment processing rates.