Countingup vs OnPay
A head-to-head comparison to help you pick the right tool
Last updated: April 30, 2026
Countingup
Countingup is a UK business current account with built-in accounting software. It combines banking and bookkeeping in one app, automatically categorizing transactions and generating tax estimates in real time.
OnPay
OnPay is a full-service payroll and HR platform designed for small and mid-size businesses. It offers unlimited payroll runs, automatic tax filing, and built-in HR tools at an affordable flat rate. OnPay is consistently rated as one of the best value payroll solutions for small businesses and supports a wide range of industries including restaurants, farms, and nonprofits.
Pros
- ✓Business banking and accounting in one app
- ✓Automatic transaction categorization
- ✓Real-time tax estimates
- ✓Simple flat monthly pricing
- ✓Great for sole traders
Cons
- ✗UK only
- ✗Limited accounting features for complex businesses
- ✗Not a replacement for full accounting software at scale
- ✗No multi-user access
Pros
- ✓Excellent value — flat monthly pricing with no per-run fees
- ✓Supports multiple pay schedules and unlimited payroll runs
- ✓Strong industry-specific features for restaurants, farms, and nonprofits
- ✓US-based customer support included on all plans
Cons
- ✗US-only — no international payroll support
- ✗Mobile app is less polished than competitors
- ✗Limited advanced HR features compared to full HRIS platforms
Countingup vs OnPay: Side by Side
| Factor | Countingup | OnPay |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Accounting Software | Payroll Software |
| Pricing Model | Paid | Paid |
| Starting Price | Contact for pricing | $40/mo + $6/person |
| Best For | UK sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app | Small businesses wanting affordable, full-service payroll with no hidden fees |
| Our Pick | — | — |
Countingup Features
- ✓Receipt scanning
- ✓expense categorization
- ✓VAT tracking
- ✓supplier management
- ✓bank feed integration
- ✓reporting
OnPay Features
- ✓Unlimited payroll runs
- ✓automatic tax filing
- ✓direct deposit
- ✓employee self-service
- ✓HR tools
- ✓benefits administration
- ✓PTO management
- ✓integrations
Pricing Comparison
Our Take
Choose Countingup if uk sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app. Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees.
Best For
UK sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app
Best For
Small businesses wanting affordable, full-service payroll with no hidden fees
Also Consider
If neither Countingup nor OnPay is the right fit, Dext is worth evaluating.
Dext
Bookkeepers, accountants, and businesses with high receipt volumes wanting to eliminate manual data entry
From $15/mo
Frequently Asked Questions
What is the difference between Countingup and OnPay?
Countingup is best for uk sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app. OnPay is best for small businesses wanting affordable, full-service payroll with no hidden fees.
Which is better, Countingup or OnPay?
Choose Countingup if uk sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app. Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees.
How much does Countingup cost?
Visit Countingup website for current pricing.
How much does OnPay cost?
OnPay starts at $40/mo + $6/person. Pricing model: Paid.
Who should use Countingup?
UK sole traders and freelancers wanting a combined business bank account and simple accounting tool in one app
Who should use OnPay?
Small businesses wanting affordable, full-service payroll with no hidden fees