Kashoo vs OnPay
A head-to-head comparison to help you pick the right tool
Last updated: April 30, 2026
Kashoo
Kashoo is a simple cloud accounting platform designed for small businesses and freelancers who want straightforward bookkeeping without complexity. It offers automatic transaction categorization powered by AI, invoicing, and basic financial reporting. Kashoo is known for its simplicity and flat-rate annual pricing with no per-user fees, making it one of the most affordable full-featured accounting options available.
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
- ✓Extremely simple and easy to use — ideal for non-accountants
- ✓Flat annual pricing with unlimited users — no per-seat fees
- ✓AI-powered transaction categorization saves time
- ✓Affordable compared to QuickBooks and Xero
Cons
- ✗Less feature-rich than QuickBooks or Xero
- ✗Limited integrations compared to larger platforms
- ✗Not suitable for businesses with complex accounting needs
- ✗Less widely known — fewer accountants familiar with it
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
Kashoo vs OnPay: Side by Side
| Factor | Kashoo | OnPay |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Accounting Software | Payroll Software |
| Pricing Model | Paid | Paid |
| Starting Price | $216/yr | $40/mo + $6/person |
| Best For | Very small businesses and freelancers wanting the simplest, most affordable accounting solution | Small businesses wanting affordable, full-service payroll with no hidden fees |
| Our Pick | — | — |
Kashoo Features
- ✓AI-powered transaction categorization
- ✓invoicing
- ✓expense tracking
- ✓bank connections
- ✓financial reporting
- ✓tax preparation
- ✓multi-currency support
- ✓unlimited users
- ✓mobile app
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 Kashoo if very small businesses and freelancers wanting the simplest, most affordable accounting solution. Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees.
Best For
Very small businesses and freelancers wanting the simplest, most affordable accounting solution
Best For
Small businesses wanting affordable, full-service payroll with no hidden fees
Also Consider
If neither Kashoo 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 Kashoo and OnPay?
Kashoo is best for very small businesses and freelancers wanting the simplest, most affordable accounting solution. OnPay is best for small businesses wanting affordable, full-service payroll with no hidden fees.
Which is better, Kashoo or OnPay?
Choose Kashoo if very small businesses and freelancers wanting the simplest, most affordable accounting solution. Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees.
How much does Kashoo cost?
Kashoo starts at $216/yr. Pricing model: Paid.
How much does OnPay cost?
OnPay starts at $40/mo + $6/person. Pricing model: Paid.
Who should use Kashoo?
Very small businesses and freelancers wanting the simplest, most affordable accounting solution
Who should use OnPay?
Small businesses wanting affordable, full-service payroll with no hidden fees