OnPay vs Digits
A head-to-head comparison to help you pick the right tool
Last updated: April 30, 2026
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.
Digits
Digits is a modern financial intelligence platform for small businesses that connects to your accounts and uses AI to surface insights, trends, and anomalies in your finances automatically.
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
Pros
- ✓AI-powered financial insights
- ✓Clean modern interface
- ✓Automatic anomaly detection
- ✓Good cash flow visibility
- ✓Integrates with existing accounting tools
Cons
- ✗Not a full accounting replacement
- ✗US-focused
- ✗Still a newer platform
- ✗Limited tax filing features
- ✗Best as a complement to existing accounting software
OnPay vs Digits: Side by Side
| Factor | OnPay | Digits |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Payroll Software | Accounting Software |
| Pricing Model | Paid | Paid |
| Starting Price | $40/mo + $6/person | Contact for pricing |
| Best For | Small businesses wanting affordable, full-service payroll with no hidden fees | Small business owners wanting AI-powered financial insights and visibility on top of their existing accounting software |
| Our Pick | — | — |
OnPay Features
- ✓Unlimited payroll runs
- ✓automatic tax filing
- ✓direct deposit
- ✓employee self-service
- ✓HR tools
- ✓benefits administration
- ✓PTO management
- ✓integrations
Digits Features
- ✓AI bookkeeping
- ✓transaction categorization
- ✓cash flow insights
- ✓financial reporting
- ✓bank feed integration
Pricing Comparison
Our Take
Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees. Choose Digits if small business owners wanting ai-powered financial insights and visibility on top of their existing accounting software.
Best For
Small businesses wanting affordable, full-service payroll with no hidden fees
Best For
Small business owners wanting AI-powered financial insights and visibility on top of their existing accounting software
Also Consider
If neither OnPay nor Digits is the right fit, Multiplier is worth evaluating.
Multiplier
Startups and SMBs hiring internationally on a budget
From $40/contractor/mo
Frequently Asked Questions
What is the difference between OnPay and Digits?
OnPay is best for small businesses wanting affordable, full-service payroll with no hidden fees. Digits is best for small business owners wanting ai-powered financial insights and visibility on top of their existing accounting software.
Which is better, OnPay or Digits?
Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees. Choose Digits if small business owners wanting ai-powered financial insights and visibility on top of their existing accounting software.
How much does OnPay cost?
OnPay starts at $40/mo + $6/person. Pricing model: Paid.
How much does Digits cost?
Visit Digits website for current pricing.
Who should use OnPay?
Small businesses wanting affordable, full-service payroll with no hidden fees
Who should use Digits?
Small business owners wanting AI-powered financial insights and visibility on top of their existing accounting software