OnPay vs Kashoo
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.
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.
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
- ✓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
OnPay vs Kashoo: Side by Side
| Factor | OnPay | Kashoo |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Payroll Software | Accounting Software |
| Pricing Model | Paid | Paid |
| Starting Price | $40/mo + $6/person | $216/yr |
| Best For | Small businesses wanting affordable, full-service payroll with no hidden fees | Very small businesses and freelancers wanting the simplest, most affordable accounting solution |
| Our Pick | — | — |
OnPay Features
- ✓Unlimited payroll runs
- ✓automatic tax filing
- ✓direct deposit
- ✓employee self-service
- ✓HR tools
- ✓benefits administration
- ✓PTO management
- ✓integrations
Kashoo Features
- ✓AI-powered transaction categorization
- ✓invoicing
- ✓expense tracking
- ✓bank connections
- ✓financial reporting
- ✓tax preparation
- ✓multi-currency support
- ✓unlimited users
- ✓mobile app
Pricing Comparison
Our Take
Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees. Choose Kashoo if 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
Best For
Very small businesses and freelancers wanting the simplest, most affordable accounting solution
Also Consider
If neither OnPay nor Kashoo 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 Kashoo?
OnPay is best for small businesses wanting affordable, full-service payroll with no hidden fees. Kashoo is best for very small businesses and freelancers wanting the simplest, most affordable accounting solution.
Which is better, OnPay or Kashoo?
Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees. Choose Kashoo if very small businesses and freelancers wanting the simplest, most affordable accounting solution.
How much does OnPay cost?
OnPay starts at $40/mo + $6/person. Pricing model: Paid.
How much does Kashoo cost?
Kashoo starts at $216/yr. Pricing model: Paid.
Who should use OnPay?
Small businesses wanting affordable, full-service payroll with no hidden fees
Who should use Kashoo?
Very small businesses and freelancers wanting the simplest, most affordable accounting solution