OnPay vs Wave Payroll
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.
Wave Payroll
Wave Payroll is a simple payroll solution built into the Wave accounting ecosystem. It is designed for very small businesses that already use Wave for accounting and want an integrated payroll solution. Wave Payroll handles direct deposit, tax payments, and W-2s, making it a natural choice for businesses already in the Wave ecosystem.
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
- ✓Seamlessly integrates with Wave accounting — no manual data transfer needed
- ✓Very affordable pricing for micro-businesses
- ✓Simple interface with minimal setup required
- ✓Free Wave accounting included with subscription
Cons
- ✗Limited features compared to dedicated payroll platforms
- ✗Tax filing is only automatic in select states — manual filing required in others
- ✗No mobile payroll app
- ✗Not suitable for businesses with complex payroll needs
OnPay vs Wave Payroll: Side by Side
| Factor | OnPay | Wave Payroll |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Payroll Software | Payroll Software |
| Pricing Model | Paid | Paid |
| Starting Price | $40/mo + $6/person | $20/mo + $6/person |
| Best For | Small businesses wanting affordable, full-service payroll with no hidden fees | Micro-businesses already using Wave accounting that want simple integrated payroll |
| Our Pick | — | — |
OnPay Features
- ✓Unlimited payroll runs
- ✓automatic tax filing
- ✓direct deposit
- ✓employee self-service
- ✓HR tools
- ✓benefits administration
- ✓PTO management
- ✓integrations
Wave Payroll Features
- ✓Payroll processing
- ✓direct deposit
- ✓tax payments and filings
- ✓W-2 and 1099 preparation
- ✓Wave accounting integration
- ✓employee self-service
Pricing Comparison
Our Take
Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees. Choose Wave Payroll if micro-businesses already using wave accounting that want simple integrated payroll.
Best For
Small businesses wanting affordable, full-service payroll with no hidden fees
Best For
Micro-businesses already using Wave accounting that want simple integrated payroll
How OnPay and Wave Payroll Are Similar
- •Both are Payroll Software platforms designed for business teams
- •Both offer web-based access with no software installation required
- •Both provide customer support and onboarding resources
- •Both integrate with popular third-party business tools
- •Both offer a trial or demo to evaluate before purchasing
Also Consider
If neither OnPay nor Wave Payroll 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 Wave Payroll?
OnPay is best for small businesses wanting affordable, full-service payroll with no hidden fees. Wave Payroll is best for micro-businesses already using wave accounting that want simple integrated payroll.
Which is better, OnPay or Wave Payroll?
Choose OnPay if small businesses wanting affordable, full-service payroll with no hidden fees. Choose Wave Payroll if micro-businesses already using wave accounting that want simple integrated payroll.
How much does OnPay cost?
OnPay starts at $40/mo + $6/person. Pricing model: Paid.
How much does Wave Payroll cost?
Wave Payroll starts at $20/mo + $6/person. Pricing model: Paid.
Who should use OnPay?
Small businesses wanting affordable, full-service payroll with no hidden fees
Who should use Wave Payroll?
Micro-businesses already using Wave accounting that want simple integrated payroll