Paycheck Software is a collection of online paystub publication software, check printing software and payroll accounting software for small business users. They are suitable for small company owners to produce their own instant paychecks. Our free payroll software can easily manage employee’s regular or one-time payroll processing including regular money, extra payment, overtime pay, commission, deduction and so on.
These online payroll services are widely used by small business owners, HR consultants or even individual business entities.
OnPay: Best for Agricultural Companies
Overall Score: 4.23 OUT OF 5
What We Like
- Files Form 943
- Offers multiple payment options (like direct deposits, manual checks, and debit cards)
- Reasonably priced plan
What’s Missing
- Lacks multiple tiers that cater to varying payroll and HR needs
- Doesn’t have live phone support on weekends
- Limited third-party software integrations
OnPay Pricing
- $36 per month + $4 per employee monthly
OnPay makes it easy for agricultural companies to pay employees and file taxes. It files Form 943 and even processes payments and taxes for workers on H-2A visas. In addition to unlimited pay runs, it supports multiple pay rates and payroll schedules. OnPay can also handle the payroll needs of businesses in other industries (like healthcare and restaurant industries)—from filing tax forms (such as Forms 941, 1099, and W-2) to withholding your employees’ state and federal unemployment insurance payments and other contributions.
In our evaluation, OnPay earned a 4.23 out of 5. Similar to Square Payroll, it scored high ratings in almost all criteria except for ease of use and popularity among users. While OnPay may provide payroll services for different business types, its interface isn’t customizable and the number of third-party software that it integrates with is limited. Plus, a few reviewers who left feedback are unhappy with the occasional software and integration glitches. However, many users still find its online tools efficient as it helps them simplify and automate employee pay processing.
OnPay Features
- Unlimited payroll runs: Like Gusto, Square Payroll, and a couple of the other payroll systems for small businesses on our list, OnPay lets you run payroll for both employees and contractors as many times as you need and want without having to pay extra. You can also generate year-end W-2s and 1099s without paying a per-employee rate (Paychex and ADP Run charge extra). And, for those with special tax requirements like agricultural businesses, OnPay offers automated tax payments and filings of Form 943.
- Multiple employee payment options: With OnPay, employees can get their wages through direct deposits, debit cards, and paychecks. Your staff can also see their pay stubs online through OnPay’s self-service portal.
- Essential HR tools: Streamline onboarding processes with OnPay’s in-app offer letters, online I-9 and W-4 forms, e-signature tool, and automated onboarding workflows. It handles state new hire reporting, plus you can create custom checklists to ensure that incoming employees complete all the new hire requirements. If you need HR guides and legal templates, OnPay has an online HR resource library that you can access.
- Employee benefits: Unlike Gusto’s health insurance, which covers only 39 states (as of this writing), OnPay’s health plans are available in all US states. Your employees are also granted access to dental, vision, disability, and retirement plans. Further, OnPay can easily generate employee census data reports that you can use when requesting insurance quotes from carriers and benefits providers.
OnPay’s Drawbacks
- Lack of weekend phone support: If you urgently need payroll assistance from OnPay’s support team on a weekend, you won’t be able to contact them via phone. It only offers email support on Saturdays and Sundays. ADP Run and Paychex are great choices if you require 24/7 support. Paychex even offers a dedicated payroll specialist, although this service is available only in its higher tiers.
- Limited integration options: OnPay integrates with only a handful of third-party software, such as QuickBooks, Xero, QuickBooks Time, Deputy, Humanity, When I Work, Mineral, and PosterElite. For those who need robust integrations, we recommend Rippling as it connects with more than 400 apps.
Like many other payroll software solutions, PayCor is about much more than just payroll. It is a modular system that can be used for payroll alone, or use additional modules offered on the platform to manage all employee “lifetimes” within the company, from recruiting to departure. Did we already mention that flexibility is important to payroll software?
Key Features:
401(k) tracking
Benefits management
Check printing
Compensation management
Direct deposit
COBRA administration
HIPAA compliant
Employee database
Payroll reporting
Pros & Cons
Desktop and mobile access
Feature rich
Some users complain the interface is confusing
Pricing:
Basic plans start at $99/month for payroll services.
Free trial: No
Free plan: No
Bamboo HR is another great payroll software solution for small businesses. While specifically made for US-based employees, BambooHR provides an easy, 3-step solution to payroll. BambooHR saves employee information like wages, hours, bank account numbers, employee benefits, deductions, or withholdings and automatically transfers to the payroll process. Additionally, they have an employee portal so employees can access their payroll information (paystubs, direct deposit accounts) at any time. Lastly, they provide over 100 exportable payroll reports.
Key Features:
401(k) tracking
Compensation management
Benefits management
Billing & invoicing
Direct deposit
Deduction management
Employee database
Payroll reporting
Retirement plan management
Wage garnishment
Pros & Cons
Easy to use
Desktop and mobile access
Confusing user interface
Pricing:
In order to receive a price quote you must speak to a representative.
Free trial: Yes
Free plan: No
BEST CUSTOMER SERVICE Workful
Workful is one of the newer online payroll services available, and it’s already making a name for itself with its top-notch customer support, which is why it’s our best customer service option. The geolocation time-clock tracking is easy enough to set up and ensures employees clock in and out from wherever you’ve set as appropriate. Also, employees can submit expenses through the app, so they can get reimbursed with the next payroll run.Pros
- Affordable
- Easy to use
- Includes employee expense tracking
- Offers geolocation time-clock tracking
- Includes document storage
Cons
- Limited reporting features
- Setup seems clunky
Workful is an affordable and easy-to-use application but is not without its restrictions. For example, it doesn’t do automatic tax filing for you. But, it gets our nod for best customer service because it provides fast guidance with easy-to-understand directions for a small business owner.
Workful is one of the easiest-to-use online payroll services available. The left-side main menu is intuitive, and the dashboard is clean. Setup is easy enough, with a tutorial that walks you through establishing your services. Once you have the time-clock set up, it’s kind of hands-off work for you. Employees simply use the app to clock in and out.
When it comes to integrations, Workful doesn’t seem to play well with others. You can integrate QuickBooks Online, but that’s it. Workful is trying to be a single software solution, which is why it offers built-in time tracking, document storage, and HR options. However, if you’re happy with your time-tracking solution, use a different accounting program, or need Indeed or Zapier integrations, Workful isn’t the right payroll software for you.
BEST FOR SMALL BUSINESSES OnPay
OnPay offers an easy-to-use, affordable online payroll solution that’s ideal for small businesses. There are no hidden fees, which is important for a small business on a budget. The full-service payroll automates calculations and files your federal, state, and local payroll taxes. You’ll still have to run and approve payroll each time.Pros
- No hidden fees
- Easy to use
- Good value for the cost
Cons
- No same-day or next-day direct deposit
- No automatic payroll submission
Setting up payroll the first time in a new program can be time-consuming, but OnPay makes it easier with its setup wizard. Follow the steps and make sure your information is accurate, and you should be just fine. If you have data from another payroll service that you want to import into OnPay, you can get help with that, and OnPay guarantees accuracy.
At $36 per month and $4 per person per month, OnPay is a little more expensive than others, such as Workful and Payroll4Free. However, you get a lot more for the price, which makes it our top choice for small business owners trying to simplify payroll and human resources.
In addition to the full-service automated payroll you get from OnPay, you’ll also get filing for W-2 and 1099 workers at no extra cost. There’s also plenty of HR features to help you hire new employees, including offer letters, e-signing, automated onboarding, and document storage—features typically offered as add-ons or in top tiers from other services.
Conclusion
PayChex is also a payroll-processing company that serves small companies and sole proprietors by providing a simple, easy way to pay employees and prepare payroll tax forms. File for free with Paychex to get access to free Payroll Software for small business.