Head to head

OnPay vs Patriot Payroll

Same facts, side by side: starting price, free tier, MCP, API and what each one is actually built for.

OnPay

$49/mo

US full-service payroll with optional HR, time tracking and benefits. Payroll Essentials is $49/mo base plus $6 per worker.

Where OnPay fits

  • US small businesses that want payroll without a quote
  • Employers paying W-2 staff and 1099 contractors
  • Teams with workers in several states
  • Owners who want benefits admin with payroll

Patriot Payroll

$17/mo + $4/worker 30 day free trial

US small-business payroll. Basic is $17/mo plus $4 per worker paid. 30 days free.

Where Patriot Payroll fits

  • US micro-businesses that want the $17 Basic rate
  • Owners willing to do more payroll work to save
  • Teams that will take 30 days free before paying
  • Employers stepping up to Full Service at $37 plus $5

At a glance

DetailOnPayPatriot Payroll
Starting price$49/mo$17/mo + $4/worker
Free tier–No–No
Free trialNot on record30 day free trial
MCP server–No–No
Public API✓Yes–No
Listed underPayrollPayroll

Where they pull apart

OnPay

Stands out: Published pricing with unlimited pay runs, multi-state filing and year-end forms in the $49 base plan.

Watch out: The $49 is a base fee: each paid worker adds $6/mo. HR ($15 base plus $2/worker) and time tracking ($15 base plus $4/worker) cost extra.

Not the right fit for

  • Companies hiring employees abroad
  • Enterprises that need a full HCM suite

Patriot Payroll

Stands out: The lowest printed full-service-adjacent US payroll base: $17 plus $4, or Full Service at $37 plus $5.

Watch out: 50 percent off for three months is a promo, not the ongoing rate. Full Service is $37 plus $5 per worker if you want the vendor to handle more tax work.

Not the right fit for

  • Companies that need a global payroll or EOR
  • HR teams that want a full HCM suite

Pros and cons

OnPay

  • Published $49 base plus $6 per worker
  • Unlimited pay runs and multi-state filing
  • Free setup and data migration
  • Per-worker fee adds up on larger teams
  • HR and time tracking cost extra
  • US payroll only

Patriot Payroll

  • Basic $17/mo plus $4 per worker
  • 30 days free
  • Full Service option at $37 plus $5
  • Promo 50% off is temporary
  • US small business only
  • Not a full HRIS

What each one costs

OnPay

$49/mo

Payroll Essentials is $49 a month base plus $6 per worker, billed monthly. Add-ons: HR $15 base plus $2 per worker, time tracking $15 base plus $4 per worker, compliance resources $10, live HR support $65. Bundles start at $70 base plus $10 per worker. Confirm current terms on the vendor site.

Checked 19 Sep 2026

Patriot Payroll

$17/mo + $4/worker

Basic Payroll is $17/mo + $4 per worker paid. Full Service is $37/mo + $5 per worker. 30 days free. 50% off for 3 months is a promo (Basic then $8.50 + $2) and is not the ongoing rate. Confirm current terms on the vendor site.

Checked 19 Sep 2026

Common questions

Is OnPay cheaper than Patriot Payroll?
Patriot Payroll starts lower, at $17/mo + $4/worker against $49/mo for OnPay. That is the entry plan on each side, so the real number depends on seats and the tier you land on.
Can you try OnPay or Patriot Payroll for free?
Neither carries a free tier on our listing. Patriot Payroll offers a 30 day free trial.

Not the pair you wanted?

All OnPay alternatives All Patriot Payroll alternatives Every Payroll tool

Editorial listings, never paid rankings. Prices checked 19 Sep 2026. Confirm current terms on the vendor site. Spot an error?