Navigate employee benefits with confidence

We make it easy to take care of your team and stay compliant. Our experts will help you set up great benefits plans.


Expert help. Premier providers.

Give employees their favorite benefit by offering health, vision, and dental insurance from the best companies. Our team of licensed brokers can help you set it all up — or you can work with an outside broker.


Protect your team (and your business)

Get compliant and protect yourself from liability. We offer pay-as-you-go workers’ comp plans that update whenever you add a new employee. No upfront payments, and nothing to keep you up at night.


Plan a brighter future

Offer a 401(k) plan without lifting a finger. We’re integrated with the best low-fee 401(k) providers to give you and your team a leg up on retirement.


It’s just $40 + $6 per person

Everything’s included for one, low monthly fee. Really!


It’s all in sync with your payroll

Enroll new employees with ease. Our integrated benefits get new employees up to speed fast.


Let us handle the math. You’ll never have to think about deductions, withholding, or getting taxes right.


Your data’s always ready. Your census data is available in just a few clicks if you ever need it.


Take care of employees — from their first day until retirement

Benefits can be just as important as wages to your employees. And our research shows that a good benefits package will improve productivity and reduce turnover. We make it simple to elevate your team.


Build a package that meets any need

We give you support and flexibility to offer employees any benefit.

Vacation + PTO

From setting up PTO policies to tracking accruals and approvals, vacation has never been more relaxing.

Life and disability

Give employees peace of mind by making sure their families will always be secure.

Liability insurance

Our in-house insurance agency can also help set up auto, liability, and other types of business insurance.

A whole lot more

Need help with HSA, FSA, or commuter benefits? We make the deductions and taxes easy.


It’s easy to get started

Try OnPay out yourself to see how easy payroll and HR can be. To get started, just share a few basic details about your business. Our team of pros will set everything up and import your employees’ information for you.

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OnPay Benefits FAQs

  • Does OnPay offer health insurance in every state?

    Through our in-house insurance agency, we’re able to act as your insurance broker in all 50 states. From helping you choose a plan to making sure any deductions are made automatically, we simplify the whole process.

  • Am I required to offer benefits or workers’ comp?

    In many states, employers are legally required to offer employees workers’ comp protections. Some states also require certain employers to offer employees health insurance or a retirement plan. The rules are often different in different states, and many are based on the number of employees your company has. For more detail, see the workers’ comp requirements and the requirements for health insurance.

  • Why should I offer employee benefits?

    When employees are offered benefits, they tend to be more engaged and stay at their jobs longer. As a business owner or manager, you’ll also get to enjoy any benefits you offer your team. If you want to learn more, here’s a look at which benefits employees want most.

  • I already have benefits. Can I bring them to OnPay?

    Of course! Our team can either act as your broker of record to administer an existing plan, or we can help you find and set up a new plan. You’re also welcome to continue working with your existing benefits brokers and providers. We make it easy to keep track of deductions and share data with the companies you work with.

  • Can OnPay help with FSA, HSA or commuter benefits?

    It’s easy to offer any kind of employee benefit through OnPay. Whether you need to process special deductions or need to make payroll deposits to more than one bank account per employee, we’ll give you all the help you need to give your team a great benefits package. Here’s a closer look at how payroll deductions can be created within OnPay.

Trying to get a handle on employee benefits?

Here are some resources that might help.


Which benefits do your employees expect?


What benefits should I think about offering?


Where can I learn about retirement, vacation, and other benefits?