Big benefits for businesses of every size

Support employees' health, wealth, and happiness ⁠— from day one to retirement.
We make it easy to take care of your team and stay compliant.


Choose from the benefits workers want most

Offer the benefits that research shows help you hire and retain the top talent.
We’ll help you put together a customized benefits package with the right perks ⁠— and price point.

Health insurance

Medical, dental, and vision

Workers' comp

Stay compliant with an affordable plan

Retirement plans

Integrate with top providers

Licensed brokers

Get support from our certified pros

...and a whole lot more

HSA, FSA, commuter benefits, and more


Premier providers for every price point

Give employees their favorite benefit by offering health, dental, and vision insurance from the best carriers. Our team of licensed brokers can help you set it all up in all 50 states — or you can work with an outside broker. If you already have a plan you love, we can even help get it in sync with payroll.


Explore health insurance


Empower employees power to manage their own coverage

Invite your eligible employees to see available plans, add dependents, and elect or waive coverage right from the app. We make it easy to see what it’ll cost per pay period so they know exactly what to expect.


Keep everyone protected

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.


Learn about workers’ comp


“Finding OnPay was like taking a big weight off our shoulders. They introduced us to ways to easily provide benefits to our employees.”

— Patrick, GPA Innova America Corp


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.


Check out integrated 401(k)


All in sync with payroll

We partner with top providers to help you take care of all of your responsibilities. You’ll never have to think about deductions, withholding, or updating things when your headcount changes.

Explore all integrations


From their first day until retirement

When it comes to accepting (and staying in) a job, benefits are often just as important as wages to your employees. Our research shows that a good benefits package will improve productivity and reduce turnover. We make it simple to elevate your team.


We can help with that, too

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 it can be to tackle payroll, HR, and benefits in one place. 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.

OnPay Benefits

  • 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?

    Yes! 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?

We have some resources that might help.