The best direct deposit payroll for small businesses

When you’re running a small business, you have a lot to keep organized — but paying your workers should be simple. OnPay’s direct deposit payroll saves time, keeps payments accurate, and makes your team happy. It’s all included in our full-service payroll software.

  1. OnPay
  2. Payroll software
  3. Direct deposit service

Payday made fast and easy

Our top-rated direct deposit payroll does it all:

  • Unlimited monthly pay runs and schedules
  • Pay W-2 and 1099 workers with a few clicks
  • Funds deposit straight to employees’ bank accounts
  • Tax filings and payments are automated
  • Run payroll from anywhere with cloud-based software

Make paper checks a thing of the past

Ditch the hassle of printing and distributing paper checks by switching to direct deposit payroll. Just review and approve each pay run, and we’ll do the rest for no extra cost. You’ll save on check stock, avoid errors, and give everyone more time in their day.

Loved by small businesses. Respected by experts.

“OnPay makes payroll easy to run and manage. I love the direct deposit feature.”

Maggie Williams

Iron Edison Battery

Denver, CO

A top online payroll services for small business, according to PC Mag

Editors’ Choice

“It's an excellent choice for many small businesses—even those with advanced needs in both payroll and HR.”

Kathy Yakal, August 2020

5-Star Rated on Capterra
5-Star Rated on G2 Crowd
5-Star Rated on Software Advice

$36 + $4 per worker each month

Simple pricing with no sneaky fees for direct deposit (or anything else).

Employees who enjoy using a small business payroll service
  • Pay by direct deposit, check, or debit card
  • Run multi state payroll for no extra cost
  • Free setup and migration of employee data
  • All tax filings and payments included
  • HR tools built right in to manage your team
  • Employee self-service and onboarding

Direct Deposit Service FAQs

  • How does direct deposit payroll work?

    With direct deposit enabled, an electronic payment moves directly from your business’s bank account to that of your employee.

  • Is direct deposit safe?

    Our direct deposit payroll service is a safe and reliable way to pay your workers through a secure ACH transfer. This eliminates the possibility of a paper check getting lost or in the wrong hands. It also saves time.

  • How quickly will my employees get paid?

    OnPay offers a maximum of 4-day turnaround for direct deposit payments.

  • How do I set up direct deposit for employees?

    Employees each have their own OnPay account where they can enter (and update) banking information for direct deposit themselves. Or you can gather employees’ bank account and routing information and follow simple instructions for setting it up.

  • How much does direct deposit cost?

    Everything OnPay does is included in the price of our monthly subscription. There are no fees per pay run, like most other payroll providers.

Try the best direct deposit payroll

We’ll handle all of the setup, and you’ll get your first month free.

  • Save time and money with OnPay.

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