Pay your team with debit card payroll

Take great care of your team by paying employees with prepaid debit card cards. OnPay gives you the flexibility to run payroll however you want, and it’s all included in one simple monthly price.


Payday done your way

OnPay gives you the power to save time and money with payroll that does it all. Add funds directly to workers’ paycards, use direct deposit, or cut physical checks. You get unlimited monthly pay runs and schedules, and we automate all of the taxes for you. It’s even mobile-friendly so you can run payroll on the go.


Great for employees without a primary bank

Make payday more accessible to your team, even if they don’t have a bank account. With a payroll card, workers can use their paycheck instantly, and they can avoid expensive check-cashing fees. It’s secure, fast, and won’t cost you anything extra.

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“OnPay has so many options for payroll, allowing me to pay employees and contractors through one system. Having that flexibility makes all the difference for my business and keeps reporting extremely accurate.”

— Sasha, Rivvly


Simplify all your to-dos in a few clicks

Not only will you be able to pay workers with debit card ⁠— OnPay gives you everything you need to simplify payroll and HR. With employee self-onboarding and self-service, workers can manage how they want to get paid. Plus, built-in HR and integrated benefits help you take great care of everyone.


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Clear pricing and powerful features

With OnPay, you’ll never have to worry about sneaky fees. We offer all the essentials starting at just $40 + $6/worker per month.

  • Pay workers by paycard at no extra cost
  • Choose direct deposit or physical checks if you prefer
  • Get our help with setup and data migration
  • Automated tax filings, payments, W-2s and 1099s
  • Employees self-onboard and e-sign important docs


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Try the best payroll + debit card solution

Your first month is free, and we’ll take care of any data migration needed to get you started.

Payroll debit card FAQs

  • How does a payroll debit card work?

    For employees who want to be paid by debit card, their paycheck funds load directly to a reloadable paycard. The card can be used to make purchases and payments just like a regular debit card. For you, it’s exactly the same as paying an employee by direct deposit.

  • How can an employee with a payroll card withdraw cash?

    Payroll cards can usually be used at ATMs, retailers, or online shops, just like a normal debit card. There may be withdrawal fees, depending on the type of card they choose and which ATM they use.

  • Why are payroll debit cards a smart option for employers to offer?

    Paycards are an accessible, flexible payment option for unbanked employees. They are a great alternative to direct deposit or check payments, which require the worker to have a bank account — or to pay 10% or more in check cashing fees. Offering payroll through debit cards saves employees time and expenses associated with check cashing services. It also reduces your administrative hassle of writing and tracking transactions through paper checks.

  • Are there any fees associated with paycheck cards?

    Reloadable cards are available from many financial institutions, typically for a few dollars a month. Employees will typically obtain their own card. There are often some small setup fees and charges associated with paycheck cards, but they are usually much cheaper than check-cashing fees for unbanked employees. And OnPay charges no fees to deposit payroll onto a debit card.