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Payroll & HR

OnPay vs Rippling: Which Payroll and HR Tool Fits Your Business in 2026?

OnPay publishes a simple, transparent price: $49 base plus $6 a worker. Rippling publishes no price at all — every plan is quoted based on which of its modules (payroll, IT, benefits, spend management) you select.

By Bill Belcamino · Last updated September 23, 2026 · Our methodologyResearched and fact-checked by the HelpCompare team
OnPay logo$49 base + $6/worker/mo

OnPay

VS
Rippling logoCustom quote only

Rippling

Run the cost calculator Compare pricing tiers
OnPay vs RipplingVerified Sep 23, 2026
Bill Belcamino
Bottom line up frontby Bill Belcamino, founder of HelpCompare
Editorial assessment

Bottom line up front: Should a small business run payroll on OnPay or Rippling?

OnPay fits a small business that needs payroll and HR at a price it can see today; Rippling fits a company that wants payroll, IT device management and benefits in one system.

OnPay is $49 a month base plus $6 per worker, published and self-serve with the first month free. Rippling publishes no price at all and quotes every plan by the modules you pick and your headcount, so the real question is whether you'd actually use the IT side. If you ask for a quote, make it comparable: get the per-employee price for each module in writing, plus the contract term, any implementation fee and a cap on how much the price can rise at renewal, because modular quotes grow one add-on at a time. Then put that number next to OnPay's formula for your own headcount. If device management isn't on your list, I'd start with OnPay's free month.

My read of the verified data on this page, checked against vendor sources on September 23, 2026. Disagree or spot an error? Tell Bill

Verified data

OnPay vs Rippling: quick facts

At a glanceOnPayRippling
CategoryPayroll & HR
Entry price$49 base + $6/worker/moCustom quote only
Free planNo — “Get Your First Month Free” trial offer, not a permanent free tierNo

Is OnPay cheaper than Rippling?

Unknown for Rippling by design — it publishes no list price. OnPay’s cost is fully published: $49 base plus $6 per worker a month, with no sales call required to find out.

Verified data

OnPay vs Rippling at a glance

CategoryOnPayRippling
Entry price$49 base + $6/worker/moCustom quote — not published
Pricing transparencyFully published on the vendor siteNone — sales-quoted only
Self-serve signupYesNo — requires a sales conversation
IT/device managementNot offeredCore product alongside payroll and HR
Benefits administrationAvailableAvailable, as a modular add-on
Built forSmall businesses wanting straightforward payrollCompanies wanting payroll, IT and HR unified in one platform

Verified September 23, 2026Prices recorded from each vendor’s own pricing page. See sources

OnPay price in USD from onpay.com, checked September 23, 2026. Rippling publishes no price on its own site.

Editorial assessment

How they actually differ

This comparison, like several sales-quoted tools on this site, comes down to buying model as much as features: published and self-serve versus quoted and modular.

Modular platform vs focused product

Rippling is built around “modules” — payroll, benefits, IT device management, spend management, and more — that a company mixes and matches, with the price built around which modules and how many employees. OnPay is a focused payroll and HR product without Rippling’s IT-management scope, priced with one simple published formula.

Getting a price

You can see OnPay’s exact cost for your team size on its own pricing page in under a minute. Rippling requires talking to its sales team to get a number, since pricing depends on which modules you select — a real difference in buying friction, not just a features question.

Moving between them

Payroll history, tax filings and employee records do not transfer automatically between providers — export year-to-date payroll reports and W-2/1099 data before switching, and plan the move around a quarter or year boundary where possible so tax filings stay clean.

Editorial assessment

Pros & cons

OnPay

Pros

  • Fully published, self-serve pricing
  • No sales call required to sign up
  • First month free
  • Simple, focused payroll and HR product

Cons

  • No IT/device management module
  • Smaller feature scope than Rippling’s full platform
  • No modular spend-management product
  • Smaller brand recognition

Rippling

Pros

  • Unifies payroll, HR, IT and benefits in one platform
  • IT device management not offered by focused payroll tools
  • Modular — pay only for the products you select
  • Popular with fast-growing, multi-department companies

Cons

  • No published price at all
  • Requires a sales conversation to sign up
  • No self-serve signup
  • Harder to budget without a quote in hand
Verified data

Cost calculator: what does your team actually pay?

OnPay

 
$0/mo

Rippling

 
$0/mo
 

OnPay list price checked September 23, 2026. Rippling publishes no price to plug into a calculator — request a quote for your team size and module needs and compare it directly to OnPay’s published $49 + $6/worker formula.

Choose OnPay if…

You want a fully transparent, self-serve price and don’t need IT device management or a modular multi-product platform.

Choose Rippling if…

You want payroll, HR, IT and benefits unified in one platform and are prepared to go through a sales conversation to get pricing.

Total cost over time

Uses your selections above. Estimate excludes add-ons, overages, and negotiated discounts.

Ready to pick your payroll tool?

OnPay’s price is published on its site — check it against your team size first. Request a Rippling quote in parallel so you have a real number to compare.

See OnPay pricing See Rippling pricing
Verified data

OnPay vs Rippling: security, offline & remote work

How OnPay and Rippling compare on compliance reports, sign-in controls, offline access and the setup details that matter for remote, hybrid and in-office teams. Every value links to the vendor page it came from.

What we checkedOnPayRippling
Security & compliance
SOC 2 reportSOC 2 Type IIsourceSOC 2 Type IIsource
ISO/IEC 27001Not publishedCertifiedsource
Other certificationsNot publishedSOC 1 Type II, SOC 3, CSA STAR Level 2, ISO/IEC 27018, ISO/IEC 42001source
HIPAA (BAA)Not publishedNot published
GDPR data processing agreementNot publishedNot published
Single sign-on (SAML/OIDC)Not publishedNot published
SCIM user provisioningNot publishedNot published
Two-factor authenticationYessourceNot published
Admin audit logNot publishedYessource
Data residency choicesNot publishedNot published
EncryptionAES-256 at rest; TLS 1.2 in transit; hosted on AWSsourceAES at rest; 256-bit TLS in transitsource
Self-hosting optionNot publishedNot published
Offline access
Offline modeNot documentedPartialOnly the Rippling time Kiosk works offline: employees can clock in and out, switch jobs, take breaks and capture photos without a connection.source
Desktop appsNot publishedNot published
Mobile appsiOS, AndroidsourceiOS, Androidsource
Remote, hybrid & in-office
IP allowlistingNot publishedNot published
Device & session controlsNot publishedYesRippling IT device management (Apple and Windows MDM): remote lock and wipe, custom security policies, automated device offboarding.source
Office & room hardware—Rippling Time & Attendance runs a Kiosk for shared clock-in and out, and the Kiosk has an offline mode.source
Editorial assessment

What this means for your team

  • Audit reports: both publish a SOC 2 report, and Rippling also holds ISO/IEC 27001. Ask each vendor for the report under NDA before you sign; security reviews usually want the latest one.
  • Working offline: Rippling works offline only in part; OnPay doesn’t document an offline mode. Details are in the Offline mode row above.
  • In the office: Rippling: Rippling Time & Attendance runs a Kiosk for shared clock-in and out, and the Kiosk has an offline mode.

OnPay: worth knowing

  • SecurityOnPay's single sign-on lets users log in with Google, QuickBooks or Xero credentials; no SAML connection to a company identity provider is documented. source
  • SecurityEach employee profile has a History > Audit Log of actions involving that employee, but it only shows the last 30 rows. source
  • RemoteEmployees can check pay, hours and PTO from the OnPay Mobile app on iOS and Android; the app is for employees, not admins. source
  • RemoteOutside accountants and bookkeepers can manage client payroll remotely as Outside Collaborators instead of sharing the owner's login. source

Rippling: worth knowing

  • RemoteDevice offboarding follows HR offboarding, so admins can schedule when a remote employee's laptop is locked and wiped. source
  • SecurityRippling IT includes identity and access management with custom SCIM and SAML integrations for provisioning and SSO to other apps. source
  • OfflineThe Kiosk's offline mode lets hourly staff keep clocking in and out during internet outages. source

Checked September 24, 2026 against each vendor’s own trust center, help docs and app pages. Hover or tap “source” to see the exact wording we relied on. “Not published” means we could not find the vendor saying it on its own site; it doesn’t mean the feature is missing. Plan names are the lowest plan the vendor says includes the feature. Security · Offline · Remote vs office · Download the data

Frequently Asked Questions

Why doesn’t Rippling publish pricing?

Rippling is a modular platform — payroll, IT device management, benefits and spend management are separate products — and its price is quoted based on which modules and how many employees you select.

Is OnPay cheaper than Rippling?

Likely, for teams that only need payroll and HR — OnPay’s published price is $49 + $6/worker. There’s no published Rippling price to compare directly; request a quote to know for certain.

Can I sign up for Rippling without talking to sales?

No, based on its published pricing page, which offers no self-serve checkout.

Does Rippling do more than payroll?

Yes — it also offers IT device management, benefits administration and spend management as modules, which OnPay does not offer.

Migration Guides

Already decided? Here’s how to actually switch.

Step-by-step migration guides covering what transfers automatically, what doesn’t, and how to handle the gap — in both directions.

Switching from OnPay to Rippling Switching from Rippling to OnPay
Editorial assessment

When to Buy — and When to Walk Away

Every “best payroll and HR tool” listicle tells you why to buy. Here’s the other half: the specific conditions under which OnPay or Rippling is the wrong purchase for your team.

OnPay

Buy OnPay if:

  • You want a fully transparent, published price
  • You only need payroll and HR, not IT management
  • You want to sign up without a sales call

Do NOT buy OnPay if:

  • You want IT device management in the same platform
  • You want a modular multi-product system
  • You are already committed to unifying HR and IT

Rippling

Buy Rippling if:

  • You want payroll, HR, IT and benefits unified
  • You need IT device management alongside payroll
  • You’re prepared for a sales-quoted purchase process

Do NOT buy Rippling if:

  • You want to see a price before talking to anyone
  • You only need straightforward payroll and HR
  • You want the fastest possible self-serve signup

Canonical data for the tools on this page

Every pricing fact, rating, AI billing model and switching guide we hold on each tool, on one page, with the date each figure was last verified.

OnPayPricing, free plan, AI cost & every comparison›RipplingPricing, free plan, AI cost & every comparison›
OnPay vs GustoHead-to-head comparisonGusto vs RipplingHead-to-head comparison

Sources

Prices on this page were recorded from each vendor’s own pricing page on the date shown at the top of the page. Vendors change pricing often — check the live source before you buy.

Every figure is also in our open dataset (JSON and CSV, CC BY 4.0), with its source page and verification date. See how we research pricing.

Cite this page: HelpCompare, “OnPay vs Rippling”, helpcompare.com/onpay-vs-rippling/ (updated ).

Source links on this site are checked every month; last check . How sources are checked.

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Run payrollHire and onboard employeesTrack time off and leaveGet ready for taxesPay bills and vendors on timeTrack time and billable hoursSchedule staff shiftsAll 50 job guides
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01 · CompareWhich tool fits your team, side by side.133 comparisons 02 · Price & approveSourced, dated pricing and a one-page brief for sign-off.Decision brief 03 · SwitchWhat moves, what you rebuild, what it costs.264 guides 04 · ShareDownload and cite the data. CC BY 4.0.Open data
Bill Belcamino, founder of HelpCompare
About the author

Bill Belcamino

Founder and author, HelpCompare

Engineer by training, operator by experience, marketer by choice. Bill spent eight and a half years as an engineer at HP, was COO of Auctiva (the number one third-party selling platform on eBay, past 200,000 users) and ran Google’s $70M/year search syndication partnership at Alot.com. Then he spent 13 years building his own web properties with his own money at stake. He has bought, trialled, integrated and cancelled more SaaS tools than he can count, and started HelpCompare because the real cost of switching tools is the part nobody covers.

“I’ve sat on both sides of the table: the agency recommending the tool and the client paying for it.”

Researched and fact-checked by the HelpCompare team. Pricing on this page was last verified on September 23, 2026. No paid sponsorships, no affiliate commissions.

Read Bill’s story How we verify pricingSpot an error? Tell Bill