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Head-to-head · Direct Deposit Payroll

OnPay vs Wagepoint

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score OnPay #3 in Direct Deposit Payroll 8.8/10 30-day trial Free trial✓ 2 of 2 features Visit OnPay
Wagepoint #6 in Direct Deposit Payroll 8.4/10 14-day trial Free trial✓ 1 of 2 features Visit Wagepoint

OnPay leads on 0 checks, Wagepoint on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreOnPay · 8.8/10
  • Free trialboth
  • Most featuresOnPay · 2 of 2

OnPay scores higher on our rubric for direct deposit payroll: 8.8 against 8.4 out of 10; our editors rank them #3 and #6.

OnPay is the better fit for small employers with multi-state payroll needs. Wagepoint is the better fit for canadian small businesses managing payroll and remittances.

  • OnPay fits best

    Small employers with multi-state payroll needs

  • Wagepoint fits best

    Canadian small businesses managing payroll and remittances

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Side by side

Feature OnPay 8.8/10 Visit ↗ Wagepoint 8.4/10 Visit ↗
At a glance
Editor score 8.8 8.4
Ranking #3 in Direct Deposit Payroll #6 in Direct Deposit Payroll
Best for Small employers with multi-state payroll needs Canadian small businesses managing payroll and remittances
Pricing model Paid Paid
Starting price — CA$20/mo
Free plan — —
Free trial 30 days 14 days
Free trial length 30 days 14 days
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Support Phone, Email, Live chat, Docs Email, Phone, Live chat, Docs
Compliance 2FA, SSO/SAML SOC 2, 2FA
Integrations 5 integrations 3 integrations
Built for Small business, Mid-market Small business, Mid-market
Features OnPay 2/2 · Wagepoint 1/2
Payroll tax filing ✓ ✓
Employee self-service ✓ (best) Not checked yet
Specs
Pay frequency Not checked yet Not checked yet
Deposit speed Not checked yet Not checked yet
Payroll countries Not checked yet Not checked yet
Employee limit Not checked yet Not checked yet
Our review
Pros
  • Runs payroll across all 50 states with tax filings and payments
  • Supports W-2 employees, 1099 contractors, tips, and overtime
  • Offers unlimited pay runs, multiple schedules, and employee self-service
  • Calculates federal, provincial and territorial payroll taxes
  • Supports CRA remittances, T4s, T4As and Records of Employment
  • Offers employee self-service and accounting integrations
Cons
  • HR, time tracking, compliance, and live HR support are add-ons
  • No ongoing free plan is available
  • 24/7 support is not offered
  • Serves Canadian businesses, limiting its fit outside Canada
  • Solo limits users to one payroll run and one pay group monthly
  • Pricing adds a per-employee or contractor fee to the monthly base
Our verdict

OnPay is a cloud-based payroll and HR service for small businesses, restaurants, and bars. It handles W-2 employees and 1099 contractors, with direct deposit, checks, and prepaid debit cards for employee payments. Payroll Essentials…

Read the review →

Wagepoint is cloud-based payroll software for Canadian small businesses, bookkeepers and accountants managing employee or contractor pay. Direct deposit sits alongside payroll tax calculations and remittances, CRA filing and remittance…

Read the review →
  1. OnPayDirect Deposit Payroll 8.830-day trial
  2. WagepointDirect Deposit Payroll 8.414-day trial

Strengths and trade-offs

  • OnPay — where it wins

    • Runs payroll across all 50 states with tax filings and payments
    • Supports W-2 employees, 1099 contractors, tips, and overtime
    • Offers unlimited pay runs, multiple schedules, and employee self-service

    Where it doesn't

    • HR, time tracking, compliance, and live HR support are add-ons
    • No ongoing free plan is available
    • 24/7 support is not offered

  • Wagepoint — where it wins

    • Calculates federal, provincial and territorial payroll taxes
    • Supports CRA remittances, T4s, T4As and Records of Employment
    • Offers employee self-service and accounting integrations

    Where it doesn't

    • Serves Canadian businesses, limiting its fit outside Canada
    • Solo limits users to one payroll run and one pay group monthly
    • Pricing adds a per-employee or contractor fee to the monthly base

More comparisons

All direct deposit payroll comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update