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QuickBooks Online vs OnPay Comparison (2026)

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QuickBooks Enterprise

4.5

Xero

4.4

NetSuite

4.2

Good recommendations?

QuickBooks Online

OnPay

Overview

QuickBooks Online offers accounting with financial dashboards, invoice creation, online payment acceptance, expenses tracking, payroll & more.

OnPay is an easy-to-use, cloud-based software for small and mid-sized businesses to simplify payroll, automate taxes, and manage HR backed by reliable, expert support.

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Video & Screenshots

Pricing

Starting from

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

/user

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.3

8.5K

4.8K

2.5K

724

197

275

Value for money

Ease of use

Features

Customer support

73%

would recommend this app

4.8

471

421

Value for money

Ease of use

Features

Customer support

95%

would recommend this app

Pros

“I like it’s financial reporting since with it we can get solid library of built in reports plus real time dashboards that makes it easy to track profit,expenses and cashflow without the need of our accountant.”

Nerisha B.

Senior Bookkeeper

“The software generates reports with their famous features to trap a budget with income and expenses account, provide timely bills to customers.”

Andrew B.

Managing Partner

“It's user-friendly, reliable, and makes managing accounting tasks such as invoicing, expense tracking, bank reconciliation, and financial reporting much more efficient. While there are occasional issues with customer support and pricing, it has been a valuable tool for managing our business finances.”

Rachel W.

Accounting

Pros

“The platform provides a safe environment for managing payroll records, tax documents, direct deposit information, and personnel files while maintaining appropriate levels of user access and privacy.”

Brenda B.

Executive Director

“Employees can easily track hours worked, monitor attendance, request paid time off, and review leave balances.”

Brenda B.

Executive Director

“he service automatically handles all federal, state, and local tax calculations and filings with an accuracy guarantee, which provides peace of mind for business owners and saves significant time.”

Cory R.

outside sales

Cons

“My account was suspended due to an expired credit card. When I tried to log in to update my billing and proactively downgrade my subscription from their expensive tier to a $410/year plan, the system locked me out and refused to let me change plans without first clearing the balance of the old, higher rate.”

Kristen D.

None

“Currently, I am unable to post a payment to a clients account that has multiple open invoices because as soon as I click in another field, it places the payment on a different invoice. ”

Deborah E.

Owner, Accounting, Administration

“Limitations with check printing: can’t customize templates or account info, must buy pre-printed checks, which adds cost, risk of errors, and paper waste.”

Vanessa B.

Bookkeeper

Cons

“The only thing I didn’t like is that if there was anything wrong with payroll in any particular week, they completely lock you out of the account until it’s fixed.”

Aaron C.

Owner

“First years super good, but the situation with the reemployment tax that had to be made by them, and they didnt care or help us with that, so that made us change the payroll company, so bad experience overall”

Marcela O.

Owner

“Everyone is nice but this has been a frustrating process. If you have never done payroll before I would use a different company, this has been a lot.”

Kallie M.

Office Manager