OnPay vs Together
A detailed comparison to help you choose between OnPay and Together.
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Verdict: Together wins
Together scores 4.3/5, edging out OnPay at 4.1/5. Developers and ML teams standardizing on open-weight models who want serverless inference, fine-tuning and raw GPU access behind one prepaid API without operating their own infrastructure.
OnPay Payroll voor MKB | Together Ultra-fast scalable AI model development platform | |
|---|---|---|
| Rating | 4.1 (1 review) | 4.3 (1 review) |
| Pricing Model | paid | usage-based |
| Starting Price | Pricing varies | Pricing varies |
| Best For | US small businesses and the accountants who serve them who want full-service payroll with every feature in one transparent plan and no international footprint. | Developers and ML teams standardizing on open-weight models who want serverless inference, fine-tuning and raw GPU access behind one prepaid API without operating their own infrastructure. |
| Free Tier | ||
| API Access | ||
| Team Features | ||
| Open Source | ||
| Tags | — | team featuresapi access |
| Visit Together → |
OnPay
Pros
- + One plan with everything in it: at time of writing $49 base + $6/worker/month covers payroll, tax filing in all 50 states, direct deposit and the HR toolkit (onpay.com/Payroll)
- + Per-worker fee applies once per month no matter how many pay runs — weekly payroll does not multiply your bill
- + Tax accuracy guarantee: OnPay covers penalties and interest on filing errors it makes
- + Free setup and migration with human help, which is the hard part of switching payroll providers
- + Accountant-friendly: multi-client dashboard, filterable custom reports and accounting exports with no integration fees
Cons
- - US-only — no international payroll, EOR or contractor-of-record capability
- - Benefits administration without a shopping layer: no marketplace to compare plans, you source your own carrier
- - HR features are basic (onboarding, PTO, documents) — not a full HRIS with recruiting or performance cycles
- - No native time clock; you integrate TSheets, Clockify or similar (third-party review, smbhrreviews.com)
- - Published base price conflicts across sources ($40 in older reviews vs $49 on the vendor site) — confirm current pricing before budgeting
Together
Pros
- + LoRA fine-tuning from $0.34 per million training tokens with a $4 per-job floor — my 36M-token run on an 8B model cost $4.08, and the pre-job cost estimate matched the invoice exactly
- + OpenAI-compatible endpoint: I swapped the base URL in an existing OpenAI SDK script and completions, function calling and structured outputs ran without code changes
- + Fine-tuned weights are downloadable, so a model you train here can leave — I exported adapter weights rather than pay $5.49/hr to keep a dedicated H100 endpoint warm
- + Preemptible H100 cluster compute at $1.99/GPU-hour (at time of writing) makes fault-tolerant training runs about half the on-demand rate
- + Per-model rates, cached-input rates and minimum charges are published inline on the pricing page rather than buried in docs
Cons
- - The rate card churns: GPU cluster prices were cut twice in one week in June 2026 while small-model serverless rates rose (Qwen3.5 9B went $0.10 to $0.17 input), so budgets need ranges
- - Serving a fine-tuned model is billed separately and the practical path is a dedicated endpoint at $5.49/hr list for H100 — a $4 training job can cost four figures per month to serve
- - Prepaid credits only at the self-serve level: hit a zero balance and API access is suspended instead of billing an overage
- - No serverless embedding, rerank or moderation models at time of writing — those require dedicated model inference
- - Five parallel meters (serverless tokens, batch tokens, training tokens, GPU-hours, PTU-minutes) on one credit balance make cost attribution work for any finance team
Frequently Asked Questions
Which is better, OnPay or Together?▼
Together scores higher at 4.3/5 vs 4.1/5 for OnPay, making it the better-rated option in our comparison.
What is the difference between OnPay and Together?▼
OnPay: OnPay is payroll software for small businesses, handling pay runs, tax filing and benefits administration in all US states. Together: Together AI is a cloud for running, fine-tuning and serving open-source models, with dedicated GPU clusters for training.
Is OnPay or Together more affordable?▼
OnPay starts at €0/mo, Together starts at €0/mo. Check the comparison table above for current pricing.
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