Ontop
Hire globally. Get paid anywhere.
- Countries150+
- PriceStarting from $49/month
- Founded—
- HQNot publicly stated
Payroll
Best for
- companies paying independent contractors across many countries
- teams that want a published, low entry price rather than quote-only pricing
- contractors who want a funded account and card alongside payouts
Not ideal for
- companies that need to employ staff abroad via an EOR
- buyers who require published security certifications (SOC 2 / ISO 27001) up front
- teams wanting a fully disclosed entity model or guaranteed onboarding SLA
Reviewed: 2026-06-29
ChatGPT 
Perplexity 
Claude 
Grok 
Google AI Mode Our verdict
A contractor-payments-first platform that pays workers in 150+ countries and bundles a financial account and card for the contractor. It deliberately positions against EOR ('Global hiring doesn't need EOR'), so it fits contractor-heavy teams rather than companies needing to employ staff abroad.
- Standout feature
- Published entry price ('Starting from $49/month') plus a worker-facing Global Account and Visa card — most rivals quote only on request and stop at the payout.
- Biggest limitation
- It is not an employer of record and publishes no security certifications (no SOC/ISO/GDPR stated), and a low Trustpilot score (3.1) is a real trust signal for a money-movement product.
Key facts
| Countries covered | 150+ Homepage states 'Run payroll across 150+ countries' and 'Hire in 150+ countries'. Recorded as 150 (the stated '150+' headline floor). · source |
|---|---|
| Entity model | — Ontop does not publicly disclose owned vs partner entity counts. Left empty. |
| Onboarding time | Not publicly stated No onboarding/time-to-pay figure is stated on official pages. Marketing claims 'Global USD payments, in seconds' for payouts, but no onboarding SLA. Left as 'Not publicly stated'. |
| Payroll markets | — |
| Currencies | — Ontop markets 'multi-currency payouts' but does not state a specific number of currencies. Omitted. · source |
| Integrations | — No integration names or count are stated on the official pages reviewed. Left empty. |
| Security & compliance | — No security/compliance page resolved (getontop.com/security returns 404) and no SOC/ISO/GDPR certifications are stated on the official pages reviewed. Left empty rather than assumed. |
| Support | WhatsApp, Live chat (in-app), Email ([email protected]), Help Center |
Payouts and documents
- Payout speed
- 80% of transfers instant
- Batch payouts
- yes
- Documents issued
- Contracts + tax forms, automated
- Contractor onboarding
- Onboarding under 15 min
Coverage, as documented
Ontop publishes pages for 158 countries, listed below.
Armenia, Azerbaijan, Georgia, Kazakhstan, Moldova, Tajikistan, Turkmenistan, Uzbekistan
Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland
more34
France, Germany, Gibraltar, Greece, Greenland, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Turkey, United Kingdom
Aruba, Bahamas, Barbados, Belize, Bermuda, Bolivia, Canada, Cayman Islands, Colombia, Curacao, Dominican Republic, El Salvador
more11
Guatemala, Guyana, Haiti, Honduras, Jamaica, Paraguay, Puerto Rico, Saint Lucia, Suriname, Trinidad and Tobago, United States
Australia, Bangladesh, Bhutan, Brunei, Cambodia, China, Fiji, Hong Kong, India, Indonesia, Japan, Laos
more18
Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, Pakistan, Papua New Guinea, Philippines, Samoa, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Timor-Leste, Vietnam
Algeria, Angola, Bahrain, Benin, Botswana, Burkina Faso, Cameroon, Cape Verde, Comoros, Djibouti, Egypt, Eswatini
more39
Ethiopia, Gabon, Gambia, Ghana, Guinea, Israel, Ivory Coast, Jordan, Kenya, Kuwait, Lebanon, Lesotho, Liberia, Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Nigeria, Oman, Palestine, Qatar, Rwanda, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, Tanzania, Togo, Tunisia, Uganda, United Arab Emirates, Zambia, Zimbabwe
Read fromgetontop.com/blog/payroll-in-colombia-guide · checked
Pricing
| Plan | What you get | Price |
|---|---|---|
| Contractor of Record | Hire in 150+ countries with global USD payments; contracts, taxes and local regulations 'managed automatically'. Page shows a strikethrough '$63.2/month' next to the 'Starting from $49/month' rate. | Starting from $49/month |
Ontop's pricing page presents a single 'Contractor of Record' tier 'Starting from $49/month' (with a strikethrough $63.2/month). It also claims 'Up to 80% lower fees and up to ~3% more money delivered to your workers on every payout'. No further published tiers were found (getontop.com/pricing, checked 2026-06-29).
What it costs at your volume
One basket for all of them: 10 contractors at $3,000 a month, so $30,000 of payouts a month. A percentage of volume and a per-seat fee cannot be compared any other way.
Ontop: $49 a month, $588 a year. Nothing comparable came out cheaper.
| Platform | How it charges | Per month | Per year | Published price |
|---|---|---|---|---|
 Ontop | flat monthly | $49 | $588 | Starting from $49/month |
 Skuad | per contractor | $190 | $2,280 | Starting from $19 per contractor/month |
 Native Teams | per contractor | $190 | $2,280 | Starts at $19/per contractor per month |
 Papaya Global | flat monthly | $300 | $3,600 | From $300/mo + $2.5 per transaction |
Pros
- pays contractors in 150+ countries with multi-currency payouts
- publishes an entry price ('Starting from $49/month') where most peers are quote-only
- worker-facing Global Account and Visa card included
- clear, multi-channel support (WhatsApp, live chat, email, Help Center)
Cons
- no Employer of Record — explicitly positions against EOR
- no security certifications stated on official pages (SOC/ISO/GDPR not published)
- despite the 'Contractor of Record' name, does not act as the contracting party — clients use their own agreements with contractors
- owned-vs-partner entity model and onboarding time not disclosed
- low Trustpilot rating (3.1) relative to peers
How it compares
The closest platforms in the same categories, on the facts each one publishes.
| Ontop | Papaya Global | Skuad | Native Teams | |
|---|---|---|---|---|
| Editorial score | 7.6/10 | 8.2/10 | 8/10 | 7.9/10 |
| User rating | 3.95/5 | 4.35/5 | 4.57/5 | 4.7/5 |
| Countries covered | 150+ | 160+ | 160+ | 95+ |
| Employer of Record | No | Yes | Yes | Yes |
| Contractor of Record | No | Yes | No | Yes |
| Contractor management | Yes | Yes | Yes | Yes |
| Global payroll | Yes | Yes | Yes | Yes |
| Onboarding time | Not publicly stated | Vendor claim: bulk onboarding of up to 1,000 EOR workers at one time; no per-worker time SLA stated | Not publicly stated | Not stated as a number; vendor claims '3x faster onboarding' (relative claim only) |
| Lead plan | Starting from $49/month | From $599/mo per employee | Starting from $199 per employee/month | Starts at $19/per contractor per month |
What AI assistants say
We’ll publish AI-assistant assessments here soon. Editorial scores are independent of AI snapshots.
In-depth review
Ontop is a global contractor-payments platform that pays independent contractors in 150+ countries with multi-currency payouts, plus a worker-facing Global Account and Visa card. It markets a “Contractor of Record” product and explicitly positions against EOR, so it best fits contractor-heavy teams rather than companies that need to employ staff abroad.
Frequently asked questions
How many countries does Ontop cover?
Ontop states it can run payroll and pay contractors across 150+ countries (getontop.com, checked 2026-06-29).
Does Ontop offer an Employer of Record (EOR)?
No. Ontop explicitly positions against EOR ('Global hiring doesn't need EOR'; 'Go global, without the EOR tax'), so it is a contractor-payments and Contractor-of-Record platform rather than an EOR (getontop.com, checked 2026-06-29).
How much does Ontop cost?
Ontop's pricing page lists a Contractor of Record tier 'Starting from $49/month' (with a strikethrough $63.2/month) and claims 'Up to 80% lower fees' (getontop.com/pricing, checked 2026-06-29).
Does Ontop act as a Contractor of Record?
Ontop brands its product 'Contractor of Record' and says it 'acts as the intermediary', but its pricing page tells clients to 'work directly with your contractors' using 'your own agreements or Ontop templates', so Ontop does not act as the contracting party for the contractor and we do not list it as a Contractor of Record (getontop.com/pricing, checked 2026-09-28).
Sources
Every fact above comes from Ontop's own pages. These are the ones we read, and when.
- getontop.com/pricing checked 20 August 2026
- getontop.com checked 20 August 2026
- getontop.com/why-ontop checked 20 August 2026
- getontop.com checked 29 June 2026