---
title: Ontop Reviews
meta_title: 'Ontop Reviews 2026: Details, Pricing, & Features | G2'
meta_description: Filter 208 reviews by the users' company size, role or industry
  to find out how Ontop works for a business like yours.
aggregate_rating:
  rating_value: 4.4
  review_count: 208
  scale: '5'
date_modified: '2026-06-17'
parent_category:
  name: HR
  url: https://www.g2.com/categories/hr
---

# Ontop Reviews
**Vendor:** Ontop  
**Category:** [Global Payroll Software](https://www.g2.com/categories/global-payroll)  
**Average Rating:** 4.4/5.0  
**Total Reviews:** 208
## About Ontop
Ontop is a comprehensive global workforce management solution designed to facilitate the hiring, payment, and rewarding of remote teams across more than 150 countries. This platform addresses the complexities associated with managing a distributed workforce, offering a seamless experience that eliminates common challenges such as compliance issues and payment delays. By leveraging advanced technology and a user-friendly interface, Ontop empowers businesses to build and manage their global teams effortlessly. The target audience for Ontop includes businesses of all sizes looking to expand their operations internationally and hire talent from diverse geographical locations. Companies that operate in a remote-first environment or those that require specialized skills from around the world will find Ontop particularly beneficial. The platform is designed for HR professionals, finance teams, and business leaders who seek to streamline their hiring and payroll processes while ensuring compliance with local regulations. Key features of Ontop include instant hiring capabilities, which allow organizations to onboard talent quickly and efficiently. The platform utilizes smart contracts and automated compliance checks to eliminate legal roadblocks, enabling businesses to focus on growth rather than administrative burdens. Additionally, Ontop offers a robust global payment network that ensures employees receive their salaries promptly and in their preferred currencies, reducing the friction often associated with international payments. Moreover, Ontop prioritizes compliance, providing businesses with peace of mind through its dedicated legal experts who manage payroll regulations across multiple jurisdictions. This feature is particularly valuable for companies that may not have the resources to navigate the complexities of international labor laws. Beyond payroll, Ontop enhances the remote work experience by offering additional perks, such as a Visa card with cashback rewards and premium benefits that foster employee engagement and satisfaction. Ontop stands out in the global workforce management category by offering a holistic solution that simplifies hiring and payment processes while ensuring compliance and enhancing employee experiences. By choosing Ontop, organizations can effectively manage their global teams, allowing them to thrive in the evolving landscape of remote work.



## Ontop Pros & Cons
**What users like:**

- Users love the **ease of use** of Ontop, facilitating quick account setup and effortless team payments. (52 reviews)
- Users appreciate the **easy payments** feature of Ontop, enjoying seamless transactions for their global teams. (43 reviews)
- Users appreciate the **convenience** of Ontop for easy fund transfers, low fees, and quick account setup. (41 reviews)
- Users value the **fast transaction speed** of Ontop, enabling immediate transfers and seamless international payments. (24 reviews)
- Users value the **fast transactions** with Ontop, enjoying seamless and instantaneous payments to their local bank accounts. (18 reviews)
- Helpful (17 reviews)
- Easy Setup (16 reviews)
- Simple (16 reviews)
- Timely Payments (16 reviews)
- Users appreciate the **quick and helpful customer support** of Ontop, enhancing their overall experience with the product. (14 reviews)

**What users dislike:**

- Users report occasional **card downtime** and app issues, causing delays in transactions and topping off balances. (18 reviews)
- Users experience **payment delays** that can hinder their overall satisfaction with Ontop's services. (14 reviews)
- Users report challenges with the **payment process** , including limited payment options and unclear transaction details. (14 reviews)
- Users feel that Ontop's **customer support is poor** , leading to slow response times and tedious processes. (14 reviews)
- Users face **banking issues** such as difficult communication, limited payment options, and frustrating currency exchange discrepancies. (12 reviews)
- Users experience **payment issues** with Ontop, facing frequent rejections and frustrating refund delays. (12 reviews)
- Users are frustrated with **transfer issues** on Ontop, struggling to move funds to PayPal or US accounts. (12 reviews)
- Geographical Limitations (9 reviews)
- High Fees (7 reviews)
- Technical Issues (7 reviews)

## Ontop Reviews
  ### 1. Effective for Global Payments with LatAm Focus, but Needs UI Improvements

**Rating:** 3.0/5.0 stars

**Reviewed by:** Cory M. | COO, Mid-Market (51-1000 emp.)

**Reviewed Date:** April 30, 2026

**What do you like best about Ontop?**

I really appreciate that Ontop is built with a LatAm first approach. Even though our company is headquartered in the United States, having a large back office in LatAm makes it crucial for us to leverage local talent without geographic constraints. Ontop does a great job of integrating best practices from other payroll processing groups to cater to the LatAm market effectively. It also simplifies the process of paying contractors from various countries, particularly in Latin America, and ensures they can be paid in their local currency or methods they can easily utilize. This aspect of Ontop helps us monetize skillsets from talent firms that are bilingual in English and Spanish.

**What do you dislike about Ontop?**

It's a little bit clunky, and it seems to require some ongoing manual processing for payroll or vendor payment runs. Multiple steps. Contracts are generally okay, but could be better or more intuitive. Like, contract templates could be more intuitive.

**What problems is Ontop solving and how is that benefiting you?**

Ontop helps us pay contractors worldwide, especially in Latin America, in local currency. It simplifies payments by integrating with various systems, letting us easily monetize their skills.

**Official Response from Mateo Alvarez:**

> Cory, glad Ontop is working for your LatAm team and making cross-border payments actually usable. The feedback on manual steps in payroll runs and contract templates is specific and fair. That's exactly the kind of friction we're focused on reducing. I'll make sure this gets in front of the right people.

  ### 2. Effortless Multi-Country Payroll with an Intuitive Interface

**Rating:** 4.5/5.0 stars

**Reviewed by:** Maria S. | Product designer, Small-Business (50 or fewer emp.)

**Reviewed Date:** January 07, 2026

**What do you like best about Ontop?**

What I like most about Ontop is how easy and intuitive the platform is to use. Managing multi-country payroll feels simple and well-organized, even when dealing with different currencies and payment methods. The interface is clean, the processes are clear, and everything is designed to save time and reduce friction for both companies and collaborators.

**What do you dislike about Ontop?**

Some features could benefit from additional customization or more detailed documentation, especially for advanced use cases. However, the team is always open to feedback and continuously improving the product, so these feel more like opportunities for growth than real issues.

**What problems is Ontop solving and how is that benefiting you?**

Ontop streamlines the process of paying international contractors by bringing payments, compliance, and documentation together in a single platform. This consolidation eases operational burdens, reduces the likelihood of mistakes, and provides reassurance to both our company and our collaborators. Consequently, we are able to expand globally at a much faster pace and dedicate more attention to growing the business, rather than being preoccupied with payroll logistics.

**Official Response from Mateo Alvarez:**

> Maria, this captures exactly what we're building toward: multi-country payroll that just works, without the operational weight. The feedback on customization and documentation is well taken. Those are areas we're actively investing in. Really appreciate you sharing both sides.

  ### 3. Easy and Smooth Experience for International Payments

**Rating:** 5.0/5.0 stars

**Reviewed by:** Luis Miguel A. | Cofunder, Small-Business (50 or fewer emp.)

**Reviewed Date:** January 22, 2026

**What do you like best about Ontop?**

Ontop is very easy to use and makes paying international contractors simple and stress-free. The platform is straightforward and easy to navigate, onboarding is quick, and the overall process runs smoothly from start to finish. Customer support is responsive and consistently helpful whenever questions come up, which makes the experience even easier.

**What do you dislike about Ontop?**

There’s not much to dislike. Some features could be expanded over time, but overall the platform does exactly what it promises and works reliably for global payments.

**What problems is Ontop solving and how is that benefiting you?**

My overall experience with Ontop has been very positive. I’ve used the platform both as a client and as a contractor, and in both roles everything has felt smooth and reliable. Payments are straightforward to manage, the interface is intuitive, and the overall process feels transparent from both sides. Overall, it’s a solid solution for companies and workers operating across borders.

**Official Response from Mateo Alvarez:**

> Luis Miguel, thank you for sharing this. Hearing from someone who's been on both sides of the platform, as a client and a contractor, means a lot. That dual perspective is exactly what we build for: a seamless experience no matter where you sit in the workflow. We're always working to expand what's possible, so stay tuned.

  ### 4. Impeccable Transparency, Support Can Improve

**Rating:** 3.5/5.0 stars

**Reviewed by:** WENDELL C. | Senior Guest Experience Consultant, Small-Business (50 or fewer emp.)

**Reviewed Date:** March 31, 2026

**What do you like best about Ontop?**

I like the transparency in the hiring and payment process that Ontop offers. The payroll is very detailed, which makes a big difference in daily life. Having clarity about each amount, deductions, and fees gives me confidence that everything is being processed correctly, without surprises. I also found the initial setup process very easy and accessible, as all questions were clarified before the contract was signed.

**What do you dislike about Ontop?**

The customer service and support take days to respond, and the answers are generally not objective. I miss having a direct phone line or a real-time chat that doesn't take 24 hours or more to respond.

**What problems is Ontop solving and how is that benefiting you?**

Ontop helps to receive payments clearly for remote work, with transparency in the hiring process and detailed payroll, ensuring clarity about amounts, discounts, and fees, which gives me security.

**Official Response from Mateo Alvarez:**

> Hi there, thank you so much for the honest breakdown. We are thrilled to hear that our detailed payroll and easy setup are giving you the confidence you need to work remotely without the "fee surprise" headache. That clarity is exactly what we aim for.

On the support side: we hear you loud and clear. Waiting 24 hours for a response is not the speed we want to be known for, and we know that vague answers can be even more frustrating than the wait itself.

To fix this, we are currently doing two things: scaling our support team to slash those response times and implementing new training focused on direct, objective problem-solving. We want our support to be just as impeccable and transparent as our payroll tech.

We appreciate you calling this out. It helps us get better, and we are committed to making sure your next interaction with us is much faster.

  ### 5. Off-Hours Transfer Delays Undermine Trust in OnTop

**Rating:** 2.0/5.0 stars

**Reviewed by:** Renato L. | System Administrator / SalesForce Consultant, Small-Business (50 or fewer emp.)

**Reviewed Date:** March 02, 2026

**What do you like best about Ontop?**

I like the interest-earning account, the card for spending the money, and the multi-currency account option (currently in development).

**What do you dislike about Ontop?**

I currently receive payments through OnTop, and several colleagues in my company also use the platform. I wanted to share a piece of feedback that has been discussed internally among many of us and that I have also seen mentioned online.

Many of us live in different countries and often request transfers outside of your business hours. In these cases, the transfer status shows as “sent”, but the funds take a long time to reach the destination, even when the transfer is in the same currency. I understand the longer timeframe indicated in the app, however there is a clear inconsistency: when a transfer is requested during your business hours, it frequently arrives the same day.

In fact, it is common for a transfer requested during business hours to arrive before another one that was requested earlier but outside business hours. This gives the impression that transfers initiated outside business hours are not being properly processed or queued, and sometimes they only move forward after we contact support to ask for the transfer to be completed.

Because of this behavior, many users end up reporting the issue to the companies that hire us rather than directly to OnTop. As a result, companies may interpret the delays as a payroll reliability problem and decide to move to other providers. In my company, for example, most people have already switched to another platform, and I was one of the few who continued using OnTop.

I believe this is something that could likely be improved through better automation or handling of off-hours transfer requests. Addressing this would significantly improve user confidence and help retain and attract clients.

I am sharing this feedback constructively because the platform is useful overall, but this specific issue has a real impact on user trust and on companies’ decisions to continue using the service.

**What problems is Ontop solving and how is that benefiting you?**

They provide a global payroll solution that allows me to receive payments from a foreign company in a structured and compliant way, without needing to manage international contracts or complex banking arrangements myself. It also simplifies currency handling and access to funds, since I can receive, hold, and spend the money directly through the platform, including using the card and the account features.

**Official Response from Mateo Alvarez:**

> We hear you loud and clear (and we are already on it).

Hi there, Renato. First of all, thank you for being the one to stick with us and for laying this out so clearly. We do not take that kind of loyalty lightly.

You hit the nail on the head: the "pending" limbo during off-hours is frustrating, especially when it feels like later transfers are jumping the line. To be completely transparent with you, we are currently in the middle of a major push to automate our off-hour transfer handling. We know those traditional banking windows are a pain, and we are actively building the tech to bypass those delays so that "sent" means exactly that, no matter the time zone.

Your feedback is being shared directly with our product team today to help us refine these new flows. We want Ontop to be the reason your company stays, not the reason they look elsewhere.

Stick with us. We are making sure the platform works as hard as you do.

  ### 6. Easy Bank Transfers, Handy Card, and Great Reserve Discounts

**Rating:** 5.0/5.0 stars

**Reviewed by:** Nicole C. | CBM Business Analyst, Enterprise (> 1000 emp.)

**Reviewed Date:** May 14, 2026

**What do you like best about Ontop?**

I like that it is really easy to send your money to your bank account, also they have the option for you to use their card and also they have a program called Reserve where you get discounts.

**What do you dislike about Ontop?**

I think they can improve their exchange rate.

**What problems is Ontop solving and how is that benefiting you?**

I’m able to work as a contractor for clients in different countries, and it makes it easy to receive my payments.

  ### 7. Empowers Financial Flexibility Globally

**Rating:** 5.0/5.0 stars

**Reviewed by:** Sergio C.

**Reviewed Date:** February 10, 2026

**What do you like best about Ontop?**

I appreciate the flexibility Ontop offers, especially with the 'Reserve' plan that gives me 50% lower payout fees on fixed fees when transferring money. Using the Ontop card for everyday purchases and expenses allows me to earn up to 10% cashback, which was extremely valuable during a recent trip to Dubai where I earned almost $50 in just three days on regular expenses like meals and Uber rides. I might earn up to $200 more per month using the services and benefits they offer. Also, the onboarding experience is extremely intuitive and quick, allowing me to get started in less than a couple of hours.

**What do you dislike about Ontop?**

It's all great.

**What problems is Ontop solving and how is that benefiting you?**

Ontop lets me get my paycheck in US dollars and manage my money flexibly with a global account. I can pay bills and make daily purchases easily, earning cashback. The Ontop card functions worldwide, offering lower fees and the potential to earn more monthly.

**Official Response from Mateo Alvarez:**

> Thanks, Sergio. Glad you're enjoying your global account.

  ### 8. Reliable Payroll and Purchase Solution

**Rating:** 5.0/5.0 stars

**Reviewed by:** Franco L.

**Reviewed Date:** January 09, 2026

**What do you like best about Ontop?**

I use Ontop to get my payroll, make online purchases, and send money transfers to crypto accounts. I find it great that I can pay for something fast with the card and there's no need to make transfers out of the platform. I get my payroll there on time every month. I really like the card services and the support they offer. The card is useful for almost every online purchase I've tried, like paying for Uber, Rappi, and Steam, all without needing to move funds out of Ontop. Plus, the support is fast and reliable. The setup was super easy too.

**What do you dislike about Ontop?**

So far, nothing

**What problems is Ontop solving and how is that benefiting you?**

I use Ontop to get my payroll on time, make fast online purchases, and transfer money to crypto accounts without needing to move funds out. The card works for almost every online transaction, and the support is fast and reliable.

**Official Response from Mateo Alvarez:**

> Franco, this is great to hear. Payroll on time, card that works everywhere you actually spend, fast support, no friction. That's the full package working as it should. Appreciate you sharing the details on the real-world use cases too.

  ### 9. Flexible USD Balance with Instant Transfers—Ontop Feels Like a Real Bank Account

**Rating:** 5.0/5.0 stars

**Reviewed by:** Laura T. | SDR, Mid-Market (51-1000 emp.)

**Reviewed Date:** January 20, 2026

**What do you like best about Ontop?**

What I love most is the flexibility with my funds. Unlike other platforms that force you to withdraw immediately with bad exchange rates, Ontop allows me to keep my balance in USD and spend it directly using their global Visa card. It feels like a real bank account for remote workers. The transfers are instant, and the app is very user-friendly. It really helps me manage my income better and avoid losing money on fees.

**What do you dislike about Ontop?**

The digital card works perfectly instantly, but the delivery of the new physical card is taking a bit longer than expected to arrive at my specific location in Colombia.

**What problems is Ontop solving and how is that benefiting you?**

We were losing significant money on exchange rates and transfer fees using traditional banks and other wallets. Additionally, the process of collecting invoices from every single contractor was fragmented and messy for our accounting.

**Official Response from Mateo Alvarez:**

> Laura, this is exactly the kind of feedback we love to hear. Keeping your balance in USD, spending directly with the Visa card, avoiding unnecessary fees. That's the financial freedom we built the Global Account for. On the physical card delay, we hear you. Delivery timelines can vary by location and we're working to improve that experience. Hang tight, it'll be worth it.

  ### 10. Easy to Use, But Could Be Improved in Exchange Rate

**Rating:** 4.5/5.0 stars

**Reviewed by:** Claudia  L.

**Reviewed Date:** January 13, 2026

**What do you like best about Ontop?**

I like how easy it is to use my money with Ontop. The ability to transfer money between users helps me stay more connected with my friends. Additionally, the ease of moving my money in different currencies and having a physical/digital card is really useful, especially when I travel. The initial setup was quite simple; just follow the steps to verify yourself and once approved, everything starts working wonderfully.

**What do you dislike about Ontop?**

The exchange rate used by Ontop is not at all "fair" or comparable to other similar platforms. Sometimes the card tends to be declined at some establishments.

**What problems is Ontop solving and how is that benefiting you?**

Ontop allows me to receive money regardless of my location, makes it easy to move my money in different currencies, and provides a useful card for traveling. Additionally, I can transfer money between users, which helps me stay in touch with friends.

**Official Response from Mateo Alvarez:**

> Claudia, thank you for the kind words on usability. Simple setup, multi-currency flexibility, and a card that travels with you is exactly what we aim for. On exchange rates, that's fair feedback and something our team takes seriously as we continue to improve the financial experience. Card declines can sometimes come down to merchant configurations, but if it happens again, our support team can help you troubleshoot in real time.

  ### 11. Good feature for contractors

**Rating:** 4.0/5.0 stars

**Reviewed by:** Barbara F. | Legal Assistant, Small-Business (50 or fewer emp.)

**Reviewed Date:** October 08, 2025

**What do you like best about Ontop?**

The best thing about Ontop is the “Your Bills, Your Rules” feature. It allows you to pay for services, credit cards, and other bills directly with the funds in your account. As a contractor based in Argentina, I find this tool especially useful because I don't need to exchange currencies. It also has a prompt response when you need assistance.

**What do you dislike about Ontop?**

Sometimes it’s not that easy to use the “Your Bills, Your Rules” feature. You first have to register the service you want to pay for, but there’s no “Pay Now” button, there's just an option to edit the name of the payment. The process isn’t very intuitive. It usually takes a few tries for me to complete a payment. For example, if I want to pay in advance, the bill doesn’t appear, and when browsing the list of registered services, there’s no clear “Pay” option.

**What problems is Ontop solving and how is that benefiting you?**

I use it to pay my bills without needing to exchange currencies; there are no fees for paying bills which is great.

  ### 12. Seamless Payment Transfers and Excellent Support

**Rating:** 5.0/5.0 stars

**Reviewed by:** Shobhita R. | Enterprise Growth Manager

**Reviewed Date:** February 15, 2026

**What do you like best about Ontop?**

I love using Ontop to receive payments for my work as a contractor. I am able to transfer it seamlessly to my local bank account without any issues. I've faced no problems with any transfers despite using it for three years, and upon initiating a transfer, I receive the money in my bank account instantaneously. It's nice to be able to track my payment status within the app, and the customer support is great. The setup was very easy with clear steps, and the support team was very helpful.

**What do you dislike about Ontop?**

Nothing

**What problems is Ontop solving and how is that benefiting you?**

I use Ontop to receive payments as a contractor and transfer them seamlessly to my bank. It solves transfer issues by providing instant transactions and offers great tracking and support.

**Official Response from Mateo Alvarez:**

> Thanks, Shohbita. Glad you're enjoying the platform.

  ### 13. International Transactions Easily with Ontop

**Rating:** 5.0/5.0 stars

**Reviewed by:** Angelica P.

**Reviewed Date:** December 30, 2025

**What do you like best about Ontop?**

I love being able to receive money from abroad with Ontop. I also know that it allows companies to hire people abroad through Ontop, which is great. I like that it offers various benefits for workers, such as cashback and promotions. The card and the app are easy to use, which makes things much easier, and I always receive payments on time. The initial setup was very easy and I would definitely recommend it to a friend or colleague, I give it a 10.

**What do you dislike about Ontop?**

Well, it still doesn't work for Apple Wallet and there's no way to schedule transfers.

**What problems is Ontop solving and how is that benefiting you?**

I can receive payments from abroad, use a card for my funds and payments. Ontop makes it easy to hire staff abroad and offers benefits like cashback, discounts among others. The card and the app are easy and reliable for timely payments.

**Official Response from Mateo Alvarez:**

> Angelica, a 10 and a recommendation — that means a lot. Payments on time, easy card, cashback, simple setup. Great to hear it all lands well. Apple Pay and scheduled transfers are noted, these are exactly the kind of feature requests that shape our roadmap. Stay tuned, you might be surprised soon :)

  ### 14. Quick and Efficient Payments, But Card Could Be Improved

**Rating:** 4.5/5.0 stars

**Reviewed by:** Lucas V. | IT Manager, Mid-Market (51-1000 emp.)

**Reviewed Date:** December 03, 2025

**What do you like best about Ontop?**

I use Ontop to receive monthly payments from my company in the United States, and I also make use of the card they offer. I value the ease that Ontop provides for managing my work compensation, along with the possibility of obtaining cashback benefits from transactions. I love how modern and the new ideas that Ontop introduces; these features reinforce my interest in the service. Additionally, the processing of transfers is exceptionally fast, usually arriving one or two days earlier than promised, which regularly exceeds my expectations. Also, the initial setup was very simple for me as a worker: I just had to identify myself, provide my information and some documents, which made the process quite efficient.

**What do you dislike about Ontop?**

The card could have more benefits. Additionally, the cashback process does not satisfy me, as it usually has to be claimed, which makes me waste time.

**What problems is Ontop solving and how is that benefiting you?**

I use Ontop to manage my work compensation with ease and I get cashback benefits. I enjoy fast and effective transfers.

  ### 15. Quick, easy to use, and with instant currency conversion

**Rating:** 4.5/5.0 stars

**Reviewed by:** Mauricio P. | Freelance director creativo, Small-Business (50 or fewer emp.)

**Reviewed Date:** April 14, 2026

**What do you like best about Ontop?**

I like that it is very fast, it converts to the currency I want, and it is easy to use.

**What do you dislike about Ontop?**

that there is no option to pay with wallet on iOS.

**What problems is Ontop solving and how is that benefiting you?**

It resolves sending to my preferred bank in a short time and that benefits me a lot.

**Official Response from Mateo Alvarez:**

> Hey, Mauricio! Thanks for your review.

We hear you on the Apple Wallet thing! we're currently working on it and its coming very very soon. Keep an eye out👀 You'll love it!

  ### 16. Effortless Transactions and Stellar Support with Ontop

**Rating:** 5.0/5.0 stars

**Reviewed by:** Sudarshan K.

**Reviewed Date:** December 15, 2025

**What do you like best about Ontop?**

I appreciate Ontop's efficiency and reliability because fund transfers to my bank account are consistently faster than expected. I find the app smooth, intuitive, and extremely user-friendly, making every transaction effortless. The support team is exceptionally kind, attentive, and quick to assist whenever I face an issue. I truly value their Card services because I can make payments anywhere in the world without the hassle of currency conversion and earn attractive cashback rewards. The initial setup of Ontop was super easy and self-explanatory.

**What do you dislike about Ontop?**

I wish they allowed us to download the statements ourselves instead of depending on the support but it's not a major inconvenience.

**What problems is Ontop solving and how is that benefiting you?**

I use Ontop for fast fund transfers, reflecting efficiency and reliability. It's smooth and user-friendly, with great customer service. The Card services eliminate currency conversion hassles and offer cashback. Overall, it makes transactions effortless.

**Official Response from Mateo Alvarez:**

> Sudarshan, really glad the transfers, card, and support experience are all landing well. Self-serve statement downloads is a clear, reasonable ask and exactly the kind of thing we're working to add. Thanks for flagging it.

  ### 17. Effortless Global Hiring with Top-Notch Compliance Support

**Rating:** 4.0/5.0 stars

**Reviewed by:** Giuliana F. | Account manager, Mid-Market (51-1000 emp.)

**Reviewed Date:** February 19, 2026

**What do you like best about Ontop?**

This is a highly efficient solution that enables companies to hire globally while providing legal and compliance support.

**What do you dislike about Ontop?**

It may have some limitations depending on the country risk (political/economic situation). Overall, it’s a great product.

**What problems is Ontop solving and how is that benefiting you?**

I receive my compensation as a worker through the platform, and I appreciate that I can use it in several different ways. Overall, I find it to be a great solution.

  ### 18. Effortless Payments and Reliable USD Management with Ontop

**Rating:** 5.0/5.0 stars

**Reviewed by:** Haripriya V. | QA Engineer, Mid-Market (51-1000 emp.)

**Reviewed Date:** December 29, 2025

**What do you like best about Ontop?**

Ontop has made handling payments much easier for me by keeping the entire process simple and well-structured.The option to hold and use funds in USD is especially convenient, particularly for international use or travel. Onboarding was quick, and so far the platform has been reliable. Overall, Ontop delivers a smooth and practical experience that does exactly what it promises.

**What do you dislike about Ontop?**

One limitation is that a card is not available in certain countries, such as the UK. Having card access would make it much more convenient to shop and manage everyday expenses directly.

**What problems is Ontop solving and how is that benefiting you?**

Ontop simplifies international payments by making it easy to receive and manage funds without delays or unnecessary complexity. It saves me time and provides flexibility, especially through the ability to hold and use USD.

**Official Response from Mateo Alvarez:**

> Haripriya, glad the USD management and payment experience are delivering on what they promise. Card availability in the UK and similar markets is real feedback we're tracking as we expand coverage globally. Appreciate you flagging it.

  ### 19. Effortless Global Hiring and Payroll Made Simple

**Rating:** 5.0/5.0 stars

**Reviewed by:** Jeisson P. | Internal Auditor, Mid-Market (51-1000 emp.)

**Reviewed Date:** November 07, 2025

**What do you like best about Ontop?**

Ontop is a highly regarded, all-in-one platform for global workforce management, primarily praised for its efficiency in simplifying international hiring and payroll. It allows businesses to onboard and pay remote contractors and EOR employees swiftly while ensuring full legal and tax compliance across numerous countries. Its key benefits include a user-friendly interface, the provision of smart contracts, and the ability for remote workers to receive fast, transparent payments in USD via the Ontop Wallet and associated Visa card, making it an excellent solution for scaling global teams without administrative hassle.

**What do you dislike about Ontop?**

I genuinely feel that Ontop is one of the most compelling and robust solutions currently available. From my perspective, I have no overall negative observations regarding its core mission and functionality. It expertly tackles the monumental challenge of global compliance, turning what used to be a bureaucratic nightmare into a seamless, click-and-go process

**What problems is Ontop solving and how is that benefiting you?**

It allows businesses to onboard and pay remote contractors and EOR employees swiftly while ensuring full legal and tax compliance across numerous countries. Its key benefits include a user-friendly interface, the provision of smart contracts, and the ability for remote workers to receive fast, transparent payments in USD via the Ontop Wallet and associated Visa card

**Official Response from Mateo Alvarez:**

> Jeisson, this means a lot. Turning global compliance from a bottleneck into a non-issue is exactly what we're here for. Appreciate you laying it out so clearly.

  ### 20. Effortless Payments with Ontop

**Rating:** 5.0/5.0 stars

**Reviewed by:** Cristian F. | Frontend Architect, Mid-Market (51-1000 emp.)

**Reviewed Date:** October 08, 2024

**What do you like best about Ontop?**

I appreciate Ontop for its simplicity and ease of use, as it allows me to efficiently handle payments and receive money without spending unnecessary time on these tasks. The platform also provides the capability to save and pay in USD, which is particularly beneficial when traveling. I value this flexibility in currency usage. The overall experience with Ontop has been seamless and satisfactory, as evidenced by its straightforward setup process and the fact that everything works perfectly fine for me.

**What do you dislike about Ontop?**

nothing

**What problems is Ontop solving and how is that benefiting you?**

I use Ontop to easily manage my payments and save in USD for travel, avoiding complicated processes and saving time.

**Official Response from Martin Mastrogiacomo:**

> Thanks a ton, Cristian! We love that you’re enjoying the Wallet and Card—they’re designed to give you more freedom and control 🌍

We hear you on the exchange fees. It’s something we constantly review to stay competitive and fair for our users.

Thanks for being part of Ontop and sharing your feedback!


  ### 21. Excellent cashback and membership benefits

**Rating:** 5.0/5.0 stars

**Reviewed by:** Diana S. | Chief Sales Officer (CSO), Small-Business (50 or fewer emp.)

**Reviewed Date:** April 23, 2026

**What do you like best about Ontop?**

Cashback and membership benefits

**What do you dislike about Ontop?**

The service leaves much to be desired. They take a long time to respond and it's noticeable that it's still very manual.

**What problems is Ontop solving and how is that benefiting you?**

Cashback is the best

**Official Response from Mateo Alvarez:**

> Thanks, Diana!

  ### 22. Recibe y realiza pagos internacionales con facilidad

**Rating:** 5.0/5.0 stars

**Reviewed by:** Paula L. | Product Designer, Small-Business (50 or fewer emp.)

**Reviewed Date:** February 18, 2026

**What do you like best about Ontop?**

Me gusta tener la tarjeta y la facilidad de transferir dinero. Puedo registrar diferentes cuentas de terceros en múltiples países y hacer transferencias sin complicaciones. Además, la configuración inicial de Ontop fue sencilla.

**What do you dislike about Ontop?**

Las tarifas son altas y, además, la tarjeta no se puede añadir a Apple Pay.

**What problems is Ontop solving and how is that benefiting you?**

Puedo recibir mi salario en dólares y usar una tarjeta para hacer pagos y enviar dinero a diferentes países. La facilidad de transferir fondos es muy útil, ya que me permite registrar cuentas de terceros en múltiples países y hacer transferencias fácilmente.

**Official Response from Mateo Alvarez:**

> Thanks, Paula. Your feedback has been noted. Be on the lookout for the Apple Pay stuff 😉 Coming soon!

Glad you're enjoying the platform.

  ### 23. A reliable global payment solution that keeps getting better

**Rating:** 5.0/5.0 stars

**Reviewed by:** Miguel Ángel M. | QA Junior, Small-Business (50 or fewer emp.)

**Reviewed Date:** October 08, 2024

**What do you like best about Ontop?**

I’ve been using Ontop for over a year as my primary payment platform, and I’ve consistently had a great experience. What stands out most is the speed of international transfers — funds are credited to my account much faster than with other services I’ve tried.

The redesigned “Reserve” benefits program is a smart move. It feels more relevant and user-friendly, and it actually encouraged me to start using it this month.

I’ve also shifted to using my Ontop card for most of my purchases abroad. Instead of converting money in advance, I now prefer to pay directly in local currency — it’s been convenient and cost-effective.

On the rare occasions when I’ve had issues with a transaction, customer support was fast, clear, and helpful. That kind of reliability gives me peace of mind.

Overall, Ontop keeps evolving in the right direction, and I’m genuinely excited to see what they launch next.

**What do you dislike about Ontop?**

The only real pain point I’ve encountered is that I can’t use my Ontop wallet balance or Ontop card to pay off my personal credit card. This forces me to withdraw the money and handle the currency exchange myself, which can lead to unnecessary fees or delays. I’d love to see this flexibility added in the future.

**What problems is Ontop solving and how is that benefiting you?**

Ontop makes it easy to receive international payments quickly and reliably, which is essential for freelancers and remote workers like me. Traditional banking systems often have delays, hidden fees, or poor currency conversion rates, but Ontop simplifies the whole process.

I benefit from fast international transfers, the ability to hold and spend in multiple currencies, and having a wallet and card that work smoothly for global transactions. This has helped me manage my income more efficiently and avoid unnecessary currency exchange steps in many cases.

Ontop is also constantly improving — the new benefits platform “Reserve” and responsive customer support have made the overall experience even better.

**Official Response from Martin Mastrogiacomo:**

> Thanks so much for the thoughtful review, Miguel Ángel! We're really glad Ontop is helping you move money globally with more ease and speed—and it's great to hear Reserve encouraged you to try something new.

Noted on the card flexibility feedback. You're totally right, and it's something our team is already exploring. We’ll keep pushing to make Ontop even more useful for your everyday needs.

Let’s keep building this global experience together 💪

  ### 24. Ontop Review

**Rating:** 5.0/5.0 stars

**Reviewed by:** Martin Z. | Finance Senior Analyst, Small-Business (50 or fewer emp.)

**Reviewed Date:** October 08, 2025

**What do you like best about Ontop?**

What I liked the most about Ontop is how simple and efficient it makes the whole payment process. Everything is very transparent, fast, and easy to use, especially when managing international payouts. The platform is intuitive, customer support is always available to help, and transactions are completed without complications. It really gives peace of mind knowing that payments arrive on time and securely, no matter the country.

**What do you dislike about Ontop?**

Honestly, there’s very little to complain about. Sometimes exchange rates or transfer times can vary depending on the provider or the country, but that’s something that happens with any global payment solution. Ontop is constantly improving those details and communicating clearly when changes happen, which is appreciated.

**What problems is Ontop solving and how is that benefiting you?**

My overall experience with Ontop has been excellent. It’s a reliable, modern, and professional platform that makes managing payments across borders effortless. Everything works smoothly, and the attention from their support team is always fast and friendly. I would definitely recommend Ontop to freelancers, remote workers, and companies that want to simplify their international payment processes. It’s one of the few platforms that truly delivers what it promises — security, speed, and trust.

  ### 25. Frustrating Verification Hurdles and Poor Support

**Rating:** 0.5/5.0 stars

**Reviewed by:** Janice N.

**Reviewed Date:** December 30, 2025

**What do you like best about Ontop?**

I had no problems with Ontop until this issue happened, and the initial setup was smooth.

**What do you dislike about Ontop?**

I had to go through verification for a second time, even though they already had my documents, which is unnecessary. It is frustrating because they blocked my access to my wallet, and I still cant get into my incoming paycheck. The delay after re-verification is appalling. Also, their customer service team is so rude and unhelpful.

**What problems is Ontop solving and how is that benefiting you?**

I thought Ontop was reliable for my paychecks, but now it's frustrating. After verification issues, my account is blocked, and their customer service is rude. I can't access my incoming paycheck, which I depend on.

**Official Response from Martin Mastrogiacomo:**

> Hey Janice, thanks for your message.

We looked into this and the issue was caused by a temporary glitch with our provider. 

Support let us know it got resolved quickly, and your payment was processed right after. Everything should be in order now!

We know delays aren’t fun — really appreciate your patience on this one. We’re already making moves to avoid it happening again.

You’re all set, and we’ve got your back.

Thanks!


  ### 26. Effortless Transfers with Minimal Fees

**Rating:** 5.0/5.0 stars

**Reviewed by:** Brenda T.

**Reviewed Date:** January 26, 2026

**What do you like best about Ontop?**

I like that Ontop offers a lower fee for transferring funds to a US bank account, making the process more cost-effective for me. Setting up Ontop was very easy, and I was able to create an account within half an hour or less.

**What do you dislike about Ontop?**

N/A

**What problems is Ontop solving and how is that benefiting you?**

Ontop makes it easy to transfer my funds from my company to my US account with lower fees, and then to my home country.

  ### 27. Effortless Onboarding and Global Payments with Ontop

**Rating:** 4.5/5.0 stars

**Reviewed by:** Bruno A. | Software engineer, Mid-Market (51-1000 emp.)

**Reviewed Date:** December 25, 2025

**What do you like best about Ontop?**

I really value how simple and user-friendly Ontop is. Its intuitive interface streamlines onboarding, contract creation, and handling international payments, often requiring very little setup. I also find the digital wallet and the linked Visa card especially convenient for receiving and using funds worldwide.

**What do you dislike about Ontop?**

There was nothing in particular that stood out to me. However, I think adding support for Apple Pay and Google Wallet would be a nice improvement.

**What problems is Ontop solving and how is that benefiting you?**

Receiving money across border and be able to spend using visa card.

**Official Response from Mateo Alvarez:**

> Bruno, great to hear the onboarding and payments experience feels that seamless. Apple Pay and Google Wallet support are on our radar — you're not the first to ask and that definitely counts. Thanks for taking the time. Keep an eye out! you might be surprised very soon :)

  ### 28. Difficult Configuration and Improvable Support

**Rating:** 2.0/5.0 stars

**Reviewed by:** wendy tatiana a.

**Reviewed Date:** August 07, 2025

**What do you like best about Ontop?**

I like the functionality of making transfers to third parties and the card payment system of Ontop, although I acknowledge that there are certain limitations in some stores.

**What do you dislike about Ontop?**

I find the setup difficult due to the lack of clarity in some aspects of the platform. The additional plan presents problems and the support is complicated, which hinders progress. I also feel that the conditions of the plan are not clear, and the advantages I previously had have diminished. Transfers and card payments are limited for some merchants. Additionally, cashback is only available for certain apps or merchants, which is limiting. I would like the cards to be able to link with Apple Pay, and for savings with returns to be allowed. Currently, some merchants present errors when trying to make payments.

**What problems is Ontop solving and how is that benefiting you?**

I use the product for transfers and payments, but the advantages have been reduced and there are problems with some merchants. The only current benefit is the possibility of transfers to third parties.

**Official Response from Martin Mastrogiacomo:**

> Thanks for sharing your honest feedback, Wendy. We’re glad you find value in our transfer and card features, and we hear you on the setup clarity, plan details, and payment limitations. Your points are on our radar and we’re already working on ways to make setup simpler, improve transparency, and expand compatibility with more merchants and payment methods.

Appreciate you taking the time to help us improve, we want every step to feel clear and effortless for you.

  ### 29. Fast and Secure Payments

**Rating:** 4.5/5.0 stars

**Reviewed by:** Aldair M.

**Reviewed Date:** January 07, 2026

**What do you like best about Ontop?**

I like getting paid fast as a contractor with Ontop because it's secure and reliable. I enjoy the freedom it offers. Just getting paid as a contractor in Ontop is so cool. The initial setup was easy.

**What do you dislike about Ontop?**

Maybe the cards. I couldn't make some purchases with the card. There were failed transactions, and there is no setup for card payments.

**What problems is Ontop solving and how is that benefiting you?**

I use Ontop for fast, secure, and reliable payments as a contractor.

**Official Response from Mateo Alvarez:**

> Aldair, glad the payment experience is working well for you. On the card issues, failed transactions and limited setup options are real friction points we want to fix. Reach out to our support team with the specifics and they'll work through it with you directly.

  ### 30. Extremely easy to pay contractors in multiple countries. Very easy set up and fast onaboarding!

**Rating:** 5.0/5.0 stars

**Reviewed by:** Pilar T. | Operations Manager, Small-Business (50 or fewer emp.)

**Reviewed Date:** July 11, 2025

**What do you like best about Ontop?**

We’ve been using it for over three years, and it’s taken so much friction out of our international operations. Onboarding is quick, payments are reliable, and our team always knows what to expect.

**What do you dislike about Ontop?**

There were a few hiccups early on with the interface and some minor bugs, but those were resolved pretty quickly. Since then, it’s been really stable.

**What problems is Ontop solving and how is that benefiting you?**

We needed a way to pay global contractors without setting up local entities or getting bogged down in legal compliance. Ontop handles the contracts, documents, and payments, so our team can focus on the work—not the paperwork. It’s freed up a lot of internal bandwidth. Payouts are really fast and their USD wallet is an amazing benefit for our team!

**Official Response from Martin Mastrogiacomo:**

> Thank you for sharing your positive experience with Ontop! We're pleased to hear that our platform has helped streamline your global operations and provided reliable payments for your team.

  ### 31. Super Easy to Use with Excellent Support and Flexible Payment Options

**Rating:** 5.0/5.0 stars

**Reviewed by:** Ana Maria A. | Practicante en Direccion de Arte, Small-Business (50 or fewer emp.)

**Reviewed Date:** October 24, 2025

**What do you like best about Ontop?**

It's super easy to use, team is always ready to help and you can use your money in diferent ways

**What do you dislike about Ontop?**

I love it, however it can improve by transfering faster in some countries

**What problems is Ontop solving and how is that benefiting you?**

Ontop is providing an easy ad effician way to have employes from different countries by supporting remote work, and giving the best payroll experience with the wallet

  ### 32. Big promises, small results

**Rating:** 1.5/5.0 stars

**Reviewed by:** Lina U. | CFO, Small-Business (50 or fewer emp.)

**Reviewed Date:** July 31, 2025

**What do you like best about Ontop?**

I like all the perks and incentives they have signed with other companies. The discounts with airbnb, the discounts with uber, etc. The front is user friendly too, it liked that it was easy to use from the client side, and from the contractor side as well.

**What do you dislike about Ontop?**

Receiving the card took too long. And when I did, I tried to pay with it but I had a lot of issues. For example, I paid something using the fisical card, the payment didn´t go through (the place where I was paying showed me the machine) but the money was discounted from my account. That happened 3 times in different places. It took 2 months to recover the money.

**What problems is Ontop solving and how is that benefiting you?**

We are a Startup with contractors all over Latin America. Ontop was helping us deliver payments to every contractor

**Official Response from Martin Mastrogiacomo:**

> Hey Lina, we're really sorry this was your experience. At Ontop, we're constantly working to get better, and feedback like yours is key to improving. We're always here to help, and if you're open to it, we'd love to reach out to understand more and make it right.

  ### 33. Great experience with Ontop

**Rating:** 5.0/5.0 stars

**Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.)

**Reviewed Date:** September 30, 2025

**What do you like best about Ontop?**

Ontop makes global payroll and contractor management simple and reliable. The platform is super easy to use, with smooth account access and secure logins. Payroll runs are fast and accurate, and our contractors report that money management through the Ontop Wallet is convenient with clear rates, quick transfers and other financial services such as bill payment and early wage access.

**What do you dislike about Ontop?**

Honestly, nothing major comes to mind. If anything, the platform keeps improving so quickly that I just have to get used to the new features, which is a good problem to have.

**What problems is Ontop solving and how is that benefiting you?**

Our onboarding and that of our contractors is seamless, and customer support is responsive whenever help is needed. The value for money is excellent compared to traditional providers, and any small bugs are quickly resolved. Overall, Ontop delivers peace of mind with payroll, compliance, and payments all in one place.

  ### 34. Simply the best to be able to receive payments from other countries

**Rating:** 5.0/5.0 stars

**Reviewed by:** Manuel B. | Corporate Business Developer, Mid-Market (51-1000 emp.)

**Reviewed Date:** June 24, 2025

**What do you like best about Ontop?**

Being able to use the card in dollars or local currency internationally, without having to pay surcharges and also with the "Wanderlust" plan, getting cashback on each purchase is an excellent option to save and optimize expenses.

**What do you dislike about Ontop?**

There really are few things to complain about this app, the payment times are fast, they always notify you when a payment or transfer arrives and the fees are acceptable and quite beneficial compared to other wallets.

**What problems is Ontop solving and how is that benefiting you?**

I have resolved the high fees of other wallets and the speed and efficiency of the payment method is great to be able to count on a company like OnTop.

**Official Response from Martin Mastrogiacomo:**

> We're thrilled to hear that you are enjoying the benefits of using Ontop for international payments and taking advantage of the Wanderlust plan for cashback. Thank you for your positive feedback!

  ### 35. Great option to get paid in USD and living anywhere

**Rating:** 5.0/5.0 stars

**Reviewed by:** Hector Daniel V. | Technical Reviewer, Mid-Market (51-1000 emp.)

**Reviewed Date:** August 07, 2025

**What do you like best about Ontop?**

The fact of having total control of my money and contracts makes it easy. Furthermore, having both a physical and digital card it's great. The customer support is always available and helpful, so far the best experience in getting payments.

**What do you dislike about Ontop?**

Somethings the maintenance times are longer that I'd like to be, but it's not a big deal in the end as long as the platfor works well.

**What problems is Ontop solving and how is that benefiting you?**

Finding a way to get paid no matter the country I live.

  ### 36. Simple to Use with Great Support, but Costly and Slow for Payments

**Rating:** 2.0/5.0 stars

**Reviewed by:** Verified User in Computer Software | Small-Business (50 or fewer emp.)

**Reviewed Date:** August 08, 2025

**What do you like best about Ontop?**

Ontop offers an incredibly easy-to-use and intuitive platform that makes managing payroll straightforward, even for those who are new to such tools. The interface is clean and well organized, allowing me to quickly find the features I need. Their customer support team is also responsive and helpful, providing clear guidance and solutions whenever I have questions or issues. This combination of usability and strong support makes the overall experience pleasant from an operational standpoint.

**What do you dislike about Ontop?**

Despite its ease of use, the payment experience could be significantly improved. Withdrawals tend to be slow, and there are limited options for payout methods and supported currencies, which can be inconvenient. Additionally, the platform’s fees are quite high, and the exchange rates are not competitive compared to other services. These factors make cross-border payments more expensive than they need to be, which is a considerable drawback for regular use.

**What problems is Ontop solving and how is that benefiting you?**

As a remote team, we needed a streamlined way to pay everyone efficiently, regardless of their location. Ontop solved this by providing a single platform where we could manage all payments in one place. This eliminated the need for juggling multiple tools or payment methods, saving us time and reducing the risk of errors.

**Official Response from Martin Mastrogiacomo:**

> Thanks for taking the time to share such a detailed review. We’re glad to hear you find Ontop easy to use and that our support team has been there for you when needed. We also appreciate your honest feedback on payment speed, payout options, and fees. We know how important these are, and our team is actively working on improving processing times, expanding currency and payout choices, and making cross-border transactions more competitive. Our goal is for every part of your experience to feel as smooth and efficient as the rest. We’ve got your back.

  ### 37. Fantastic experience

**Rating:** 5.0/5.0 stars

**Reviewed by:** Luisina P. | analyst, Small-Business (50 or fewer emp.)

**Reviewed Date:** August 21, 2025

**What do you like best about Ontop?**

Ontop app lets you get paid by international clients quickly and easily, with no hassle transferring the money straight to your local bank.

**What do you dislike about Ontop?**

I haven't found a single thing to dislike.

**What problems is Ontop solving and how is that benefiting you?**

Ontop helps people to solve the problems of slow and expensive international payments. It provides a fast, secure, and cost-effective way to get paid and manage contracts, giving you peace of mind.

**Official Response from Martin Mastrogiacomo:**

> Thanks so much, Luisina!

We love knowing Ontop helps you get paid quickly and without the usual hassles of international payments. Peace of mind and speed are exactly what we want to bring to every global worker.

Happy to have you Ontop with us 🌍

  ### 38. I can trust my payments will arrive on time

**Rating:** 5.0/5.0 stars

**Reviewed by:** Sebastian A. | Business Analyst, Small-Business (50 or fewer emp.)

**Reviewed Date:** September 19, 2025

**What do you like best about Ontop?**

Being able to receive payments internationally without worrying about delays or complicated processes is a huge benefit.

**What do you dislike about Ontop?**

I wish they got rid of the transfer fees

**What problems is Ontop solving and how is that benefiting you?**

The possibility of getting my money around the world and getting paid as an international contractor.

**Official Response from Martin Mastrogiacomo:**

> Thanks a lot for sharing this, Sebastián!

We love knowing you can count on Ontop to get paid on time and without the hassle. That’s exactly why we exist: to make sure global work feels easy and safe.

We hear you on the transfer fees. Your feedback is super valuable, and we’re always working on ways to make payouts smoother and more cost-friendly.

Glad to have you Ontop with us 🌍


  ### 39. Many things don't work, missing features. Usable but not reliable, something desired for your money

**Rating:** 3.0/5.0 stars

**Reviewed by:** Facundo G. | Emprendimiento, Mid-Market (51-1000 emp.)

**Reviewed Date:** July 22, 2025

**What do you like best about Ontop?**

Nothing special about the app from a user-employee perspective.

**What do you dislike about Ontop?**

Many things don't work or they are missing basic features. It's a startup so maybe the priorities and resources are scarce.
There were bugs with the token that persisted many months. I can't use the digital card for Netflix and raised the ticket 2 years now, and during a vacations I couldn't buy in Amazon. 
In general the service is barely usable, but not reliable, something that you would want for an app managing your money.

**What problems is Ontop solving and how is that benefiting you?**

For me not much, it simplifies payroll for my employee. Besides that, is a basic usable wallet.

**Official Response from Martin Mastrogiacomo:**

> Hey Facundo, we hear you.

Thanks for taking the time to share this. You're right, when it comes to money, reliable isn’t optional, it’s essential. And clearly, we’ve fallen short for you on that front.

We’re actively working to fix legacy issues like the card compatibility and token bugs you mentioned. It shouldn’t take this long, and we’re sorry it did.

Ontop has grown a lot in the last two years, and user experience is now a top priority, not just a roadmap item. Your feedback helps us get better, faster.

If you're open to it, we’d love to follow up directly and make things right.



  ### 40. Solid product for remote workers

**Rating:** 4.0/5.0 stars

**Reviewed by:** Gabriel T. | Software Engineer, Small-Business (50 or fewer emp.)

**Reviewed Date:** September 17, 2025

**What do you like best about Ontop?**

It's a reliable product for remote workers to receive their payments and withdraw it for any account you want. Keep your USD safe or use it with your Ontop Card if you want, it offers you a really smooth experience overall

**What do you dislike about Ontop?**

I miss Apple Pay! When Ontop adds support for Apple Pay, I would starting using the card more.

**What problems is Ontop solving and how is that benefiting you?**

Receiving payments from a job elsewhere in the World really helps me.

**Official Response from Martin Mastrogiacomo:**

> Thanks for the love, Gabriel!

We’re glad Ontop helps you keep your money safe and makes getting paid from anywhere smooth and simple. That’s exactly the experience we want for every remote worker.

And about Apple Pay — good news: Apple Pay and Google Pay support are pretty soon ready. Stay tuned, the Ontop Card is about to get even better.

Appreciate you being Ontop with us 🚀


  ### 41. Amazing!!

**Rating:** 5.0/5.0 stars

**Reviewed by:** Maria R. | Engagement Lead, Mid-Market (51-1000 emp.)

**Reviewed Date:** August 08, 2025

**What do you like best about Ontop?**

Ontop makes it easy for me working around the world to get paid, spend, and enjoy my money without borders. From a USD wallet to a card packed with perks, it brings freedom and flexibility to my everyday. For me it's the feeling of being part of something premium.

**What do you dislike about Ontop?**

Sometimes it takes a bit to fully understand everything Ontop offers.

**What problems is Ontop solving and how is that benefiting you?**

Ontop is redefining how global talent gets paid, managed, and rewarded. With a USD wallet, versatile VISA card, and membership, it delivers an alternative to traditional banking.

  ### 42. User-Friendly platform with fast transactions worldwide

**Rating:** 5.0/5.0 stars

**Reviewed by:** Hector B. | Java Engineering, Mid-Market (51-1000 emp.)

**Reviewed Date:** August 19, 2025

**What do you like best about Ontop?**

- Platform is easy to use , you can set up a payment method and transfer it in couple of minutes!
- Crypto transactions are the best!

**What do you dislike about Ontop?**

Not my case, but ive herad sometimes downtime using the card, so for my use i only withdraw all my money to my account via crypto

**What problems is Ontop solving and how is that benefiting you?**

Crypto transactions has low fees, are almost intantly i can received my money in 15 minutes from Ontop -> My bank account via a third party crypto platform

**Official Response from Martin Mastrogiacomo:**

> Thanks for the shoutout, Hector!

We’re happy to hear Ontop makes payments simple and that crypto transactions are giving you speed and low fees — 15 minutes is exactly the kind of fast we love to see.

We’re also keeping an eye on card performance to make sure it’s as smooth as every other payout option.

Glad to have you Ontop with us 🚀


  ### 43. Excelent Platform, very easy

**Rating:** 5.0/5.0 stars

**Reviewed by:** Angie Yojana C. | Implementation Specialist, Mid-Market (51-1000 emp.)

**Reviewed Date:** September 05, 2025

**What do you like best about Ontop?**

Excellent payment solutions, support and times

**What do you dislike about Ontop?**

I don't have any dislikes about the platform.

**What problems is Ontop solving and how is that benefiting you?**

Receive payments from abroad and use them without limits in my country of residence.

**Official Response from Martin Mastrogiacomo:**

> Thanks a lot, Angie!

We love hearing that Ontop feels easy to use and that our payment solutions and support meet your needs. That’s what we aim for: smooth, borderless payments that just work.

Happy to be your partner in making global business simple 🌍

  ### 44. Ease and excellence of the product

**Rating:** 5.0/5.0 stars

**Reviewed by:** Juan Pablo M. | Supervisor de operaciones, Mid-Market (51-1000 emp.)

**Reviewed Date:** October 09, 2025

**What do you like best about Ontop?**

The ease with which I receive payments and with which I can then pay my bills.

**What do you dislike about Ontop?**

Sometimes when paying bills in COP, the exchange rate is very low

**What problems is Ontop solving and how is that benefiting you?**

for the moment I have not seen any problems

  ### 45. Good app to manage money

**Rating:** 5.0/5.0 stars

**Reviewed by:** Verified User in Financial Services | Mid-Market (51-1000 emp.)

**Reviewed Date:** September 03, 2025

**What do you like best about Ontop?**

The ease of use it bring with sending money to any bank account in the world.

**What do you dislike about Ontop?**

The card feature can improve, since its not available everywhere.

**What problems is Ontop solving and how is that benefiting you?**

Being able to move money to many accounts in the world, so it makes it easier to just move to any place and not having to stay in one country.

**Official Response from Martin Mastrogiacomo:**

> Thanks for the feedback!

We’re glad Ontop makes it easy for you to send money anywhere and manage multiple accounts globally, that’s exactly the freedom we want to deliver.

We hear you on the card availability. Good news: expansion is on the way, so you’ll be able to use it in more places pretty soon.

Happy to support your global moves 🌍

  ### 46. Effortless Global Payments with Outstanding Support

**Rating:** 5.0/5.0 stars

**Reviewed by:** Verified User in Airlines/Aviation | Mid-Market (51-1000 emp.)

**Reviewed Date:** November 10, 2025

**What do you like best about Ontop?**

Ontop makes managing global payments incredibly easy. The platform is fast, transparent, and reliable, with great customer support and smooth integrations. It saves a lot of time and removes the complexity of handling cross-border contractor payments.

**What do you dislike about Ontop?**

Sometimes updates take a bit to reach all users or regions, but overall the experience is excellent and constantly improving.

**What problems is Ontop solving and how is that benefiting you?**

USD in argentina

**Official Response from Mateo Alvarez:**

> Really glad the platform is saving time and cutting through the complexity of cross-border payments. Rollout consistency across regions is something we're actively improving. Appreciate the honest take.

  ### 47. Efficient and easy

**Rating:** 5.0/5.0 stars

**Reviewed by:** Verified User in Law Enforcement | Small-Business (50 or fewer emp.)

**Reviewed Date:** August 25, 2025

**What do you like best about Ontop?**

It offers easy solutions to the users, and is a very friendly app

**What do you dislike about Ontop?**

There is nothing I dislike, there will be always space to improve but is a great platform

**What problems is Ontop solving and how is that benefiting you?**

It helps me save in US dollars, also it give me the chance to pay my personal bills from the app.

**Official Response from Martin Mastrogiacomo:**

> Thanks a lot for your feedback!

We’re happy to know Ontop feels easy and friendly while helping you save in USD and even pay your personal bills directly from the app. That’s exactly what we want: practical solutions that fit your daily life.

Always here to keep things simple and efficient for you 🌍

  ### 48. Good, but with room for improvement

**Rating:** 4.0/5.0 stars

**Reviewed by:** Daniel C. | Finance & Data Analytics Manager, Small-Business (50 or fewer emp.)

**Reviewed Date:** August 07, 2025

**What do you like best about Ontop?**

I like that it is constantly improving and adding new features

**What do you dislike about Ontop?**

Still has some bugs and delays with cashback

**What problems is Ontop solving and how is that benefiting you?**

Payment

**Official Response from Martin Mastrogiacomo:**

> Thanks for sharing your thoughts! Glad you’re enjoying the app. About cashback, we hear you, our team’s already looking into ways to make it more rewarding. Stay tuned, we’re on it.

  ### 49. Use of Card Super Easy and Convenient

**Rating:** 4.5/5.0 stars

**Reviewed by:** Verified User in Financial Services | Small-Business (50 or fewer emp.)

**Reviewed Date:** December 02, 2025

**What do you like best about Ontop?**

Easy use of the card
Loyalty program

**What do you dislike about Ontop?**

The possibility of adding the card to Google Pay
not having NFC Visa

**What problems is Ontop solving and how is that benefiting you?**

Reduce the response time between dollar transfers to an account in Colombia

  ### 50. Seamless global contractor payroll with responsive support

**Rating:** 5.0/5.0 stars

**Reviewed by:** Verified User in Financial Services | Mid-Market (51-1000 emp.)

**Reviewed Date:** September 10, 2025

**What do you like best about Ontop?**

Ontop makes paying global contractors effortless, clean UX, clear fees, fast payouts, and reliable compliance workflows. The dashboard gives me real-time visibility of invoices, statuses, and payout timelines, and their support team closes the loop quickly when edge cases pop up.

**What do you dislike about Ontop?**

Would be great to see more automation in reporting dashboards.

**What problems is Ontop solving and how is that benefiting you?**

Ontop solves the stress of international payments. I can work with companies abroad and still get paid quickly, without dealing with banks or hidden fees.

**Official Response from Martin Mastrogiacomo:**

> Thank you for sharing your experience!

We’re glad Ontop makes paying global contractors seamless and that our support team has your back when you need it most. Real-time visibility and smooth compliance are exactly what we aim for.

Noted on automation in reporting dashboards, we’re working on making insights even smarter and easier to access.

Happy to be your partner in building a truly global workforce 🌍



## Ontop Discussions
  - [What is Ontop used for?](https://www.g2.com/discussions/what-is-ontop-used-for)

- [View Ontop pricing details and edition comparison](https://www.g2.com/products/ontop/reviews?01cb4aff_page=2&dbe437e9_page=2&section=pricing&secure%5Bexpires_at%5D=2026-06-23+12%3A56%3A57+-0500&secure%5Bsession_id%5D=9498f5e6-8497-4e9d-8d11-3389940bf197&secure%5Btoken%5D=b191eb6c39326e3204358ed2e82eb0d5275e1d0499a8cfa484bd7a552654da76&format=llm_user)
## Ontop Integrations
  - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews)

## Ontop Features
**Processing**
- Multi Country
- Data Consolidation
- Data Quality
- Rules

**Compatability**
- HCM and HRMS
- Entrepreneur
- Immigration and Relocation

**Compliance**
- Governance
- Country-Specific
- Internal Policies

**Intermediate GEP features**
- International Hiring Support

**Integration**
- Finance
- Other

**Reporting**
- Benchmarking
- Cost Tracking
- Dashboards

**Other GEP Features**
- Compliance Managenent
- Analytics 
- Hiring Support

**Benefits**
- Branded Shopping
- Other Benefits

**Core Functionality - Employer of Record (EOR)**
- Compliance

**Expanded Functionality - Employer of Record (EOR)**
- M&A
- Enterprise Consulting
- Contractor Management

**AI Capabilities - Employer of Record (EOR)**
- AI Automation
- AI Agent

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