Ontop Reviews & Product Details

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

I like the interest-earning account, the card for spending the money, and the multi-currency account option (currently in development). Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

It's all great. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

So far, nothing Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Nothing Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Well, it still doesn't work for Apple Wallet and there's no way to schedule transfers. Review collected by and hosted on G2.com.