Onpay

This app competes for the employee's attention regarding health-related benefits and account management within the workplace ecosystem.

It is a direct competitor in the payroll space, offering automated tax compliance and support services to a massive user base.

It competes for the productivity and financial management needs of business users who require mobile invoicing and document signing.

It addresses the business-related expense tracking needs of employees, which is a common secondary requirement for OnPay users.

This newcomer targets the intersection of health benefits and government-mandated tiering, a niche area of HR/benefits management.