Over the past few years, OnPay and Gusto have emerged as two of the top payroll providers for small businesses. While they both use modern, cloud-based interfaces and offer an array of HR and benefits-oriented services that go way beyond payroll, there are a few big differences between these two solutions.
We pulled together some of the latest ratings and reviews — as well as detailed pricing and feature information — to help you get a better understanding of whether OnPay or Gusto is a better fit for your business.
To get a high-level picture, start by checking out recent ratings and reviews. While the experts have great things to say about both providers, small business owners tend to think one of these two solutions does a little more to take good care of them and their teams.
When you’re considering Gusto versus OnPay, ratings and reviews are just one piece of the puzzle. It’s also important to check out the capabilities of each payroll platform and get a better sense of how much they all cost. Here’s a closer look at how features and associated costs stack up for each provider.
Payroll can be tricky, and you’re going to have questions from time to time. It can also save a ton of time to have support from your provider when you’re switching, entering employee payroll data for the first time, and making sure your account is set up right. And if there’s ever a tax issue, some providers even step up to offer extra support. Here’s how OnPay and Gusto compare:
|Setup and data migration||Included||Included|
|Expert phone support||Included||Included|
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Both Gusto and OnPay have very rich feature sets and a modern interface, so it’s not surprising to see them at the top of many “best payroll” lists. However, there are a lot of differences, especially once you start to look at specific plans and pricing. Here’s a rundown of what each provider offers in key feature areas.
Payroll and payroll taxes: If you want to make payroll fast and easy, while eliminating all the busywork associated with filing and paying payroll taxes, you can’t make a bad choice here. Both Gusto and OnPay handle the basics beautifully and process both employer payroll taxes and employee tax forms (like W-2s and 1099s) for no extra fee.
Integrations: Your business finances don’t start and end with payroll, so your payroll provider should make it easy to get your data where it needs to be. From accounting software to time tracking apps, being able to sync with the other platforms you use will save tons of time and duplicated efforts.
Specialized payroll requirements: If you run a restaurant, a farm, or a nonprofit, the IRS throws a few different payroll tax wrinkles at you. If you’re making a choice between OnPay or Gusto (or any other payroll provider), it’s a good idea to make sure all the special filings, deductions, and exemptions for your industry can be processed without too much extra legwork.
HR and employee benefits: Keeping a team healthy and happy — and keeping your business compliant — requires a lot more than just paying employees and filing taxes. OnPay and Gusto are among the top-rated payroll services because they help businesses do more to take care of their teams. Both offer employee self-service, e-signable offer letters, and new hire reporting. And both can help with integrated health plans, workers’ comp, and retirement plans.
Account setup and ongoing support: Moving to a new payroll provider can sometimes feel intimidating. Both these providers offer personal onboarding support that takes care of most of the work for you. When it comes to ongoing support, both OnPay and Gusto offer similar access to weekday support by phone, email, or on-site chat.
With Gusto or OnPay, you’re likely to get modern payroll that takes care of a lot of back office headaches and makes it easy to put your employees on a pedestal. There’s a reason experts put both of these choices at the top of their lists. Give OnPay a closer look if you prefer better support, more options to customize things to fit your business, and much lower prices.