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OnPay vs Gusto

Find out how these two payroll providers compare when it comes to pricing and features, including the latest ratings and reviews:

OnPay vs Gusto: Compare ratings and reviews

When it comes to your payroll provider, you shouldn’t have to sacrifice essential features to get the best value. See how OnPay and Gusto compare when it comes to features and cost.

OnPay

Gusto

Ease of Setup

9.3
8.6

Ease of Admin

9.6
8.8

Quality of Support

9.7
8.0

Performance

9.8
9.2

Reliability

9.8
9.4

Customization

9.3
8.2

Reporting

9.7
8.9

Ease of Setup

OnPay

9.3

Gusto

8.6

Ease of Admin

OnPay

9.6

Gusto

8.8

Quality of Support

OnPay

9.7

Gusto

8.0

Performance

OnPay

9.8

Gusto

9.2

Reliability

OnPay

9.8

Gusto

9.4

Customization

OnPay

9.3

Gusto

8.2

Reporting

OnPay

9.7

Gusto

8.9

Customer review data on this page is all from G2.com. Links and additional resources.

ONPAY REVIEWS

“OnPay is a simple and cost-effective payroll solution for small business owners who are wearing so many hats. It’s much less than the cost of other providers like Gusto and is one of the main reasons I went for it.”

— Adam, ANTS After School LLC

OnPay vs Gusto: Compare features and pricing

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 the features included alongside those that require additional fees. Here’s a closer look at how features and associated costs stack up for each provider.

OnPayGusto
Pricing
Base priceStarting at $40 per monthStarting at $40 per month
Per worker costStarting at $6 per personStarting at $6 per person
Full-service payroll
Automated federal, state, and local tax filings and payments Included Included
Unlimited pay runs Included Included
Multi-state payroll Included Additional fees
Accounting and time tracking integrations Included Included
New hire reporting Included Included
Year-end filings, W-2s, and 1099s Included Included
HR and Team Management
Manage and track time off Included Included
Employee directory + Org charts Included Additional fees
Document storage and audits Included Included
Onboarding and Employee Self-Service
Employee self-onboarding Included Included
Employee self-service portal Included Included
Document e-sign for I-9s and W-4s Included Included
Customize and send offer letters for e-signature Included Additional fees
Benefits and Compliance
Medical, dental, and vision plans Pay premiums only Pay premiums only
Integrated workers’ comp plans Pay premiums only Pay premiums only
Integrated 401(k) plan Pay premiums only Additional fees
Broker of record integration Included Additional fees
HSAs, FSAs, and commuter benefits Included Additional fees
Reporting and Usability
Payroll and employee reports Included Included
Real-time reporting filters Included Included
Custom report designer Included Included
Customer support
Extended hours for live support Included Included
Dedicated onboarding support representative Included Additional fees
Account setup and data migration Included Additional fees
Accuracy guarantee Included Not available

TOP-RATED PAYROLL, HR, & MORE

Over 94% of our clients would recommend OnPay

*Based on 2023 client survey

97% say OnPay
saves them time

93% say OnPay is
easy to set up

94% say OnPay
gives them flexibility

LET’S DO THIS

We’re here when you’re ready

Try OnPay out yourself to see how easy payroll and HR can be. To get started, just share a few basic details about your business. Our team of pros will set everything up and import your employees’ information for you.

Decide what payroll features you need

The right payroll provider should make it easier to pay and manage your team. Consider what features you’ll need to run your business more efficiently — and what price point will give you the best value.

  • What full-service payroll features should I expect?

    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.

     

    OnPay’s accuracy guarantee gives business owners the added assurance that payroll will be done right. And while both OnPay and Gusto have different levels of permissions that allow employers to delegate some of the payroll duties, Gusto requires an expensive upgrade to access this functionality. With Gusto, if you need to pay workers in multiple states it requires an upgrade that’ll double your base and per-employee cost.

  • What integrations are available?

    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.

     

    OnPay offers the most robust integrations with leading accounting software like QuickBooks and Xero. Features like custom item mapping and employee-level detail let you (or your accountant) do more to set up the general ledger in a way that makes sense for your business. Both providers also offer integrations with top time tracking software, and Gusto has the option to use an internal time tracking feature for an additional fee.

  • Do I have special payroll requirements for being in a certain industry?

    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.

     

    OnPay is designed to serve every type of business well — in fact, it also receives the highest rating from accounting publication CPA Practice Advisor. Whether it’s filing Form 943 for ranches, processing payroll for workers on an H2-A visa, or helping churches with parsonage exemptions, OnPay does more to get all the little details right.

  • Do I need HR and compliance?

    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.

     

    In addition to basic HR functionality, OnPay offers some features that require expensive upgrades with Gusto (like org charts, PTO management, and HR document templates). OnPay also includes the ability to create custom HR workflows, delegate tasks around your organization, and perform compliance audits — all for the same low fee. You may want to keep in mind that OnPay can help with health benefits in all 50 states, while Gusto only covers some states.

  • Is account setup and customer support offered?

    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.

     

    While the levels of service look similar on paper, OnPay’s customers approve of its customer support 97% of the time, while only 84% of Gusto customers give it the thumbs up. OnPay likely gets higher marks for its accuracy guarantee and its highly-trained support staff.