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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Gusto

    Score8.9 out of 10
    N/AGusto offers payroll, benefits and compliance capabilities. Gusto is scaled for small to mid-sized businesses, and emphasizes an easy to use interface.

    $49

    per month

    OnPay

    Score9.9 out of 10
    N/AOnPay's payroll and HR is designed for people who want to spend more time running their business, and less on back-office tasks. The application aims to enable users to: • Run payroll • Automate taxes • Let employees do more themselves • Simplify HR processes • Offer benefits in any state OnPay is $49 plus $6 per person each month. The monthly fee includes integrations with QuickBooks, Xero, and time-tracking software, as well as all quarterly and year-end…

    $49

    per month +$6 per month, per person

    Pricing
    GustoOnPay
    Editions & Modules
    Simple: A streamlined set of automatic payroll features and benefits integrations
    $49/month + $6/mo per person
    per month
    Plus: Comprehensive payroll, benefits, and HR tools for employers building a great place to work
    $80/month + $12/mo per person
    per month
    Premium: Scalable payroll and benefits, expert HR, and dedicated support for the complex needs of growing teams
    $180/month + $22/mo per person
    per month
    No answers on this topic
    Offerings
    Pricing Offerings
    GustoOnPay
    Free Trial
    YesYes
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    YesNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional DetailsGusto offers three pricing plans for payroll, benefits, and HR.First month free, then $49 + $6 per employee each month.
    More Pricing Information
    Community Pulse
    GustoOnPay
    Considered Both Products
    Gusto
    Chose Gusto
    I did not select Gusto, my client did. I add all new clients to OnPay. If a client has payroll previously and are happy with the provider, I do not force them to change even though I wish I could.
    Incentivized
    Chose Gusto
    For payroll processing, Gusto has better software/interface, better reporting, and better support.
    Incentivized
    Chose Gusto
    Gusto was affordable and worked the best for what our organization needed. We only have four employees, so we didn't want something expensive or hard to use. Gusto is easy and works for us!
    Incentivized
    OnPay
    Chose OnPay
    OnPay is far superior. I would not recommend Gusto. It was a problem from the start. After only a few months we realized Gusto was unable to provide us with a payroll service we could use. Switching to OnPay has been an excellent move. With Gusto it was one major problem after …
    Incentivized
    Chose OnPay
    Overall OnPay was the best bang for my buck. Had a lot to offer and was cheaper than the rest of the people we looked into
    Incentivized
    Chose OnPay
    OnPay is just a lot more user friendly. It isn't bogged down by a million different features, it really just has everything you need and nothing you don't. It just makes everything really simple and efficient. It's my favorite payroll processing system to use out of several …
    Incentivized
    Chose OnPay
    Onpay was a "no-brainer" . Implementation, training, and ROI, exceeded all the other platforms we reviewed. Plus their customer support is excellent. You always know who you're working with. Really appreciated all the help we received implementing clients, and great customer …
    Incentivized
    Chose OnPay
    I selected OnPay because of the cost and the help they provided in transferring client data over from Intuit.
    Incentivized
    Chose OnPay
    OnPay is more affordable and has all the same features I need.
    Incentivized
    Chose OnPay
    We choose OnPay for their reputation for being small business and beginner friendly, competitive pricing, and their generally positive reviews. Going with QB Payroll would have been the "default" choice, but their pricing and customer service (we are QB accounting customer) is …
    Incentivized
    Key User Insights
    Would buy again
    91%
    Would buy again
    488 Answers
    98%
    Would buy again
    54 Answers
    Delivers good value for the price
    92%
    Delivers good value for the price
    395 Answers
    98%
    Delivers good value for the price
    54 Answers
    Happy with the feature set
    94%
    Happy with the feature set
    501 Answers
    98%
    Happy with the feature set
    54 Answers
    Lived up to sales and marketing promises
    89%
    Lived up to sales and marketing promises
    254 Answers
    98%
    Lived up to sales and marketing promises
    53 Answers
    Implementation went as expected
    93%
    Implementation went as expected
    311 Answers
    100%
    Implementation went as expected
    54 Answers
    Features
    GustoOnPay
    Payroll Management
    Comparison of Payroll Management features of Gusto and OnPay
    Feature
    Gusto
    9.2
    514 Ratings
    11% above category average
    OnPay
    9.9
    50 Ratings
    18% above category average
    Pay calculation9.6493 Ratings9.947 Ratings
    Support for external payroll vendors8.58 Ratings00 Ratings
    Benefit plan administration8.9358 Ratings9.916 Ratings
    Direct deposit files9.5497 Ratings10.045 Ratings
    Salary revision and increment management9.4383 Ratings10.034 Ratings
    Reimbursement management9.5127 Ratings9.821 Ratings
    Best Alternatives
    GustoOnPay
    Small Businesses
    OnPay
    Score9.9 out of 10
    Patriot Payroll
    Score9.7 out of 10
    Medium-sized Companies
    APS
    Score1.4 out of 10
    APS
    Score1.4 out of 10
    Enterprises
    ADP Streamline Payroll
    Score6.4 out of 10
    ADP Streamline Payroll
    Score6.4 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    GustoOnPay
    Likelihood to Recommend
    9.2
    (538 ratings)
    9.9
    (50 ratings)
    Likelihood to Renew
    10.0
    (12 ratings)
    9.1
    (3 ratings)
    Usability
    9.5
    (362 ratings)
    9.2
    (21 ratings)
    Availability
    -
    (0 ratings)
    9.1
    (1 ratings)
    Performance
    -
    (0 ratings)
    9.1
    (1 ratings)
    Support Rating
    1.3
    (25 ratings)
    8.8
    (21 ratings)
    Implementation Rating
    8.2
    (1 ratings)
    9.1
    (2 ratings)
    Configurability
    -
    (0 ratings)
    9.1
    (1 ratings)
    Contract Terms and Pricing Model
    -
    (0 ratings)
    9.1
    (1 ratings)
    Ease of integration
    -
    (0 ratings)
    9.1
    (1 ratings)
    Product Scalability
    -
    (0 ratings)
    9.1
    (1 ratings)
    Vendor post-sale
    -
    (0 ratings)
    9.1
    (1 ratings)
    Vendor pre-sale
    -
    (0 ratings)
    9.1
    (1 ratings)
    User Testimonials
    GustoOnPay
    Likelihood to Recommend
    Gusto
    Gusto is a great fit for small teams and startups that want a simple, reliable way to run payroll, manage tax filings, and give CPAs access without constant micromanagement. It’s especially useful for founders who need something that “just works.” The human support has been excellent—especially when forwarding confusing IRS mail.
    That said, it’s a bit less intuitive when it comes to benefits and compliance for fully remote companies. For example, labor law poster distribution isn’t streamlined for digital teams, and setting up benefits felt more complex than it needed to be. Still, I’d recommend Gusto to any startup looking to get payroll right from day one.
    Incentivized
    Read full review
    OnPay
    I'd say if you had someone who wasn't educated on how Payroll should be setup and function OnPay is less ideal. But even then you've got things so well setup and cost efficient, they could afford to put some focus on training. In my mind I imagine OnPay is the best solution for small to mid, even early large, company Payroll processing. We're a small company so I'm unaware of the options provided to streamline importing of large group payrolls, but that might be an area where the interface could provide challenges.
    Incentivized
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    Pros
    Gusto
    • Gusto really kills it on the simplicity. The app and website are very clear and straightforward.
    • Gusto also does a great job at being easy to navigate, visually pleasing, and logically posed.
    • Gusto communicates very clearly and provides just the right amount of communication.
    • Gusto makes the onboarding process very easy. I recently started at a new company and the process of filling out the necessary documents, filling out forms, and getting my benefit information input was soooooo easy!
    Incentivized
    Read full review
    OnPay
    • Communication - From my first call I was so impressed at the level of care and compassion OnPay expressed. I was assigned specific employees who were available in the sign up process to walk me through each step and to answer all my questions. I know some of my questions were probably "stupid" but OnPay never minded answering them and I was always treated with respect.
    • On Boarding - The nightmare I had experienced with a competitor became a dream with OnPay. They said if I would authorize them to sign onto my account they would take care of the sign up process. And they did!!! They also did it correctly. All of the numbers and information was error free. The only information I was required was input was direct deposit bank information.
    • Resolving an Issue - I have only had one issue that needed to be resolved. The person I talked to had to check with another person for an answer but she stayed on the line with me to make sure the problem was resolved. Then I received a follow up email outlining exactly what action they had taken.
    • Ease of using the website - I can find what I am looking for! I like the verification code. And every time I sign on to my account the red heart by our company name makes me smile.
    Incentivized
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    Cons
    Gusto
    • Adding in previous time manually could be more accessible.
    • Notifications for when employees manually change hours.
    • We should allow 1099 users to use the mobile app instead of restricting them to the website, especially since they can just log into the full website on their mobile device.
    Incentivized
    Read full review
    OnPay
    • You can add additional additions or benefit items such as a car allowance. The process required me to contact a representative as that wasn't as easy to navigate.
    • The process for handling additional withholdings for pre-payed taxes required support to ensure the calculations were accurate.
    • Process for on-boarding is a little tricky if you don't start the process from the point of hire. You can add various things easily but it reflects differently in terms of completion of an Employee file.
    Read full review
    Likelihood to Renew
    Gusto
    Unless they break it, I'm never leaving. It's just too easy. Gusto is also really affordable, and for what I pay, it's worth having the historical record within the system. I like that I can go back and pull up W2's for year's past. This sort of easy access reporting, has been helpful especially when getting reports for PPP loans.
    Read full review
    OnPay
    We have used OnPay for a few years now and we do continue to renew our annual use of OnPay. We are only a small organization and although OnPay provides a lot of additional services that larger organizations might ind useful, OnPay still meets our limited requirements of running bi-weekly payroll and submitting our quarterly state and federal tax documents, and at a price that we still find affordable.
    Incentivized
    Read full review
    Usability
    Gusto
    The overall platform and its speed of response are amazing. I would recommend this to any other business owner for ease of use and reliability. Email reminders are great if I’m super busy and have forgotten a few tasks. The price point compared to local payroll service is hands down a huge win.
    Incentivized
    Read full review
    OnPay
    OnPay is very easy to use. The computer interface is setup very well. You can quickly add people, enter your Payroll, print reports, etc. If your Payroll doesn't change from pay period to pay period (example, salaried employees) it takes mere seconds to enter in your Payroll.
    Incentivized
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    Reliability and Availability
    Gusto
    No answers on this topic
    OnPay
    OnPay immediately responds to any of my inquiries.
    Incentivized
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    Performance
    Gusto
    No answers on this topic
    OnPay
    No complaints on OnPay's integration with Xero.
    Incentivized
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    Support Rating
    Gusto
    Gusto's customer service has really deteriorated lately and they seem to have really changed their focus. It used to be when you called you were routed to an individual who knew about payroll, benefits, reporting, etc. but now you get someone who seems to have not received the correct training. My last call about a dismissal payroll took me over an hour of my time and the person still could not help me and finally transferred me to someone else.
    Incentivized
    Read full review
    OnPay
    They have always solved my problems and answered the questions I had. In the earlier years, they were much better and faster but in recent years there appears to be not as much people available so this results in more email requests.
    Incentivized
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    Implementation Rating
    Gusto
    Reach out to support immediately if you are having trouble setting up Gusto. Rather than being confused and trying to figure it out yourself, it's much better to talk to someone who knows what they are doing. Save yourself time and frustration and reach out to support
    Incentivized
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    OnPay
    Easy to implement and easy to convert any other payroll reports to the OnPay system when making the switch
    Incentivized
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    Alternatives Considered
    Gusto
    It's been a while since I used QuickBooks for payroll, but it doesn't even come close to it. Gusto is infinitely easier, allowing for employee time tracking, handling calculations and payments of payroll and payroll taxes, managing regulatory compliance in the background, and more. I had a lot of moments using QuickBooks Payroll where I thought, "Am I even doing this right?" — it felt like you had to have additional knowledge of HR regulations in your state to do everything correctly. Gusto has it ALL handled so you can focus your time on higher-impact tasks in your business.
    Incentivized
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    OnPay
    OnPay is tremendously less expensive and technically superior to Quickbooks in my opinion. OnPay is less expensive and offered the ease of managing a restaurant payroll that was better in my opinion than When I Work. My experience when evaluating all of the payroll products that I felt the company could afford was that OnPay had a superior staff of professionals who knew their product and could explain how to use it most clearly.
    Incentivized
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    Scalability
    Gusto
    No answers on this topic
    OnPay
    OnPay works.
    Incentivized
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    Return on Investment
    Gusto
    • For me, it is hard to quantify payroll software as having an ROI. It does save quite a bit of time per pay period, so perhaps we could assign a theoretical number to an employee taking that time. I'd say, at the least, it saves 30-60 minutes a pay period compared to a more difficult-to-use payroll software.
    Incentivized
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    OnPay
    • Massive time savings. Wonderfully easy to use interface.
    • I've loved the Chat feature. It's provided quick clear direction from your staff for me at times when it was needed.
    • I've had very minimal worry about the tax filings and am grateful for that component of your automation.
    • During the recession we experienced as a result of COVID19 I was particularly grateful we were able to have guidance from your team on how we needed to handle ERC credits. We did run into filing issues there, but were able to resolve them in the end.
    Incentivized
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    ScreenShots

    Gusto Screenshots

    Screenshot of Gusto's automated payrollScreenshot of the time-off tracking interfaceScreenshot of the source of truth for HR data

    OnPay Screenshots

    Screenshot of full-service payrollScreenshot of multiple pay rates and schedulesScreenshot of employee self-onboarding and org charts, which are built-inScreenshot of an e-signable offer lettersScreenshot of calendars, where PTO is managed and approvedScreenshot of centralized finances, viewed with over 20 reports for analyzing employment-related expenses