Gusto vs OnPay
Verified ratings, feature by feature comparison and real pricing. Everything a North American business needs to pick between these two.
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Ratings
Every score, at a glance
Verified user ratings across every dimension. Gusto against OnPay, nothing weighted.
Dimensions won
22Gusto 2, OnPay 2
Gusto vs OnPay, across 5 rating dimensions
Widest rating gap
+0.9
OnPay leads on customer service
Verified reviews
425
212 for Gusto, 213 for OnPay
Gusto212 verified reviews
213 verified reviews
Ratings by dimension
- Gusto
- OnPay
Share of verified reviews
Which product reviewers actually write about.
- Gusto212
- OnPay213
Cost to get started
Cheapest paid plan, shown per month.
Gusto is the cheaper way in. Lower is not automatically better, so weigh it against the ratings above.
Head to head
Where each one wins
Row by row, with the stronger score highlighted. Straight from verified reviews.
| Gusto | OnPay | |
|---|---|---|
| Overall rating | 4.5 | 4.4 |
| Reviews | 212 | 213 |
| Ease of use | 4.8 | 4.8 |
| Value for money | 4.6 | 4.8 |
| Customer service | 4.0 | 4.9 |
| Functionality | 4.6 | 4.4 |
| Starting price | $49/mo | $49/mo |
| Free trial | Yes | Yes |
| Free version | No | No |
Features
Feature by feature, checked off
Everything each product ships, side by side. No marketing gloss.
| Feature | Gusto | OnPay |
|---|---|---|
| Full service US payroll | ||
| Automatic Form 941 and 940 filing | ||
| Automatic W-2 and 1099-NEC filing | ||
| Multi state payroll | ||
| Contractor payments | ||
| Health insurance administration | ||
| 401(k) administration | ||
| Workers compensation | ||
| Time tracking and PTO | ||
| Hiring and onboarding | ||
| Employee self service portal | ||
| Every feature on a single plan | ||
| Unlimited pay runs at no extra cost | ||
| Federal, state and local tax filing | ||
| W-2 and 1099 preparation and filing | ||
| Multi state payroll with no per state fee | ||
| Agricultural payroll with Form 943 | ||
| Restaurant payroll with tip credit handling | ||
| Garnishment administration | ||
| Data migration handled by OnPay |
Pricing
Both price lists, side by side
Every plan from both vendors, side by side, priced in US dollars.
Gusto plans
Simple
$49 base plus $6 per person. Single state payroll.
$49/mo
per month
- Full service single state payroll
- Automatic federal and state filings
- Employee self service
- Basic hiring and onboarding
- Health insurance administration
Plus
$80 base plus $12 per person. Multi state and time tracking.
$80/mo
per month
- Everything in Simple
- Multi state payroll
- Time tracking and PTO
- Team management tools
- Next day direct deposit
Premium
$180 base plus $22 per person. Adds HR support and compliance help.
$180/mo
per month
- Everything in Plus
- Access to certified HR experts
- Compliance alerts
- Dedicated support
- Full service payroll migration
Get current pricing
These are list prices and vendors adjust them from time to time. Check with Gusto for the figure you will actually pay.
OnPay plans
All in one plan
49 base plus 6 per person. Every feature, no higher tier.
$49/mo
per month
- 49 dollars base plus 6 per person
- Unlimited pay runs
- Federal, state and local filing
- W-2 and 1099 filing included
- Multi state payroll at no surcharge
- Employee self service
- Migration and setup included
Get current pricing
These are list prices and vendors adjust them from time to time. Check with OnPay for the figure you will actually pay.