Home/Compare/Gusto vs OnPay
Updated on: December 9, 2019

Gusto vs OnPay

(166 Ratings)
(88 Ratings)
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(166 Ratings)
(88 Ratings)
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Gusto is an all-on-one solution that offers HR, benefits, payroll, and time tracking functionality, all from one centralized platform. Gusto’s HR capabilities include the ability to more efficiently and effectively onboard new hires, to ensure they are getting up-to-speed quickly, settling into the company, and gaining the necessary knowledge. Gusto cuts down on your admin and paperwork –– which also provides benefits in terms of sustainability by enabling your employees to sign forms and contracts, as well as enroll in benefits and your company’s payroll scheme, online. This means you don’t have to print any paper forms. Gusto also enables you and your employees to manage PTO better bu automatically syncing with both your company calendar and your payroll system. You can also send out anonymous surveys to find out how your team is doing, get recommendations on how to improve, and receive feedback on what your employees like and don’t like. As Gusto centralizes your data, you can more easily stay complaint with HR regulations. ..read more

OnPay combines over 30 years of experience with the latest Internet technology to save small business owners both time and money. It's an easy, quick, mobile-friendly system that doesn't require a steep learning curve,​ according to Entrepreneur's list of the best small business payroll solutions. Pay employees, automate tax payments and filings, and rely on OnPay's guarantee that filings will be error free. ..read more


401(k) Tracking

Attendance Tracking

Benefits Management

Check Printing

Compensation Management

Deductions Management

Direct Deposit

Leave Tracking (Vacation)


Self Service Portal

Tax Management

W-2 Preparation

Wage Garnishment


Access Monitoring

24/7 (Live rep)

Business Hours


Contact Number/Address

San Francisco, CA / 855 620-8243

Atlanta, GA - 30309 / 877-328-6505






Mobile - Android

Mobile - iOS

Mobile - Windows

Mobile - BlackBerry

Installed - Windows

Installed - Mac




Large Enterprises

Medium Business

Small Business


Pricing Model

Free Trial


One-time license



Quotation Based


$6 /User/Month

$6 per Month per User plus $39 per Month Base

Refreshingly easy payroll so you can get back to what matters most


  • Unlimited payrolls
  • All 50 states
  • Tax filings and payments
  • State and Federal Unemployment Insurance
  • W-2s and 1099s
  • Garnishments
  • Multiple pay rates and schedules
  • Tip credits
  • Direct deposit
  • Paid-time-off policy tracking
  • Accounting integrations
  • Time-tracking integrations
  • State new hire reporting
  • Payroll reports
  • Paystubs and tax forms
  • Lifetime access
  • Payroll self-onboarding
  • Payday emails
  • New hire welcome
  • Teams, departments, managers
  • E-sign I-9 and W-4
  • Calendar reminders
  • Licensed benefits advising
  • Online enrollment
  • Employee support
  • ACA, HIPAA, ERISA compliance
  • Integrated pay-as-you-go policies
  • Automated billing
  • Online estimate
  • Unlimited phone, email, chat

$12 /User/Month

$12 per User per Month plus $39 per Month Base

Better HR tools so you can create a great place to work


  • Includes features of Core plan, plus
  • Customizable admin permissions
  • Online offer letters
  • Secure document vault
  • E-sign custom documents
  • Simple time tracking
  • Time-off requests
  • Automated payroll sync
  • Calendar sync
  • Holiday pay
  • Org chart
  • Coworker directory and fun facts
  • Custom fields
  • Anonymous employee surveys
  • Survey trend analysis
  • Actionable feedback
$12 /User/Month

$12 per User per Month plus $149 per Month Base

Certified HR pros and resources so you don’t have to go it alone


  • Includes features of Complete plan, plus
  • Unlimited ask the pro
  • HR compliance help
  • Employee relations advising
  • Custom employee handbook
  • Job description templates
  • HR guides and policy templates
  • Harassment prevention training
  • Proactive compliance updates
  • Dedicated support team
  • Direct line for phone support
Benefits and insurance to any Gusto plan
  1. Health benefits
    • Thousands of health plans, from top carriers and licensed brokers to help you enroll (Pay only for premiums)
  2. 401(k) retirement plans
    • ​​​​​​​Integrated 401(k) plans through our partner Guideline, with some of the lowest fees in the industry
    • $8 per Month per participant
    • $40 per Month minimum
    • $500 setup fee
  3. Workers’ comp insurance
    • ​​​​​​​Pay-as-you-go workers’ comp plans, through our partner AP Intego, that integrate with your payroll (Pay only for premiums)
  4. 529 college savings plans
    • Tax-advantaged savings accounts, through our partner Gradvisor, so employees can save for their children's educations
    • $6 per Month per participant
    • $18 per Month minimum

Contact the vendor to get the detailed pricing information.

Tax-Advantaged spending accounts
$2.5 /User/Month
  1. Health Savings Account (HSA) :
    • Pre-tax savings accounts for qualified health expenses
    • $2.50 per Month per Participant (No minimum)
  2. Flexible Spending Account (FSA) :
    • ​​​​​​​​​​​​​​​​​​​​​Pre-tax spending accounts for qualified health expenses (Health FSA) and qualified dependent care expenses (Dependent FSA)
    • $4 per Month per Participant
    • $20 per Month (minimum)
  3. Commuter benefits :

    • ​​​​​​​​​​​​​​​​​​​​​​​​​​​​Pre-tax spending accounts for commuting costs

    • $4 per Month per Participant

    • $20 per Month (minimum)

Contact the vendor to get the detailed pricing information.

View Price Page
$36 /Month

Base Fee $36 per Month + $4 per Month per Users


  • Unlimited monthly pay runs
  • All tax filings and payments
  • W-2 and 1099 workers
  • 2-day turnaround for most clients
  • Pay by direct deposit, debit card, or check
  • Multiple pay rates and schedules
  • Garnishments
  • Unemployment insurance withholding
  • 40+ payroll reports
  • Optimized for mobile
  • Multi-state payroll
  • Available in all 50 states
  • Employee self-service
  • Integrations : QuickBooks Online, QuickBooks Desktop, Xero, FreshBooks (coming soon), TSheets, Deputy, WhenIWork, Tanda, Humanity, ThinkHR, PosterElite, Magnify
  • Essential HR tools
  • Perfect PTO management


  • Add top-notch benefits
  • Add integrated worker's company

Based upon the Number of Users, the pricing plan varies.

View Price Page


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  • BambooHR
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  • Freshbooks
  • Xero
  • When I Work
  • Quickbooks
  • TSheets
  • Xero