OnPay and Gusto both publish a $49 monthly base plus $6 per person for their entry plans. OnPay's Payroll Essentials includes multi-state payroll, hiring and onboarding, and benefits administration, while Gusto's Simple plan covers basic payroll in one state and moves multi-state to Plus at $80 plus $12.
Monthly list price of each product’s entry plan with published per-employee pricing.
Analysis by dimension
Pricing. Both start at $49 plus $6 per person. OnPay's entry plan includes multi-state payroll, while Gusto's Simple plan covers one state and multi-state starts on Plus at $80 plus $12. Other features differ by tier, so compare the full package.
Capabilities. Both document tax filing, multi-state payroll, direct deposit, and employee self-service. OnPay also documents garnishments and year-end forms; Gusto also documents GL export and benefits administration.
Integrations. Gusto's App Directory shows 152 apps. OnPay documents nine native integrations. Both list QuickBooks Online and Xero.
Fit and support. Both list phone, email, and chat support. We could not confirm support hours for either.
At the entry level the price is the same: $49 per month plus $6 per person, so 10 people cost $109 monthly on either. The difference is what is included. OnPay's Payroll Essentials covers multi-state payroll, while Gusto's Simple plan covers one state and multi-state starts on Plus at $80 plus $12. Compare the full package you need.
Which is better for a small business, OnPay or Gusto?
Both target small businesses, and both publish prices. OnPay suits a small team that pays workers in several states and wants hiring, onboarding and benefits administration in the entry plan. Gusto suits a team that wants more integrations, with 152 apps listed, and faster pay options on higher plans. Match the plan to your states and tools.
Can you switch between OnPay and Gusto?
Gusto lists a monthly term with no contracts. We could not confirm OnPay's contract term, though it lists no implementation or integration fees. Both document tax filing and year-end W-2 and 1099 work, so plan a move around a quarter or year boundary, and ask the new vendor how it imports year-to-date payroll history.
What is the key difference between OnPay and Gusto?
Pricing starts the same, so the difference is packaging and ecosystem. OnPay includes multi-state payroll and benefits administration in its base plan and sells HR, time tracking, and live HR support as add-ons or bundles. Gusto separates Simple, Plus, and Premium by features and lists 152 integrations, against nine for OnPay.
Do OnPay and Gusto integrate with QuickBooks and Xero?
Yes. Both list QuickBooks Online and Xero integrations. Gusto also lists Slack, Salesforce, Google Workspace, Microsoft 365, Expensify, and Clover among 152 apps. OnPay lists JazzHR, Vestwell, and TurboTax among its nine native integrations, and also mentions When I Work and Deputy. Check the app directory for the tools you use.
Get quotes from OnPay and Gusto
Share your headcount and needs once; both vendors can quote for your situation.
LeadChange may earn a fee when you request pricing through our site or follow a sponsored link. Rankings are computed without knowing which vendors pay us.
How we make money
LeadChange may earn a fee when you request pricing through our site or follow a sponsored link. Rankings are computed without knowing which vendors pay us.
