# Compare Gusto vs OnPay 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Gusto and OnPay based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/131882-167109/Gusto-vs-OnPay --- # Gusto vs OnPay Features and Cost Comparison Last updated April 23rd, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: GustoOnPay2/4 selected [Gusto](https://www.capterra.com/p/131882/Gusto/)[4.6 (4,202)](https://www.capterra.com/p/131882/Gusto/reviews/) [OnPay](https://www.capterra.com/p/167109/OnPay/)[4.8 (464)](https://www.capterra.com/p/167109/OnPay/reviews/) [## Gusto](https://www.capterra.com/p/131882/Gusto/)[4.6 (4,202)](https://www.capterra.com/p/131882/Gusto/reviews/) Starting Price $49.00/month Value-for-Money 4.5 Functionality 4.5 Ease of Use 4.6 Customer Service 4.4 Reviews Sentiment Based on [4,202 reviews](#user-reviews) Positive 3,926 Neutral 162 Negative 114 [## OnPay](https://www.capterra.com/p/167109/OnPay/)[4.8 (464)](https://www.capterra.com/p/167109/OnPay/reviews/) Starting Price $49.00/month Value-for-Money 4.9 Functionality 4.7 Ease of Use 4.7 Customer Service 4.8 Reviews Sentiment MS JD Based on [464 reviews](#user-reviews) Positive 449 Neutral 4 Negative 11 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 28,367 reviews from payroll software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 84%Fit Feature ratings Payroll Management 4.6 Direct Deposit 4.7 Tax Compliance 4.4 W-2 Preparation 4.7 Tax Calculation 4.4 74%Fit Not enough reviews Feature ratings Payroll Management 4.8 Direct Deposit 4.8 Tax Compliance 4.7 W-2 Preparation 4.8 Tax Calculation \-- User satisfaction User satisfaction 4.6 User reviews[4,202](https://www.capterra.com/p/131882/Gusto/reviews/) Ease of use 4.6 Functionality 4.5 Value for money 4.5 Customer support 4.4 User satisfaction 4.8 User reviews[464](https://www.capterra.com/p/167109/OnPay/reviews/) Ease of use 4.7 Functionality 4.7 Value for money 4.9 Customer support 4.8 Price starts from Price starts from $49Other, Per Month - Free version - Free trial Price starts from $49Per User, Per Month - Free version - Free trial Best for Best for Gusto is the all-in-one HR platform for growing businesses. No matter the size or stage of your company, Gusto puts the tools you need to hire, pay, and manage your team at your fingertips. Best for OnPay's intuitive payroll and HR service helps every type of small business to pay and manage workers. Get a higher level of service with easy, accurate tools backed by top-rated support. ## User reviews Pros & cons Ryan P. Graphic Designer > "As an employee with the employer implementing Gusto as our way to clock hours and bill labor, I found it pretty simple and straightforward, with full transparency as far as being..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7057520) Hallye N. Operation Management > "Slow support, rising per-employee costs, limited customization, weaker mobile app, and advanced features locked behind higher-tier plans." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7119489) JT Jarvis T. Sales Rep > "The integration between the app and the desktop version makes the login and navigation process feel completely seamless, which significantly reduces the administrative burden of..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7136223) Sofia L. Head Administrative Assistant > "Gusto can get pricey depending upon the number of employees being serviced, and some employees have found it difficult to customize their withholdings." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7058600) RS Radha S. Legal Assistant > "The automated payroll runs, tax filings, and built‑in compliance support helped reduce errors and save time, while the clean interface made it easy to navigate without extensive..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7135559) Ferit T. Scientist > "Also they advertised they offered free tax prep with April, but after I prepared my tax return I saw that this only applied if you had taxes back, not taxes due, which wasn't..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7139725) RK Raechel K. Training Manager > "I appreciate that all of the information that I need is included in this application and provides a menu where I can access my personal information and easily transition to what..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7133061) Lenora H. Clinical Supervisor > "There has been times where it has been hours for you to be able to access your money and you cannot call to unlock your card with the customer service number." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7127736) YM Yasmin M. Operations Assistant > "I also appreciated how automated many processes are, like tax calculations and filings, which saves a lot of time and reduces the risk of errors." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7128692) YP Yolanda P. Founder > "The first time I applied for the Gusto card it took a while before my fun’s were on my card and my deposit was not sent to my card right away." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7075949) DH David H. Attorney > "It suits my personal needs as well, since the information I access is required for non-business needs, including loan and other financial matters." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7081595) GM Gustavo M. Manager > "What I don't like about Gusto is that it can get a bit pricey as your business grows or if you need additional features. While it's affordable for small businesses, the pricing..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6524324) VR Verified Reviewer server > "It excels at getting you paid reliably, often early, and without confusion. If that’s your main goal, it delivers. If you want robust banking tools or fast individual support,..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7072599) CJ Chris J. Director of Clinical Operations. > "Perhaps one of the bigger challenges with Gusto is its limited customization options. While it does cover the basics well, if your organization has unique payroll or benefit..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6559429) HS Hailey S. Server > "It is the perfect assistant to ensure that paystubs are done accurately, in a timely manner and allow for employees to have access to their tax documents." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6813926) VR Verified Reviewer HR Director > "There are limitations on reporting fuctions that needs some customization." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7054840) RS Radha S. Legal Assistant > "I found it to be a reliable and user‑friendly platform that simplified payroll and basic HR tasks, especially for small to mid‑sized organizations." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7135559) Ferit T. Scientist > "This makes it hard as I need to go to those accounts, transfer from them to another and that to Gusto etc." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7139725) SP Sara P. Director of Operations > "We have been using Gusto for years and it has truly changed how we operate. While we have a relatively small team, I can imagine this software would be equally beneficial for a..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7065761) Carlie R. Owner > "Sometimes the system ran a little bit slower than was supposed to and paychecks were going out late for several months" [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7105844) Ryan P. Graphic Designer > "Overall I found it easy to enter and keep track of my hours each day and week. If I ever add employees and grow the size of my business, I will use Gusto for all of my payroll..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7057520) CC Colton C. Operations Manager > "I am not a fan of the inability to submit time off requests if hours are not in the bank." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7133098) Dan J. COO > "For employee ease, clean interface, and simple to understand platform, Gusto proved a valuable investment. Once you grow beyond a certain size, it can be limiting as you scale..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7092250) SS Sara S. Client Relations Coordinator > "I also don't enjoy that each contractor has a limit on how many payments per month they can receive - we have had to combine several smaller payments into larger ones for some of..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6719423) NH Nicole H. Director of operations > "Being able to process payroll online and integrate with our scheduling tool is a time saver" [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7073152) HB Hayleigh B. Infant Teacher > "Gusto requires me to put a note every time I clock in and it doesn’t any of my coworkers." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7067109) SA Suman A. TAx preparer and Licensed Producer > "Time tracking and scheduling ensure accurate payroll and the mobile app enables management on the go." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7008018) Dovid D. Owner > "They lie about forms and tax filing so that they cause loss of money to the company." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7099297) YM Yasmin M. Operations Assistant > "Everything from running payroll to managing employee information is clearly organized, which makes it easy to navigate even without much prior experience." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7128692) TJ Tanya J. Founder > "Gusto like many software companies FAIL when it comes to providing adequate and thorough support. If you never run into issues, then the software works perfectly. If you have the..." [See full review](https://www.capterra.com/p/131882/Gusto/#SoftwareAdvice___6361416) Samantha L. Client Services > "It was easy to see my hours for the day and week when logging out for lunch and could accurately verify my hours each day" [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7143912) AD Angie D. Executive Director > "I'd like to do receipts on Gusto but I can't afford the additional cost, sometimes it feels like there are a lot of additional charges for basic features on an already high-cost..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6872741) PN Princess N. Legal Associate > "I like the part of accessing everything as everything is readily available from the drop down menu,our teams onboarding is simple and allows us to input our own information to..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6484529) Abbey W. owner, founder > "It's a bit difficult to link Gusto to benefits like workers comp and insurance." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7084565) SM Sanaa M. Middle School Staff > "As an employee, it is reassuring to be able to view upcoming paychecks, paystubs, tax documents, and account history in a highly convenient app on your smartphone." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6862833) JB John B. Treasurer > "It was tricky to get Gusto fully integrated with our preferred timekeeping system. " [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7073486) SP Sara P. Director of Operations > "Overall, Gusto is an excellent resource for payroll, managing salaries, and tracking time off." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7065761) TR Todd R. President > "The hiring module does not have a way of managing one applicant who has applied for multiple jobs. " [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6841973) James L. Consultant > "The price point is perfect for taking the responsibility of payroll reporting off the plate for business owners." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7066842) VR Verified Reviewer server > "Support favors employers. If you’re just an employee with a problem, response times can feel slower than they should." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7072599) RS Radha S. Legal Assistant > "The clean interface and helpful reminders made it easy to stay on top of deadlines, even without deep payroll expertise." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7135559) MB Matt B. CEO > "I wish that Gusto handled payroll outside the US, as the lack of that feature has forced us to look at other products." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6817891) JG Janna G. Executive Director > "Gusto allows for individual employee engagement which provides efficiency for the HR team while allowing an autonomous management of personal details such as PTO request, pay..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6542595) VR Verified Reviewer CEO and Founder > "It was such a mess that what was 100% automated by the doctor and pharmacy, the pharmacy couldn't undo the transaction and was going to send back the prescription." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6865118) DH David H. Attorney > "The login is reasonable easy, and it's easy to find the information I need - in particular the tax and paystub information described above, which is often needed for nonbusiness..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7081595) YB YURI B. HR > "the one con I can think of is that the site seems a little dated like it's not as easy to use as other systems." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7109453) Bryce S. Software Implementation > "It handles tax filings, benefits administration, and direct deposits seamlessly, which saves a lot of time." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6883167) GS Garrett S. Federal WildFire Contracts > "Gusto’s actions continuously creates unnecessary financial strain and wasted time." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7079651) Emily C. Business Manager > "It’s also very affordable compared to many other payroll services, especially for small to mid-sized businesses, and offers good value for what you get." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7080271) MK Matthew K. CEO > "Their support gaslights you and waste your time for at least an hour before reaching out for help, then they discuss ways to try and explain to you they aren't going to do..." [See full review](https://www.capterra.com/p/131882/Gusto/#SoftwareAdvice___6865516) MG Moran G. Mobile Marketing Lead > "I love the employee interface, it gives a detailed breakdown of actual hours worked and amounts due, with statistics that enhance transparency." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6641857) SM Sanaa M. Middle School Staff > "Gusto does not contain direct messaging options for employees to contact their company's HR services team." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6862833) Stenie O. People Care and Coordinator Director > "It provides great help to small business management that do not want to invest a lot of money to do their payroll." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7097567) JS Jessica S. Program Manager > "Lack of gps tracking function when clocking in and bread crumbs." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6870996) NH Neil H. Franchise Owner > "I especially like the straightforward pricing model. As you become busier, you pay more, but when things slow down, the pricing also decreases, based on the number of active..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6820410) KO Kearis O. Director > "For instance, the card we had on file to pay our subscription expired, so the whole system went down." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6857654) VR Verified Reviewer Administrative Director > "I love using Gusto it is a great tool for small businesses who what to keep good records and grow professionally" [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7081478) VR Verified Reviewer CEO and Founder > "The family had to go in person to the pharmacy, use a different credit card and not be able to use their own FSA money." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6865118) AM Anukriti M. Architectural Designer > "Employees can access their pay stubs, tax forms, and benefits details, which reduces administrative burden and enhances transparency." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6620227) VR Verified Reviewer CEO and Founder > "A receipt for a denied transaction. Before I would ever recommend that great payroll that Gusto has been, they need to either stop doing FSA all together or find a partner that..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6865118) BK Brianna K. Social Media Manager > "Even after I left a company who used Gusto, the team at Gusto were able to help me track down my W2s or other resources I might need." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7029219) VM Vincent M. Operations Manager > "weeks of behind 401k contributions, and it's not 100% Gusto's fault but my experience is that it's been very hard to get answers from their team that works in this department." [See full review](https://www.capterra.com/p/131882/Gusto/#SoftwareAdvice___6884455) James L. Consultant > "Gusto has always been a great platform for managing payroll for small and mid-sized businesses." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7066842) VR Verified Reviewer Office Manager > "The customer service can be a little frustrating at times." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7075036) GM Gustavo M. Manager > "After more than two years of using Gusto as my primary payroll tool, my experience has been quite smooth and efficient, especially when managing my store's employee finances and..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6524324) MS Morgan S. Customer Success Manager > "For example, I got married one year, and now have a different email than the one that Gusto uses for login, and I cannot figure out how to change the actual login email which is..." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6523679) CB Cecelia B. Operations Specialist > "I only had one bad experience with Gusto, but they fixed the bugs and issues really quick, and their customer support helped out as well." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7107707) ZB Zakaria B. sales rep > "The limited customization options for reports can be a drawback for businesses with specific needs." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6608809) LP Lynne P. Office Manager > "What I like most about Gusto is how it simplifies payroll and HR tasks." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7107684) MH Melanie H. HR Specialist > "The reporting is not as robust or user friendly as our accounting software reporting." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6807540) AK Amanda K. Assistant Director > "I can pay my team members within a minutes with some clicks and it also takes care of taxes automatically which saves me a lot of time." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6492973) Lenora H. Clinical Supervisor > "With customer support experience, customer service could use some improvement." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7127736) Abbey W. owner, founder > "I love how simple it is to use as Gusto guides you through all the requirements, from taxes to reports and files them all automatically." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7084565) VR Verified Reviewer server > "Not ideal if you still live in the physical-currency world." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7072599) VR Verified Reviewer Operations Manager > "I have enjoyed my time using Gusto; it alerts me around payday and helps me look through my paystubs and PTO management." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6445284) RK Raechel K. Training Manager > "I cannot always access my personal email while working." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___7133061) AG Adina G. Home Healthcare > "Gusto automate tasks like on boarding new clients and running payroll, freeing up time for more strategic work and business." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6529045) VR Verified Reviewer administrative > "The only drawback I would point out is that it sometimes takes a while to respond, and some advanced features are only available on higher plans." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6802184) MS Morgan S. Customer Success Manager > "As a place to track my pay, I appreciate the user-friendly interface making it simple to explore tools within the platform, and find all information that I need at any point." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6523679) AG Allison G. Owner > "We want people to be able to clock in/out for a paid lunch break just to track time, but this isn't possible." [See full review](https://www.capterra.com/p/131882/Gusto/#Capterra___6547872) [View Reviews](https://www.capterra.com/p/131882/Gusto/reviews/) MS Marcus S. Owner > "It supports unlimited monthly pay runs for W-2 employees and 1099 contractors, handles multi-state..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7042688) CR Cory R. outside sales > "The software does not have built-in time tracking or scheduling tools, requiring users to rely on external..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7055392) JD Jennifer D. Director of Development > "I love that employees are able to create their own login and download their own paystubs, W-2, etc. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6770933) OD Olga D. Pharmacist > "Not being able to set date of payroll check to be sooner to when I ran payroll l. I wish I could make the..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7070755) NF Nancy F. Director of Operations > "OnPay has been proactive, responsive, and clear at every stage." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7079762) MI Marylenny I. Owner > "I dislike that there is not an option to suspend the account for the months that i will not need it." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6881082) AD Angie D. Accountant > "Pleased with the onboarding specialist who was very helpful in answering questions - having a direct line..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7000414) MS Marcus S. Owner > "Also, there isn’t a strong native mobile app for employers." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7042688) NF Nancy F. Director of Operations > "This was my first time running payroll, and I really appreciated how approachable and supportive they were..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7079762) VR Verified Reviewer Manager > "Mobile app isn’t as functional as the main application" [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6554771) RS Rachel S. Managing Member > "The interface is easy to use and running payroll takes only a few clicks." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7127342) KK Kassaundra K. HR Manager > "Unable to make updates when you are the admin." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6778061) MS Marcus S. Owner > "Overall, it worked for us with the transparent pricing and predictable costs." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7042688) JB Jamie B. CEO and Doctor of Chinese Medicine > "I work with a piece rate system and that has been a bit difficult to set up through OnPay since it is not..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___5046400) Tari M. Administrator > "OnPay is a great solution for any size business. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7117198) DM Dave M. president > "The net result is OnPay caused our small business to receive hundreds of dollars of fees and interest plus..." [See full review](https://www.capterra.com/p/167109/OnPay/#SoftwareAdvice___6032653) JK Jean K. Attorney > "Has all the necessary payroll features for employers and employees. And no ridiculous nonstop..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___5002875) JC Jackie C. Clinic manager > "The reports aren’t as user friendly as I would like." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6805860) Tari M. Administrator > "It's easy to setup and even easier to do a payroll run. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7117198) KJ Kerri J. Accountant > "Having multiple clients enrolled but not all of them having the same interface is cumbersome." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___5093780) TM Tara M. APN > "Since the beginning, the customer support with OnPay has been phenomenal." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7022080) RC Rod C. Financial Controller > "OnPay refused to reset the security to allow me to pay the employees on time, even though I had all the..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4685766) AB Ashlee B. Operations Manager > "I appreciate that their team made it easy to transition over and the price is amazing for its value." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7027818) CH Cheryl H. Financial Secretary > "The only issue with use is understanding how to add Clergy housing." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4994657) SG Stephen G. Treasurer > "The customer support is extremely helpful and the website is very easy to navigate." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7014724) DM Dave M. president > "Also, OnPay did not honor the first month free that they advertise." [See full review](https://www.capterra.com/p/167109/OnPay/#SoftwareAdvice___6032653) SH Sarah H. CEO > "I am very happy with OnPay and so glad I switched to them from my previous payroll software." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7011587) JS James S. HR Rep > "General usability is not great and feature set is limited." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4847843) MS Marcus S. Owner > "Great fit for small businesses." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7042688) DM Dave M. president > "Either way, it cost fees, interest, and time to resolve the issue." [See full review](https://www.capterra.com/p/167109/OnPay/#SoftwareAdvice___6032653) MI Marylenny I. Owner > "I am still navigating tools but it is pretty intuitive." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6881082) DM Dave M. president > "Sometimes they made calculation errors." [See full review](https://www.capterra.com/p/167109/OnPay/#SoftwareAdvice___6032653) DE Dale E. CEO > "Website easy to use." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7136008) KT Kerry T. President > "Some functions are not easy to figure out." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4993837) DE Dale E. CEO > "Onboarding was easy." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7136008) AP Amy P. Account Manager > "Not as easy to set up if you are paying one employee multiple workers comp codes and on salary. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3544391) JR Jessica R. Director of Operations > "The pros of OnPay are it's ease of use and affordability." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6833072) GC Gary C. Owner > "When using a tablet instead of a computer, you may not be able to access everything." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2893613) TM Tara M. APN > "Ease of use, the portal is very clean and not overwhelming." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___7022080) MB Merrell B. Treasurer > "Removing a no-longer needed payroll run setup is a pain point. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3216913) MF Michelle F. CAS Manager > "The full service payroll software saves us so much time with tax remittance and payroll compliance reports." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___5094772) LH Lowell H. President/CEO > "I can get check reprints but once I exit out of the payroll run I cannot seem to get that PDF of the..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2651688) DN Danielle N. Recovery division specialist > "They make payroll more approachable and takes out a lot of the guess work out that first time users may..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6085817) TP Timothy P. Reverend > "It is all user friendly. If there is something negative about the software it's that I don't need to use a..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3109346) JS Jon S. Sales > "They are there when I need help and have a mostly intuitive interface that allows me to take care of tasks..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4925128) SK Spencer K. CEO > "Not sure how to set up a commission based employee payroll." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3028568) AM Alison M. Field Agent > "Overall Onpay is a good software for small businesses keep track of payroll, business expenses, and taxes." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4913586) AA Austin A. Owner > "The failure on tax reporting alone is reason to go elsewhere" [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2904268) KK Kassaundra K. HR Manager > "Very user friendly, allows self service for employees." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6778061) SH Steve H. Owner > "This was not what we wanted and never requested to have that, so it seemed like a bit of a sketchy effort..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3029083) LS Laura S. Financial Administrator > "OnPay sends invitation so employees and contractors can onboard themselves; it easy to change pay rates or..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4288018) CC Cc C. Owner > "I can't imagine switching any of my clients to other platforms." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3205307) FA Fassil A. Marketing Manager > "With OnPay, we have best payroll features and has best HR and onboarding capabilities" [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6224627) GC Gayle C. Manager > "The new employee set up is a bit tedious." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3217059) JR Jessica R. Director of Operations > "As a small nonprofit, we have had a great experience and overall would highly recommend for small..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6833072) AA Austin A. Owner > "They keep messing up taxes." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2904268) JD Jennifer D. Director of Development > "The interface is very intuitive. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6770933) HR Hannah R. Owner > "This has caused us issues in the past." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3428513) DN Danielle N. Recovery division specialist > "Between learning accounting and payroll to being up to speed on tax laws OnPay makes my life a little..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6085817) MM Marsha M. Executive Director > "The dashboard was not user-friendly or eye-ease." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3438570) JS Jon S. Sales > "I like the ease of use with OnPay. And when there are issues or concerns, their team is quick to..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4925128) KK Kyle K. CEO > "some of the buttons aren't noticeable and some of the features aren't flagged or noticeable" [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2243875) AP Amy P. Account Manager > "This also cut out our frustrations and has helped our sanity and enjoyment of processing payroll. When..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___3544391) MH Martha H. Owner > "On boarding could be better, wasnt clear how to get I9s and w4s in the system." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2312109) TN Thang N. Owner / Operator > "OnPay is exactly the kind of payroll solution I needed to manage my business and keep my payroll organized..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4540902) JC James C. Owner/Driver > "As of right now I have yet to find a feature that my company needs that on pay dues not have." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2811354) TP Teresa P. Accounting Manager > "Their Customer Service is 2nd to NONE! Whenever I have had a question, no matter who I have spoken to,..." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4999410) VR Verified Reviewer Marketing Coordinator > "After that, the website would no longer let me log in with my password." [See full review](https://www.capterra.com/p/167109/OnPay/#GetApp___2392510) AD Andrew D. Owner/Manager > "Costs is also a great reason to signup to Onpay for payroll purposes" [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4922605) VR Verified Reviewer Marketing Coordinator > "I could only login with just my email, which felt a little sketchy." [See full review](https://www.capterra.com/p/167109/OnPay/#GetApp___2392510) AA Alex A. Executive Director > "We've had a great experience using Onpay for our online payroll servicess" [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4871346) RT Ron T. President > "Getting folks set up as contractors vs. employees has been the one struggle/frustration. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2291439) AD Andrew D. Owner/Manager > "It worked fine and given that my business is small it, I feel that I didn’t require much from the company...." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___4922605) TAF Terry Ann F. Office Manager > "Payroll reporting monthly was always a real pain for me. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2361063) KJ Kerri J. Accountant > "The most important pro is the prompt help we receive from all the different support teams." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___5093780) LH Lowell H. President/CEO > "The customer support is awful." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2651688) DN Danielle N. Recovery division specialist > "Offers great HR resources with extensive library" [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___6085817) PP Patty P. Accounts Payable > "Can't believe the poor customer service. " [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2563760) PF Peter F. Owner > "Good support and take care of reporting and filing." [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___5092021) PD Priti D. Manager > "Taxes late" [See full review](https://www.capterra.com/p/167109/OnPay/#Capterra___2656509) [View Reviews](https://www.capterra.com/p/167109/OnPay/reviews/) ## User interface 4.62 (4,202) [OnPay](https://www.capterra.com/p/167109/OnPay/) 4.82 (464) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit 1099 Preparation 207 Important 401(k) Tracking 150 Important Access Controls/Permissions 120 Important Gusto Top features 35/44 - 1099 Preparation - 401(k) Tracking - Access Controls/Permissions - Accounting Integration - Activity Dashboard - AI Copilot - AI/Machine Learning - Alerts/Notifications - API - Approval Process Control - Audit Management - Auto Update - Benefits Management - Calendar Management - Chatbot - Check Printing - Compensation Management - Compliance Management - Customizable Reports - Data Import/Export - Direct Deposit - Document Management - Employee Database - Employee Onboarding - Employee Profiles - Generative AI - Mobile Access - Multi-Country - Multi-State - Payroll Management - Payroll Outsourcing - Payroll Reporting - Process/Workflow Automation - Reimbursement Management - Reminders - Reporting & Statistics - Self Service Portal - Tax Calculation - Tax Compliance - Third-Party Integrations - Time & Attendance - Vacation/Leave Tracking - W-2 Preparation - Wage Garnishment [See all features](https://www.capterra.com/p/131882/Gusto/#features) OnPay 34/44 - 1099 Preparation - 401(k) Tracking - Access Controls/Permissions - Accounting Integration - Activity Dashboard - AI Copilot - AI/Machine Learning - Alerts/Notifications - API - Approval Process Control - Audit Management - Auto Update - Benefits Management - Calendar Management - Chatbot - Check Printing - Compensation Management - Compliance Management - Customizable Reports - Data Import/Export - Direct Deposit - Document Management - Employee Database - Employee Onboarding - Employee Profiles - Generative AI - Mobile Access - Multi-Country - Multi-State - Payroll Management - Payroll Outsourcing - Payroll Reporting - Process/Workflow Automation - Reimbursement Management - Reminders - Reporting & Statistics - Self Service Portal - Tax Calculation - Tax Compliance - Third-Party Integrations - Time & Attendance - Vacation/Leave Tracking - W-2 Preparation - Wage Garnishment [See all features](https://www.capterra.com/p/167109/OnPay/#features) ### Recognition Gusto is recognized as a top-rated tool in 5 Capterra Shortlist reports OnPay is recognized as a top-rated tool in 4 Capterra Shortlist reports Best Value PayrollSoftware (2026)  Best Value PayrollSoftware (2022)  ### Deployment & support Gusto Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos OnPay Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Gusto - By Gusto - Located in United States - Founded in 2011 OnPay - By OnPay - Located in United States - Founded in 2007 ## Popular Comparisons [Gusto](https://www.capterra.com/p/131882/Gusto/)[4.62 (4,202)](https://www.capterra.com/p/131882/Gusto/reviews/) vs [Deel](https://www.capterra.com/p/205015/Deel/)[4.85 (4,274)](https://www.capterra.com/p/205015/Deel/reviews/) $49/month Price $5/month 4.5 Features 4.8 4.6 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/131882-205015/Gusto-vs-Deel) [OnPay](https://www.capterra.com/p/167109/OnPay/)[4.82 (464)](https://www.capterra.com/p/167109/OnPay/reviews/) vs [Deel](https://www.capterra.com/p/205015/Deel/)[4.85 (4,274)](https://www.capterra.com/p/205015/Deel/reviews/) $49/month Price $5/month 4.7 Features 4.8 4.7 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/167109-205015/OnPay-vs-Deel) [Gusto](https://www.capterra.com/p/131882/Gusto/)[4.62 (4,202)](https://www.capterra.com/p/131882/Gusto/reviews/) vs [Rippling](https://www.capterra.com/p/172127/Rippling/)[4.86 (4,762)](https://www.capterra.com/p/172127/Rippling/reviews/) $49/month Price $8/month 4.5 Features 4.8 4.6 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/131882-172127/Gusto-vs-Rippling) [OnPay](https://www.capterra.com/p/167109/OnPay/)[4.82 (464)](https://www.capterra.com/p/167109/OnPay/reviews/) vs [Rippling](https://www.capterra.com/p/172127/Rippling/)[4.86 (4,762)](https://www.capterra.com/p/172127/Rippling/reviews/) $49/month Price $8/month 4.7 Features 4.8 4.7 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/167109-172127/OnPay-vs-Rippling) [Gusto](https://www.capterra.com/p/131882/Gusto/)[4.62 (4,202)](https://www.capterra.com/p/131882/Gusto/reviews/) vs [RUN Powered by ADP](https://www.capterra.com/p/185859/RUN/)[4.57 (1,403)](https://www.capterra.com/p/185859/RUN/reviews/) $49/month Price Contact vendor for pricing 4.5 Features 4.5 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/131882-185859/Gusto-vs-RUN) [OnPay](https://www.capterra.com/p/167109/OnPay/)[4.82 (464)](https://www.capterra.com/p/167109/OnPay/reviews/) vs [RUN Powered by ADP](https://www.capterra.com/p/185859/RUN/)[4.57 (1,403)](https://www.capterra.com/p/185859/RUN/reviews/) $49/month Price Contact vendor for pricing 4.7 Features 4.5 4.7 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/167109-185859/OnPay-vs-RUN) [Gusto](https://www.capterra.com/p/131882/Gusto/)[4.62 (4,202)](https://www.capterra.com/p/131882/Gusto/reviews/) vs [Paylocity](https://www.capterra.com/p/86714/WebPay/)[4.34 (1,837)](https://www.capterra.com/p/86714/WebPay/reviews/) $49/month Price Contact vendor for pricing 4.5 Features 4.3 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/86714-131882/WebPay-vs-Gusto) [OnPay](https://www.capterra.com/p/167109/OnPay/)[4.82 (464)](https://www.capterra.com/p/167109/OnPay/reviews/) vs [Paylocity](https://www.capterra.com/p/86714/WebPay/)[4.34 (1,837)](https://www.capterra.com/p/86714/WebPay/reviews/) $49/month Price Contact vendor for pricing 4.7 Features 4.3 4.7 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/86714-167109/WebPay-vs-OnPay) [Gusto](https://www.capterra.com/p/131882/Gusto/)[4.62 (4,202)](https://www.capterra.com/p/131882/Gusto/reviews/) vs [ADP Workforce Now](https://www.capterra.com/p/155895/WorkforceNow/)[4.42 (7,197)](https://www.capterra.com/p/155895/WorkforceNow/reviews/) $49/month Price Contact vendor for pricing 4.5 Features 4.3 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/131882-155895/Gusto-vs-WorkforceNow) [OnPay](https://www.capterra.com/p/167109/OnPay/)[4.82 (464)](https://www.capterra.com/p/167109/OnPay/reviews/) vs [ADP Workforce Now](https://www.capterra.com/p/155895/WorkforceNow/)[4.42 (7,197)](https://www.capterra.com/p/155895/WorkforceNow/reviews/) $49/month Price Contact vendor for pricing 4.7 Features 4.3 4.7 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/155895-167109/WorkforceNow-vs-OnPay) [Gusto](https://www.capterra.com/p/131882/Gusto/)[4.62 (4,202)](https://www.capterra.com/p/131882/Gusto/reviews/) vs [Patriot Software](https://www.capterra.com/p/116050/Patriot-Software/)[4.80 (3,935)](https://www.capterra.com/p/116050/Patriot-Software/reviews/) $49/month Price $17/month 4.5 Features 4.7 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/116050-131882/Patriot-Software-vs-Gusto) [OnPay](https://www.capterra.com/p/167109/OnPay/)[4.82 (464)](https://www.capterra.com/p/167109/OnPay/reviews/) vs [Patriot Software](https://www.capterra.com/p/116050/Patriot-Software/)[4.80 (3,935)](https://www.capterra.com/p/116050/Patriot-Software/reviews/) $49/month Price $17/month 4.7 Features 4.7 4.7 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/116050-167109/Patriot-Software-vs-OnPay)