Gusto vs OnPay: Which Payroll Software Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.
The Short Answer
Gusto vs OnPay, in 15 seconds
Choose Gusto if…
- You want the lower entry price
- You depend on a broad integration ecosystem
- You want deeper AI and automation features
- You need the broader feature set
Choose OnPay if…
- You prefer OnPay's approach and ecosystem
Head-to-Head Scorecard
How Gusto and OnPay score
Gusto leads on 4 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
GustoNo reviewsOnPayNo reviews - Even
Review Volume
Number of verified reviews, a proxy for adoption
Gusto0OnPay0 - Gusto
Entry Pricing
Lowest published starting price (free plan = lowest)
Gusto$49/moOnPayCustom - Even
Free Access
Availability of a free plan and/or free trial
GustoFree trialOnPayFree trial - Gusto
Integrations
Number of listed third-party integrations
Gusto8OnPay6 - Gusto
Features
Number of listed product capabilities
Gusto11OnPay0 - Gusto
AI Features
Capabilities mentioning AI, automation or ML
Gusto1OnPay, - Even
Security & Compliance
Number of listed compliance certifications
Gusto2OnPay2 - Even
Platforms & Deployment
Supported platforms and deployment options
Gusto4OnPay4
Feature Comparison
Gusto vs OnPay feature breakdown
Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.
Gusto
OnPayPricing Comparison
Gusto vs OnPay pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
Gusto
$49/mo to start- Full-service single-state payroll
- Automatic tax filing
- Employee self-service
- Basic hiring & onboarding
- Multi-state payroll
- Next-day direct deposit
- Time tracking & PTO
- Project tracking
- Priority support & HR resources
- Compliance alerts
- Dedicated support
- Advanced integrations
- Unlimited contractor payments
- 1099 filings
- No monthly base (contractor-only)
- Self-service for contractors
OnPay
Custom to start- Standard support
- Analytics and reporting
- Integrations
- full-service payroll
- Advanced security and controls
- Everything in Professional
- Dedicated support and onboarding
- agriculture and nonprofit support
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
Gusto vs OnPay: strengths and trade-offs
Gusto
Pros
- Free trial offered
- Broad integration ecosystem (8)
- Compliance: SOC 2 Type II, GDPR
- Stronger AI / automation features
- Public API available
Cons
- No free plan
OnPay
Pros
- Free trial offered
- Compliance: SOC 2, GDPR
- Public API available
Cons
- No free plan
- Pricing is quote-based (less transparent)
- Fewer native integrations than the alternative
Buyer Fit
Who should use Gusto vs OnPay?
Startups
Gusto
Gusto keeps early-stage costs lowest with its entry tier.
Small businesses
Gusto
Gusto offers the most accessible pricing for lean teams.
Agencies
Gusto
Gusto connects to more tools for multi-client workflows.
Enterprises
Gusto
Gusto leads on compliance and breadth for complex needs.
Ecommerce
Gusto
Gusto integrates with more of the commerce stack.
SaaS companies
Gusto
Gusto is the more developer- and automation-friendly choice.
Integration overlap
Shared integrations (4)
Only in Gusto (4)
Only in OnPay (2)
Keep Exploring
Other alternatives worth considering
Similar payroll software products buyers compare alongside Gusto and OnPay.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs Gusto and OnPay against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationGusto vs OnPay, Frequently Asked Questions
What is the difference between Gusto and OnPay?
Gusto and OnPay are both Payroll Software solutions. Gusto is rated 0.0/5 by 0 users, while OnPay is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, Gusto or OnPay?
Based on user ratings, Gusto scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, Gusto or OnPay?
Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.
Does Gusto or OnPay have a free plan?
Neither Gusto nor OnPay currently offers a free plan, but Gusto provides a free trial.
Can I switch from Gusto to OnPay?
Switching between Gusto and OnPay is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use Gusto vs OnPay?
Gusto is best suited for teams that prioritise enterprise features. OnPay works well for teams needing advanced capabilities.
Our Verdict
The bottom line on Gusto vs OnPay
Best Overall
Either
It's a tie balances user satisfaction and proven adoption.
Best for Startups
Gusto
Gusto has the friendliest entry point for new teams.
Best for Enterprise
Gusto
Gusto leads on compliance and feature breadth.
Best Value
Gusto
Gusto delivers the lowest cost to get started.
Best AI Features
Gusto
Gusto ships more AI and automation.
Highest Rated
Either
Both earn equal user ratings.