⚖️Side-by-Side Comparison

OnPay vs Gusto: Which is Better in 2026?

We've compared 2 tools across pricing, features, ratings, and reviews to help you make an informed decision. No paid placements — just facts.

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Feature
OnPay logo
OnPay

HR & Recruiting

Gusto logo
Gusto

HR & Recruiting

RatingNo reviews yetNo reviews yet
Pricing
  • OnPay:$49/mo

as of Sep 18, 2026

  • Contractor-Only:$35/mo
  • Simple:$49/mo
  • Plus:$80/mo
  • Premium:$180/mo

as of Oct 26, 2026

Pricing ModelFree TrialPaid
Free Plan
Free Trial30 days
API Available
VerifiedVerified
Founded—2011
HQ—San Francisco, California, United States
Team SizeSmall BusinessSmall to midsize businesses
Platforms—
WebiOSAndroid
Top Integrations
QuickBooks OnlineQuickBooks DesktopXeroWhen I Work+1 more
QuickBooks OnlineQuickBooks DesktopXeroFreshBooks+4 more
Key Features
  • Automated Tax Payments
  • Unlimited Pay Runs
  • Benefits and HR in 50 States
  • Employee Self-Onboarding
  • Pay by Direct Deposit
  • +7 more
  • Full-service payroll
  • Benefits administration
  • Hiring and onboarding
  • Time tracking and PTO
  • Multi-state payroll
  • +1 more
Description

OnPay is a cloud-based, full-service payroll platform that runs pay, files and pays federal/state/local taxes automatically, and adds built-in HR and benefits administration in one system. It's aimed at small businesses and startups that want unlimited pay runs for W-2 employees and 1099 contractors at a flat, transparent price. Its main differentiator is affordable, all-inclusive pricing (every feature is included in a single plan) backed by hands-on payroll and tax support.

Gusto is the modern people platform for small and medium businesses. With easy-to-use payroll, benefits administration, hiring, and HR tools, Gusto serves 300,000+ businesses making it simpler to take care of teams.