Gusto vs OnPay

Two payroll & HR tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	GustoGusto	OnPayOnPay
In one line	Payroll, benefits, and onboarding for small teams	One flat-price payroll plan with tax filing and HR basics
Starting price	From $49/mo + $7/person	From $49/mo + $6/person
Six-person team	$91/mo	$85/mo
Plans	Simple $49/mo + $7 per person; Plus $99/mo + $12 per person; Premium $179/mo + $22 per person; no yearly price shown	$49/mo + $6 per person paid; unlimited pay runs; tax filings in all states; first month free
Pricing model	Paid	Free trial
Free trial	—	30 days
Users	Per person	Per person paid
Both connect to	QuickBooks Online, Xero, When I Work
Also connects to	FreshBooks, Homebase Scheduling, Jobber, Connecteam, Buddy Punch, ZipBooks, Bench, Kick +1 more	No others on record
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	Not looked up yet	Every plan
Live chat	Plans not stated	Every plan
Support hours	Not published	Phone: 9AM – 8PM ET, Monday – Friday · Live chat: Monday - Friday, 9AM-8PM ET
Incidents posted	0 incidents posted on Gusto's status page, which covers all Gusto products and regions, in the 90 days to Oct 27, 2026. Status page	We found no public status page for OnPay.
Capterra score	4.6 / 5 from 4,230 reviews	4.8 / 5 from 469 reviews
Trustpilot score	1.9 / 5 from 2,550 reviews	3.7 / 5 from 319 reviews
Fit: Retail shop	90	82
Fit: Restaurant or café	88	85
Fit: Service business	92	85
Fit: Agency or studio	92	80
Fit: Trades or contractor	85	85
Fit: Online store	85	72
Why people pick it	All 50 states, automatic filings Benefits on the same platform Contractor-only plan at $35/mo	One simple price All states included
Where it falls short	Multi-state needs the Plus tier Support can be slow at quarter end	Fewer HR extras than Gusto No time tracking of its own
	Visit Gusto ↗	Visit OnPay ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices

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