Payroll software comparison

Gusto vs OnPay

A practical comparison of Gusto and OnPay for payroll, HR, contractor, and operational workflows.

Small business team reviewing payroll software
Affiliate disclosure: PayrollCompareLab may earn compensation when readers click provider links. Compensation never controls our research notes, comparison criteria, or warnings. Verify pricing, tax support, state coverage, and service terms directly with each provider before buying.

Quick verdict

Choose Gusto when your requirements match small businesses that want payroll, tax filings, onboarding, benefits, and basic hr tools in one guided system.. Choose OnPay when your requirements match small businesses that want a simpler payroll product with hr basics and less platform complexity.. The better choice depends on worker types, jurisdictions, HR depth, accounting stack, and support expectations.

Side-by-side

ProviderBest fitPricing modelPrimary caution
GustoBest payroll platform for small businessPaid plans; pricing varies by plan, state, and add-onsVery large employers that need a deeply customized enterprise HRIS implementation.
OnPayBest straightforward payroll for budget-conscious small teamsFlat base fee plus per-worker pricing; verify current pricingCompanies that need global payroll, deep HRIS, or IT workflow automation.

Gusto strengths

  • Guided payroll runs
  • Payroll tax filing support
  • Benefits and onboarding options

OnPay strengths

  • Simple payroll positioning
  • Good small business fit
  • HR basics included in workflow

Questions to ask both vendors

Ask about tax filing obligations, supported locations, contractor workflows, benefits, time tracking, accounting sync, support during payroll deadlines, data export rights, and migration timing. Require written confirmation for anything compliance-sensitive.