Gusto vs OnPay

Last updated: 2025-11-27

This comparison focuses on who each tool fits best, pricing structure (where available), and the practical differences that matter for SMB payroll decisions.

At a glance

	Gusto	OnPay
Segment	SMB	SMB
Best for	Small businesses that want payroll plus basic HR and benefits administration in one place.	Small businesses that want reliable payroll and tax filing without a heavy HR suite.
Pricing	Tiered plans; pricing typically scales with headcount and selected add-ons (check vendor site).	Typically a base fee plus per-employee pricing (check vendor site).
Key features	Payroll processing Tax filings Employee onboarding Benefits administration Reporting	Payroll processing Tax filings Direct deposit Contractor payments Payroll reporting

Which should you choose?

Choose Gusto if…

You fit: Small businesses that want payroll plus basic HR and benefits administration in one place.
You value its approach to payroll + HR tradeoffs.

Choose OnPay if…

You fit: Small businesses that want reliable payroll and tax filing without a heavy HR suite.
You value its approach to payroll + HR tradeoffs.

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