Gusto vs OnPay: Payroll Software Comparison (2026)
Gusto and OnPay are both payroll software platforms. Gusto offers features such as domestic contractor payments, 4-day pay, Form 1099 creation and filings, single-state and multi-state payroll, unlimited payrolls per month, tax filings and payments, and a dedicated service advisor. OnPay offers direct deposit, hiring and onboarding, health insurance, built-in reporting, PTO management, 401(k) retirement, mobile-friendly access, and employee self-service. Gusto integrates with QuickBooks, Xero, Aplos, ZipBooks, Autobooks, FreshBooks, Expensify, and Hubstaff. OnPay integrates with Slack, Salesforce, QuickBooks, Xero, Zoho, HubSpot, Stripe, and PayPal.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask payroll software questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.
Probes run hourly; each (engine × query) combo retests every ~3 days.
Pricing
Key Features
- ✓Domestic contractor payments
- ✓4 day pay
- ✓Form 1099 creation and filings
- ✓Single-state payroll
- ✓Unlimited payrolls per month
- ✓Tax filings and payments
- ✓Multi-state payroll
- ✓Dedicated Service Advisor
- ✓Direct deposit
- ✓Hiring and onboarding
- ✓Health insurance
- ✓Built-in reporting
- ✓PTO management
- ✓401(k) retirement
- ✓Mobile friendly
- ✓Employee self-service
When to choose Gusto
Gusto is suitable for businesses that require features such as domestic contractor payments, 4-day pay, Form 1099 creation and filings, single or multi-state payroll, unlimited payroll runs, tax filings and payments, and a dedicated service advisor. Its integrations include QuickBooks, Xero, Aplos, ZipBooks, Autobooks, FreshBooks, Expensify, and Hubstaff. Gusto also offers transparent pricing, and customizable add-ons.
When to choose OnPay
OnPay is suitable for businesses that prioritize features such as direct deposit, hiring and onboarding tools, health insurance administration, built-in reporting, PTO management, 401(k) retirement plans, mobile accessibility, and employee self-service. Its integrations include Slack, Salesforce, QuickBooks, Xero, Zoho, HubSpot, Stripe, and PayPal. OnPay is also noted for its user-friendly interface, comprehensive feature set, and seamless onboarding process.
Frequently Asked Questions
AI visibility profiles
Is one of these your brand?
Get the full report by email: every payroll software buyer question we ask, which engines name you, and who gets named instead.
gusto.com
onpay.com