OnPay vs Gusto: Payroll Software Comparison (2026)
An independent side-by-side comparison of OnPay and Gusto for payroll software buyers — pricing, features, integrations, and how often each is cited by major AI engines.
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
- ✓Direct deposit
- ✓Hiring and onboarding
- ✓Health insurance
- ✓Built-in reporting
- ✓PTO management
- ✓401(k) retirement
- ✓Mobile friendly
- ✓Employee self-service
- ✓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
When to choose OnPay
Choose OnPay if your team prioritizes its strengths over Gusto's. Full guidance populates as OnPay's feature data is indexed.
When to choose Gusto
Choose Gusto if your team prioritizes its strengths over OnPay's. Full guidance populates as Gusto's feature data is indexed.
AI visibility profiles
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onpay.com
gusto.com