Choose Gusto if you need
- Integration with QuickBooks, FreshBooks or Expensify. We haven't found them on OnPay's website.
At a glance
- Gusto's lowest paid plan is Simple at $49 per month plus $6 per person per month, as of October 20, 2026.
- OnPay's lowest paid plan is Payroll Essentials at $49 per month base fee, plus $6 per worker per month, as of October 20, 2026.
- Both work with Xero.
- OnPay lists SOC 2 and SSO. We haven't confirmed any of these for Gusto.
- Gusto has a public API. We haven't confirmed one for OnPay.
From each tool's own website, checked on the dates below, and from published reviews.
Which to choose
From the facts checked for both tools, not from opinion. A fact we haven't confirmed for one of them is never counted.
Choose OnPay if you need
- Integration with QuickBooks Online, JazzHR or TurboTax. We haven't found them on Gusto's website.
Gusto
Nobody has reviewed Gusto yet. Its rating shows once it has 3 reviews.
Review Gusto
OnPay
Nobody has reviewed OnPay yet. Its rating shows once it has 3 reviews.
Review OnPayThe facts
- What it does
- GustoPayroll, benefits, and HR all in one place.
- OnPayPeople tech for payroll, HR, benefits and time tracking, backed by real experts
- Free plan
- GustoNot confirmed
- OnPayNot confirmed
- Pricing
- GustoNot confirmed
- OnPayBase fee plus per worker, monthly
- Paid plans from
- Gusto
What they share
From the platforms and integrations each website lists.
Integrations
Both
- Xero
Only Gusto
- QuickBooks
- FreshBooks
- Expensify
- Hubstaff
- Clover
- Homebase
Only OnPay
- QuickBooks Online
- JazzHR
- TurboTax
People who switched
Reviewers who say they used one of these before the other.
No reviewer has said they moved between Gusto and OnPay yet.
Used either of them?
Your review makes this comparison better for the next person. Review Gusto or review OnPay.