# Gusto vs. OnPay — 2026 Payroll Comparison

> Source: https://gustodiscountcode.com/gusto-vs/onpay
> Independent Gusto referral site. Pricing as of 2026 from each provider's public pricing pages — confirm current rates before purchasing.

OnPay matches Gusto almost dollar-for-dollar on price and is a genuinely good, no-frills payroll option. The difference is depth: Gusto offers built-in time tracking, a broader benefits marketplace, HRAs, and a more polished onboarding flow. If you want room to grow into HR features, Gusto has more headroom.

## Feature comparison

| Feature | Gusto | OnPay |
|---|---|---|
| Base price | $40/mo | $40/mo |
| Per employee | $6/employee/mo | $6/employee/mo |
| Contractor payroll | $35/mo + $6/contractor | Same $6/person, no separate plan |
| Payroll tax filing | Automatic, all 50 states — included | Included, all 50 states |
| Benefits administration | Health, dental, vision, 401(k), HRA | Health & 401(k) integrations |
| Time tracking | Built in (Plus & Premium) | Integrations only |
| Intro offer | First month free + $300 offer | First month free (varies) |
| Support | Phone, email, chat | Phone, email, chat (business hours) |
| Best for | Small businesses that want payroll + HR + benefits in one place | Small businesses wanting simple flat-rate payroll |

## Where Gusto wins

- Built-in time tracking (OnPay relies on integrations)
- Broader benefits and HR feature set
- $300 new-customer offer through this site

## Where OnPay wins

- Very similar flat-rate pricing
- Simple, single-plan structure

## The bottom line

For most small and mid-sized businesses, Gusto offers the best balance of transparent pricing, built-in benefits, and automatic tax filing — and new customers can earn a $300 Visa card for running payroll: https://dub.sh/yDuTchj. Choose OnPay if small businesses wanting simple flat-rate payroll.

## Compare Gusto to other providers

- [Gusto vs. ADP](https://gustodiscountcode.com/gusto-vs/adp)
- [Gusto vs. QuickBooks Payroll](https://gustodiscountcode.com/gusto-vs/quickbooks)
- [Gusto vs. Rippling](https://gustodiscountcode.com/gusto-vs/rippling)
- [Gusto vs. Paychex](https://gustodiscountcode.com/gusto-vs/paychex)
- [Gusto vs. Justworks](https://gustodiscountcode.com/gusto-vs/justworks)
- [Gusto vs. BambooHR](https://gustodiscountcode.com/gusto-vs/bamboohr)
- [Full payroll comparison chart](https://gustodiscountcode.com/gusto-vs)

**Get $300 for trying Gusto:** https://dub.sh/yDuTchj