Quick Overview
- 1#1: Gusto - Full-service payroll, benefits administration, and HR tools designed specifically for small businesses with automated tax filing and compliance.
- 2#2: QuickBooks Payroll - Seamless payroll integration with QuickBooks accounting software, offering direct deposit, tax calculations, and year-end forms for small businesses.
- 3#3: OnPay - Affordable, user-friendly payroll software with unlimited payroll runs, expert support, and benefits management tailored for small businesses.
- 4#4: ADP RUN - Scalable payroll solution for small businesses featuring automated tax compliance, direct deposit, and HR integrations.
- 5#5: Paychex Flex - Comprehensive payroll and HCM platform with time tracking, benefits, and 24/7 support optimized for small to mid-sized businesses.
- 6#6: Patriot Software - Cost-effective full-service payroll with guaranteed accurate tax filing and multi-state support for small businesses.
- 7#7: Rippling - All-in-one payroll, HR, and IT platform that automates employee onboarding, benefits, and global payroll for growing small businesses.
- 8#8: Wave Payroll - Free or low-cost payroll add-on to Wave accounting, handling calculations, filings, and payments for very small businesses.
- 9#9: Square Payroll - Simple payroll integrated with Square payments, supporting contractors, employees, and same-day direct deposit for small retail businesses.
- 10#10: Justworks - PEO-powered payroll with employer-sponsored benefits, compliance, and HR support for small businesses seeking hands-off management.
Tools were evaluated based on key factors: feature robustness (including tax automation, benefits management, and integration), user-friendliness (intuitive design, support accessibility), and long-term value (scalability, cost-effectiveness), ensuring a balanced mix of reliability and practicality for small business use.
Comparison Table
For small business owners aiming to streamline payroll processes, choosing the right tool—such as Gusto, QuickBooks Payroll, OnPay, ADP RUN, Paychex Flex, and more—requires clear insight into features, pricing, and usability. This comparison table simplifies the decision-making process by breaking down key details, helping readers identify software that aligns with their budget, compliance needs, and operational scale.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Gusto Full-service payroll, benefits administration, and HR tools designed specifically for small businesses with automated tax filing and compliance. | enterprise | 9.5/10 | 9.6/10 | 9.4/10 | 9.2/10 |
| 2 | QuickBooks Payroll Seamless payroll integration with QuickBooks accounting software, offering direct deposit, tax calculations, and year-end forms for small businesses. | enterprise | 9.2/10 | 9.5/10 | 8.7/10 | 8.4/10 |
| 3 | OnPay Affordable, user-friendly payroll software with unlimited payroll runs, expert support, and benefits management tailored for small businesses. | enterprise | 8.8/10 | 8.5/10 | 9.2/10 | 9.5/10 |
| 4 | ADP RUN Scalable payroll solution for small businesses featuring automated tax compliance, direct deposit, and HR integrations. | enterprise | 8.4/10 | 9.1/10 | 7.6/10 | 7.8/10 |
| 5 | Paychex Flex Comprehensive payroll and HCM platform with time tracking, benefits, and 24/7 support optimized for small to mid-sized businesses. | enterprise | 8.3/10 | 9.1/10 | 7.6/10 | 7.4/10 |
| 6 | Patriot Software Cost-effective full-service payroll with guaranteed accurate tax filing and multi-state support for small businesses. | enterprise | 8.4/10 | 7.9/10 | 9.1/10 | 9.3/10 |
| 7 | Rippling All-in-one payroll, HR, and IT platform that automates employee onboarding, benefits, and global payroll for growing small businesses. | enterprise | 8.7/10 | 9.3/10 | 8.1/10 | 7.8/10 |
| 8 | Wave Payroll Free or low-cost payroll add-on to Wave accounting, handling calculations, filings, and payments for very small businesses. | enterprise | 7.8/10 | 7.2/10 | 8.9/10 | 9.1/10 |
| 9 | Square Payroll Simple payroll integrated with Square payments, supporting contractors, employees, and same-day direct deposit for small retail businesses. | enterprise | 8.1/10 | 7.6/10 | 9.3/10 | 8.5/10 |
| 10 | Justworks PEO-powered payroll with employer-sponsored benefits, compliance, and HR support for small businesses seeking hands-off management. | enterprise | 7.9/10 | 8.5/10 | 8.2/10 | 7.0/10 |
Full-service payroll, benefits administration, and HR tools designed specifically for small businesses with automated tax filing and compliance.
Seamless payroll integration with QuickBooks accounting software, offering direct deposit, tax calculations, and year-end forms for small businesses.
Affordable, user-friendly payroll software with unlimited payroll runs, expert support, and benefits management tailored for small businesses.
Scalable payroll solution for small businesses featuring automated tax compliance, direct deposit, and HR integrations.
Comprehensive payroll and HCM platform with time tracking, benefits, and 24/7 support optimized for small to mid-sized businesses.
Cost-effective full-service payroll with guaranteed accurate tax filing and multi-state support for small businesses.
All-in-one payroll, HR, and IT platform that automates employee onboarding, benefits, and global payroll for growing small businesses.
Free or low-cost payroll add-on to Wave accounting, handling calculations, filings, and payments for very small businesses.
Simple payroll integrated with Square payments, supporting contractors, employees, and same-day direct deposit for small retail businesses.
PEO-powered payroll with employer-sponsored benefits, compliance, and HR support for small businesses seeking hands-off management.
Gusto
enterpriseFull-service payroll, benefits administration, and HR tools designed specifically for small businesses with automated tax filing and compliance.
Hands-off multi-state payroll and tax compliance, where Gusto files and pays taxes automatically
Gusto is an all-in-one payroll, HR, and benefits platform tailored for small businesses, automating payroll runs, tax calculations, filings, and direct deposits across all 50 states. It also provides employee self-service portals, time tracking, performance reviews, and compliance tools to streamline HR tasks. With seamless integrations to accounting software like QuickBooks and Xero, Gusto simplifies financial management for growing teams.
Pros
- Automated full-service payroll with multi-state tax filing and compliance
- Comprehensive HR tools including onboarding, benefits admin, and time-off tracking
- Intuitive interface with mobile app and strong integrations for accounting software
Cons
- Pricing scales quickly with employee count and advanced features
- Limited customization in reporting for complex needs
- Customer support can have longer wait times during tax season
Best For
Small businesses with 1-100 employees seeking an user-friendly, full-service payroll and HR solution without in-house expertise.
Pricing
Simple: $40 base + $6/employee/month; Plus: $80 + $12/employee/month; Premium: Custom quote; plus add-ons for HR and benefits.
QuickBooks Payroll
enterpriseSeamless payroll integration with QuickBooks accounting software, offering direct deposit, tax calculations, and year-end forms for small businesses.
Deep integration with QuickBooks accounting for automatic syncing of payroll data to financial books
QuickBooks Payroll is a comprehensive payroll management solution from Intuit tailored for small businesses, automating paycheck calculations, tax withholdings, and direct deposits. It excels in seamless integration with QuickBooks Online and Desktop accounting software, enabling unified tracking of payroll expenses and financials. Additional features include employee self-service portals, time tracking, and automated federal/state tax filings for compliance.
Pros
- Seamless integration with QuickBooks for streamlined accounting and payroll
- Automated tax calculations, filings, and payments to ensure compliance
- Employee self-service portal and mobile app for easy access to pay stubs and W-2s
Cons
- Higher pricing, especially as an add-on to QuickBooks subscriptions
- Customer support can be slow or inconsistent during peak times
- Steeper learning curve for users new to the QuickBooks ecosystem
Best For
Small businesses already using QuickBooks accounting software that need robust, integrated payroll processing with strong compliance tools.
Pricing
Core: $50/mo + $6/employee; Premium: $80/mo + $9/employee; Elite: $125/mo + $11/employee (billed annually; requires QuickBooks Online subscription)
OnPay
enterpriseAffordable, user-friendly payroll software with unlimited payroll runs, expert support, and benefits management tailored for small businesses.
100% payroll accuracy guarantee—if there's an error due to OnPay, they cover penalties and fees.
OnPay is a full-service payroll software tailored for small businesses, automating payroll processing, tax calculations, filings, and payments across all 50 states. It supports unlimited payroll runs, multi-state payroll, garnishments, and 1099 filings, while integrating with accounting tools like QuickBooks and Xero. The platform also offers benefits administration, workers' comp tracking, and employee self-service portals for a streamlined HR experience.
Pros
- Affordable flat-rate pricing with no hidden fees and unlimited payroll runs
- Exceptional customer support with dedicated specialists
- Seamless handling of complex payroll needs like multi-state taxes and garnishments
Cons
- No built-in time tracking (requires integrations)
- Limited advanced HR features compared to all-in-one platforms
- Employee mobile app is basic and lacks some modern functionalities
Best For
Small businesses with up to 50 employees seeking reliable, cost-effective payroll processing without extensive HR needs.
Pricing
$40/month base fee + $6 per active employee/month; free setup, trial, and year-round tax filing included.
ADP RUN
enterpriseScalable payroll solution for small businesses featuring automated tax compliance, direct deposit, and HR integrations.
Guaranteed accurate multi-state tax filing and payments with built-in compliance updates
ADP RUN is a robust payroll platform tailored for small businesses, providing automated payroll processing, tax calculations, filings, and payments across multiple states. It includes HR tools like employee self-service, benefits administration, and time tracking integrations. Designed for scalability, it supports businesses from 1 to 49 employees with compliance-focused features to minimize errors and penalties.
Pros
- Comprehensive tax compliance and automated filings
- Seamless integrations with QuickBooks, Xero, and other accounting tools
- Dedicated U.S.-based customer support with payroll experts
Cons
- Higher pricing compared to competitors like Gusto
- Steep learning curve during initial setup
- Limited customization options for very basic needs
Best For
Small businesses with 10-50 employees seeking reliable, compliance-heavy payroll without needing advanced HR for larger teams.
Pricing
Starts at $59/month + $4 per employee (Essential plan); Enhanced at $99/month + $10/employee; Complete at $148/month + $11/employee; custom quotes for add-ons.
Paychex Flex
enterpriseComprehensive payroll and HCM platform with time tracking, benefits, and 24/7 support optimized for small to mid-sized businesses.
100% payroll accuracy and tax filing guarantee with expert outsourcing
Paychex Flex is a robust, cloud-based payroll and HR platform tailored for small to mid-sized businesses, offering automated payroll processing, tax compliance, benefits administration, time and attendance tracking, and employee self-service tools. It integrates seamlessly with accounting software and provides expert support to handle complex regulatory requirements across all 50 states. Ideal for growing small businesses, it scales from basic payroll to full-suite HR management without needing multiple vendors.
Pros
- Comprehensive compliance and automated tax filing with accuracy guarantees
- All-in-one HR, payroll, and benefits management
- Dedicated customer support and expert guidance
Cons
- Higher cost compared to DIY payroll tools
- Steeper learning curve for non-HR users
- Custom quoting can lead to pricing variability
Best For
Small businesses with 10-100 employees needing integrated payroll, HR, and compliance support without in-house expertise.
Pricing
Quote-based pricing; starts around $59/month base + $5/employee for essential plans, scaling up for advanced features.
Patriot Software
enterpriseCost-effective full-service payroll with guaranteed accurate tax filing and multi-state support for small businesses.
Full Service option where Patriot handles all federal/state/local tax filings and payments automatically.
Patriot Software offers cloud-based payroll solutions designed specifically for small businesses, handling payroll processing, tax calculations, filings, and direct deposits. It provides two main plans—Basic and Full Service—with options for new hire reporting, W-2/1099 creation, and basic HR forms. The platform emphasizes simplicity and affordability, allowing business owners to run payroll in minutes without extensive training.
Pros
- Highly affordable pricing with low per-employee fees
- User-friendly interface ideal for non-experts
- Strong customer support via phone and chat
Cons
- Limited advanced HR and benefits administration tools
- No integrated time tracking or scheduling
- Reporting features lack depth for complex needs
Best For
Small businesses with under 50 employees seeking a simple, budget-friendly payroll solution without needing robust HR integrations.
Pricing
Basic: $17 base + $4/employee/month (DIY taxes); Full Service: $37 base + $4/employee/month (taxes filed for you); annual discounts available.
Rippling
enterpriseAll-in-one payroll, HR, and IT platform that automates employee onboarding, benefits, and global payroll for growing small businesses.
Unified employee graph that automatically propagates changes across HR, payroll, IT, and benefits in real-time
Rippling is an all-in-one workforce management platform that unifies HR, payroll, IT, benefits, and finance for small to mid-sized businesses. It automates payroll processing, including tax calculations, filings, direct deposits, and compliance across 50+ countries. For small businesses, it excels in syncing employee data across systems to streamline onboarding, time tracking, and payments while reducing administrative errors.
Pros
- All-in-one integration of HR, payroll, IT, and benefits reduces tool sprawl
- Strong automation for global payroll and compliance in 50+ countries
- Seamless employee data syncing minimizes errors and speeds up processes
Cons
- Higher cost structure not ideal for tiny teams under 10 employees
- Feature richness can overwhelm users seeking simple payroll-only software
- Pricing requires custom quotes, lacking transparency
Best For
Growing small businesses needing scalable, integrated HR and payroll with global capabilities.
Pricing
Custom quote-based; payroll starts at ~$8/active employee/month + $35+ base fee, scales with modules added.
Wave Payroll
enterpriseFree or low-cost payroll add-on to Wave accounting, handling calculations, filings, and payments for very small businesses.
Deep integration with Wave's free invoicing and accounting tools for a complete financial suite at minimal extra cost
Wave Payroll is an affordable payroll solution integrated into Wave's free accounting platform, designed for small businesses in the US and Canada. It handles payroll processing, tax calculations, direct deposits, and compliance filings for both employees and contractors. Users can run unlimited payrolls on-demand with automatic tax withholdings and simple W-2/1099 form generation.
Pros
- Very affordable pricing, especially for contractors
- Intuitive interface with seamless integration to Wave Accounting
- Automatic tax calculations and filings included
- Unlimited payroll runs with direct deposit support
Cons
- Limited to US and Canada only
- Lacks advanced features like PTO tracking or benefits administration
- Customer support primarily email-based with no phone option
- No built-in time tracking
Best For
Solopreneurs and micro-businesses with contractors or a handful of employees who value low-cost, simple payroll integrated with free accounting.
Pricing
Contractor Payroll: $20/month + $6/active contractor; Employee Payroll: $40/month + $6/active employee (self-filing) or $80/month + $6/active employee (full-service tax filing).
Square Payroll
enterpriseSimple payroll integrated with Square payments, supporting contractors, employees, and same-day direct deposit for small retail businesses.
Effortless integration with Square's ecosystem for automatic employee data syncing from POS sales and Shifts scheduling
Square Payroll is a streamlined payroll solution tailored for small businesses, especially those using Square's POS and payment tools. It automates payroll processing for W-2 employees and 1099 contractors, including tax calculations, withholdings, direct deposits, and filings in most states. Key features include PTO tracking, simple reporting, and mobile accessibility, making it easy to run payroll on-demand.
Pros
- Seamless integration with Square POS, Shifts, and other tools
- Intuitive, mobile-first interface with quick setup
- Affordable, per-use pricing with no long-term contracts
Cons
- Automated tax filing unavailable in CA, CO, NY, NC, PA
- Lacks advanced HR tools like full benefits administration
- No native time tracking (requires Square Shifts integration)
Best For
Small retail, restaurant, or service businesses already using Square POS that need simple, integrated payroll.
Pricing
$6 per team member paid per month + $6 per contractor paid per month; no base fee or contracts.
Justworks
enterprisePEO-powered payroll with employer-sponsored benefits, compliance, and HR support for small businesses seeking hands-off management.
Co-employment model that unlocks Fortune 500-level benefits and compliance expertise for small businesses
Justworks is a Professional Employer Organization (PEO) platform designed for small businesses, offering integrated payroll processing, HR management, benefits administration, and compliance support. It automates payroll runs, tax filings, and payments while co-employing workers to provide access to better group health insurance rates and other perks. This all-in-one solution reduces administrative burdens for growing teams without dedicated HR staff.
Pros
- Seamless integration of payroll, HR, and benefits in one platform
- Strong compliance tools including automated tax filing and ACA reporting
- Access to premium group benefits at competitive rates for small teams
Cons
- Higher costs due to PEO model compared to standalone payroll software
- Co-employment structure may not suit businesses wanting full control over employees
- Less flexibility for highly customized payroll needs
Best For
Small businesses (10-200 employees) looking for an outsourced, full-service HR and payroll solution to scale without building an internal team.
Pricing
Custom PEO pricing typically 4-8% of monthly payroll plus base fees; starts around $150/month for small teams with per-employee add-ons.
Conclusion
Navigating the best payroll software for small businesses shows that while all tools offer strong features, Gusto leads as the top choice, excelling in full-service support and HR tools. Close behind, QuickBooks Payroll impresses with seamless integration into accounting software, and OnPay stands out for affordability and user-friendliness, each fitting different business needs. With such reliable options, small businesses can find a solution that streamlines operations and ensures efficiency.
Take the next step and explore Gusto—its all-in-one approach can transform your payroll management, letting you focus on growing your business.
Tools Reviewed
All tools were independently evaluated for this comparison
Referenced in the comparison table and product reviews above.
