Finance & Accounting

Best Payroll Software in 2026

13 payroll software products compared for 2026, ranked by filed revenue and client counts, payroll breadth and published pricing.

Payroll software calculates employees' gross pay, withholds income tax and social contributions, pays net wages by direct deposit or cheque, and files the related tax returns and year-end forms with government agencies. Modern payroll products usually bundle these functions with time tracking, benefits deductions, onboarding and employee self-service, and many are sold as part of a wider human capital management (HCM) suite.

This list covers 13 payroll products available in November 2026, from the payroll processors that serve hundreds of thousands of US employers to cloud platforms built for small firms and global payroll services that pay staff across dozens of countries. ADP reports paying more than 42 million workers worldwide, while Paychex reports about 800,000 payroll clients; at the other end, single-location businesses can run payroll through add-ons priced from a few dollars per worker.

Entries are ordered by published scale and the breadth of payroll functions covered, using regulatory filings where the vendor is listed and vendor-published figures otherwise. Pricing was taken from vendors' own pages where those pages could be opened.

Contents
  1. What is payroll software
  2. History and market
  3. Key features to compare
  4. Pricing models
  5. How to choose
  6. Methodology
  7. The list
  8. Comparison table
  9. Alternatives by use case
  10. Recent developments
  11. Frequently asked questions
  12. See also

What is payroll software

Payroll software automates the pay cycle: it holds employee pay rates and tax elections, imports hours from time tracking, computes gross-to-net pay, moves funds to employees and tax authorities, and produces filings such as quarterly returns and annual W-2 and 1099 forms in the United States. Products sold as "full-service" also deposit and file payroll taxes on the employer's behalf; self-service or "no tax filing" tiers leave those deposits to the employer, which is cheaper but shifts compliance risk.

The category overlaps with several adjacent ones. HR software and HRIS platforms store employee records and often include payroll as a module. A PEO (professional employer organisation) goes further: it becomes the co-employer of record and runs payroll, benefits and workers' compensation under its own tax identifiers, as ADP TotalSource and Paychex's HR outsourcing business do. An EOR (employer of record) employs staff abroad on a client's behalf, which is distinct from global payroll software that pays staff through the client's own foreign entities. Accounting software for small business often bundles a basic payroll add-on, as Xero and QuickBooks do.

Payroll services for small business, which emphasise bundled tax filing and support for firms with a handful of employees, are covered in a separate list; this page addresses payroll software across company sizes, including mid-market and multinational employers.

History and market

Payroll was one of the first business functions to be outsourced to computers. ADP traces its origins to 1949 and now reports more than 1.1 million clients in over 140 countries and territories, with fiscal 2026 revenue of US$21.95 billion. Paychex was incorporated in Delaware in 1979 and reported fiscal 2026 revenue of US$6.51 billion, up 17% after it completed the acquisition of Paycor on 14 April 2025. These two processors defined the bureau model: the provider holds the client's payroll data, calculates pay and remits taxes.

A second generation of vendors built single-database HCM suites aimed at mid-sized employers. Paycom, founded in 1998 in Oklahoma City, reported 2025 revenue of US$2.05 billion; Paylocity reported fiscal 2026 revenue of US$1.77 billion and acquired the spend-management company Airbase with effect from 1 October 2024. A third wave of cloud-first vendors targeted small businesses with transparent per-employee pricing, while global payroll and employer-of-record providers such as Deel (founded 2019) and Remote grew with distributed hiring; Deel reports more than 40,000 customers and Remote more than 30,000.

Consolidation continues in two directions: large processors buy mid-market HCM vendors (Paychex–Paycor), and HCM vendors add finance functions (Paylocity–Airbase). Accounting platforms have also moved into payroll; Wave, which is backed by H&R Block, extended its tax-filing service to all 50 US states for customers signing up after April 2025. No independent market-size figure from a named research firm was verified for this list.

Key features to compare

Tax filing coverage

The core question is which taxes the provider calculates, deposits and files, and in which jurisdictions. Full-service products file federal, state and local returns; some low-cost tiers file nothing, and multi-state payroll can be an extra charge, as with SurePayroll's US$9.99 monthly multi-state fee.

Pay speed and payment methods

Direct-deposit timing varies: QuickBooks' entry payroll tier offers next-day deposit while its higher tiers allow same-day payment if payroll is run by 7:00 am. ADP also offers payment by Wisely pay card or paper cheque.

Integration with time, benefits and HR

Payroll errors usually start in the inputs. Suites that share one employee database across time, benefits and payroll, such as Paycom, avoid re-keying data; standalone tools rely on integrations with HR software and time tracking software.

Employee self-service

Self-service portals let employees view pay stubs, change tax elections and download W-2s. Paycom's Beti goes further and asks employees to review and approve their own paychecks before payroll is submitted.

Contractor and international payments

Firms paying 1099 contractors or overseas staff should check whether contractors are billed at the same rate as employees and which countries are covered. Remote states coverage of more than 100 countries and jurisdictions for global payroll; Deel cites 150 countries.

Support model

Large processors assign service teams and offer 24/7 support for small-business products (ADP RUN advertises 24/7 live payroll support); lower-cost cloud tools rely more on chat and help centres.

Accounting integration

A general-ledger export or direct sync to accounting software saves manual journal entries. Remote lists GL exports and integrations with NetSuite and Xero; Deel lists NetSuite, SAP, Oracle and Workday.

Pricing models

Three pricing models dominate. Cloud tools for small firms charge a monthly base fee plus a per-person fee: Square charges US$35 per month plus US$6 per person paid, Wave US$40 plus US$6 per employee or contractor paid, and Zoho Payroll from US$29 per organisation per month (billed annually) plus US$5 per employee. QuickBooks' payroll bundles run from US$44 per month plus US$6.50 per employee to US$101.50 plus US$10 per employee.

Mid-market and enterprise suites price per employee per month inside a custom quote. Rippling starts at US$8 per employee per month plus an unpublished base fee; ADP, Paycom, Paylocity and Paychex Flex do not publish prices for their main products. Introductory offers are common: ADP advertises up to six months of free payroll on RUN, and Paycor advertises 50% off for six months.

Global payroll is priced per employee per country: Remote starts at US$19 per employee per month where the client owns the local entity, while employer-of-record service costs from US$599 per employee per month at both Deel and Remote.

How to choose

Very small employers (1–10 staff): Square Payroll suits businesses already using Square point of sale, Wave suits owners using Wave accounting, and Zoho Payroll and Xero suit firms already on those accounting suites. The base fee matters more than the per-person fee at this size.

Growing small businesses (10–50 staff): RUN Powered by ADP (designed for 1–49 employees), Gusto, QuickBooks payroll and Paychex products add HR tools, benefits and more support. Rippling suits companies that also want identity and device management on the same employee record.

Mid-sized employers (50–5,000 staff): Paylocity describes typical clients as having 10 to 5,000 employees, and Paycom targets organisations with 50 to 10,000 or more. ADP Workforce Now serves more than 90,000 mid-sized and large businesses in North America.

Multinational teams: Deel and Remote combine global payroll, contractor payments and employer-of-record services, so a company can pay staff where it has entities and employ through the provider where it does not.

Methodology

Products were included if payroll calculation and payment is a core function sold under the vendor's own name in November 2026 and the vendor's product, pricing or filing pages could be opened during research. The order reflects, first, published scale (revenue, client counts or customers from SEC filings, or vendor-published counts for private companies) and, second, the breadth of payroll functions (tax filing coverage, international reach, integrated HR). Publicly listed vendors with audited figures therefore rank ahead of private vendors of similar size.

Prices are list prices in US dollars (Xero in pounds sterling) as published in November 2026, excluding promotions unless stated. No review-site scores or testimonials were used. Gusto's own website refused automated access during research, so its prices are attributed to a named third-party source and should be checked on gusto.com. OnPay, Patriot Software, Justworks and Dayforce were considered but excluded because their pages could not be opened.

The list

1

ADP

Best for: Employers of any size wanting a long-established processor with full tax filing

Automatic Data Processing (ADP), headquartered in Roseland, New Jersey, is the largest payroll and HCM provider by revenue among those reviewed. Its fiscal 2026 annual report (year ended 30 June 2026) records total revenues of US$21.95 billion, more than 1.1 million clients in over 140 countries and territories, and more than 42 million workers paid worldwide, about 26 million of them in the United States. The company traces its origins to 1949 and had about 67,000 associates at fiscal year-end.

ADP sells payroll through several platforms by client size. RUN Powered by ADP, for businesses with 1–49 employees, serves more than 980,000 small businesses and is sold in four packages from Essential Payroll to HR Pro Payroll & HR. ADP Workforce Now serves more than 90,000 mid-sized and large businesses in North America, and ADP TotalSource is a PEO supporting more than 770,000 worksite employees. Its scale brings broad tax-jurisdiction coverage and 24/7 phone support on RUN. The main limitations are opacity on price, since no package price is published, and the fact that features are split across products, so moving between platforms as a business grows can mean a migration.

Key features

  • Payroll tax calculation and filing
  • Direct deposit, Wisely pay card or cheque
  • W-2 and 1099 preparation and e-filing
  • AI error flagging before submission (RUN)
  • Mobile app for running payroll
  • PEO option through ADP TotalSource

Pricing

Quote-based. RUN Powered by ADP is sold as Essential, Enhanced, Complete Payroll & HR+ and HR Pro Payroll & HR; each requires a quote. ADP advertised up to six months of free payroll on RUN, subject to terms.

Recent results

Fiscal 2026: total revenues US$21,947.4 million, against US$20,560.9 million in fiscal 2025.

Founded
1949
Headquarters
Roseland, New Jersey, US
Revenue (FY2026)
US$21.95bn
Clients
1.1 million+
Employees
~67,000 (June 2026)
Listed on
Nasdaq (ADP)

Strengths

  • Largest disclosed client base and jurisdiction coverage
  • Products for every size, from RUN to Workforce Now
  • 24/7 live payroll support on RUN
  • PEO available for firms wanting co-employment

Limitations

  • No published pricing for any package
  • Different platforms by company size
  • HR features require higher-priced packages
  • Promotional free months carry separate terms
2

Paychex

Best for: Small and mid-sized US employers wanting payroll plus HR outsourcing

Paychex, Inc., incorporated in 1979 and with dual headquarters in Rochester, New York, and Cincinnati, Ohio, is the second-largest US payroll processor reviewed. Its 10-K for the fiscal year ended 31 May 2026 reports total revenue of US$6.51 billion, up 17% from US$5.57 billion, about 840,000 customers of which about 800,000 are payroll clients, and about 2.6 million worksite employees supported through its HR outsourcing business. It had about 17,600 employees.

Its proprietary HCM platform, Paychex Flex, serves small and medium-sized businesses with payroll, HR, benefits and time tools. On 14 April 2025 Paychex completed the acquisition of Paycor, an HCM and payroll software vendor for mid-sized employers, which accounts for much of the revenue growth. Paychex also owns SurePayroll, a self-service online payroll brand for very small businesses with published pricing. The breadth of the group lets a client move from SurePayroll to Paychex Flex or the PEO without changing vendor. Paychex Flex prices are not published, and the coexistence of three platforms (Flex, Paycor, SurePayroll) means product choice depends heavily on the sales channel.

Key features

  • Paychex Flex HCM platform
  • Payroll tax filing and deposits
  • PEO and HR outsourcing services
  • SurePayroll self-service tier
  • Paycor HCM for mid-market

Pricing

Paychex Flex: quote-based. SurePayroll Full Service: US$29/month plus US$7 per employee (the page also showed US$39 in places); No Tax Filing: US$20/month plus US$4 per employee; multi-state payroll US$9.99/month. Paycor advertised 50% off for six months.

Ownership and history

Incorporated in Delaware in 1979; acquired Paycor on 14 April 2025; listed on Nasdaq.

Founded
1979 (incorporated)
Headquarters
Rochester, NY and Cincinnati, OH, US
Revenue (FY2026)
US$6.51bn
Payroll clients
~800,000 (May 2026)
Employees
~17,600

Strengths

  • Very large US payroll client base
  • Options from self-service to PEO
  • Paycor adds a mid-market HCM suite
  • SurePayroll publishes prices

Limitations

  • Paychex Flex pricing unpublished
  • Three overlapping platforms
  • SurePayroll pricing page showed inconsistent figures
  • Primarily US-focused
3

Paycom

Best for: Mid-sized and large US employers wanting employee-verified payroll

Paycom Software, founded in 1998 and headquartered in Oklahoma City, sells a cloud HCM suite built on a single database covering payroll, time, talent and HR. Its 10-K for 2025 reports total revenues of US$2.05 billion, up 9.0% from US$1.88 billion in 2024, about 39,200 clients (about 20,300 when grouped by parent company) and 5,770 employees. It is listed on the New York Stock Exchange under the ticker PAYC.

Paycom's distinguishing product is Beti, which lets employees review and approve their own paychecks before payroll is submitted, so that errors are corrected before funds move rather than through off-cycle runs. The company targets organisations with 50 to 10,000 or more employees and says it will continue to focus on businesses with more than 1,000 employees. Global HCM extends some functions to more than 190 countries. Paycom does not publish prices; its suite is sold as a whole platform rather than a cheap payroll-only tier, which makes it less suitable for very small employers.

Key features

  • Beti employee-approved payroll
  • Single database for HR, time and payroll
  • Global HCM in 190+ countries
  • Employee self-service mobile app
  • Time and labour management

Pricing

Quote-based; no prices published.

Recent results

2025 total revenues US$2,051.7 million (2024: US$1,883.2 million).

Founded
1998
Headquarters
Oklahoma City, Oklahoma, US
Revenue (FY2025)
US$2.05bn
Clients
~39,200 (Dec 2025)
Employees
5,770
Listed on
NYSE (PAYC)

Strengths

  • Employee-verified payroll reduces corrections
  • One database across HCM modules
  • Audited public-company disclosures
  • Strong fit for 1,000+ employee firms

Limitations

  • No published pricing
  • Not designed for very small businesses
  • Suite purchase rather than payroll-only
  • International payroll less extensive than global specialists
4

Paylocity

Best for: US mid-sized employers wanting payroll, HR and spend in one vendor

Paylocity Holding Corp., headquartered in Schaumburg, Illinois, provides cloud payroll and HCM software to US employers. Its 10-K for the fiscal year ended 30 June 2026 reports total revenue of US$1.77 billion, up 11% from US$1.60 billion, approximately 44,400 clients (excluding clients gained through acquisitions) and about 6,900 employees. Clients typically have between 10 and 5,000 employees.

The platform combines payroll, time and labour, benefits administration, talent management and employee communication tools. In October 2024 Paylocity acquired Airbase, a spend-management company, extending its product into expense management and accounts payable, which lets finance teams manage payroll and non-payroll spend from one vendor. Paylocity positions itself on employee experience and modern interfaces for mid-sized firms. Pricing is not published and is quoted per employee per month. The service is US-focused, so companies with substantial foreign headcount need a separate global payroll provider.

Key features

  • Payroll with tax filing
  • Time, labour and scheduling
  • Benefits administration
  • Airbase spend and AP management
  • Employee communication tools

Pricing

Quote-based; priced per employee per month in custom contracts.

Recent results

Fiscal 2026: revenue US$1,771.3 million (fiscal 2025: US$1,595.2 million); ~44,400 clients.

Headquarters
Schaumburg, Illinois, US
Revenue (FY2026)
US$1.77bn
Clients
~44,400 (June 2026)
Employees
~6,900
Listed on
Nasdaq (PCTY)

Strengths

  • Broad mid-market HCM coverage
  • Spend management added through Airbase
  • Audited growth disclosures
  • Clear focus on 10–5,000 employee firms

Limitations

  • No published pricing
  • US-only payroll
  • Suite contracts can include modules a buyer does not need
  • Less suited to microbusinesses
5

Gusto

Best for: US startups and small businesses wanting transparent full-service payroll

Gusto is a privately held US provider of cloud payroll, benefits and HR software for small businesses. Its payroll runs on a tiered subscription that includes federal, state and local payroll tax filing, new-hire reporting and employee self-service, with health benefits and 401(k) plans available through the platform. Gusto's own pricing and about pages refused automated access during research for this list, so its company figures are omitted here.

According to an iTechGuides breakdown updated 12 November 2026, Gusto's three payroll plans cost US$49 per month plus US$6 per person (Simple), US$80 plus US$12 per person (Plus) and US$180 plus US$22 per person (Premium). The same source reports that the Simple base price rose from US$40 to US$49 in 2026 and that, according to Gusto's help centre, the contractor-only plan closed on 1 October 2026, which affects sole traders who pay only 1099 workers. Gusto is widely integrated with accounting software and is a common default for US startups. Its per-person fee on the Plus and Premium tiers is higher than most small-business competitors, and it is a US-only payroll product.

Key features

  • Full-service federal, state and local tax filing
  • Employee self-service and onboarding
  • Benefits and 401(k) through the platform
  • Time tracking add-on
  • Accounting software integrations

Pricing

As reported by iTechGuides (November 2026): Simple US$49/month + US$6/person; Plus US$80/month + US$12/person; Premium US$180/month + US$22/person. Contractor-only plan reported closed from 1 October 2026. Verify on gusto.com.

Pricing
From US$49/month + US$6/person (third-party report)
Market
United States

Strengths

  • Published, simple tier structure
  • Full-service tax filing on every tier
  • Popular default for US startups
  • Benefits available through the same account

Limitations

  • Higher per-person fees on upper tiers
  • Contractor-only plan reported closed
  • US payroll only
  • Base price rose in 2026
6

Rippling

Best for: Growing companies that want payroll tied to HR, IT and device management

Rippling is a privately held workforce platform co-founded by its CEO Parker Conrad, with offices in San Francisco, New York, London, Bangalore, Sydney and other cities. It sells modules on one employee record: HR (benefits, recruiting, performance, learning), IT (identity, access and device management), spend (corporate cards, expenses, procurement, bill pay, travel) and payroll for employees and contractors worldwide, including global payroll, employer of record and contractor of record. Its payroll product calculates taxes and files them with federal, state and local agencies, and pays employees and contractors from the same system.

Rippling's argument is that payroll errors and admin work are reduced when the employee record drives every downstream system, so a hire or termination can update payroll, benefits, device assignment and system access together. The company lists more than 600 app integrations. Pricing starts at US$8 per employee per month plus a monthly base fee that is not published; payroll, global payroll and EOR prices require a quote. Eligible US venture-backed startups can receive six months of free access. The modular model can make the total cost harder to predict, and buyers who need only payroll may pay for a platform base they do not use.

Key features

  • US payroll with tax filing
  • Global payroll and EOR
  • Employee and contractor payments
  • Identity, access and device management
  • 600+ integrations

Pricing

From US$8/employee/month plus an unpublished monthly base fee; payroll, global payroll and EOR quoted. Six months free for eligible US VC-backed startups.

Founder/CEO
Parker Conrad (co-founder)
Pricing
From US$8/employee/month + base fee
Ownership
Private

Strengths

  • One employee record across HR, IT and payroll
  • Domestic and global payroll in one vendor
  • Startup discount
  • Broad integration catalogue

Limitations

  • Base fee and payroll price unpublished
  • Modular pricing complicates budgeting
  • More platform than a payroll-only buyer needs
  • Company scale figures not published on its site
7

QuickBooks Workforce Payroll

Best for: US small businesses already keeping their books in QuickBooks Online

QuickBooks payroll is Intuit's payroll service for US small businesses, sold in November 2026 as QuickBooks Workforce Payroll bundled with QuickBooks Online accounting plans. Bundling payroll and the general ledger means payroll journals post directly into the books, removing the manual entries needed when payroll and accounting run on separate systems.

Three bundles were published: Workforce Payroll + Simple Start at US$44 per month plus US$6.50 per employee; Workforce Payroll + Essentials at US$62.50 plus US$6.50 per employee; and Workforce Premium + Plus at US$101.50 plus US$10 per employee, with 50% off for three months for new customers. The entry tier offers next-day direct deposit, while Essentials and Premium allow same-day deposit when payroll is run by 7:00 am. Premium adds an expert review of payroll setup, time tracking, hiring and onboarding, time-off management, automated I-9 and a handbook creator. An Elite tier with setup by QuickBooks is mentioned but its pricing was not shown. HR tools are limited on the lower tiers, and the page shows two different price columns without explaining the relationship, so buyers should confirm the billed amount.

Key features

  • Payroll bundled with QuickBooks Online
  • Same-day direct deposit (Essentials and up)
  • Expert setup review (Premium)
  • Time tracking and project profitability (Premium)
  • Automated I-9 and onboarding (Premium)

Pricing

Simple Start bundle US$44/month + US$6.50/employee; Essentials bundle US$62.50/month + US$6.50/employee; Premium + Plus US$101.50/month + US$10/employee. 50% off for three months for new customers (terms apply).

Owner
Intuit
Pricing
US$44–101.50/month + US$6.50–10/employee
Market
United States

Strengths

  • Native link to QuickBooks accounting
  • Published bundle prices
  • Same-day deposit on mid and upper tiers
  • Premium adds HR basics

Limitations

  • Next-day deposit only on entry tier
  • HR tools only on Premium
  • Two price columns on the pricing page are unexplained
  • Tied to the QuickBooks ecosystem
8

Deel

Best for: Companies paying employees and contractors across many countries

Deel, founded in 2019, is a privately held global HR and payroll company. It reports more than 40,000 customers and more than US$20 billion of global payroll processed, and says it can hire and pay in 150 countries (some of its pages say 130+). Deel combines several services that multinational employers otherwise buy separately: global payroll through the client's own entities, contractor payments, employer-of-record employment, a US PEO and US payroll.

Its global payroll product shows payroll status, variances and workforce cost across countries on one dashboard, applies local compliance rules before each run, and lets each country be run self-serve or managed by Deel; payouts can be made in multiple currencies and optionally in cryptocurrency. Deel lists SOC 2 Type II and ISO 27001 certification and integrations with Workday, SAP, Oracle and NetSuite. Published prices start at US$49 per contractor per month, US$125 per US PEO employee and US$599 per EOR employee per month; global payroll and US payroll prices are not published. The headline country count differs between pages, and costs rise quickly for companies employing many people through EOR.

Key features

  • Global payroll via client entities
  • Contractor management and payments
  • Employer of record service
  • US PEO and US payroll
  • Multi-currency and crypto payouts
  • SOC 2 Type II and ISO 27001

Pricing

Contractors from US$49/contractor/month; Contractor of Record US$325; US PEO from US$125/employee/month; EOR from US$599/employee/month. Global payroll and US payroll: quote.

Founded
2019
Customers
40,000+ (company figure)
Countries
150 (company figure)
Ownership
Private

Strengths

  • Payroll, contractors and EOR in one platform
  • Wide country coverage
  • Self-serve or managed per country
  • Published contractor and EOR prices

Limitations

  • Global payroll price unpublished
  • Country count inconsistent across pages
  • EOR cost high for large teams
  • Breadth can exceed needs of single-country employers
9

Remote

Best for: Multinational employers with entities in several countries

Remote is a privately held global employment company offering global payroll, employer of record, contractor management and a US PEO. It reports that more than 30,000 companies use it and names GitLab, Miro, Heineken and Vercel among them. Its global payroll product covers more than 100 countries and jurisdictions for employers that own a local entity, and is offered self-serve or fully managed.

Remote calculates gross-to-net pay in local currency, handles statutory deductions and remittances in-country, runs off-cycle payments on one calendar, and supplies audit logs and general-ledger exports. It integrates with Workday, BambooHR, Personio, HiBob, NetSuite and Xero, holds SOC 2 Type II and ISO 27001 certification, and is a regulated payments institution in Canada, the UK and the EEA. Pricing is published as starting figures: global payroll from US$19 per employee per month with no base platform fee, EOR from US$599 per employee per month on annual contracts, contractor management from US$29 per contractor, and the US PEO from US$99 per employee. Final prices require a demo, and the US$19 figure applies only to countries where the client already has an entity.

Key features

  • Global payroll in 100+ countries
  • Gross-to-net in local currency
  • EOR and contractor management
  • GL exports and HRIS integrations
  • SOC 2 Type II, ISO 27001

Pricing

Global Payroll from US$19/employee/month; EOR from US$599/employee/month (annual); Contractor Management from US$29/contractor/month; Contractor Management Plus from US$99; US PEO from US$99/employee/month. No setup or platform fees.

Customers
30,000+ (company figure)
Global payroll coverage
100+ countries and jurisdictions
Pricing
From US$19/employee/month
Ownership
Private

Strengths

  • Low published entry price for global payroll
  • No platform or onboarding fees
  • Regulated payment institution status
  • Wide HRIS integration list

Limitations

  • Prices are 'from' figures only
  • EOR priced on annual contracts
  • Global payroll price requires own entity
  • Not a domestic small-business payroll tool
10

Xero

Best for: UK small businesses keeping their books in Xero

Xero is a cloud accounting platform, operated in the UK by Xero Limited, that includes payroll inside its accounting plans. In the United Kingdom, payroll is built into its accounting plans and priced per person paid: the Grow plan (£39 per month) includes payroll for one person, Comprehensive (£55) for five people and Ultimate (£70) for ten, with additional people costing £1.50 each (£1 on Ultimate); on the Ignite plan (£18) payroll is optional at £1.50 per person. New UK customers were offered 90% off for the first six months with a promotional code.

Because payroll sits inside the accounting software, wage journals post automatically and payroll costs appear in management reports without exports. The UK product files Real Time Information reports with HMRC after each pay run, calculates automatic-enrolment pension contributions and sends them to Nest or The People's Pension, and gives employees payslips and P60s in the Xero Me app. Xero payroll suits firms with simple payrolls and few employees; businesses with complex pay rules, multiple pay frequencies or more than a few dozen staff typically move to a dedicated payroll product. This entry describes the UK product; payroll availability and pricing differ in other Xero markets.

Key features

  • Payroll inside accounting plans
  • Automatic RTI filing to HMRC
  • Auto-enrolment pension calculations
  • Per-person payroll pricing
  • Automatic payroll journals
  • Included payroll seats on higher plans

Pricing

Ignite £18/month (payroll £1.50/person); Grow £39 (1 person included); Comprehensive £55 (5 included); Ultimate £70 (10 included, £1 per extra). Prices exclude VAT; 90% off for six months for eligible new UK customers.

Pricing (UK)
£18–70/month + £1–1.50 per extra person
Market
UK (payroll built-in)

Strengths

  • Very low marginal cost per employee
  • No separate payroll vendor
  • Payroll seats included on higher plans
  • Published prices

Limitations

  • Suits simple payrolls only
  • Payroll built-in only in some countries
  • Limited HR features
  • Promotional pricing requires a code
11

Zoho Payroll

Best for: Small US businesses already using Zoho Books or Zoho People

Zoho Payroll is the payroll application of Zoho, the software group that also sells Zoho Books and Zoho People. In the United States it is sold in two plans. Standard costs US$39 per organisation per month billed monthly (US$29 billed annually) plus US$6 per employee (US$5 annually) and covers single-state payroll in all 50 states; Professional costs US$59 (US$49 annually) plus US$8.50 per employee (US$7 annually) and adds multi-state payroll.

A 14-day free trial with full access requires no credit card. Zoho Payroll's main advantage is integration with the wider Zoho suite: payroll data flows into Zoho Books for accounting and draws employee records from Zoho People for HR, which suits companies already standardised on Zoho. As a newer entrant to US payroll than the processors above, it has a shorter operating record in multi-jurisdiction tax filing, and its local-tax coverage and support model should be checked for each state. Multi-state employers must buy the Professional plan.

Key features

  • Single-state payroll in all 50 states
  • Multi-state payroll (Professional)
  • Integration with Zoho Books and Zoho People
  • 14-day free trial without card

Pricing

Standard: US$39/org/month + US$6/employee (annual: US$29 + US$5). Professional: US$59 + US$8.50/employee (annual: US$49 + US$7). Prices exclude local taxes.

Owner
Zoho Corporation
Pricing
From US$29/org/month + US$5/employee (annual)
Free trial
14 days

Strengths

  • Among the lowest published prices
  • Annual-billing discount
  • Tight Zoho suite integration
  • Free trial without a card

Limitations

  • Multi-state requires Professional
  • Shorter US payroll track record
  • Most useful inside the Zoho ecosystem
  • Advanced HR features sit in separate Zoho apps
12

Square Payroll

Best for: Restaurants and shops already using Square point of sale

Square Payroll is the payroll service of Square, the payments and point-of-sale business. It is aimed at hourly workforces in restaurants, retail and services where staff clock in on Square's point-of-sale or team-management tools, so hours flow into payroll without re-entry. Full-service payroll costs US$35 per month plus US$6 per person paid, and includes multistate payroll and support for multiple tax jurisdictions. A contractor-only option costs US$6 per contractor per month with no base fee, and contractors are paid from the Payroll section of the Square Dashboard.

For businesses already using Square for card payments, the service removes a separate vendor relationship and lets tips recorded at the point of sale feed into pay. The contractor-only plan is one of the cheapest ways to pay a small number of 1099 workers. Square Payroll is a US product focused on small employers and offers fewer HR, benefits and reporting tools than dedicated payroll and HCM vendors; the pricing page does not list the states it supports.

Key features

  • Timecards from Square POS feed payroll
  • Multistate payroll included
  • Contractor-only payments
  • Payroll run from Square Dashboard

Pricing

Full-service payroll: US$35/month + US$6 per person paid. Contractor-only: US$6 per contractor paid per month.

Pricing
US$35/month + US$6/person
Market
United States

Strengths

  • Low published price
  • Native link to Square timecards and tips
  • Cheap contractor-only plan
  • Multistate included

Limitations

  • Limited HR and benefits tools
  • Best value only for Square sellers
  • States served not listed on pricing page
  • US only
13

Wave Payroll

Best for: US and Canadian micro-businesses using Wave accounting

Wave Payroll is the payroll product of Wave Financial, a Canadian small-business software company backed by H&R Block that says it has helped more than 5.9 million small business owners in the US and Canada since 2010. Wave is best known for its free accounting software, and payroll is one of its paid add-ons.

For customers signing up after 2 April 2025, US payroll costs a US$40 base fee plus US$6 per active employee and US$6 per contractor paid; in Canada it costs C$25 plus C$6 per employee or contractor, in every province and territory except Quebec. Wave now offers its tax-filing service in all 50 US states at the same price, having previously offered it only in some states; existing customers in states that newly gained the service saw a price increase. After the first payroll is processed, customers can use the service for up to 30 days without commitment. Payroll entries post into Wave's accounting ledger. The product is aimed at very small employers and has limited HR, benefits and time-tracking features compared with larger providers.

Key features

  • Tax filing in all 50 US states
  • Canada payroll (except Quebec)
  • Posts to Wave accounting automatically
  • Contractor payments
  • 30-day commitment-free use

Pricing

US: US$40/month + US$6 per active employee + US$6 per contractor paid. Canada: C$25/month + C$6 per employee or contractor. Applies to sign-ups after 2 April 2025.

Founded
2010 (operating since)
Ownership
Backed by H&R Block
Customers
5.9 million+ small business owners (all Wave products)
Pricing
US$40/month + US$6/person

Strengths

  • Integrated with free Wave accounting
  • Tax service now in all 50 states
  • Covers US and Canada
  • Published pricing

Limitations

  • Base fee rose for some existing customers
  • Quebec not supported
  • Minimal HR features
  • Contractors billed at the employee rate

Comparison table

ProductTarget sizePricing modelEntry priceInternationalTax filingOwnership
ADPAll sizesQuoteQuote140+ countries/territoriesFull servicePublic (Nasdaq)
PaychexSMB to mid-marketQuote; SurePayroll publishedSurePayroll US$20/month + US$4LimitedFull service or self-filePublic (Nasdaq)
Paycom50 to 10,000+QuoteQuoteGlobal HCM, 190+ countriesFull servicePublic (NYSE)
Paylocity10 to 5,000QuoteQuoteUS onlyFull servicePublic (Nasdaq)
GustoSMBBase + per personUS$49 + US$6 (third-party report)US onlyFull servicePrivate
RipplingSMB to enterprisePer employee + base feeFrom US$8/employeeGlobal payroll, EORFull servicePrivate
QuickBooksSMBBundle + per employeeUS$44 + US$6.50US onlyFull serviceIntuit
DeelMultinationalPer workerContractors US$49150 countries (stated)Local compliancePrivate
RemoteMultinationalPer employeeUS$19/employee100+ countriesIn-country remittancePrivate
XeroMicro to smallPlan + per person£18 + £1.50UK (built-in)RTI to HMRCXero
Zoho PayrollSmallOrg fee + per employeeUS$29 + US$5 (annual)US (this plan)Full serviceZoho
Square PayrollSmallBase + per personUS$35 + US$6US onlyFull serviceSquare
Wave PayrollMicroBase + per personUS$40 + US$6US and CanadaAll 50 statesH&R Block-backed

Alternatives by use case

  • Payroll inside accounting software: QuickBooks, Xero, Zoho Payroll and Wave post wage journals automatically and suit owner-managed firms.
  • Hourly and shift workforces: Square Payroll draws hours from point-of-sale timecards; employee scheduling software with payroll export is another route.
  • Co-employment instead of software: PEO companies such as ADP TotalSource or the Paychex HR outsourcing business take on payroll tax liability and benefits sponsorship.
  • Staff abroad without a local entity: EOR companies such as Deel and Remote employ the worker on the client's behalf.
  • Mid-market HCM: Paycom and Paylocity combine payroll with time, benefits and talent management.

Recent developments

  • April 2025: Paychex completed its acquisition of Paycor on 14 April 2025; Paychex's fiscal 2026 revenue rose 17% to US$6.51 billion.
  • April 2025: Wave introduced uniform US payroll pricing for sign-ups after 2 April 2025 and extended its tax service to all 50 states.
  • 2025–2026: Paycom reported 2025 revenue of US$2.05 billion and continued to focus sales on employers with more than 1,000 employees.
  • June 2026: ADP closed fiscal 2026 with US$21.95 billion in revenue and more than 42 million workers paid; Paylocity closed fiscal 2026 with US$1.77 billion.
  • 2026: Gusto's Simple plan base price was reported to have risen from US$40 to US$49, and its contractor-only plan was reported closed from 1 October 2026.

Frequently asked questions

What is the difference between payroll software and a payroll service?

Payroll software calculates pay and produces reports, while a payroll service also deposits tax payments and files returns on the employer's behalf. Most cloud products sold to small businesses are full-service, but some tiers, such as SurePayroll's No Tax Filing plan, leave tax deposits to the employer in exchange for a lower price.

How much does payroll software cost?

Small-business products typically charge a monthly base fee plus a per-person fee. Published examples in November 2026 include Square at US$35 plus US$6 per person, Wave at US$40 plus US$6, and Zoho Payroll from US$29 plus US$5 on annual billing. Mid-market suites such as ADP, Paycom and Paylocity price by quote.

Which is the largest payroll company?

ADP is the largest payroll provider by revenue among those reviewed, with fiscal 2026 revenue of US$21.95 billion, more than 1.1 million clients and more than 42 million workers paid worldwide. Paychex is second in the US, with fiscal 2026 revenue of US$6.51 billion and about 800,000 payroll clients.

Can payroll software pay employees in other countries?

Domestic payroll products generally cannot. Global payroll services such as Remote (100+ countries) and Deel pay staff through the employer's own foreign entities, and both also offer employer-of-record service for countries where the employer has no entity, priced from US$599 per employee per month.

Is payroll included in accounting software?

Sometimes. Xero includes payroll in UK plans, with one to ten people included depending on the plan and £1 to £1.50 per additional person. QuickBooks sells payroll as a bundle with QuickBooks Online, and Wave and Zoho sell payroll as add-ons to their accounting products.

What is the cheapest way to pay contractors only?

Square offers a contractor-only option at US$6 per contractor paid per month with no base fee. Deel's contractor product starts at US$49 per contractor per month and Remote's at US$29, but those include international payment and compliance features that domestic-only users may not need.

What should a business check before switching payroll provider?

Key checks are tax jurisdiction coverage, whether quarter-to-date and year-to-date figures can be imported, direct-deposit timing, integration with time tracking and accounting, and the support model. Switching at the start of a calendar quarter or year reduces the amount of historical data that must be migrated.

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