Softwr

Accounting · head to head

ADP vs Cash App

ADP logo

ADP

Accounting

Always Designing for People

From
$29/month
Rated
-
Full reviewWebsite
Cash App logo

Cash App

Personal Finance

Money sent in seconds

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Cash App has a free tier, so it costs nothing to try first.
  • Each has a real cost: ADP no pricing is published; every quote is custom and driven by employee count and which services are taken; Cash App the App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.
  • They diverge on capability: ADP covers Payroll, Cash App covers Money transfers.

Where they differ

Only the attributes on which ADP and Cash App actually diverge.

Attributes where ADP and Cash App differ
AttributeADPCash App
Starting price$29/monthFree
Pricing modelsubscriptionfree
Free tierNoYes
PlatformsWeb, Ios, AndroidIOS, Android
CategoryAccountingPersonal Finance
Founded19492013

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ADP

  • Payroll
  • Tax services
  • HR management
  • Time & attendance
  • Benefits administration
  • QuickBooks
  • Sage
  • Oracle

Only in Cash App

  • Money transfers
  • Direct deposit
  • Bitcoin trading
  • Stock investing
  • Bank accounts
  • Cash Card
  • IOS support

Both cover

  • Android support

What people use each for

The jobs each tool is most often brought in to do.

ADP

  • Payroll processing and tax filingnot Cash App
  • HR administration and employee recordsnot Cash App
  • Time and attendance trackingnot Cash App
  • Benefits administrationnot Cash App
  • Talent management on the mid-market and enterprise productsnot Cash App

Cash App

  • Budget Managementnot ADP
  • Expense Trackingnot ADP
  • Investment Trackingnot ADP

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ADP

  • No pricing is published; every quote is custom and driven by employee count and which services are taken
  • Split into three separate products by company size, RUN for 1 to 49 employees, Workforce Now for 50 and above, and Lyric HCM for enterprise, so growing across a threshold means changing product rather than plan

Cash App

  • The App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.

Pricing, plan by plan

ADP

$29/month
  • Essential$79/month
    • Payroll
    • Tax filing
    • Direct deposit
  • Enhanced$139/month
    • HR tools
    • Background checks
    • Job posting

Cash App

Free
  • FreeFree
    • Money transfers
    • Direct deposit
    • Mobile app
  • Cash App Investing$undefined/month
    • Stock trading
    • Bitcoin trading

Which should you pick?

Choose ADP if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want tax services.
ADP review

Choose Cash App if

  • You need money transfers.
  • You want to start without paying.
  • You work on IOS, Android.
  • You also want direct deposit.
Cash App review

Questions people ask

Is ADP or Cash App better?
Neither clearly leads. ADP starts at $29/month and Cash App at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ADP or Cash App?
Cash App has a free tier; the other does not. Paid plans start at $29/month for ADP and Free for Cash App.
Does ADP or Cash App run on more platforms?
ADP runs on Web, Ios, Android. Cash App runs on IOS, Android.
Can I use Cash App for free?
Yes. Cash App has a free tier, so you can try it without paying. ADP starts at $29/month.
What is ADP best used for?
ADP is most often used for payroll processing and tax filing, hr administration and employee records, time and attendance tracking, benefits administration. Of those, payroll processing and tax filing and hr administration and employee records are not what Cash App is typically brought in for.
What can ADP do that Cash App cannot?
ADP covers Payroll, Tax services, HR management, Time & attendance. Cash App covers Money transfers, Direct deposit, Bitcoin trading, Stock investing. Both handle Android support.

Answered from the vendors’ own pages

ADP: How is ADP pricing organized?

ADP organizes pricing by business size: Small Business (1-49 employees), Midsized (50-999 employees), and Enterprise (1,000+ employees). Each segment receives customized pricing tailored to specific business needs.

Source
ADP: Is there a current promotional offer for ADP payroll?

ADP currently offers 3 months free when signing up for small business payroll (promotion ends 9/24). Contact sales at 800-225-5237 for details and to request pricing based on your employee count.

Source
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