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Software · head to head

Adyen vs Gusto

Adyen logo

Adyen

Software

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
Gusto logo

Gusto

Software

The people platform for small businesses

From
$49/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; Gusto customer service can be slow and unresponsive to issues
  • They diverge on capability: Adyen covers Payment processing, Gusto covers Automated payroll.

Where they differ

Only the attributes on which Adyen and Gusto actually diverge.

Attributes where Adyen and Gusto differ
AttributeAdyenGusto
Starting price$29/month$49/month
Pricing modelusage-basedUnknown
PlatformsWeb, Api, PosWeb
Founded20062011

Identical on both: free tier (No), user rating (Not yet rated), category (Unknown).

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 Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • Oracle

Only in Gusto

  • Automated payroll
  • Tax filing
  • Benefits administration
  • Time tracking
  • Employee onboarding
  • HR compliance
  • Workers' comp
  • 401(k) management

What people use each for

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

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot Gusto
  • Accepting local payment methods across multiple countriesnot Gusto
  • Settling in several currencies through linked bank accountsnot Gusto
  • Unified online and in-person paymentsnot Gusto

Gusto

  • Payroll processingnot Adyen
  • Benefits administrationnot Adyen
  • Tax compliancenot Adyen
  • Employee onboardingnot Adyen
  • Time trackingnot Adyen

Where each one falls short

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

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Gusto

  • Customer service can be slow and unresponsive to issues
  • Weak reporting capabilities, cannot export data to spreadsheets for analysis
  • Support staff lacks deep payroll expertise and knowledge
  • Rehired employees do not have settings reset, causing manual cleanup work
  • City tax handling requires additional monitoring and monitoring
  • Onboarding can have issues with bank account verification and tax registration

Pricing, plan by plan

Adyen

$29/month
  • CustomFree
    • Payment processing
    • Risk management
    • Unified commerce

Gusto

$49/month

No published plan breakdown. See the Gusto review.

Which should you pick?

Choose Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen review

Choose Gusto if

  • You need automated payroll.
  • You also want tax filing.
Gusto review

Questions people ask

Is Adyen or Gusto better?
Neither clearly leads. Adyen starts at $29/month and Gusto at $49/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Gusto?
Adyen starts at $29/month and Gusto at $49/month.
Does Adyen or Gusto run on more platforms?
Adyen runs on Web, Api, Pos. Gusto runs on Web.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Gusto is typically brought in for.
What can Adyen do that Gusto cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Gusto covers Automated payroll, Tax filing, Benefits administration, Time tracking.

Answered from the vendors’ own pages

Gusto: What is Gusto's starting price?

Gusto starts at $49 per month plus $6 per person. The company also offers a Contractor-only plan for $35 per month plus $6 per contractor.

Source
Gusto: Does Gusto include unlimited payroll runs?

Yes, all Gusto plans include unlimited payroll runs at no extra charge, including off-cycle payrolls.

Source
Gusto: What core features are included in Gusto?

All plans include payroll processing, tax administration, digital onboarding, benefits enrollment, time tracking, performance management, and next-day direct deposit for most plans.

Source
Gusto: Does Gusto support integrations?

Yes, Gusto integrates with accounting software, applicant tracking systems, benefits providers, time-tracking tools, and other business platforms to reduce data entry.

Source
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