Payroll · head to head
Justworks vs Volopay
Justworks
Payroll
Professional employer organisation with published per-employee pricing and a separate payroll-only tier
- From
- $8/month
- Rated
- -
Volopay
Payroll
Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Justworks the published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
- They diverge on capability: Justworks covers Co-employment PEO, Volopay covers Multi-currency business accounts.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Justworks and Volopay actually diverge.
Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).
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 Justworks
- Co-employment PEO
- Large-group benefits
- Payroll and filings
- Workers' compensation
- Compliance support
- Standalone payroll
- International contractors
- HR consulting
Only in Volopay
- Multi-currency business accounts
- Virtual and physical corporate cards
- Accounts payable automation
- Expense management
- Accounting integrations
- Approval workflows
What people use each for
The jobs each tool is most often brought in to do.
Justworks
- A twenty-person US startup that wants health insurance comparable to a large employer without an insurance broker relationshipnot Volopay
- A company hiring across several US states that does not want to register as an employer and file taxes in each of themnot Volopay
- A founder replacing a bookkeeper-run payroll with something that will not produce a state tax penalty noticenot Volopay
- A team that wants payroll and benefits administration only, without co-employment, at the $8 per employee tiernot Volopay
Volopay
- A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Justworks
- A finance team wanting free domestic transfers with accounts payable automation includednot Justworks
- A regional business consolidating separate local business bank accounts into one multi-currency platformnot Justworks
- A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot Justworks
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Justworks
- The published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.
- Leaving a PEO is a project, not a cancellation: you must source your own health plan, obtain your own state employer registrations and unemployment accounts, and time the switch to a plan year, which typically takes months.
- Coverage is United States only, so the moment you hire your first employee in another country you are running a second system and Justworks handles them only as a contractor.
- PEO Basic looks like a cheaper way in but excludes the Justworks health plans, which is the main reason companies choose a PEO at all, so most buyers end up on Plus.
- Benefit plan choice is constrained to what Justworks has negotiated, and a company with strong preferences about carriers or network coverage in a specific region may find the options do not fit.
Volopay
- Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
- Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
- Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
- Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
- As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.
Pricing, plan by plan
Justworks
$8/month- Payroll$8/month
- Plus a $50 monthly base fee
- Payroll, tax filing and benefits administration
- No co-employment, so no access to Justworks health plans at PEO rates
- PEO Basic$79/month
- Full co-employment PEO
- Payroll, tax filing and compliance
- Does not include access to Justworks-sponsored health plans
- PEO Plus$109/month
- Everything in Basic
- Access to Justworks health, dental and vision plans
- Premiums are billed separately and are the larger cost
- Dedicated HR consulting$30/month
- Add-on to PEO plans
- Named HR adviser support
Volopay
On request- Volopay$undefined/month
- Free domestic SGD transfers and Accounts Payable Automation
- Approximately 1.6% fee on cross-border non-SGD payments
- Approximately 3.1% fee on cross-currency spend within Singapore
Which should you pick?
Choose Justworks if
- You need co-employment peo.
- You work on Web, iOS, Android.
- You also want large-group benefits.
Choose Volopay if
- You need multi-currency business accounts.
- You work on Web, iOS, Android.
- You also want virtual and physical corporate cards.
Questions people ask
- Is Justworks or Volopay better?
- Neither clearly leads. Justworks starts at $8/month and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Justworks or Volopay?
- Justworks starts at $8/month and Volopay at On request.
- Does Justworks or Volopay run on more platforms?
- Both run on Web, iOS, Android, so platform support will not decide this one for you.
- What is Justworks best used for?
- Justworks is most often used for a twenty-person us startup that wants health insurance comparable to a large employer without an insurance broker relationship, a company hiring across several us states that does not want to register as an employer and file taxes in each of them, a founder replacing a bookkeeper-run payroll with something that will not produce a state tax penalty notice, a team that wants payroll and benefits administration only, without co-employment, at the $8 per employee tier. Of those, a twenty-person us startup that wants health insurance comparable to a large employer without an insurance broker relationship and a company hiring across several us states that does not want to register as an employer and file taxes in each of them are not what Volopay is typically brought in for.
- What can Justworks do that Volopay cannot?
- Justworks covers Co-employment PEO, Large-group benefits, Payroll and filings, Workers' compensation. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management.
Answered from the vendors’ own pages
Justworks: What does co-employment actually mean?
Justworks becomes the employer of record for payroll tax and benefits purposes while you retain full control over hiring, management and day-to-day work. It is a legal arrangement, not an outsourcing of your team.
Volopay: What currency is Volopay built around?
Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.
Justworks: Is the $79 figure my total monthly cost per employee?
No. It is the platform fee. Health insurance premiums, dental, vision and workers' compensation are additional and typically dwarf it.
Volopay: Are transfers free?
Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.
Justworks: Can Justworks employ people outside the US?
No. It can pay international contractors, but it is not an employer of record abroad.
Volopay: Is pricing published?
No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.
Justworks: What is the difference between the Payroll plan and the PEO?
The Payroll plan handles payroll and benefits administration under your own EIN at $8 per employee per month plus a base fee. The PEO adds co-employment and pooled large-group insurance at $79 or $109.
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