US BUYER’S GUIDE · 8 PRODUCTS

Payroll software

Can this provider handle our real payroll exceptions and support the people responsible for payday?

US pay runs, filing services, time integration, and benefit deductions.

Research desk · Oct 20, 2026 · Methodology

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Highest documented score first. Fit adds up the 28 feature checks below, including AI, across documented plans. Entry price does not include every capability. Unknown evidence appears as a range.

Product / good fit for	Pricing context	Documented fit	Next step
Gusto Small US employers that want payroll and benefits in one operational workflow.	$49.00monthly base + $6/personSimple	73–100/100 documented fit 73% evidence coverage	Full research →
Justworks Small employers comparing payroll-only service with a supported PEO arrangement.	$50.00monthly base + $8/employeePayroll	46–100/100 documented fit 46% evidence coverage	Full research →
OnPay Small employers wanting straightforward multistate payroll pricing.	$49.00monthly base + $6/workerPayroll Essentials	46–100/100 documented fit 46% evidence coverage	Full research →
Deel US companies coordinating domestic employees and an international workforce.	Custom quoteconfigured US payroll/HR packageUS payroll	44–100/100 documented fit 44% evidence coverage	Full research →
Paychex Flex US employers that want payroll technology with configurable service support.	Custom quoteconfigured packagePaychex Flex	41–100/100 documented fit 41% evidence coverage	Full research →
Rippling Companies that need workflows and reporting across several employee-related systems.	Custom quoteper employee/month plus base and modulesConfigured platform	40–100/100 documented fit 40% evidence coverage	Full research →
BambooHR Growing employers building a coherent employee database and lifecycle process.	Custom quoteper employee/month or small-company flat feeCore / Pro / Elite	34–100/100 documented fit 34% evidence coverage	Full research →
ADP Workforce Now US employers coordinating payroll and people operations across teams and locations.	Custom quoteconfigured subscriptionWorkforce Now	21–100/100 documented fit 21% evidence coverage	Full research →

BEYOND A FEATURE CHECKMARK

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28 weighted checks: core capabilities contribute 32 points and workflow depth contributes 68. AI is included at the weight shown for this category. Expand Evidence for scope and sources, or ask for the same demonstration from each supplier.

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Payroll software features for all 8 products
Feature / base weight	Gusto 73–100/100 documented fit Core capabilities29.6–32 / 32 pts9/10 checks with established status Workflow depth43.5–68 / 68 pts10/18 checks with established status	Justworks 46–100/100 documented fit Core capabilities24–32 / 32 pts7/10 checks with established status Workflow depth22.4–68 / 68 pts4/18 checks with established status	OnPay 46–100/100 documented fit Core capabilities24–32 / 32 pts7/10 checks with established status Workflow depth21.6–68 / 68 pts4/18 checks with established status	Deel 44–100/100 documented fit Core capabilities12.8–32 / 32 pts4/10 checks with established status Workflow depth31.2–68 / 68 pts6/18 checks with established status	Paychex Flex 41–100/100 documented fit Core capabilities22.4–32 / 32 pts7/10 checks with established status Workflow depth18.4–68 / 68 pts3/18 checks with established status	Rippling 40–100/100 documented fit Core capabilities11.2–32 / 32 pts4/10 checks with established status Workflow depth28.8–68 / 68 pts6/18 checks with established status	BambooHR 34–100/100 documented fit Core capabilities14.4–32 / 32 pts5/10 checks with established status Workflow depth19.2–68 / 68 pts4/18 checks with established status	ADP Workforce Now 21–100/100 documented fit Core capabilities14.4–32 / 32 pts5/10 checks with established status Workflow depth6.4–68 / 68 pts2/18 checks with established status
Core capabilityRegular payroll runs4 points · Calculate and process an ordinary US employee payroll.	Supported4 / 4 pts Evidence Unlimited regular pay runs are documented. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence US employee payroll processing is documented. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Unlimited payroll runs are documented. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence A dedicated US payroll service is documented. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Payroll processing is offered across named packages. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Payroll processing is a selected module. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Payroll processing requires the separate payroll product. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Guided payroll processing is documented. Official documentation · Oct 15, 2026Source
Core capabilityOff-cycle payroll4 points · Process a bonus or other payroll outside the normal pay calendar.	Supported4 / 4 pts Evidence Unlimited off-cycle payroll is documented. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Off-cycle payroll runs are included. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Unlimited runs support payroll outside a fixed run allowance. Official documentation · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish off-cycle payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish off-cycle payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish off-cycle payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish off-cycle payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish off-cycle payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkPrior-run correction workflow5.6 points · Correct, void or replace an already submitted payroll using a documented workflow. Ask for a demonstration Correct a fictional prior-period pay error and show which records and payments change. A scenario to run with the supplier; not a completed product test.	Supported5.6 / 5.6 pts Evidence Submitted payroll can be canceled before debit; processed payroll has reversal/correction routes with timing restrictions. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence A documented off-cycle payment can correct previously omitted wages; payment timing restrictions apply. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence The submitted-run workflow includes a void action; timing and payment status determine next steps. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence Approved U.S. payroll can be unapproved for correction before funding; cut-off timing still applies. Official documentation · Oct 15, 2026Source	Not verified0–5.6 / 5.6 pts Evidence The reviewed evidence does not establish this advanced behavior: prior-run correction workflow. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence Approved corrections can be returned to draft or archived while retaining audit history. Official documentation · Oct 15, 2026Source	Not verified0–5.6 / 5.6 pts Evidence The reviewed evidence does not establish this advanced behavior: prior-run correction workflow. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–5.6 / 5.6 pts Evidence The reviewed evidence does not establish this advanced behavior: prior-run correction workflow. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkPre-submit payroll review6.4 points · Inspect pay-run totals or a preview of employee calculations before submission. Ask for a demonstration Show gross-to-net totals and resolve one changed deduction before approving the run. A scenario to run with the supplier; not a completed product test.	Supported6.4 / 6.4 pts Evidence The final payroll step previews both total and individual employee calculations. Official documentation · Oct 15, 2026Source	Not verified0–6.4 / 6.4 pts Evidence The reviewed evidence does not establish this advanced behavior: pre-submit payroll review. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported6.4 / 6.4 pts Evidence Pre-submit review includes wages, deductions, warnings and total company cost. Official documentation · Oct 15, 2026Source	Supported6.4 / 6.4 pts Evidence A multi-step review covers employee changes, payroll items, backdated items and totals before submission. Official documentation · Oct 15, 2026Source	Supported6.4 / 6.4 pts Evidence AI reviews payroll data before submission and flags missing punches or unusual pay changes. Official documentation · Oct 15, 2026Source	Supported6.4 / 6.4 pts Evidence Pre-submit previews show benefit deduction and contribution changes. Official documentation · Oct 15, 2026Source	Not verified0–6.4 / 6.4 pts Evidence The reviewed evidence does not establish this advanced behavior: pre-submit payroll review. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–6.4 / 6.4 pts Evidence The reviewed evidence does not establish this advanced behavior: pre-submit payroll review. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityFederal payroll filing service4 points · Have the provider file documented federal employer payroll forms.	Supported4 / 4 pts Evidence Federal payroll filing is listed. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Employer payroll tax and year-end filings are listed. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence The payroll service includes federal tax filing and payments. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence US payroll tax filing and reporting services are documented. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence The payroll service calculates, remits and files federal payroll taxes. Official documentation · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish federal payroll filing service at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish federal payroll filing service at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish federal payroll filing service at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Core capabilityState and local filing service4 points · Have the provider handle documented state or local payroll filings.	Supported4 / 4 pts Evidence State and local payroll filing is listed. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Multistate payroll and employer tax filing services are documented. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence All-state tax filing and payment service is documented. Official documentation · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish state and local filing service at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported4 / 4 pts Evidence The payroll service handles state and local payroll-tax obligations and filings. Official documentation · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish state and local filing service at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish state and local filing service at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed documentation does not establish state and local filing service at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkFiling and tax-document visibility5.6 points · Inspect provider-produced payroll tax forms, reports or filing records. Ask for a demonstration Find a completed quarter’s tax form or filing record and show how it is downloaded. A scenario to run with the supplier; not a completed product test.	Supported5.6 / 5.6 pts Evidence Filed federal/state forms are accessible in Tax documents; some electronic vouchers remain in agency portals. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence The Document Center provides generated tax documents for viewing and download. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence Administrators can view and print employee W-2 and contractor 1099 forms by year. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence The U.S. quarter-end package consolidates filing forms, liabilities, deposits and reconciliation detail. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence Paychex Flex Tax Documents provides downloadable W-2, 1099 and other tax forms. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence Current and former workers can retrieve pay statements and tax forms from their profile. Official documentation · Oct 15, 2026Source	Supported5.6 / 5.6 pts Evidence Payroll users can access federal/state tax documents, amendments and employee year-end forms. Official documentation · Oct 15, 2026Source	Not verified0–5.6 / 5.6 pts Evidence The reviewed evidence does not establish this advanced behavior: filing and tax-document visibility. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkPayroll tax amendment support6.4 points · Document a process for amending payroll tax filings or resolving a payroll tax notice. Ask for a demonstration Show the process for a tax amendment or notice, including what the employer must supply. A scenario to run with the supplier; not a completed product test.	Supported6.4 / 6.4 pts Evidence Gusto provides an amended-forms area for filings corrected on a company’s behalf. Official documentation · Oct 15, 2026Source	Supported6.4 / 6.4 pts Evidence Tax-document corrections have a documented support process and corrected electronic copies. Official documentation · Oct 15, 2026Source	Not verified0–6.4 / 6.4 pts Evidence The reviewed evidence does not establish this advanced behavior: payroll tax amendment support. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported6.4 / 6.4 pts Evidence The U.S. tax-error guide documents correction steps and contacting the service manager to reattempt filing. Official documentation · Oct 15, 2026Source	Supported6.4 / 6.4 pts Evidence The Tax Center tracks penalty-notice resolution handled by Paychex’s specialist team. Official documentation · Oct 15, 2026Source	Not verified0–6.4 / 6.4 pts Evidence The reviewed evidence does not establish this advanced behavior: payroll tax amendment support. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported6.4 / 6.4 pts Evidence BambooHR’s payroll tax service explicitly includes notices and amendments. Official documentation · Oct 15, 2026Source	Not verified0–6.4 / 6.4 pts Evidence The reviewed evidence does not establish this advanced behavior: payroll tax amendment support. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityTime data into payroll3.2 points · Transfer captured or approved work hours into payroll.	Supported3.2 / 3.2 pts Evidence Time-to-payroll tools require Plus/Premium or the Simple time add-on. Official documentation · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Payroll time synchronization uses the time-tracking add-on. Official documentation · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Hours connect through integrations or the paid time module. Official documentation · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish time data into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Approved time connects to payroll. Official documentation · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish time data into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Time data connection requires the time product. Official documentation · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Time connects to the gross-to-net payroll process. Official documentation · Oct 15, 2026Source
Core capabilityPaid leave into payroll3.2 points · Transfer approved paid leave to the relevant pay run.	Supported3.2 / 3.2 pts Evidence Approved paid leave is synchronized into the related payroll run. Official documentation · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish paid leave into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish paid leave into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish paid leave into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish paid leave into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish paid leave into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish paid leave into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed documentation does not establish paid leave into payroll at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkReview time before payroll transfer4.8 points · Review or approve worked time before it is imported or released to payroll. Ask for a demonstration Change one unapproved timecard and show whether it can enter the payroll run. A scenario to run with the supplier; not a completed product test.	Supported4.8 / 4.8 pts Evidence Unapproved timesheets prompt payroll review; approval permission controls syncing hours. Official documentation · Oct 15, 2026Source	Supported4.8 / 4.8 pts Evidence Approved time-tracking shifts sync to Justworks; optional auto-approval can be configured. Official documentation · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: review time before payroll transfer. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: review time before payroll transfer. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: review time before payroll transfer. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: review time before payroll transfer. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: review time before payroll transfer. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: review time before payroll transfer. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkMap time to earnings or overtime4.8 points · Connect distinct time types, overtime or earning codes to payroll calculations. Ask for a demonstration Send regular and overtime hours to payroll and show the resulting earning lines. A scenario to run with the supplier; not a completed product test.	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4.8 / 4.8 pts Evidence The reviewed evidence does not establish this advanced behavior: map time to earnings or overtime. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityBenefit deductions in payroll2.4 points · Apply benefit deductions when calculating an employee pay run.	Supported2.4 / 2.4 pts Evidence Payroll applies automatic benefit deductions. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Benefit deductions depend on the benefits/payroll package. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Automatic benefit deductions are documented. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Benefit deductions depend on the selected employment/payroll service. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Payroll applies connected benefit deductions. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Benefit deductions synchronize with payroll. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Deductions require connected benefits and payroll products. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Benefit deductions depend on configured benefits/payroll modules. Official documentation · Oct 15, 2026Source
Core capabilityBenefit-election synchronization2.4 points · Update payroll deductions from benefit elections or changes.	Supported2.4 / 2.4 pts Evidence Benefit administration connects deduction information directly to payroll. Official documentation · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish benefit-election synchronization at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Benefit enrollment data connects with payroll deductions. Official documentation · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish benefit-election synchronization at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Benefits administration synchronizes deduction information. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Changes in benefit elections update payroll deductions. Official documentation · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish benefit-election synchronization at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish benefit-election synchronization at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source
Depth checkScheduled benefit-deduction changes3.2 points · Set an effective date or scheduled change for a payroll benefit deduction. Ask for a demonstration Change a deduction for the next pay period and show that this period remains correct. A scenario to run with the supplier; not a completed product test.	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: scheduled benefit-deduction changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: scheduled benefit-deduction changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: scheduled benefit-deduction changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Recurring benefit deductions have explicit start and optional end dates. Official documentation · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: scheduled benefit-deduction changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: scheduled benefit-deduction changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: scheduled benefit-deduction changes. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Deduction instructions carry effective dates and can be retrieved as of current or future dates. Official documentation · Oct 15, 2026Source
Depth checkCatch-up or correction of deductions4 points · Apply a one-off adjustment, arrears or catch-up amount to a benefit deduction. Ask for a demonstration Correct a missed deduction without permanently doubling the employee’s regular deduction. A scenario to run with the supplier; not a completed product test.	Supported4 / 4 pts Evidence Late enrollment confirmation produces catch-up deduction corrections in upcoming payrolls. Official documentation · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: catch-up or correction of deductions. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported4 / 4 pts Evidence Active voluntary deductions can be overridden for one run, after which defaults resume. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence Retroactive deduction stops can be requested through the payroll implementation manager. Official documentation · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: catch-up or correction of deductions. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported4 / 4 pts Evidence Retroactive benefit changes create payroll adjustments with reviewable previews. Official documentation · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: catch-up or correction of deductions. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: catch-up or correction of deductions. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Core capabilityAI payroll explanations2.4 points · Ask AI about payroll information, a payslip or payroll help content.	Supported2.4 / 2.4 pts Evidence Gus answers payroll questions with referenced help content. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence An external AI assistant can query live payroll information through MCP. Official documentation · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish ai payroll explanations at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Deel AI answers payslip questions. Official documentation · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish ai payroll explanations at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence AI can answer questions over connected payroll data. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence Payroll Run Comparison explains pay-run changes and flags unexplained differences; open beta. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence AI explains payroll changes and variances. Official documentation · Oct 15, 2026Source
Core capabilityAI pay-run review2.4 points · Surface or explain pay changes, discrepancies or exceptions before payroll is approved.	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish ai pay-run review at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish ai pay-run review at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish ai pay-run review at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish ai pay-run review at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence WISE prepares payroll exceptions and discrepancy prompts for review. Official documentation · Oct 15, 2026Source	Not verified0–2.4 / 2.4 pts Evidence The reviewed documentation does not establish ai pay-run review at this feature level. This is an evidence gap, not a finding that the capability is absent. Not verified · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence AI summarizes payroll changes and prepares pay-item suggestions for human review; open beta. Official documentation · Oct 15, 2026Source	Supported2.4 / 2.4 pts Evidence AI variance detection and recommendations support pre-payroll review. Official documentation · Oct 15, 2026Source
Depth checkAI explanation tied to payroll evidence3.2 points · Inspect the payroll data, entry or help source used in an AI payroll explanation. Ask for a demonstration Ask why net pay changed and open the underlying item or cited source. A scenario to run with the supplier; not a completed product test.	Supported3.2 / 3.2 pts Evidence Gus answers with linked help-center references. Official documentation · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: ai explanation tied to payroll evidence. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: ai explanation tied to payroll evidence. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: ai explanation tied to payroll evidence. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–3.2 / 3.2 pts Evidence The reviewed evidence does not establish this advanced behavior: ai explanation tied to payroll evidence. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence AI answers over connected company data provide source-linked context. Official documentation · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Payroll comparisons explain changes using pay-run context and flag uncertain differences; open beta. Official documentation · Oct 15, 2026Source	Supported3.2 / 3.2 pts Evidence Documented AI payroll variance explanations refer to changed payroll entries. Official documentation · Oct 15, 2026Source
Depth checkHuman approval of AI-prepared payroll4 points · AI-prepared payroll actions or reviews retain explicit human control of pay-run release. Ask for a demonstration Have AI prepare or review a pay run and show the human approval required to submit it. A scenario to run with the supplier; not a completed product test.	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: human approval of ai-prepared payroll. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: human approval of ai-prepared payroll. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: human approval of ai-prepared payroll. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: human approval of ai-prepared payroll. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: human approval of ai-prepared payroll. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source	Supported4 / 4 pts Evidence AI-proposed payroll-related actions require human confirmation. Official documentation · Oct 15, 2026Source	Supported4 / 4 pts Evidence A person reviews pay-item suggestions and approves the final payroll run; open beta. Official documentation · Oct 15, 2026Source	Not verified0–4 / 4 pts Evidence The reviewed evidence does not establish this advanced behavior: human approval of ai-prepared payroll. Request the demonstration above; absence of public evidence does not establish absence of the feature. Not verified · Oct 15, 2026Source
Depth checkTune thresholds for AI payroll anomaly alerts2.5 points · Demonstrate “Tune thresholds for AI payroll anomaly alerts” with a sample record; show the result, permissions and required plan. Ask for a demonstration Demonstrate “Tune thresholds for AI payroll anomaly alerts” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkBring earlier payrolls into year-to-date balances2.5 points · Demonstrate “Bring earlier payrolls into year-to-date balances” with a sample record; show the result, permissions and required plan. Ask for a demonstration Demonstrate “Bring earlier payrolls into year-to-date balances” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Supported2.5 / 2.5 pts Evidence During setup, administrators can enter prior payroll history so year-to-date balances carry into Gusto. US payroll setup; enter year-to-date payroll before running Gusto payroll; post-launch corrections use a different process. Official documentation · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkCompare current and previous employee pay before submission2.5 points · Demonstrate “Compare current and previous employee pay before submission” with a sample record; show the result, permissions and required plan. Ask for a demonstration Demonstrate “Compare current and previous employee pay before submission” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Supported2.5 / 2.5 pts Evidence Regular-payroll alerts highlight employee pay changes against recent payroll for review before submission. US regular payroll; requires sufficient previous payroll; alerts do not change or submit payroll; no AI capability inferred. Official documentation · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkApprove a payroll run from a mobile manager account2.5 points · Demonstrate “Approve a payroll run from a mobile manager account” with a sample record; show the result, permissions and required plan. Ask for a demonstration Demonstrate “Approve a payroll run from a mobile manager account” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkSplit net pay across employee bank accounts2.5 points · Demonstrate “Split net pay across employee bank accounts” with a sample record; show the result, permissions and required plan. Ask for a demonstration Demonstrate “Split net pay across employee bank accounts” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkCap a deduction using a configured net-pay floor2.5 points · Demonstrate “Cap a deduction using a configured net-pay floor” with a sample record; show the result, permissions and required plan. Ask for a demonstration Demonstrate “Cap a deduction using a configured net-pay floor” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkLet an employee compare two pay statements2.5 points · Demonstrate “Let an employee compare two pay statements” with a sample record; show the result, permissions and required plan. Ask for a demonstration Demonstrate “Let an employee compare two pay statements” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Supported2.5 / 2.5 pts Evidence Eligible employees can compare two paychecks in the iPhone app, including earnings, taxes and deductions. US W-2 employees; iPhone app; at least two paychecks; employee sees their own data only. Official documentation · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkTrace a rejected employee bank payment2.5 points · Demonstrate “Trace a rejected employee bank payment” with a sample record; show the result, permissions and required plan. Ask for a demonstration Demonstrate “Trace a rejected employee bank payment” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source	Not verified0–2.5 / 2.5 pts Evidence This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source

WHAT WE MEASURE

The criteria behind the score.

The established 20 checks contribute 80 points. Eight new operational checks contribute 20 points. AI checks are included in their own group and are excluded when AI priority is set to zero. These assess documented capability scope, not measured performance. Adjust group priorities in the comparison tool.

See the complete calculation →

Pay-run flexibility 20%
Off-cycle changes and payment options affect everyday operations.
US filing service 20%
Filing scope and responsibilities must be explicit.
Time-to-payroll connection 16%
Approved hours should reach the correct payroll period.
Benefit deductions 12%
Benefit changes should not require duplicate rekeying.
AI payroll assistance 14.5%
AI should surface exceptions while retaining review.
Operational detail 17.5%
Specific workflow, integration and control checks beyond the established rubric.

THE PRACTICAL BUYER’S GUIDE

How to choose payroll software.

Payroll selection starts with your workforce and operating calendar, not the smallest advertised monthly price. List the states where employees work, payroll frequencies, hourly and salaried groups, contractors, tips, commissions, benefits, and unusual pay items. Then separate software calculations from the services the provider performs on your behalf. A product may calculate a deduction without administering the related program, or offer fast payments subject to eligibility. The useful comparison is the complete service at your actual headcount, including support and correction work. Our criteria examine documented pay-run capabilities, tax services, time synchronization, benefits synchronization, and AI; they do not certify tax outcomes or the accuracy of your setup.

Use an exception-heavy demonstration

Prepare an anonymized pay period with a new employee, a departing employee, overtime, a bonus, a correction, and a benefit change. Ask each finalist to process the same scenario and show the review screen, funding deadlines, employee pay statements, and accounting export. Record what requires support and what an administrator can fix independently. If you operate in more than one state, include those locations in the demonstration and quote. Do not assume a national sales page means every specialized requirement is covered. Confirm your industry and worker types before transferring historical data or scheduling the first production pay run.

Build a twelve-month cost comparison

Normalize monthly base charges and per-person charges, then add the services you actually need. Include time tracking, additional states if charged, faster payments, year-end delivery, benefits administration, and implementation. Treat a temporary discount separately from the ongoing price. Ask what happens when you pay a contractor only once, add a seasonal employee, or run an extra bonus payroll. Compare the service escalation route as well: a named advisor, priority queue, and general support are different promises. Request the support hours and correction process in writing so the person accountable for payday understands the available help.

Make migration a controlled handover

Assign someone to reconcile employee details, pay items, year-to-date amounts, tax-account information, benefit deductions, and leave balances. Ask both providers what data remains accessible after cancellation and which records require an export. Run a parallel review using a representative payroll before switching, and document any difference rather than dismissing it as rounding. AI explanations can help identify why totals changed, but compare them against the underlying entries. Require a human review before releasing funds. Avoid changing payroll, time policies, benefit plans, and accounting mappings simultaneously unless there is enough staff capacity to verify each moving part.

What changes the total cost?

Base subscription plus employees or paid contractors.
Time, faster payment, benefits, service, and implementation add-ons.
Migration effort, historical exports, and ongoing exception handling.

Where purchases go wrong

Comparing promotional rates with another vendor's normal subscription.
Assuming AI review authorizes or guarantees a correct pay run.
Overlooking funding cutoffs, support hours, and correction responsibilities.

Bring these questions to the demo

Show an off-cycle bonus and a prior-period correction.
Which filings and notices are included for our states and worker types?
How do approved time and benefit changes reach payroll?
Show the AI explanation beside the actual changed payroll entries.

Questions buyers ask

Is the lowest base fee the cheapest payroll?

Not necessarily. Calculate the complete monthly cost at your workforce size and required modules, then compare normal annual spend.

Does payroll software replace an accountant?

It automates defined work. Responsibility for setup, review, reporting, and advice depends on your team and service agreement.

Is payroll AI autonomous?

Capabilities vary. Our notes distinguish answer assistance, exception detection, and preparation from reviewed payroll execution.

Payroll software

Compare the options.

Gusto

Justworks

OnPay

Deel

Paychex Flex

Rippling

BambooHR

ADP Workforce Now