Software Alternatives, Accelerators & Startups

Gusto VS Splitit

Compare Gusto VS Splitit and see what are their differences

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Gusto logo Gusto

Gusto. Payroll, benefits and compliance in one integrated product. We're here to change how the world works, and put people first.

Splitit logo Splitit

Splitit is a solution that enables consumers to pay for their Retail or Web purchases using their existing credit cards and divide the total cost across as many interest-free payments as they choose, without completing a credit application or qualifโ€ฆ
  • Gusto Landing page
    Landing page //
    2023-05-24
  • Splitit Landing page
    Landing page //
    2023-09-24

Gusto features and specs

  • User-Friendly Interface
    Gusto offers an intuitive and easy-to-use interface which simplifies payroll processing and HR management for businesses of all sizes.
  • Comprehensive HR Tools
    The platform provides a wide range of HR tools, including benefits administration, time tracking, and compliance assistance, helping businesses manage their workforce effectively.
  • Automated Payroll Processing
    With Gusto, payroll processing is automated, reducing the likelihood of errors and saving time for HR departments.
  • Employee Self-Service
    Employees can access their payslips, tax documents, and benefits information directly through Gusto, improving transparency and reducing administrative burden.
  • Customer Support
    Gusto is known for its responsive and knowledgeable customer support, which can assist users with any issues or questions they may have.

Possible disadvantages of Gusto

  • Cost
    Gusto's pricing can be relatively high, especially for small businesses or startups with limited budgets.
  • Limited Integration Options
    While Gusto integrates with several popular apps and software, it may not support all the tools a business uses, potentially complicating workflow processes.
  • Lack of Customization
    Some users may find Gusto's features to be less customizable compared to other HR software solutions, limiting the ability to tailor the platform to specific needs.
  • Learning Curve
    Despite its user-friendly design, some users may experience a learning curve when initially adopting the platform, particularly if they are transitioning from a different system.
  • Dependency on Internet
    As a cloud-based solution, Gusto requires a reliable internet connection for access, which can be a limitation in areas with poor connectivity.

Splitit features and specs

  • Interest-Free Payments
    Splitit allows customers to pay in installments without charging any interest, making it an attractive option for those looking to spread costs over time.
  • No Credit Check
    Splitit does not require a credit check to use its services, which can be beneficial for individuals who have a limited credit history or want to avoid impacting their credit score.
  • Easy Integration
    For merchants, Splitit offers easy and seamless integration with their existing payment systems, allowing them to offer flexible payment options to customers without significant technical overhead.
  • Increase in Sales
    By offering a payment plan, Splitit can potentially increase sales for merchants as customers are more likely to make larger purchases when they can spread out payments.

Possible disadvantages of Splitit

  • Credit Card Requirement
    Customers must have a credit card with sufficient available credit to cover the full amount of the purchase, which might restrict some users from using the service.
  • Hold on Credit Amount
    While using Splitit, the customer's credit card will have a hold placed on the full amount of the purchase, potentially reducing their available credit.
  • Limited Market Presence
    Splitit's availability might be limited depending on the region, meaning not all merchants or customers can access its services globally.
  • Dependence on Card Issuers
    The service's operation depends on agreements with card issuers and networks, which may create dependency issues if partnerships change or end.

Analysis of Gusto

Overall verdict

  • Gusto is widely regarded as a good option for small to medium-sized businesses seeking payroll and human resources solutions.

Why this product is good

  • Gusto offers an intuitive platform that simplifies payroll processing, benefits administration, and HR tasks. Users often praise its user-friendly interface, comprehensive features, and excellent customer service. It automates many time-consuming processes, making it easier for businesses to manage their workforce and comply with regulations.

Recommended for

  • Small to medium-sized businesses
  • Companies seeking easy-to-use payroll solutions
  • Organizations in need of integrated HR tools
  • Businesses looking for efficient employee onboarding processes
  • HR managers wanting comprehensive benefits administration support

Analysis of Splitit

Overall verdict

  • Splitit is considered a good option for those looking to split payments without taking on additional debt or interest. The service can be especially appealing to consumers who want to budget for larger purchases without impacting their credit rating. However, it's important to ensure that the merchant you're purchasing from supports Splitit.

Why this product is good

  • Splitit offers a unique payment solution that allows consumers to pay for purchases over time using their existing credit cards, without incurring interest or fees. This can be beneficial for managing cash flow and making larger purchases more affordable. Additionally, because Splitit's method doesn't involve opening a new line of credit, it avoids affecting the user's credit score.

Recommended for

  • Consumers who prefer interest-free payment plans
  • Individuals looking to manage cash flow efficiently
  • Shoppers who want to avoid impacting their credit score
  • People making larger purchases who prefer to spread the cost over time

Gusto videos

Gusto Payroll Review | Top 6 favorite features | $100 referral code

More videos:

  • Review - Gusto vs. QuickBooks Payroll
  • Tutorial - Gusto Payroll Review & Tutorial ($100 Amazon Bonus)
  • Review - Gusto Payment System: An Honest Review
  • Review - Gusto Payroll Software Review: An In-Depth Look At The Features
  • Review - What You MUST Know About Gusto Payroll
  • Review - Gusto Payroll Software Review - Why this is the BEST Payroll Software in 2023
  • Review - Gusto Payroll Software: The Ultimate Review

Splitit videos

SPLITIT GOES GLOBAL WITH MASTERCARD DEAL ๐Ÿ’ณ

More videos:

  • Review - 3 PROBLEMS with buy now pay later. Afterpay, Zip Pay, Splitit etc.
  • Review - How Does Splitit Work for Shoppers?

Category Popularity

0-100% (relative to Gusto and Splitit)
HR
100 100%
0% 0
Online Payments
0 0%
100% 100
HR Tools
100 100%
0% 0
Business & Commerce
0 0%
100% 100

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Gusto and Splitit

Gusto Reviews

Best Paychex alternatives (2026): prices you can actually see
The default landing for small teams. I run a real Gusto account and rated it 8/10 in the full Gusto review: transparent pricing, strong employee self-onboarding, and it files federal, state and local taxes without me touching anything. Simple costs $49/mo + $6/person per Gustoโ€™s pricing page (captured 30 June 2026), so a 10-person team knows its bill is $109 before ever...
Source: wiserstaff.com
Best BambooHR alternatives (2026): tested picks by use case
I only hand out a score after testing a tool with my own account, so this list splits in two. Gusto, Deel, Breezy HR and Manatal carry real tested verdicts from their own reviews. Rippling, HiBob and Zoho People are credible candidates I havenโ€™t tested, so they appear with no score and no invented pricing. Affiliate links are disclosed above this content and never change...
Source: wiserstaff.com
Best Rippling alternatives (2026): tested picks by use case
If the honest job is โ€œpay a US team correctly and keep the records straightโ€, Gusto does it with published pricing and no sales call, which is precisely the contrast with a quote-only platform. (Weighing Gusto against other payroll routes first? The Gusto alternatives round-up sorts them by exit reason.)
Source: wiserstaff.com
Best Gusto alternatives (2026): picked by exit reason
The best Gusto alternative depends on why youโ€™re leaving. If itโ€™s support quality, OnPay and Patriot are the names real users vouch for. If your team is going global, Gusto canโ€™t follow you; Deel (tested 8/10) can (see Deelโ€™s plans). If you live in QuickBooks, the payroll add-on to your accounting suite has an obvious logic. And if itโ€™s none of those, the honest answer may...
Source: wiserstaff.com
Best Freshteam alternatives (2026): what to switch to
Freshworks is retiring Freshteam, its applicant-tracking and light-HR product, so teams on it need a new home before it shuts down. The best replacement depends on which half of Freshteam you actually used. For the applicant-tracking core, Breezy HR is the closest like-for-like and the one Iโ€™d try first: a free plan, a visual pipeline a non-recruiter can run, and one-click...
Source: wiserstaff.com

Splitit Reviews

We have no reviews of Splitit yet.
Be the first one to post

Social recommendations and mentions

Based on our record, Gusto seems to be more popular. It has been mentiond 18 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

Gusto mentions (18)

  • As a completely inexperienced newbie, how does salary payment work?
    If they are W2 or 1099, look at gusto.com, but I would encourage you to speak with a CPA so they can best advise you on your situation. If you do things wrong, it could put you in a lot of legal trouble. Source: over 3 years ago
  • The Fair Tax Act Aims to Abolish the IRS and Set a National Sales Tax. Here's How It Would Work
    There's Quickbooks for accounting. There's Gusto for payroll. There's CalendarCrush for invoicing. It'll cost you about $200 a month to get tooled correctly and you're off to the races. Source: over 3 years ago
  • Breaking Into Legal Tech
    Make โ€ข Build and automate workflows InvoiceBerry โ€ข Online invoicing for small businesses Gusto โ€ข Payroll, benefits and HR management Hive โ€ข Manage tasks, workflows and teamโ€™s work Lanva โ€ข Social video editing app. ClickUp โ€ข Manage tasks, docs, chat, goals and more Plausible โ€ข Open-source privacy-friendly web analytics Podcast Hawk โ€ข Podcast guest booking software. Writesonic โ€ข AI-driven content... Source: almost 4 years ago
  • Do I need to out my 18y old on as an employee?
    W2 employee - More complicated to setup but there are lots of great services like Gusto that do pretty much everything for you. Then you just run payroll and taxes are taken out of his check. Source: almost 4 years ago
  • Hiring a Canadian for ad hoc, hourly work (I'm a US person, not yet a business)
    Third - the 1099. If you have a consulting contract, then you don't have to pay taxes for the individual. The consulting contract will clearly state that they are responsible for all taxes, including self-employment taxes. I still use a payroll service (gusto.com in my case, but whatever floats your boat) to pay contractors, that way someone else is taking care of the 1099s and such, which can be a pain in the ass. Source: almost 4 years ago
View more

Splitit mentions (0)

We have not tracked any mentions of Splitit yet. Tracking of Splitit recommendations started around Mar 2021.

What are some alternatives?

When comparing Gusto and Splitit, you can also consider the following products

Paychex - Are you in need of payroll services, HR services, 401(k) and benefits administration, or more? No matter the size of your business, Paychex can help.

Sezzle - Sezzle is a digital payment platform designed to help shoppers manage their financial futures with great ease.

ADP Workforce Now - ADP Workforce Now provides cloud-based software, expert support and predictive analytics for data-driven insights.

Klarna - Klarna provides e-commerce payment solutions for merchants and shoppers.

Paylocity - Paylocity has revolutionized the industry and has quickly become the leading independent provider of online payroll services and HR solutions.

PayPal Credit - PayPal Credit provides financing options to businesses.