By Matt D'Angelo, business.com Writer | Updated Mar 12, 2019
PayUSA can manage all of your payroll processing needs, support various payment types for different types of employees and handle year-end tax forms. As a cloud-based online payroll solution, PayUSA is suitable for businesses of all sizes. It integrates with several of its own solutions, like time and attendance systems and workers' compensation insurance. It can also be linked with third-party software, like QuickBooks. Overall, PayUSA provides solid services for small businesses, but there are some additional fees that weren't consistent with some of the other companies we reviewed. It's also important to keep in mind that PayUSA can only file payroll taxes in 17 states, all of which are listed below.
Read our reviews of other top payroll companies, see answers to frequently asked questions and review a complete vendor list on our online payroll best picks page.
PayUSA Pricing and Terms
PayUSA bases its pricing on how many employees you have and how often you pay them. For a business with 20 employees who are paid biweekly, we were quoted prices of about $75 a month for the payroll and tax services. However, there were a number of additional costs.
Specifically, there is a $5 monthly charge for direct deposit, plus a charge based on what percentage of your employees use direct deposit. There are also both monthly and one-time costs for using the payroll company's check signing and stuffing service. The exact monthly costs are determined by how many employees request paper checks each pay period.
There is also an added cost for year-end tax services. Those services cost $34, plus $6.25 per W-2.
There are added monthly costs if you use any of PayUSA's additional services. The cost of the time and attendance system is $3 per employee per month, while the cost of the onboarding services is $1 per new employee per month. There is a $250 monthly fee for the applicant tracking system and a $7 monthly charge for the workplace poster compliance service.
There are no contracts with PayUSA. However, you must give 30 days' written notice when canceling the service.
PayUSA Services and Features
These are the payroll services PayUSA offers businesses:
- You can pay employees via direct deposit or printed check. For employees paid by check, you can either have PayUSA handle the check printing or print them from your own printer.
- PayUSA handles all your payroll tax obligations. It automatically calculates, files and pays your payroll taxes on your behalf. PayUSA offers a guarantee that it will pay any fines resulting from a payroll tax error. However, its tax services are not available in all states.
- This online payroll solution handles year-end W-2 and 1099 processing.
- The system offers a full spectrum of payroll reports. Besides a standard report that summarizes the transactions for each pay period, PayUSA offers other reports, such as for cash analysis, tax liabilities, department allocations and check reconciliations. In all, the service gives employers access to more than 100 reports. There is also a report writer tool that allows you to tailor reports to your specifications.
- Employees have access to the system to review their paystubs and year-end tax documents.
- PayUSA includes reporting tools that allow you to seamlessly apply payroll data to your general ledger. The system interface directly integrates with QuickBooks.
Pros and Cons
- In addition to payroll processing, PayUSA provides a wide range of other services, like time and attendance software and ACA compliance.
- PayUSA can only file taxes in 17 states.
- PayUSA has additional fees for things like direct deposit and year-end tax services.
PayUSA offers several other services that businesses may be interested in, including new-hire reporting, time and attendance systems, workers' compensation insurance and Affordable Care Act compliance.
The biggest downside to PayUSA is that its tax filing services are only available in 17 states: Rhode Island, Vermont, New Hampshire, Massachusetts, New York, New Jersey, Pennsylvania, Maryland, Delaware, Virginia, North Carolina, Tennessee, South Carolina, Georgia, Florida, Texas and California.
Another negative is that PayUSA charges for some services, such as direct deposit and year-end tax forms, that other companies include in their base costs. Additionally, the PayUSA website does not have live chat or helpful support resources like FAQs or tutorials. PayUSA is not an accredited member of the Better Business Bureau. However, the company still has an A+ rating and, as of September 2018, no complaints filed against it.