Gusto vs Thunes
Gusto
gusto.comThunes
thunes.comSide by side
| Figure | Gusto | Thunes |
|---|---|---|
| Price from | $49/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 7 | 1 |
| Spec score · Payout Software | 8.1 (#6) | 7.5 (#18) |
| Compliance | Gusto maintains annual SOC 1 and SOC 2 reports available to customers through its Trust Center after signing an NDA. | Thunes says it is licensed in 50 markets and offers embedded risk controls through Fortress Compliance. |
| Founded | 2012 | 2016 |
| Headquarters | San Francisco, California, United States | Singapore |
| Product | Gusto is a small business platform that automates payroll, benefits, and HR. | Thunes provides a global cross-border payments network connecting businesses to local payment methods through direct connections. |
| Security | Gusto says data in transit uses TLS v1.2 and data at rest is encrypted with AES-256 in AWS. | Thunes says it is ISO 27001 and PCI DSS certified and describes measures including encryption, access controls and security monitoring. |
| Support | All plans include 24/7 access to the online Help Center and phone or chat support during business hours; Premium includes a dedicated account partner. | For banks and neobanks, Thunes describes implementation workshops and a dedicated team that supports customers after launch. |
Plans
Gusto
- Contractor OnlyPriced on request
- SimplePriced on request
- PlusPriced on request
- PremiumPriced on request
- Simple$49 a month
- Plus$80 a month
- Premium$180 a month
In their own words
Gusto
Gusto is a small business platform for payroll, benefits, and HR. Employers can pay employees and contractors, run unlimited payrolls, and have payroll taxes filed automatically. Health benefits and 401(k) plans integrate with payroll. Workforce tools cover scheduling, timesheets, PTO requests, and mobile time tracking; hiring features include job postings, offer letters, e-signing, applicant tracking, and new hire onboarding. Gusto’s app directory includes integrations across accounting, collaboration, time tracking, hiring, and expense management, with named examples such as QuickBooks, Xero, FreshBooks, Expensify, Hubstaff, and Homebase. The platform is available on web, Android, iOS, and through an API, and its mobile app works on iPhone and Android phones. Plans are Simple at $49 a month, Plus at $80 a month, and Premium at $180 a month. Their listed per-person monthly charges are respectively $6, $12, and $22. Gusto says plans have no long-term contracts and can be canceled anytime. All plans include access to the online Help Center and business-hours phone or chat support; Premium adds a dedicated account partner.
Thunes
Thunes is a paid, cross-border payments network for moving money between businesses and local payment methods. It serves banks, neobanks, mobile wallets, payment providers, gig-economy platforms, money-transfer operators, digital-asset companies, e-commerce businesses, and payroll or EOR providers. A single payment API provides access to global methods, while financial institutions can also connect through direct APIs or existing Swift infrastructure. The network supports payouts to bank accounts, mobile wallets, cards, cash pickup, and stablecoin wallets, plus acceptance of mobile-wallet, bank, voucher, and BNPL payments. Thunes states coverage of 140 countries, 90 currencies, 220 payment methods, and more than 720 network members. Its stated endpoints include 4 billion mobile and stablecoin wallets, 8 billion bank accounts, and 15 billion cards. REST APIs cover transaction processing, retrieval, account management, and discovery. Real-time tracking, confirmations, transaction insights, and pricing and FX visibility are provided. Thunes says 85% of payments settle immediately or in real time. SmartX Treasury manages FX and liquidity across 90 currencies. Pricing is on request, with fees set during onboarding or in an Order Document.