{ "dataset_title": "2026 US B2B Payroll, 50-State SUI Tax & Credit Card Interchange-Plus Benchmark Dataset", "publisher": "B2B Fee Audit (b2bfeeaudit.com) \u2014 Research Triangle Park AI Transformation LLC", "license": "CC-BY-4.0", "generated_at_utc": "2026-10-24T22:26:00Z", "vendors": { "schema_version": "2026.10.24-deterministic-b2b-vendors", "generated_at_utc": "2026-10-24T22:26:00Z", "corporate_entity": "Research Triangle Park AI Transformation LLC (EIN 42-3641177)", "domain": "b2bfeeaudit.com", "license": "CC-BY-4.0", "payroll": [ { "id": "gusto", "slug": "gusto", "name": "Gusto", "plan_name": "Gusto Simple / Plus (2026)", "category": "payroll_hris", "base_monthly_usd": 49.0, "plus_base_monthly_usd": 80.0, "pepm_w2_usd": 6.0, "plus_pepm_w2_usd": 12.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 12.0, "multi_state_included_on_plus": true, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 1.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 500.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "GUSTO-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.85, "cta_primary_text": "Compare Gusto True TCO & Claim $500 Switch Credit \u2192", "cta_table_text": "Audit Gusto Plan \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-15739012?sid={clickref}&url=https%3A%2F%2Fgusto.com%2Fpricing", "pricing_source_url": "https://gusto.com/product/pricing", "last_verified": "2026-10-24", "best_for": "1\u201350 W-2 employees in 1\u20133 US states seeking zero W-2 year-end filing fees", "hidden_fee_notes": "Simple ($49+$6/pepm) covers 1 state; multi-state payroll requires Gusto Plus ($80+$12/pepm) or state tax registration add-on." }, { "id": "rippling", "slug": "rippling", "name": "Rippling", "plan_name": "Rippling Workforce Platform + Payroll (2026)", "category": "payroll_hris", "base_monthly_usd": 50.0, "pepm_w2_usd": 16.0, "pepm_breakdown": { "platform_core_usd": 8.0, "payroll_module_usd": 8.0 }, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 15.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 2.0, "implementation_fee_usd": 150.0, "switching_credit_usd": 600.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "RIPPLING-CJ-2026", "cpa_payout_usd": 200.0, "epc_modeled_usd": 6.1, "cta_primary_text": "Calculate Rippling Bundle & Unlock 3 Months Free \u2192", "cta_table_text": "Check Rippling Quote \u2192", "affiliate_url_template": "https://www.dpbolvw.net/click-8108003-15810442?sid={clickref}&url=https%3A%2F%2Fwww.rippling.com%2Fpricing", "pricing_source_url": "https://www.rippling.com/pricing", "last_verified": "2026-10-24", "best_for": "15\u2013250 employees needing unified HRIS, IT device management, and automated multi-state SUI registration", "hidden_fee_notes": "Advertised '$8/user/mo' requires mandatory Rippling Unity Core ($8/user/mo) plus $50/mo base minimum ($16/PEPM effective starting floor)." }, { "id": "deel", "slug": "deel", "name": "Deel", "plan_name": "Deel US Payroll + Global Contractor / EOR (2026)", "category": "payroll_hris", "base_monthly_usd": 0.0, "pepm_w2_usd": 19.0, "contractor_1099_monthly_usd": 49.0, "us_domestic_1099_promo_usd": 19.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 1.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 750.0, "free_trial_days": 30, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "DEEL-AWIN-63110", "cpa_payout_usd": 250.0, "epc_modeled_usd": 7.4, "cta_primary_text": "Compare Deel All-State + EOR Rate ($750 Credit) \u2192", "cta_table_text": "Get Deel Rate \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=63110&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fwww.deel.com%2Fpricing", "pricing_source_url": "https://www.deel.com/pricing", "last_verified": "2026-10-24", "best_for": "Distributed teams with multi-state US W-2s + international contractors or EOR hires across 150+ countries", "hidden_fee_notes": "$0 base fee and all 50 US states included at $19/PEPM; watch 1.5%\u20132.5% cross-border FX spread on non-USD contractor payouts." }, { "id": "onpay", "slug": "onpay", "name": "OnPay", "plan_name": "OnPay All-Inclusive Payroll (2026)", "category": "payroll_hris", "base_monthly_usd": 40.0, "pepm_w2_usd": 6.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 5.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 300.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "ONPAY-CJ-2026", "cpa_payout_usd": 100.0, "epc_modeled_usd": 3.6, "cta_primary_text": "Check OnPay Flat $40+$6 Multi-State Price \u2192", "cta_table_text": "Check OnPay Price \u2192", "affiliate_url_template": "https://www.jdoqocy.com/click-8108003-14029183?sid={clickref}&url=https%3A%2F%2Fonpay.com%2Fpricing", "pricing_source_url": "https://onpay.com/pricing", "last_verified": "2026-10-24", "best_for": "5\u2013100 US employees across multiple states seeking flat $40 + $6/person pricing with zero extra state filing surcharges", "hidden_fee_notes": "Unlimited multi-state filings included at $0 extra; $5/form W-2/1099 year-end delivery fee unless waived via partner promo." }, { "id": "adp", "slug": "adp", "name": "ADP RUN", "plan_name": "ADP RUN Complete Payroll & HR (2026)", "category": "payroll_hris", "base_monthly_usd": 79.0, "pepm_w2_usd": 10.0, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 35.0, "w2_1099_year_end_base_usd": 65.0, "w2_1099_year_end_per_form_usd": 6.5, "eor_monthly_per_employee_usd": 699.0, "eor_fx_spread_pct": 3.0, "implementation_fee_usd": 200.0, "switching_credit_usd": 250.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "ADP-CJ-2026", "cpa_payout_usd": 175.0, "epc_modeled_usd": 4.95, "cta_primary_text": "Audit ADP RUN Fee Schedule vs. Modern Alternatives \u2192", "cta_table_text": "Compare ADP Quote \u2192", "affiliate_url_template": "https://www.tkqlhce.com/click-8108003-13984110?sid={clickref}&url=https%3A%2F%2Fwww.adp.com%2Fwhat-we-offer%2Fproducts%2Frun-powered-by-adp.aspx", "pricing_source_url": "https://www.adp.com/what-we-offer/products/run-powered-by-adp.aspx", "last_verified": "2026-10-24", "best_for": "Legacy SMB benchmark; often carries $35/mo per extra state jurisdiction and $65+$6.50/W-2 year-end filing fees", "hidden_fee_notes": "Per-pay-run billing cycles (26 biweekly runs = 2 extra billing months/yr if not negotiated to monthly flat), $35/extra state/mo, and year-end W-2 package fees." }, { "id": "paychex", "slug": "paychex", "name": "Paychex Flex", "plan_name": "Paychex Flex Select (2026)", "category": "payroll_hris", "base_monthly_usd": 69.0, "pepm_w2_usd": 9.0, "contractor_1099_monthly_usd": 7.0, "multi_state_fee_per_extra_state_monthly_usd": 30.0, "w2_1099_year_end_base_usd": 60.0, "w2_1099_year_end_per_form_usd": 6.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.8, "implementation_fee_usd": 150.0, "switching_credit_usd": 250.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "PAYCHEX-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.4, "cta_primary_text": "Audit Paychex Flex Year-End & Multi-State Fees \u2192", "cta_table_text": "Compare Paychex \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-14112098?sid={clickref}&url=https%3A%2F%2Fwww.paychex.com%2Fpayroll%2Fpricing", "pricing_source_url": "https://www.paychex.com/payroll/pricing", "last_verified": "2026-10-24", "best_for": "Traditional SMB payroll comparison; watch $30/extra state tax filing fee and January W-2/1099 delivery charges", "hidden_fee_notes": "Promotional 50% off for 6 months resets to full list + $60+$6/W-2 year-end tax form processing fee and $30/mo per extra state." }, { "id": "justworks", "slug": "justworks", "name": "Justworks", "plan_name": "Justworks Payroll & PEO Basic (2026)", "category": "payroll_hris", "base_monthly_usd": 0.0, "pepm_w2_usd": 59.0, "pepm_tier_50_plus_usd": 49.0, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 2.0, "implementation_fee_usd": 0.0, "switching_credit_usd": 500.0, "free_trial_days": 0, "affiliate_network": "Rakuten", "publisher_account_id": "4767884", "advertiser_mid": "JUSTWORKS-RAK-54112", "cpa_payout_usd": 180.0, "epc_modeled_usd": 5.2, "cta_primary_text": "Compare Justworks PEO All-State SUI Pool \u2192", "cta_table_text": "Check Justworks PEO \u2192", "affiliate_url_template": "https://click.linksynergy.com/deeplink?id=4767884&mid=54112&u1={clickref}&murl=https%3A%2F%2Fwww.justworks.com%2Fpricing", "pricing_source_url": "https://www.justworks.com/pricing", "last_verified": "2026-10-24", "best_for": "10\u2013100 employee teams wanting full PEO master-policy benefits and multi-state compliance under Justworks' FEIN", "hidden_fee_notes": "Higher $59/PEPM base, and PEO co-employment restarts FUTA/SUI wage-base caps if switching mid-calendar-year (Q2\u2013Q4)." }, { "id": "quickbooks_payroll", "slug": "quickbooks-payroll", "name": "QuickBooks Payroll", "plan_name": "QuickBooks Online Payroll Core (2026)", "category": "payroll_hris", "base_monthly_usd": 50.0, "pepm_w2_usd": 6.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 12.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 200.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "QBO-CJ-2026", "cpa_payout_usd": 110.0, "epc_modeled_usd": 3.85, "cta_primary_text": "Check QuickBooks Payroll Ledger Bundle \u2192", "cta_table_text": "Check QBO Payroll \u2192", "affiliate_url_template": "https://www.dpbolvw.net/click-8108003-13871002?sid={clickref}&url=https%3A%2F%2Fquickbooks.intuit.com%2Fpayroll%2Fpricing%2F", "pricing_source_url": "https://quickbooks.intuit.com/payroll/pricing/", "last_verified": "2026-10-24", "best_for": "1\u201320 single-state US employees already using QuickBooks Online accounting", "hidden_fee_notes": "Core charges $12/mo per additional state filing; automated local/city tax filings require upgrading to Elite ($130/mo + $11/PEPM)." } ], "merchant": [ { "id": "helcim", "slug": "helcim", "name": "Helcim", "plan_name": "Helcim Volume-Tiered Interchange-Plus (2026)", "category": "merchant_processing", "pricing_model": "interchange_plus", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.3, "card_present_fixed_usd": 0.08, "online_cnp_markup_pct": 0.4, "online_cnp_fixed_usd": 0.08, "volume_tiers": [ { "min_monthly_usd": 0, "max_monthly_usd": 25000, "cp_markup_pct": 0.3, "cnp_markup_pct": 0.4, "fixed_usd": 0.08 }, { "min_monthly_usd": 25001, "max_monthly_usd": 50000, "cp_markup_pct": 0.25, "cnp_markup_pct": 0.35, "fixed_usd": 0.07 }, { "min_monthly_usd": 50001, "max_monthly_usd": 100000, "cp_markup_pct": 0.2, "cnp_markup_pct": 0.25, "fixed_usd": 0.07 }, { "min_monthly_usd": 100001, "max_monthly_usd": 99999999, "cp_markup_pct": 0.15, "cnp_markup_pct": 0.2, "fixed_usd": 0.06 } ], "international_surcharge_pct": 0.5, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "HELCIM-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 5.45, "cta_primary_text": "Switch to Helcim IC+ ($0 Monthly Fee + Automatic Volume Discounts) \u2192", "cta_table_text": "Lock In Helcim IC+ \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-15612990?sid={clickref}&url=https%3A%2F%2Fwww.helcim.com%2Fpricing%2F", "pricing_source_url": "https://www.helcim.com/pricing/", "last_verified": "2026-10-24", "best_for": "Merchants & B2B SaaS processing $15,000\u2013$120,000/mo wanting true Interchange-Plus with $0 monthly account fee", "hidden_fee_notes": "$0 monthly fee, $0 PCI fee, and automatic volume margin drops at $25k, $50k, and $100k/mo." }, { "id": "stax", "slug": "stax", "name": "Stax Pay", "plan_name": "Stax 0% Markup Subscription IC+ (2026)", "category": "merchant_processing", "pricing_model": "subscription_ic_zero", "monthly_account_fee_usd": 99.0, "monthly_account_fee_high_vol_usd": 199.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.0, "card_present_fixed_usd": 0.1, "online_cnp_markup_pct": 0.0, "online_cnp_fixed_usd": 0.15, "international_surcharge_pct": 0.5, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "STAX-CJ-2026", "cpa_payout_usd": 200.0, "epc_modeled_usd": 6.8, "cta_primary_text": "Run Free Stax 0%-Markup Statement Audit \u2192", "cta_table_text": "Audit With Stax 0% IC+ \u2192", "affiliate_url_template": "https://www.dpbolvw.net/click-8108003-15548210?sid={clickref}&url=https%3A%2F%2Fstaxpayments.com%2Fpricing%2F", "pricing_source_url": "https://staxpayments.com/pricing/", "last_verified": "2026-10-24", "best_for": "High-volume businesses processing $40,000\u2013$500,000+/mo where 0% percentage markup saves $4,000\u2013$28,000/yr over Stripe/Square", "hidden_fee_notes": "$99/mo subscription up to $150k/yr ($199/mo up to $500k/yr); passes exact wholesale Visa/MC interchange with 0.00% percentage markup." }, { "id": "paymentcloud", "slug": "paymentcloud", "name": "PaymentCloud", "plan_name": "PaymentCloud B2B Level-3 & High-Ticket IC+ (2026)", "category": "merchant_processing", "pricing_model": "interchange_plus", "monthly_account_fee_usd": 15.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.25, "card_present_fixed_usd": 0.1, "online_cnp_markup_pct": 0.35, "online_cnp_fixed_usd": 0.15, "international_surcharge_pct": 0.6, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "b2b_level3_interchange_reduction_pct": 0.65, "early_termination_fee_usd": 0.0, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "PAYMENTCLOUD-AWIN-61884", "cpa_payout_usd": 185.0, "epc_modeled_usd": 6.15, "cta_primary_text": "Claim PaymentCloud B2B Level-3 Interchange Audit \u2192", "cta_table_text": "Get Level-3 IC+ Quote \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=61884&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fpaymentcloudinc.com%2Fpricing%2F", "pricing_source_url": "https://paymentcloudinc.com/pricing/", "last_verified": "2026-10-24", "best_for": "B2B invoicing, wholesalers, and high-ticket services ($500\u2013$15,000 avg ticket) unlocking Visa/MC Level-2/Level-3 interchange reductions (-0.65%)", "hidden_fee_notes": "$15/mo gateway fee; automated Level-3 line-item data injection drops corporate/purchasing card wholesale interchange from 2.70% to ~1.90%." }, { "id": "cdg_commerce", "slug": "cdg-commerce", "name": "CDGcommerce", "plan_name": "CDGcommerce Simple IC+ Membership (2026)", "category": "merchant_processing", "pricing_model": "interchange_plus", "monthly_account_fee_usd": 49.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.25, "card_present_fixed_usd": 0.1, "online_cnp_markup_pct": 0.25, "online_cnp_fixed_usd": 0.1, "international_surcharge_pct": 0.5, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "CDG-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.9, "cta_primary_text": "Compare CDGcommerce IC+ Rate \u2192", "cta_table_text": "Check CDG IC+ \u2192", "affiliate_url_template": "https://www.jdoqocy.com/click-8108003-14992011?sid={clickref}&url=https%3A%2F%2Fwww.cdgcommerce.com%2Fpricing.php", "pricing_source_url": "https://www.cdgcommerce.com/pricing.php", "last_verified": "2026-10-24", "best_for": "US merchants processing $15,000\u2013$100,000/mo with QuickBooks B2B invoicing integration", "hidden_fee_notes": "$0/mo under $10k volume, $49/mo IC+ tier for $10k\u2013$100k/mo at IC + 0.25% + $0.10." }, { "id": "stripe", "slug": "stripe", "name": "Stripe", "plan_name": "Stripe Blended Flat-Rate Standard (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.7, "card_present_fixed_usd": 0.05, "online_cnp_flat_pct": 2.9, "online_cnp_fixed_usd": 0.3, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 1.0, "invoicing_surcharge_pct": 0.4, "recurring_billing_surcharge_pct": 0.5, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "Direct_Benchmark", "publisher_account_id": "RTPAIT-BENCHMARK", "advertiser_mid": "STRIPE-BENCHMARK", "cpa_payout_usd": 0.0, "epc_modeled_usd": 0.0, "cta_primary_text": "See How Much You Overpay on Stripe 2.9%+$0.30 \u2192", "cta_table_text": "Stripe 2.9% Baseline", "affiliate_url_template": "https://stripe.com/pricing", "pricing_source_url": "https://stripe.com/pricing", "last_verified": "2026-10-24", "best_for": "Early-stage startups processing <$10,000/mo before switching to Interchange-Plus", "hidden_fee_notes": "2.9% + $0.30 base jumps to 3.3%\u20135.4% effective when adding Stripe Invoicing (+0.4%), Stripe Billing (+0.5%), and International Cards (+1.5% + 1.0% FX)." }, { "id": "square", "slug": "square", "name": "Square", "plan_name": "Square Free / Plus Flat-Rate (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.6, "card_present_fixed_usd": 0.1, "online_cnp_flat_pct": 2.9, "online_cnp_fixed_usd": 0.3, "keyed_manual_flat_pct": 3.5, "keyed_manual_fixed_usd": 0.15, "international_surcharge_pct": 1.5, "invoicing_surcharge_pct": 0.4, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "SQUARE-AWIN-59912", "cpa_payout_usd": 85.0, "epc_modeled_usd": 2.95, "cta_primary_text": "Compare Square 2.6%+$0.10 vs. Interchange-Plus \u2192", "cta_table_text": "Compare Square POS \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=59912&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fsquareup.com%2Fus%2Fen%2Fpricing", "pricing_source_url": "https://squareup.com/us/en/pricing", "last_verified": "2026-10-24", "best_for": "In-person retail/food under $15,000/mo; expensive once keyed-in (3.5%+$0.15) or ACH/invoice volume scales", "hidden_fee_notes": "Square Invoices over $10k and manually keyed B2B cards (3.5% + $0.15) keep regulated $0.22 Durbin debit savings instead of passing them to the merchant." }, { "id": "paypal", "slug": "paypal", "name": "PayPal Commercial / Braintree", "plan_name": "PayPal Checkout & Invoicing Blended (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.29, "card_present_fixed_usd": 0.09, "online_cnp_flat_pct": 2.99, "online_cnp_fixed_usd": 0.49, "paypal_wallet_invoicing_pct": 3.49, "paypal_wallet_fixed_usd": 0.49, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 3.0, "invoicing_surcharge_pct": 0.5, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "PAYPAL-CJ-2026", "cpa_payout_usd": 75.0, "epc_modeled_usd": 2.4, "cta_primary_text": "Audit PayPal 3.49%+$0.49 Invoicing Markup \u2192", "cta_table_text": "Audit PayPal Fees \u2192", "affiliate_url_template": "https://www.tkqlhce.com/click-8108003-13711904?sid={clickref}&url=https%3A%2F%2Fwww.paypal.com%2Fus%2Fwebapps%2Fmpp%2Fmerchant-fees", "pricing_source_url": "https://www.paypal.com/us/webapps/mpp/merchant-fees", "last_verified": "2026-10-24", "best_for": "Secondary consumer checkout button; highest B2B invoicing cost at 3.49% + $0.49 per invoice", "hidden_fee_notes": "PayPal digital wallet & invoicing charges 3.49% + $0.49 plus 1.50% cross-border and 3.0%\u20134.0% currency conversion spread." }, { "id": "shopify_payments", "slug": "shopify-payments", "name": "Shopify Payments", "plan_name": "Shopify Basic / Grow Payments (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 39.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.7, "card_present_fixed_usd": 0.0, "online_cnp_flat_pct": 2.9, "online_cnp_fixed_usd": 0.3, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 1.5, "third_party_gateway_penalty_pct": 2.0, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "SHOPIFY-AWIN-60441", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.5, "cta_primary_text": "Audit Shopify 2.9%+$0.30 & 2.0% Gateway Penalty \u2192", "cta_table_text": "Audit Shopify Fees \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=60441&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fwww.shopify.com%2Fpricing", "pricing_source_url": "https://www.shopify.com/pricing", "last_verified": "2026-10-24", "best_for": "DTC ecommerce brands; B2B wholesale invoices face a 2.0% third-party gateway penalty on Basic unless routed via offline/external invoicing", "hidden_fee_notes": "2.9% + $0.30 on Basic ($39/mo); charges a 2.0% penalty on external payment gateways unless upgraded or invoiced externally." } ], "all": [ { "id": "gusto", "slug": "gusto", "name": "Gusto", "plan_name": "Gusto Simple / Plus (2026)", "category": "payroll_hris", "base_monthly_usd": 49.0, "plus_base_monthly_usd": 80.0, "pepm_w2_usd": 6.0, "plus_pepm_w2_usd": 12.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 12.0, "multi_state_included_on_plus": true, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 1.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 500.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "GUSTO-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.85, "cta_primary_text": "Compare Gusto True TCO & Claim $500 Switch Credit \u2192", "cta_table_text": "Audit Gusto Plan \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-15739012?sid={clickref}&url=https%3A%2F%2Fgusto.com%2Fpricing", "pricing_source_url": "https://gusto.com/product/pricing", "last_verified": "2026-10-24", "best_for": "1\u201350 W-2 employees in 1\u20133 US states seeking zero W-2 year-end filing fees", "hidden_fee_notes": "Simple ($49+$6/pepm) covers 1 state; multi-state payroll requires Gusto Plus ($80+$12/pepm) or state tax registration add-on." }, { "id": "rippling", "slug": "rippling", "name": "Rippling", "plan_name": "Rippling Workforce Platform + Payroll (2026)", "category": "payroll_hris", "base_monthly_usd": 50.0, "pepm_w2_usd": 16.0, "pepm_breakdown": { "platform_core_usd": 8.0, "payroll_module_usd": 8.0 }, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 15.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 2.0, "implementation_fee_usd": 150.0, "switching_credit_usd": 600.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "RIPPLING-CJ-2026", "cpa_payout_usd": 200.0, "epc_modeled_usd": 6.1, "cta_primary_text": "Calculate Rippling Bundle & Unlock 3 Months Free \u2192", "cta_table_text": "Check Rippling Quote \u2192", "affiliate_url_template": "https://www.dpbolvw.net/click-8108003-15810442?sid={clickref}&url=https%3A%2F%2Fwww.rippling.com%2Fpricing", "pricing_source_url": "https://www.rippling.com/pricing", "last_verified": "2026-10-24", "best_for": "15\u2013250 employees needing unified HRIS, IT device management, and automated multi-state SUI registration", "hidden_fee_notes": "Advertised '$8/user/mo' requires mandatory Rippling Unity Core ($8/user/mo) plus $50/mo base minimum ($16/PEPM effective starting floor)." }, { "id": "deel", "slug": "deel", "name": "Deel", "plan_name": "Deel US Payroll + Global Contractor / EOR (2026)", "category": "payroll_hris", "base_monthly_usd": 0.0, "pepm_w2_usd": 19.0, "contractor_1099_monthly_usd": 49.0, "us_domestic_1099_promo_usd": 19.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 1.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 750.0, "free_trial_days": 30, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "DEEL-AWIN-63110", "cpa_payout_usd": 250.0, "epc_modeled_usd": 7.4, "cta_primary_text": "Compare Deel All-State + EOR Rate ($750 Credit) \u2192", "cta_table_text": "Get Deel Rate \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=63110&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fwww.deel.com%2Fpricing", "pricing_source_url": "https://www.deel.com/pricing", "last_verified": "2026-10-24", "best_for": "Distributed teams with multi-state US W-2s + international contractors or EOR hires across 150+ countries", "hidden_fee_notes": "$0 base fee and all 50 US states included at $19/PEPM; watch 1.5%\u20132.5% cross-border FX spread on non-USD contractor payouts." }, { "id": "onpay", "slug": "onpay", "name": "OnPay", "plan_name": "OnPay All-Inclusive Payroll (2026)", "category": "payroll_hris", "base_monthly_usd": 40.0, "pepm_w2_usd": 6.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 5.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 300.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "ONPAY-CJ-2026", "cpa_payout_usd": 100.0, "epc_modeled_usd": 3.6, "cta_primary_text": "Check OnPay Flat $40+$6 Multi-State Price \u2192", "cta_table_text": "Check OnPay Price \u2192", "affiliate_url_template": "https://www.jdoqocy.com/click-8108003-14029183?sid={clickref}&url=https%3A%2F%2Fonpay.com%2Fpricing", "pricing_source_url": "https://onpay.com/pricing", "last_verified": "2026-10-24", "best_for": "5\u2013100 US employees across multiple states seeking flat $40 + $6/person pricing with zero extra state filing surcharges", "hidden_fee_notes": "Unlimited multi-state filings included at $0 extra; $5/form W-2/1099 year-end delivery fee unless waived via partner promo." }, { "id": "adp", "slug": "adp", "name": "ADP RUN", "plan_name": "ADP RUN Complete Payroll & HR (2026)", "category": "payroll_hris", "base_monthly_usd": 79.0, "pepm_w2_usd": 10.0, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 35.0, "w2_1099_year_end_base_usd": 65.0, "w2_1099_year_end_per_form_usd": 6.5, "eor_monthly_per_employee_usd": 699.0, "eor_fx_spread_pct": 3.0, "implementation_fee_usd": 200.0, "switching_credit_usd": 250.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "ADP-CJ-2026", "cpa_payout_usd": 175.0, "epc_modeled_usd": 4.95, "cta_primary_text": "Audit ADP RUN Fee Schedule vs. Modern Alternatives \u2192", "cta_table_text": "Compare ADP Quote \u2192", "affiliate_url_template": "https://www.tkqlhce.com/click-8108003-13984110?sid={clickref}&url=https%3A%2F%2Fwww.adp.com%2Fwhat-we-offer%2Fproducts%2Frun-powered-by-adp.aspx", "pricing_source_url": "https://www.adp.com/what-we-offer/products/run-powered-by-adp.aspx", "last_verified": "2026-10-24", "best_for": "Legacy SMB benchmark; often carries $35/mo per extra state jurisdiction and $65+$6.50/W-2 year-end filing fees", "hidden_fee_notes": "Per-pay-run billing cycles (26 biweekly runs = 2 extra billing months/yr if not negotiated to monthly flat), $35/extra state/mo, and year-end W-2 package fees." }, { "id": "paychex", "slug": "paychex", "name": "Paychex Flex", "plan_name": "Paychex Flex Select (2026)", "category": "payroll_hris", "base_monthly_usd": 69.0, "pepm_w2_usd": 9.0, "contractor_1099_monthly_usd": 7.0, "multi_state_fee_per_extra_state_monthly_usd": 30.0, "w2_1099_year_end_base_usd": 60.0, "w2_1099_year_end_per_form_usd": 6.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.8, "implementation_fee_usd": 150.0, "switching_credit_usd": 250.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "PAYCHEX-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.4, "cta_primary_text": "Audit Paychex Flex Year-End & Multi-State Fees \u2192", "cta_table_text": "Compare Paychex \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-14112098?sid={clickref}&url=https%3A%2F%2Fwww.paychex.com%2Fpayroll%2Fpricing", "pricing_source_url": "https://www.paychex.com/payroll/pricing", "last_verified": "2026-10-24", "best_for": "Traditional SMB payroll comparison; watch $30/extra state tax filing fee and January W-2/1099 delivery charges", "hidden_fee_notes": "Promotional 50% off for 6 months resets to full list + $60+$6/W-2 year-end tax form processing fee and $30/mo per extra state." }, { "id": "justworks", "slug": "justworks", "name": "Justworks", "plan_name": "Justworks Payroll & PEO Basic (2026)", "category": "payroll_hris", "base_monthly_usd": 0.0, "pepm_w2_usd": 59.0, "pepm_tier_50_plus_usd": 49.0, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 2.0, "implementation_fee_usd": 0.0, "switching_credit_usd": 500.0, "free_trial_days": 0, "affiliate_network": "Rakuten", "publisher_account_id": "4767884", "advertiser_mid": "JUSTWORKS-RAK-54112", "cpa_payout_usd": 180.0, "epc_modeled_usd": 5.2, "cta_primary_text": "Compare Justworks PEO All-State SUI Pool \u2192", "cta_table_text": "Check Justworks PEO \u2192", "affiliate_url_template": "https://click.linksynergy.com/deeplink?id=4767884&mid=54112&u1={clickref}&murl=https%3A%2F%2Fwww.justworks.com%2Fpricing", "pricing_source_url": "https://www.justworks.com/pricing", "last_verified": "2026-10-24", "best_for": "10\u2013100 employee teams wanting full PEO master-policy benefits and multi-state compliance under Justworks' FEIN", "hidden_fee_notes": "Higher $59/PEPM base, and PEO co-employment restarts FUTA/SUI wage-base caps if switching mid-calendar-year (Q2\u2013Q4)." }, { "id": "quickbooks_payroll", "slug": "quickbooks-payroll", "name": "QuickBooks Payroll", "plan_name": "QuickBooks Online Payroll Core (2026)", "category": "payroll_hris", "base_monthly_usd": 50.0, "pepm_w2_usd": 6.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 12.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 200.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "QBO-CJ-2026", "cpa_payout_usd": 110.0, "epc_modeled_usd": 3.85, "cta_primary_text": "Check QuickBooks Payroll Ledger Bundle \u2192", "cta_table_text": "Check QBO Payroll \u2192", "affiliate_url_template": "https://www.dpbolvw.net/click-8108003-13871002?sid={clickref}&url=https%3A%2F%2Fquickbooks.intuit.com%2Fpayroll%2Fpricing%2F", "pricing_source_url": "https://quickbooks.intuit.com/payroll/pricing/", "last_verified": "2026-10-24", "best_for": "1\u201320 single-state US employees already using QuickBooks Online accounting", "hidden_fee_notes": "Core charges $12/mo per additional state filing; automated local/city tax filings require upgrading to Elite ($130/mo + $11/PEPM)." }, { "id": "helcim", "slug": "helcim", "name": "Helcim", "plan_name": "Helcim Volume-Tiered Interchange-Plus (2026)", "category": "merchant_processing", "pricing_model": "interchange_plus", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.3, "card_present_fixed_usd": 0.08, "online_cnp_markup_pct": 0.4, "online_cnp_fixed_usd": 0.08, "volume_tiers": [ { "min_monthly_usd": 0, "max_monthly_usd": 25000, "cp_markup_pct": 0.3, "cnp_markup_pct": 0.4, "fixed_usd": 0.08 }, { "min_monthly_usd": 25001, "max_monthly_usd": 50000, "cp_markup_pct": 0.25, "cnp_markup_pct": 0.35, "fixed_usd": 0.07 }, { "min_monthly_usd": 50001, "max_monthly_usd": 100000, "cp_markup_pct": 0.2, "cnp_markup_pct": 0.25, "fixed_usd": 0.07 }, { "min_monthly_usd": 100001, "max_monthly_usd": 99999999, "cp_markup_pct": 0.15, "cnp_markup_pct": 0.2, "fixed_usd": 0.06 } ], "international_surcharge_pct": 0.5, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "HELCIM-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 5.45, "cta_primary_text": "Switch to Helcim IC+ ($0 Monthly Fee + Automatic Volume Discounts) \u2192", "cta_table_text": "Lock In Helcim IC+ \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-15612990?sid={clickref}&url=https%3A%2F%2Fwww.helcim.com%2Fpricing%2F", "pricing_source_url": "https://www.helcim.com/pricing/", "last_verified": "2026-10-24", "best_for": "Merchants & B2B SaaS processing $15,000\u2013$120,000/mo wanting true Interchange-Plus with $0 monthly account fee", "hidden_fee_notes": "$0 monthly fee, $0 PCI fee, and automatic volume margin drops at $25k, $50k, and $100k/mo." }, { "id": "stax", "slug": "stax", "name": "Stax Pay", "plan_name": "Stax 0% Markup Subscription IC+ (2026)", "category": "merchant_processing", "pricing_model": "subscription_ic_zero", "monthly_account_fee_usd": 99.0, "monthly_account_fee_high_vol_usd": 199.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.0, "card_present_fixed_usd": 0.1, "online_cnp_markup_pct": 0.0, "online_cnp_fixed_usd": 0.15, "international_surcharge_pct": 0.5, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "STAX-CJ-2026", "cpa_payout_usd": 200.0, "epc_modeled_usd": 6.8, "cta_primary_text": "Run Free Stax 0%-Markup Statement Audit \u2192", "cta_table_text": "Audit With Stax 0% IC+ \u2192", "affiliate_url_template": "https://www.dpbolvw.net/click-8108003-15548210?sid={clickref}&url=https%3A%2F%2Fstaxpayments.com%2Fpricing%2F", "pricing_source_url": "https://staxpayments.com/pricing/", "last_verified": "2026-10-24", "best_for": "High-volume businesses processing $40,000\u2013$500,000+/mo where 0% percentage markup saves $4,000\u2013$28,000/yr over Stripe/Square", "hidden_fee_notes": "$99/mo subscription up to $150k/yr ($199/mo up to $500k/yr); passes exact wholesale Visa/MC interchange with 0.00% percentage markup." }, { "id": "paymentcloud", "slug": "paymentcloud", "name": "PaymentCloud", "plan_name": "PaymentCloud B2B Level-3 & High-Ticket IC+ (2026)", "category": "merchant_processing", "pricing_model": "interchange_plus", "monthly_account_fee_usd": 15.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.25, "card_present_fixed_usd": 0.1, "online_cnp_markup_pct": 0.35, "online_cnp_fixed_usd": 0.15, "international_surcharge_pct": 0.6, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "b2b_level3_interchange_reduction_pct": 0.65, "early_termination_fee_usd": 0.0, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "PAYMENTCLOUD-AWIN-61884", "cpa_payout_usd": 185.0, "epc_modeled_usd": 6.15, "cta_primary_text": "Claim PaymentCloud B2B Level-3 Interchange Audit \u2192", "cta_table_text": "Get Level-3 IC+ Quote \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=61884&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fpaymentcloudinc.com%2Fpricing%2F", "pricing_source_url": "https://paymentcloudinc.com/pricing/", "last_verified": "2026-10-24", "best_for": "B2B invoicing, wholesalers, and high-ticket services ($500\u2013$15,000 avg ticket) unlocking Visa/MC Level-2/Level-3 interchange reductions (-0.65%)", "hidden_fee_notes": "$15/mo gateway fee; automated Level-3 line-item data injection drops corporate/purchasing card wholesale interchange from 2.70% to ~1.90%." }, { "id": "cdg_commerce", "slug": "cdg-commerce", "name": "CDGcommerce", "plan_name": "CDGcommerce Simple IC+ Membership (2026)", "category": "merchant_processing", "pricing_model": "interchange_plus", "monthly_account_fee_usd": 49.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.25, "card_present_fixed_usd": 0.1, "online_cnp_markup_pct": 0.25, "online_cnp_fixed_usd": 0.1, "international_surcharge_pct": 0.5, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "CDG-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.9, "cta_primary_text": "Compare CDGcommerce IC+ Rate \u2192", "cta_table_text": "Check CDG IC+ \u2192", "affiliate_url_template": "https://www.jdoqocy.com/click-8108003-14992011?sid={clickref}&url=https%3A%2F%2Fwww.cdgcommerce.com%2Fpricing.php", "pricing_source_url": "https://www.cdgcommerce.com/pricing.php", "last_verified": "2026-10-24", "best_for": "US merchants processing $15,000\u2013$100,000/mo with QuickBooks B2B invoicing integration", "hidden_fee_notes": "$0/mo under $10k volume, $49/mo IC+ tier for $10k\u2013$100k/mo at IC + 0.25% + $0.10." }, { "id": "stripe", "slug": "stripe", "name": "Stripe", "plan_name": "Stripe Blended Flat-Rate Standard (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.7, "card_present_fixed_usd": 0.05, "online_cnp_flat_pct": 2.9, "online_cnp_fixed_usd": 0.3, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 1.0, "invoicing_surcharge_pct": 0.4, "recurring_billing_surcharge_pct": 0.5, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "Direct_Benchmark", "publisher_account_id": "RTPAIT-BENCHMARK", "advertiser_mid": "STRIPE-BENCHMARK", "cpa_payout_usd": 0.0, "epc_modeled_usd": 0.0, "cta_primary_text": "See How Much You Overpay on Stripe 2.9%+$0.30 \u2192", "cta_table_text": "Stripe 2.9% Baseline", "affiliate_url_template": "https://stripe.com/pricing", "pricing_source_url": "https://stripe.com/pricing", "last_verified": "2026-10-24", "best_for": "Early-stage startups processing <$10,000/mo before switching to Interchange-Plus", "hidden_fee_notes": "2.9% + $0.30 base jumps to 3.3%\u20135.4% effective when adding Stripe Invoicing (+0.4%), Stripe Billing (+0.5%), and International Cards (+1.5% + 1.0% FX)." }, { "id": "square", "slug": "square", "name": "Square", "plan_name": "Square Free / Plus Flat-Rate (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.6, "card_present_fixed_usd": 0.1, "online_cnp_flat_pct": 2.9, "online_cnp_fixed_usd": 0.3, "keyed_manual_flat_pct": 3.5, "keyed_manual_fixed_usd": 0.15, "international_surcharge_pct": 1.5, "invoicing_surcharge_pct": 0.4, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "SQUARE-AWIN-59912", "cpa_payout_usd": 85.0, "epc_modeled_usd": 2.95, "cta_primary_text": "Compare Square 2.6%+$0.10 vs. Interchange-Plus \u2192", "cta_table_text": "Compare Square POS \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=59912&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fsquareup.com%2Fus%2Fen%2Fpricing", "pricing_source_url": "https://squareup.com/us/en/pricing", "last_verified": "2026-10-24", "best_for": "In-person retail/food under $15,000/mo; expensive once keyed-in (3.5%+$0.15) or ACH/invoice volume scales", "hidden_fee_notes": "Square Invoices over $10k and manually keyed B2B cards (3.5% + $0.15) keep regulated $0.22 Durbin debit savings instead of passing them to the merchant." }, { "id": "paypal", "slug": "paypal", "name": "PayPal Commercial / Braintree", "plan_name": "PayPal Checkout & Invoicing Blended (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.29, "card_present_fixed_usd": 0.09, "online_cnp_flat_pct": 2.99, "online_cnp_fixed_usd": 0.49, "paypal_wallet_invoicing_pct": 3.49, "paypal_wallet_fixed_usd": 0.49, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 3.0, "invoicing_surcharge_pct": 0.5, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "PAYPAL-CJ-2026", "cpa_payout_usd": 75.0, "epc_modeled_usd": 2.4, "cta_primary_text": "Audit PayPal 3.49%+$0.49 Invoicing Markup \u2192", "cta_table_text": "Audit PayPal Fees \u2192", "affiliate_url_template": "https://www.tkqlhce.com/click-8108003-13711904?sid={clickref}&url=https%3A%2F%2Fwww.paypal.com%2Fus%2Fwebapps%2Fmpp%2Fmerchant-fees", "pricing_source_url": "https://www.paypal.com/us/webapps/mpp/merchant-fees", "last_verified": "2026-10-24", "best_for": "Secondary consumer checkout button; highest B2B invoicing cost at 3.49% + $0.49 per invoice", "hidden_fee_notes": "PayPal digital wallet & invoicing charges 3.49% + $0.49 plus 1.50% cross-border and 3.0%\u20134.0% currency conversion spread." }, { "id": "shopify_payments", "slug": "shopify-payments", "name": "Shopify Payments", "plan_name": "Shopify Basic / Grow Payments (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 39.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.7, "card_present_fixed_usd": 0.0, "online_cnp_flat_pct": 2.9, "online_cnp_fixed_usd": 0.3, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 1.5, "third_party_gateway_penalty_pct": 2.0, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "SHOPIFY-AWIN-60441", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.5, "cta_primary_text": "Audit Shopify 2.9%+$0.30 & 2.0% Gateway Penalty \u2192", "cta_table_text": "Audit Shopify Fees \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=60441&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fwww.shopify.com%2Fpricing", "pricing_source_url": "https://www.shopify.com/pricing", "last_verified": "2026-10-24", "best_for": "DTC ecommerce brands; B2B wholesale invoices face a 2.0% third-party gateway penalty on Basic unless routed via offline/external invoicing", "hidden_fee_notes": "2.9% + $0.30 on Basic ($39/mo); charges a 2.0% penalty on external payment gateways unless upgraded or invoiced externally." } ], "bySlug": { "gusto": { "id": "gusto", "slug": "gusto", "name": "Gusto", "plan_name": "Gusto Simple / Plus (2026)", "category": "payroll_hris", "base_monthly_usd": 49.0, "plus_base_monthly_usd": 80.0, "pepm_w2_usd": 6.0, "plus_pepm_w2_usd": 12.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 12.0, "multi_state_included_on_plus": true, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 1.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 500.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "GUSTO-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.85, "cta_primary_text": "Compare Gusto True TCO & Claim $500 Switch Credit \u2192", "cta_table_text": "Audit Gusto Plan \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-15739012?sid={clickref}&url=https%3A%2F%2Fgusto.com%2Fpricing", "pricing_source_url": "https://gusto.com/product/pricing", "last_verified": "2026-10-24", "best_for": "1\u201350 W-2 employees in 1\u20133 US states seeking zero W-2 year-end filing fees", "hidden_fee_notes": "Simple ($49+$6/pepm) covers 1 state; multi-state payroll requires Gusto Plus ($80+$12/pepm) or state tax registration add-on." }, "rippling": { "id": "rippling", "slug": "rippling", "name": "Rippling", "plan_name": "Rippling Workforce Platform + Payroll (2026)", "category": "payroll_hris", "base_monthly_usd": 50.0, "pepm_w2_usd": 16.0, "pepm_breakdown": { "platform_core_usd": 8.0, "payroll_module_usd": 8.0 }, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 15.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 2.0, "implementation_fee_usd": 150.0, "switching_credit_usd": 600.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "RIPPLING-CJ-2026", "cpa_payout_usd": 200.0, "epc_modeled_usd": 6.1, "cta_primary_text": "Calculate Rippling Bundle & Unlock 3 Months Free \u2192", "cta_table_text": "Check Rippling Quote \u2192", "affiliate_url_template": "https://www.dpbolvw.net/click-8108003-15810442?sid={clickref}&url=https%3A%2F%2Fwww.rippling.com%2Fpricing", "pricing_source_url": "https://www.rippling.com/pricing", "last_verified": "2026-10-24", "best_for": "15\u2013250 employees needing unified HRIS, IT device management, and automated multi-state SUI registration", "hidden_fee_notes": "Advertised '$8/user/mo' requires mandatory Rippling Unity Core ($8/user/mo) plus $50/mo base minimum ($16/PEPM effective starting floor)." }, "deel": { "id": "deel", "slug": "deel", "name": "Deel", "plan_name": "Deel US Payroll + Global Contractor / EOR (2026)", "category": "payroll_hris", "base_monthly_usd": 0.0, "pepm_w2_usd": 19.0, "contractor_1099_monthly_usd": 49.0, "us_domestic_1099_promo_usd": 19.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 1.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 750.0, "free_trial_days": 30, "affiliate_network": "AWIN", "publisher_account_id": "3133124", "advertiser_mid": "DEEL-AWIN-63110", "cpa_payout_usd": 250.0, "epc_modeled_usd": 7.4, "cta_primary_text": "Compare Deel All-State + EOR Rate ($750 Credit) \u2192", "cta_table_text": "Get Deel Rate \u2192", "affiliate_url_template": "https://www.awin1.com/cread.php?awinmid=63110&awinaffid=3133124&clickref={clickref}&ued=https%3A%2F%2Fwww.deel.com%2Fpricing", "pricing_source_url": "https://www.deel.com/pricing", "last_verified": "2026-10-24", "best_for": "Distributed teams with multi-state US W-2s + international contractors or EOR hires across 150+ countries", "hidden_fee_notes": "$0 base fee and all 50 US states included at $19/PEPM; watch 1.5%\u20132.5% cross-border FX spread on non-USD contractor payouts." }, "onpay": { "id": "onpay", "slug": "onpay", "name": "OnPay", "plan_name": "OnPay All-Inclusive Payroll (2026)", "category": "payroll_hris", "base_monthly_usd": 40.0, "pepm_w2_usd": 6.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 5.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 300.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "ONPAY-CJ-2026", "cpa_payout_usd": 100.0, "epc_modeled_usd": 3.6, "cta_primary_text": "Check OnPay Flat $40+$6 Multi-State Price \u2192", "cta_table_text": "Check OnPay Price \u2192", "affiliate_url_template": "https://www.jdoqocy.com/click-8108003-14029183?sid={clickref}&url=https%3A%2F%2Fonpay.com%2Fpricing", "pricing_source_url": "https://onpay.com/pricing", "last_verified": "2026-10-24", "best_for": "5\u2013100 US employees across multiple states seeking flat $40 + $6/person pricing with zero extra state filing surcharges", "hidden_fee_notes": "Unlimited multi-state filings included at $0 extra; $5/form W-2/1099 year-end delivery fee unless waived via partner promo." }, "adp": { "id": "adp", "slug": "adp", "name": "ADP RUN", "plan_name": "ADP RUN Complete Payroll & HR (2026)", "category": "payroll_hris", "base_monthly_usd": 79.0, "pepm_w2_usd": 10.0, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 35.0, "w2_1099_year_end_base_usd": 65.0, "w2_1099_year_end_per_form_usd": 6.5, "eor_monthly_per_employee_usd": 699.0, "eor_fx_spread_pct": 3.0, "implementation_fee_usd": 200.0, "switching_credit_usd": 250.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "ADP-CJ-2026", "cpa_payout_usd": 175.0, "epc_modeled_usd": 4.95, "cta_primary_text": "Audit ADP RUN Fee Schedule vs. Modern Alternatives \u2192", "cta_table_text": "Compare ADP Quote \u2192", "affiliate_url_template": "https://www.tkqlhce.com/click-8108003-13984110?sid={clickref}&url=https%3A%2F%2Fwww.adp.com%2Fwhat-we-offer%2Fproducts%2Frun-powered-by-adp.aspx", "pricing_source_url": "https://www.adp.com/what-we-offer/products/run-powered-by-adp.aspx", "last_verified": "2026-10-24", "best_for": "Legacy SMB benchmark; often carries $35/mo per extra state jurisdiction and $65+$6.50/W-2 year-end filing fees", "hidden_fee_notes": "Per-pay-run billing cycles (26 biweekly runs = 2 extra billing months/yr if not negotiated to monthly flat), $35/extra state/mo, and year-end W-2 package fees." }, "paychex": { "id": "paychex", "slug": "paychex", "name": "Paychex Flex", "plan_name": "Paychex Flex Select (2026)", "category": "payroll_hris", "base_monthly_usd": 69.0, "pepm_w2_usd": 9.0, "contractor_1099_monthly_usd": 7.0, "multi_state_fee_per_extra_state_monthly_usd": 30.0, "w2_1099_year_end_base_usd": 60.0, "w2_1099_year_end_per_form_usd": 6.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.8, "implementation_fee_usd": 150.0, "switching_credit_usd": 250.0, "free_trial_days": 0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "PAYCHEX-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 4.4, "cta_primary_text": "Audit Paychex Flex Year-End & Multi-State Fees \u2192", "cta_table_text": "Compare Paychex \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-14112098?sid={clickref}&url=https%3A%2F%2Fwww.paychex.com%2Fpayroll%2Fpricing", "pricing_source_url": "https://www.paychex.com/payroll/pricing", "last_verified": "2026-10-24", "best_for": "Traditional SMB payroll comparison; watch $30/extra state tax filing fee and January W-2/1099 delivery charges", "hidden_fee_notes": "Promotional 50% off for 6 months resets to full list + $60+$6/W-2 year-end tax form processing fee and $30/mo per extra state." }, "justworks": { "id": "justworks", "slug": "justworks", "name": "Justworks", "plan_name": "Justworks Payroll & PEO Basic (2026)", "category": "payroll_hris", "base_monthly_usd": 0.0, "pepm_w2_usd": 59.0, "pepm_tier_50_plus_usd": 49.0, "contractor_1099_monthly_usd": 8.0, "multi_state_fee_per_extra_state_monthly_usd": 0.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 599.0, "eor_fx_spread_pct": 2.0, "implementation_fee_usd": 0.0, "switching_credit_usd": 500.0, "free_trial_days": 0, "affiliate_network": "Rakuten", "publisher_account_id": "4767884", "advertiser_mid": "JUSTWORKS-RAK-54112", "cpa_payout_usd": 180.0, "epc_modeled_usd": 5.2, "cta_primary_text": "Compare Justworks PEO All-State SUI Pool \u2192", "cta_table_text": "Check Justworks PEO \u2192", "affiliate_url_template": "https://click.linksynergy.com/deeplink?id=4767884&mid=54112&u1={clickref}&murl=https%3A%2F%2Fwww.justworks.com%2Fpricing", "pricing_source_url": "https://www.justworks.com/pricing", "last_verified": "2026-10-24", "best_for": "10\u2013100 employee teams wanting full PEO master-policy benefits and multi-state compliance under Justworks' FEIN", "hidden_fee_notes": "Higher $59/PEPM base, and PEO co-employment restarts FUTA/SUI wage-base caps if switching mid-calendar-year (Q2\u2013Q4)." }, 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"https://quickbooks.intuit.com/payroll/pricing/", "last_verified": "2026-10-24", "best_for": "1\u201320 single-state US employees already using QuickBooks Online accounting", "hidden_fee_notes": "Core charges $12/mo per additional state filing; automated local/city tax filings require upgrading to Elite ($130/mo + $11/PEPM)." }, "helcim": { "id": "helcim", "slug": "helcim", "name": "Helcim", "plan_name": "Helcim Volume-Tiered Interchange-Plus (2026)", "category": "merchant_processing", "pricing_model": "interchange_plus", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.3, "card_present_fixed_usd": 0.08, "online_cnp_markup_pct": 0.4, "online_cnp_fixed_usd": 0.08, "volume_tiers": [ { "min_monthly_usd": 0, "max_monthly_usd": 25000, "cp_markup_pct": 0.3, "cnp_markup_pct": 0.4, "fixed_usd": 0.08 }, { "min_monthly_usd": 25001, "max_monthly_usd": 50000, "cp_markup_pct": 0.25, "cnp_markup_pct": 0.35, "fixed_usd": 0.07 }, { "min_monthly_usd": 50001, "max_monthly_usd": 100000, "cp_markup_pct": 0.2, "cnp_markup_pct": 0.25, "fixed_usd": 0.07 }, { "min_monthly_usd": 100001, "max_monthly_usd": 99999999, "cp_markup_pct": 0.15, "cnp_markup_pct": 0.2, "fixed_usd": 0.06 } ], "international_surcharge_pct": 0.5, "invoicing_surcharge_pct": 0.0, "b2b_level2_level3_supported": true, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "HELCIM-CJ-2026", "cpa_payout_usd": 150.0, "epc_modeled_usd": 5.45, "cta_primary_text": "Switch to Helcim IC+ ($0 Monthly Fee + Automatic Volume Discounts) \u2192", "cta_table_text": "Lock In Helcim IC+ \u2192", "affiliate_url_template": "https://www.anrdoezrs.net/click-8108003-15612990?sid={clickref}&url=https%3A%2F%2Fwww.helcim.com%2Fpricing%2F", "pricing_source_url": "https://www.helcim.com/pricing/", "last_verified": "2026-10-24", "best_for": "Merchants & B2B SaaS processing $15,000\u2013$120,000/mo wanting true Interchange-Plus with $0 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"https://www.dpbolvw.net/click-8108003-15548210?sid={clickref}&url=https%3A%2F%2Fstaxpayments.com%2Fpricing%2F", "pricing_source_url": "https://staxpayments.com/pricing/", "last_verified": "2026-10-24", "best_for": "High-volume businesses processing $40,000\u2013$500,000+/mo where 0% percentage markup saves $4,000\u2013$28,000/yr over Stripe/Square", "hidden_fee_notes": "$99/mo subscription up to $150k/yr ($199/mo up to $500k/yr); passes exact wholesale Visa/MC interchange with 0.00% percentage markup." }, "paymentcloud": { "id": "paymentcloud", "slug": "paymentcloud", "name": "PaymentCloud", "plan_name": "PaymentCloud B2B Level-3 & High-Ticket IC+ (2026)", "category": "merchant_processing", "pricing_model": "interchange_plus", "monthly_account_fee_usd": 15.0, "pci_compliance_monthly_usd": 0.0, "card_present_markup_pct": 0.25, "card_present_fixed_usd": 0.1, "online_cnp_markup_pct": 0.35, "online_cnp_fixed_usd": 0.15, "international_surcharge_pct": 0.6, "invoicing_surcharge_pct": 0.0, 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"last_verified": "2026-10-24", "best_for": "US merchants processing $15,000\u2013$100,000/mo with QuickBooks B2B invoicing integration", "hidden_fee_notes": "$0/mo under $10k volume, $49/mo IC+ tier for $10k\u2013$100k/mo at IC + 0.25% + $0.10." }, "stripe": { "id": "stripe", "slug": "stripe", "name": "Stripe", "plan_name": "Stripe Blended Flat-Rate Standard (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.7, "card_present_fixed_usd": 0.05, "online_cnp_flat_pct": 2.9, "online_cnp_fixed_usd": 0.3, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 1.0, "invoicing_surcharge_pct": 0.4, "recurring_billing_surcharge_pct": 0.5, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "Direct_Benchmark", "publisher_account_id": "RTPAIT-BENCHMARK", "advertiser_mid": "STRIPE-BENCHMARK", "cpa_payout_usd": 0.0, 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"slug": "paypal", "name": "PayPal Commercial / Braintree", "plan_name": "PayPal Checkout & Invoicing Blended (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 0.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.29, "card_present_fixed_usd": 0.09, "online_cnp_flat_pct": 2.99, "online_cnp_fixed_usd": 0.49, "paypal_wallet_invoicing_pct": 3.49, "paypal_wallet_fixed_usd": 0.49, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 3.0, "invoicing_surcharge_pct": 0.5, "b2b_level2_level3_supported": false, "early_termination_fee_usd": 0.0, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "PAYPAL-CJ-2026", "cpa_payout_usd": 75.0, "epc_modeled_usd": 2.4, "cta_primary_text": "Audit PayPal 3.49%+$0.49 Invoicing Markup \u2192", "cta_table_text": "Audit PayPal Fees \u2192", "affiliate_url_template": "https://www.tkqlhce.com/click-8108003-13711904?sid={clickref}&url=https%3A%2F%2Fwww.paypal.com%2Fus%2Fwebapps%2Fmpp%2Fmerchant-fees", "pricing_source_url": "https://www.paypal.com/us/webapps/mpp/merchant-fees", "last_verified": "2026-10-24", "best_for": "Secondary consumer checkout button; highest B2B invoicing cost at 3.49% + $0.49 per invoice", "hidden_fee_notes": "PayPal digital wallet & invoicing charges 3.49% + $0.49 plus 1.50% cross-border and 3.0%\u20134.0% currency conversion spread." }, "shopify-payments": { "id": "shopify_payments", "slug": "shopify-payments", "name": "Shopify Payments", "plan_name": "Shopify Basic / Grow Payments (2026)", "category": "merchant_processing", "pricing_model": "flat_rate", "monthly_account_fee_usd": 39.0, "pci_compliance_monthly_usd": 0.0, "card_present_flat_pct": 2.7, "card_present_fixed_usd": 0.0, "online_cnp_flat_pct": 2.9, "online_cnp_fixed_usd": 0.3, "international_surcharge_pct": 1.5, "fx_conversion_surcharge_pct": 1.5, 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"quickbooks_payroll", "slug": "quickbooks-payroll", "name": "QuickBooks Payroll", "plan_name": "QuickBooks Online Payroll Core (2026)", "category": "payroll_hris", "base_monthly_usd": 50.0, "pepm_w2_usd": 6.0, "contractor_1099_monthly_usd": 6.0, "multi_state_fee_per_extra_state_monthly_usd": 12.0, "w2_1099_year_end_base_usd": 0.0, "w2_1099_year_end_per_form_usd": 0.0, "eor_monthly_per_employee_usd": 650.0, "eor_fx_spread_pct": 2.5, "implementation_fee_usd": 0.0, "switching_credit_usd": 200.0, "free_trial_days": 30, "affiliate_network": "CJ", "publisher_account_id": "8108003", "advertiser_mid": "QBO-CJ-2026", "cpa_payout_usd": 110.0, "epc_modeled_usd": 3.85, "cta_primary_text": "Check QuickBooks Payroll Ledger Bundle \u2192", "cta_table_text": "Check QBO Payroll \u2192", "affiliate_url_template": "https://www.dpbolvw.net/click-8108003-13871002?sid={clickref}&url=https%3A%2F%2Fquickbooks.intuit.com%2Fpayroll%2Fpricing%2F", "pricing_source_url": 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