Best payroll for 1099 contractors, by real price

Paying only 1099 contractors, no W-2 employees: published prices from Square, QuickBooks Contractor Payments and current Gusto plans. Gusto’s old Contractor Only plan is shown as legacy.

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The short answer

Prices are regular monthly list prices from each vendor’s own pages. This page does not rank full-service W-2 payroll against contractor-only plans.

Current options, priced by contractor count

Open to new customers. QuickBooks includes 20 contractors in the base fee; Square and Gusto bill per person paid. Regular monthly prices:

Contractors paidSquare Contractor-only payrollQuickBooks Contractor PaymentsGusto Simple
1 person$6/mo$25/moIncludes 20 contractors$55/moCurrent Gusto plan (contractors billed at the plan per-person rate)
5 people$30/mo$25/moIncludes 20 contractors$79/moCurrent Gusto plan (contractors billed at the plan per-person rate)
10 people$60/mo$25/moIncludes 20 contractors$109/moCurrent Gusto plan (contractors billed at the plan per-person rate)
20 people$120/mo$25/moIncludes 20 contractors$169/moCurrent Gusto plan (contractors billed at the plan per-person rate)
25 people$150/mo$35/moIncludes 20 contractors; +$2 × 5 extra$199/moCurrent Gusto plan (contractors billed at the plan per-person rate)

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Intro offers

Gusto Contractor Only (legacy, closed 2026-10-01)

Shown for existing customers and for context. New signups are not accepted. Regular price was $35/mo + $6/person.

Contractors paidGusto Contractor Only (legacy)
1 person$41/moClosed to new customers since 2026-10-01
5 people$65/moClosed to new customers since 2026-10-01
10 people$95/moClosed to new customers since 2026-10-01
20 people$155/moClosed to new customers since 2026-10-01
25 people$185/moClosed to new customers since 2026-10-01

How these are priced

1099 contractor payroll questions

Is Gusto Contractor Only still available?

No for new customers. Gusto closed it on 2026-10-01. Companies already on it keep $35/mo + $6/person, charged only in months a contractor is paid. Paying W-2 employees means moving to Simple, Plus or Premium, with no return. Source: Gusto Help Center, checked 2026-10-19.

What does QuickBooks Contractor Payments cost?

$25/mo + $2/person: the base includes 20 contractors, then +$2 per additional contractor. Intro offer: $12.50/mo + $2/contractor (per-contractor fee not discounted) for 3 months. It handles contractor payments and 1099 e-filing; it does not file employee payroll taxes. Source: QuickBooks contractor-payments page, checked 2026-10-19.

What does Square charge for contractors only?

$6/person/mo, no base fee (Doesn’t file taxes). No base fee; $6 per person paid that month. Source: Square, checked 2026-10-17.

Can I pay only 1099 contractors on a regular Gusto plan?

Yes. Current Gusto plans bill US contractors at the plan per-person rate (Simple $6/person) only in months they are paid, on top of the plan base ($49/mo for Simple). That is more than the old Contractor Only plan. Per active person per month on top of base; US contractors billed at the per-person rate only in months they are paid

Do these plans file my payroll taxes?

No for Square Contractor-only and QuickBooks Contractor Payments: contractors pay self-employment tax. If you also have W-2 employees, use a full-service payroll plan (see payroll for contractors and trades or cheapest payroll service).

Square Payroll pricing · QuickBooks Payroll pricing · Gusto pricing · Best payroll for contractors and trades · Best payroll for one employee · Payroll price tracker

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