I would NOT recommend using Gusto if you are a small business owner in need of payroll services. My experience as a new user has been awful. My employees complained at length about the extensive number of questions they were asked during onboarding (which took them 2 hrs on average to complete). Those who did not click their registration link until they had time for it found that it was no longer valid and they were unable to get a new link. But the worst part was after we finally did all that and got everything ready for our first payroll run (I completed the steps WITH a customer care representative on the phone with me to ensure I did it correctly) and I was told we were successful (I even printed out pay stubs for my team), the next morning (Pay Day) I awoke to find the payroll funds HAD been debited from my bank account but all of the sudden Gusto platforms stated that I had NUMEROUS additional documents that needed to be submitted prior to the first run and consequently first run would not take place for 5 days. Now keep in mind I had been working on this first run every day for weeks to make sure we got it right. At no time were any additional documents requested UNTIL the morning of our first payroll run. What?! So I had to tell my team that (right at the height of Christmas shopping season), for the first time in our 4 year history, they would not be paid until almost a week late and since Gusto already had my payroll funds I couldn't even cancel payroll and pay them myself through our previous system. My team is like my family; imagine how it felt for me to have to tell them that when I know many of them put that money directly into buying groceries for their kids and paying for transportation to & from work. I then spent the entire rest of the day trying in vain to get someone from Gusto to help me or at least explain what happened. AWFUL COMPANY. Don't make the same mistake I did!