Comparison

Paysign® vs Gusto Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Paysign®

Manage your funds and track transactions on your card from anywhere. View your balance, review recent activity, get account alerts, and locate surcharge-free ATMs. It's a secure and convenient way to handle your finances on the go.

Highlights
  • View account balance
  • Track transaction history
  • Receive account alerts
  • Locate surcharge-free ATMs
  • Use card anywhere Visa Debit is accepted
Read full description

Manage your money and transactions on your Paysign® card wherever you go. View your balance, your recent transaction history, receive account alerts, and find nearby surcharge-free ATM all from the Paysign® app. It's free, secure and makes it easy to manage your funds on the go. Use your card everywhere Visa Debit cards are accepted - in stores, online or over the phone. If you have questions regarding your Paysign® card call us using the 24/7 customer service number located on the back of your card.

About

Gusto Mobile

This app simplifies payroll, time tracking, and employee management for small businesses. It offers features for both employers to run payroll and manage their team, and for employees to access paychecks, track time, and manage benefits on the go.

Highlights
  • Run payroll on the go
  • Review and approve team hours
  • Manage employee information
  • Onboard new employees
  • Access paychecks and early pay
  • Track hours and request time off
Features
Currently charting
Read full description

Gusto simplifies payroll, paycheck management, time tracking, expense reimbursement, and savings for small businesses—making it easier to manage tasks on the go with powerful tools for employers, employees, and contractors. For business owners and payroll administrators: Payroll: Easily run regular or off-cycle payroll on the go. Time: Review and approve your team's hours and time off. Team: View and manage critical team information in one place. Onboarding: Add and onboard team members directly from the app. Notifications: Set up notifications and permissions to suit your business. Expenses: Review and approve expense reimbursements on the go.³ For employees: Paychecks: Easily manage paychecks and route money to different bank accounts. Early Pay: Receive paychecks up to 2 days early¹ and access advances between paydays with Gusto Wallet.² Benefits: Manage your benefits or sign up for special offers. Documents: Access and sign important documents. Time: Track your hours and request time off. Expenses: Snap receipts and submit expenses from anywhere. For US contractors: Pay: View payment history, download pay statements, and route money to different bank accounts. Time: Clock in and out, review tracked hours, make updates as needed, and check schedules. Scheduling: View personal and team schedules, and update availability. Documents: Access and sign important documents. ¹ With a Gusto spending account, your payment may be processed up to 2 days early. Timing depends on when your employer submits the payment file. The Gusto Spending account is issued by nbkc bank, Member FDIC. Gusto is a payroll services company, not a bank. Banking services provided by nbkc bank, Member FDIC. ² All Advances are originated by Pathward®, N.A. All Advances are subject to eligibility criteria and application review. Per pay period advance amounts may vary and are based on factors including repayment history. Terms and conditions apply. On-Demand Pay provided by Clair. Clair is a financial services company, not a bank. ³ Available with Gusto Plus and Gusto Premium only

Screenshots

Paysign®4 screens
Gusto Mobile4 screens

Verdict

The call

The clearest difference is rating: Gusto Mobile at 4.8 against Paysign®'s 1.6. Gusto Mobile also leads on review sentiment (35% vs 3%) and update cadence (weekly vs every 2 months). Paysign®'s advantage is monetization model (free vs free with in-app purchases) and device support (3 vs 1). On price, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Gusto Mobile holds the better App Store score, 4.8 against 1.6. That said, the two scores are not equally well evidenced: Gusto Mobile has 52K ratings behind it against 520, so its average is the more settled of the two. Written reviews point the same way: 3% of Paysign®'s written reviews are positive against 35% of Gusto Mobile's.

UpkeepUpdate frequency

Paysign® ships an update every 2 months, Gusto Mobile weekly. The most recent releases landed on October 19, 2026 and October 21, 2026 respectively.

Scorecard8 real differences · 3 level
Paysign® versus Gusto Mobile: the parameters behind the verdict, then further details
ParameterPaysign®Gusto Mobile
PriceFreeFree
Rating1.6 (520 ratings)4.8 (52K ratings) — better
Positive reviews3.1% of reviews35.4% of reviews — better
Number of ratings52052K — better
Update frequencyEvery 2 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank—#68 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.2 — better17.0
Further details — not scored
Size65 MB252 MB
Age rating4+4+
DeveloperPaysign, Inc.Gusto, inc.

Customer experience

Paysign®

All ratings520 ratings
Positive13.1%
Neutral3.3%
Negative83.7%
Written reviews389 reviews
Positive3.1%
Neutral1.8%
Negative95.1%

Gusto Mobile

All ratings51,939 ratings
Positive95.5%
Neutral1.4%
Negative3.0%
Written reviews477 reviews
Positive35.4%
Neutral8.2%
Negative56.4%

User reviews

Paysign®

From 520 App Store ratings

What we love

  • 🚀 Great ATM selection
  • 👍 Straightforward app

Room to improve

  • 🐛 App crashes frequently
  • 💰 Excessive fees
  • 🔒 Security issues
  • 👎 Poor customer service
  • 🤯 Confusing user experience

Gusto Mobile

From 52K App Store ratings

What we love

  • 💰 Wage advances and budgeting tools
  • 🕰️ Early pay feature
  • 📊 Helpful tracking and statistics
  • 👍 User-friendly and efficient
  • 🔒 Secure and trustworthy

Room to improve

  • 🐛 Frequent app crashes and glitches
  • ⏱️ Slow load times and app performance issues
  • 🔒 Difficulty accessing and managing accounts
  • 🔍 Unclear policies and lack of transparency
  • ❌ Poor customer service and unresponsive support

Bugs and requests

Paysign®

Reported bugs

3 issues
  • Login issues
  • Inability to register or unlock card
  • Incorrect balance display

Requested features

3 requests
  • Ability to transfer funds to other accounts
  • Improved app stability and performance
  • More transparent fee structure

Gusto Mobile

Reported bugs

5 issues
  • Login screen freezes and issues
  • Inconsistent paycheck arrival times
  • Debit card delivery delays and malfunctions
  • Inability to update contact information
  • Syncing issues between app and web platform

Requested features

5 requests
  • Ability to easily update direct deposit split
  • Mobile time tracking and clocking in/out
  • Improved geofencing and location accuracy
  • Integration with other financial apps and services
  • Streamlined onboarding and account management

In-app purchases

None

Paysign®

No in-app purchases

None

Gusto Mobile

No in-app purchases

Questions

Is Paysign® free?
Paysign® is free to download, with no in-app purchases.
Is Gusto Mobile free?
Gusto Mobile is free to download, with no in-app purchases.
Which has better reviews, Paysign® or Gusto Mobile?
Gusto Mobile is rated higher. Paysign® averages 1.6 out of 5 from 520 ratings, while Gusto Mobile averages 4.8 from 52K ratings.
Do Paysign® or Gusto Mobile have ads?
Neither Paysign® nor Gusto Mobile shows ads.
Which is updated more often, Paysign® or Gusto Mobile?
Paysign® ships an update every 2 months, and Gusto Mobile weekly. Most recently, Paysign® was updated on October 19, 2026 and Gusto Mobile on October 21, 2026.

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