Comparison

ShinePay 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

ShinePay

Easily pay for laundry, EV charging, and other appliances directly from your smartphone. This app simplifies the process of using shared amenities, offering a convenient and modern payment solution.

Highlights
  • Pay for laundry machines
  • Pay for EV chargers
  • Appliance payment
  • Smartphone payment
Features
Read full description

ShinePay allows you to pay for laundry, EV Charger, and other appliances with an app.

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

ShinePay3 screens
Gusto Mobile4 screens

Verdict

The call

The clearest difference is monetization model: ShinePay at free against Gusto Mobile's free with in-app purchases. ShinePay also leads on review sentiment (44% vs 35%) and device support (3 vs 1). Gusto Mobile's advantage is update cadence (weekly vs every 3 weeks) and rating (4.8 vs 4.6). 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 4.6. Both are backed by a comparable volume of ratings — 15K and 52K respectively. Written reviews complicate that: 44% of ShinePay's written reviews are positive against 35% of Gusto Mobile's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

ShinePay ships an update every 3 weeks, Gusto Mobile weekly. The most recent releases landed on October 19, 2026 and October 20, 2026 respectively.

Scorecard8 real differences · 3 level
ShinePay versus Gusto Mobile: the parameters behind the verdict, then further details
ParameterShinePayGusto Mobile
PriceFreeFree
Rating4.6 (15K ratings)4.8 (52K ratings) — better
Positive reviews44.0% of reviews — better35.4% of reviews
Number of ratings15K52K — better
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank—#73 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size39 MB252 MB
Age rating4+4+
DeveloperTHE HARVEST COLLECTIVE LLCGusto, inc.

Customer experience

ShinePay

All ratings14,637 ratings
Positive91.2%
Neutral2.1%
Negative6.8%
Written reviews507 reviews
Positive44.0%
Neutral5.7%
Negative50.3%

Gusto Mobile

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

User reviews

ShinePay

From 15K App Store ratings

What we love

  • 🚀 Convenient and easy to use
  • 🔒 Secure payment method
  • 👍 Eliminates need for quarters
  • 💡 Allows pre-loading of funds

Room to improve

  • 💰 Excessive fees and charges
  • 🐛 Unreliable and buggy app
  • 🔒 Lack of refund options
  • 🤔 Increased laundry costs

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

ShinePay

Reported bugs

4 issues
  • Login/sign-up issues due to keyboard
  • Funds not transferring properly
  • Machines not recognized by app
  • Inability to delete account

Requested features

4 requests
  • Ability to pay exact amounts
  • Notifications when laundry is done
  • Integration with bank accounts
  • Machine availability/reservation

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

ShinePay

No in-app purchases

None

Gusto Mobile

No in-app purchases

Questions

Is ShinePay free?
ShinePay 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, ShinePay or Gusto Mobile?
Gusto Mobile is rated higher. ShinePay averages 4.6 out of 5 from 15K ratings, while Gusto Mobile averages 4.8 from 52K ratings.
Do ShinePay or Gusto Mobile have ads?
Neither ShinePay nor Gusto Mobile shows ads.
Which is updated more often, ShinePay or Gusto Mobile?
ShinePay ships an update every 3 weeks, and Gusto Mobile weekly. Most recently, ShinePay was updated on October 19, 2026 and Gusto Mobile on October 20, 2026.

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