Eddy vs Paycor (2026): which should you pick?

Pick Eddy if

• Fits if you run a small US team and want HR and payroll in one place
• Makes sense if you want time off and records handled alongside payroll

Look elsewhere if

• Pricey if you add payroll, as it is on top of the HR base fee and per-person charge
• Not for you if you pay staff outside the US, as payroll is US only
• Watch out: the hiring tool is another add-on at $199 a month
• Watch out: next-day pay costs extra, and support runs on limited live hours
• Skip it if you need to know the trial length first, as it is not stated

Pick Paycor if

• Fits if you have under 50 employees and want to see a price before calling sales
• Works for hourly staff who want to draw some of their pay before payday

Look elsewhere if

• Pricey if you're small, at $124 a month for five against $79 at Gusto or OnPay
• Skip it if you need onboarding on the lowest plan, as it starts on Essential
• Not for you if you have 50 or more staff and want a published price, as those go to sales
• Watch out: time tracking, scheduling, benefits administration and recruiting cost extra on every bundle
• Watch out: setup fees of $59 to $199 are shown as waived, and the sign-up step shows lower per-employee charges than the table

Eddy

• Payroll is a separate add-on at $50 per month plus $6 per person, charged on top of the $50 or $75 HR base fee and its per-person charge.
• Payroll is available in the US only.
• The hiring tool is another add-on at $199 per month.
• Next-day pay costs extra, and phone, chat and email support run on limited live hours.

Paycor

• Runs US payroll across all 50 states; payroll in other countries comes through partner apps in Paycor's marketplace.
• Prices are published only for businesses under 50 employees; larger ones get a quote from sales.
• The same page lists setup fees of $59 to $199, shown as waived, and a sign-up step with lower per-employee charges than the main table.
• Time tracking, scheduling, benefits administration and recruiting cost extra on top of the bundles.

Eddy

Full-service payroll

Unlimited payrolls per month, including bonus and off-cycle runs, with direct deposit and automatic federal, state and local tax filing and payment.

Year-end forms

Builds digital W-2s for employees and 1099s for contractors, and files forms such as 940, 941 and 8974.

Time tracking and time off

Clock in and out from the web or the mobile app, with overtime rules, geo-tagging, a tablet kiosk app, PTO policies and a who's-out calendar.

Employee records and documents

A single employee database with e-signature documents, W-4 and W-9 collection, new-hire task lists and training or license tracking.

Hiring add-on

Posts jobs to a career page and major job boards, with candidate messaging, hiring team reminders and offer letters.

Paycor

Payroll and tax filing

Paycor calculates pay, files federal and state payroll taxes and handles W-2 and 1099 processing, with no limit on payroll runs a month.

Compliance alerts

A compliance dashboard flags missing or invalid tax IDs, address problems and direct deposit discrepancies before payroll runs.

OnDemand Pay

Employees can draw up to 50% of the wages they have earned before payday, or be paid onto the Paycor Visa card.

Onboarding and E-Verify

From Essential, new hires fill in forms, I-9s and tax documents online before their first day and sign documents electronically.

Paycor Mobile

Employees view pay stubs and tax forms, request time off, check schedules and enroll in benefits from the iPhone and Android app.

Add-on modules

Time and scheduling, benefits administration, recruiting and workers' compensation can be added to any small business bundle.

Eddy

• Starter$50

  per month, plus $4 per person

  Core HR: records, document storage (up to 50 documents), onboarding, time tracking, time off and basic reporting. Payroll is not included.

• Growth$75

  per month, plus $8 per person

  Everything in Starter, plus training tracking, custom signature documents, onboarding templates, custom data fields, an org chart and manager approval flows.

• PremiumCustom

  Everything in Growth, plus Eddy Payroll, hiring, premium support and a dedicated support representative. Priced by quote.

• Payroll add-on$50

  per month, plus $6 per person

  Unlimited payrolls, 2-day or 4-day direct deposit, quarterly and annual tax filings, and W-2 and 1099-NEC preparation. Added on top of a base HR plan.

Paycor

• Basic$99

  per month, plus $5 per employee

  Payroll with federal and state tax filing, direct deposit, new hire filing, employee self-service, standard reports and OnDemand Pay.

• Essential$149

  per month, plus $7 per employee

  Adds onboarding and E-Verify, the HR Support Center, time-off tracking and labor law posters. The page's sign-up step shows $6 per employee.

• Core$199

  per month, plus $8 per employee

  Shown as COR. Adds on-demand HR advice, Paycor Analytics, 401(k) integrations and wage garnishment payments. The sign-up step shows $7 per employee.

• CompleteCustom

  Adds Paycor HR, career management, compensation planning and talent development. No price in the main table; the sign-up step shows $199 plus $12 per employee.

Eddy

No public discounts listed.

Paycor

• Other savings

  50% off for the first 6 months

  Paycor's small business pricing page offers new customers 50% off for 6 months as a limited-time offer, with some restrictions. Other parts of the page advertise free months of payroll instead.