Gusto Alternatives for International Teams in 2026: 7 Options Compared

Short answer: Gusto is built for US payroll, so the best Gusto alternative for an international team is one that can employ and pay people abroad. Toku is the best fit when you want employer of record, contractor payments and stablecoin payouts in one place, and it can sit next to Gusto rather than replace it. Deel and Remote are full global HR platforms, Rippling adds HR and IT, Oyster and Multiplier publish simple EOR prices, and Rise suits crypto-native teams.

Gusto is one of the most popular payroll, benefits and HR platforms for US small businesses. Its international options are narrower: it pays contractors outside the US for a per-payment fee, including USDC to a wallet for eligible contractors, and it sends non-US employees to its partner Remote. Companies look for Gusto alternatives when their team grows outside the US and they want employees abroad, more payout options or one system for every country.

This guide compares seven alternatives for international teams against Gusto on employer of record coverage, published prices, contractor payouts and stablecoin support.

Gusto alternatives compared

Figures are each provider’s own published information as of November 2026. The source for every figure is linked in that provider’s section below. “Not published” means we could not find the figure on the provider’s public pages, not that the provider lacks it.

Gusto at a glance

Gusto positions itself as payroll, benefits and HR for small and medium-sized businesses (source: Gusto pricing).

• EOR countries: Gusto does not employ people abroad itself; non-US employees are hired through its EOR partner Remote, and since May 1, 2026 new customers onboard directly with Remote (source: Gusto help: hire non-US employees with Remote, checked November 10, 2026).
• Own entities or partners: For Gusto customers’ non-US employees, Remote, not Gusto, is the legal employer of record (source: Gusto help: EOR powered by Remote, checked November 10, 2026).
• EOR price: Customers on Gusto’s built-in EOR powered by Remote, from before May 1, 2026, pay from $599 per employee per month (source: Gusto help: EOR powered by Remote, checked November 10, 2026).
• Contractor price: International contractor payments have no monthly per-contractor fee, only a per-payment fee (source: Gusto pricing, checked November 10, 2026).
• Payout coverage: Global contractor payments cover contractors in more than 120 countries (source: Gusto pricing, checked November 10, 2026).
• Payment fees: Non-US contractor payments cost $5 to a US bank account, 1.5% to 2% to a local bank in local currency, 0.75% to 1.5% to a local bank in USD and 1.5% to an eligible digital wallet (source: Gusto help: pay non-US contractors, checked November 10, 2026).
• Payout options: Non-US contractors can be paid to a local bank account, a US bank account, an eligible Wise account or an eligible crypto wallet in USDC (source: Gusto help: pay non-US contractors, checked November 10, 2026).
• Stablecoin payouts: Eligible non-US contractors can be paid in USDC to a crypto wallet for a 1.5% fee paid by the company; not employees, and not for companies in New York (source: Gusto help: pay non-US contractors, checked November 10, 2026).
• Also: US payroll plans start at $49 per month plus $6 per person (Simple) (source: Gusto Simple plan, checked November 10, 2026).
• Also: A company must have a US-based employee before paying non-US contractors (source: Gusto help: pay non-US contractors, checked November 10, 2026).

For a head-to-head view, read Toku vs Gusto.

The 7 best Gusto alternatives in 2026

1. Toku: best for adding global hiring and stablecoin payouts next to US payroll

Toku covers what Gusto does not: employer of record hiring in 100+ countries and contractor management with payouts in USDC, USDT or local currency. Employee salary is valued and withheld in local currency, with an opt-in to receive net pay in USDC where local rules allow.

You do not have to leave Gusto. Toku documents an integration with Gusto for stablecoin payroll, so US employees can stay on Gusto while Toku employs and pays people abroad. See Toku vs Gusto and how Toku brings stablecoin payroll to Gusto.

• EOR countries: Employer of record, contractor management and agent of record in 100+ countries; whether Toku supports a specific hire is confirmed before an offer (source: Toku pricing, checked November 10, 2026).
• EOR price: List price of $599 per employee per month, service fee only; salary, employer contributions and benefits are additional (source: Toku pricing, checked November 10, 2026).
• Contractor price: Contractor management list price of $19 per contractor per month; your company manages the contractors directly (source: Toku pricing, checked November 10, 2026).
• Payout options: Local currency or stablecoins, with payout choices configured by worker, country or entity and each payment matched to its payroll record (source: Toku stablecoin payroll, checked November 10, 2026).
• Stablecoin payouts: Employee salary is valued and withheld in local currency, and employees can opt in to receive net pay in USDC where the country’s rules allow it. Contractors can be paid in USDC, USDT or local currency (source: Toku stablecoin payroll, checked November 10, 2026).
• Also: Contractors can be paid in USDC, USDT or local currency (source: Toku contractor management, checked November 10, 2026).

Watch out: Toku does not run US benefits administration like Gusto, so US-only teams may not need it.

2. Deel: best for one platform for every country, including the US

Deel runs EOR in 150+ countries, contractor payments, global payroll and HR software, so a growing team can put US and international workers in one system.

• EOR countries: Deel says its EOR handles contracts, minimum wage, terminations and local laws in 150+ countries (source: Deel employer of record, checked November 10, 2026).
• EOR price: EOR starts at $599 per employee per month, with month-to-month terms (source: Deel pricing, checked November 10, 2026).
• Contractor price: Contractor management starts at $49 per contractor per month, and Contractor of Record at $325 (source: Deel pricing, checked November 10, 2026).
• Payout options: Contractors can withdraw through 10+ methods, including local bank transfer, SWIFT, e-wallets, Coinbase, BVNK and the Deel Card; availability varies by country (source: Deel contractor withdrawal options, checked November 10, 2026).
• Stablecoin payouts: Contractors can withdraw USDC or USDT through BVNK and crypto through Coinbase. Deel launched stablecoin salary payouts for EOR and global payroll employees in the US and the Eurozone, for a portion of net salary (source: Deel stablecoin salary payouts, checked November 10, 2026).
• Also: Contractor stablecoin withdrawals run through BVNK (USDC, USDT) and Coinbase (source: Deel contractor withdrawal options, checked November 10, 2026).
• Also: Deel says it is trusted by 40,000+ companies (source: Deel pricing, checked November 10, 2026).

Watch out: Its contractor price is $49 per contractor per month, while Gusto charges per payment.

Compare in detail: Toku vs Deel.

3. Remote: best for gusto users who want to stay with Gusto’s EOR partner

Remote is already the employer of record behind Gusto’s international employees, so moving to Remote directly keeps the same employer while adding its contractor management and global payroll.

• EOR countries: Remote offers its employer of record in 90+ countries (source: Remote employer of record, checked November 10, 2026).
• EOR price: EOR starts at $599 per employee per month on annual contracts (source: Remote pricing, checked November 10, 2026).
• Contractor price: Contractor management starts at $29 per active contractor per month; Contractor of Record starts at $325 (source: Remote pricing, checked November 10, 2026).
• Payout options: Contractor payouts go out in local currency, stablecoin or digital wallet (source: Remote contractor management, checked November 10, 2026).
• Stablecoin payouts: Contractors can receive USDC through Stripe if their company is billed in USD and they live in a supported country; Remote’s help center describes this for contractors, not EOR employees (source: Remote help center: contractor stablecoin payouts, checked November 10, 2026).
• Also: No standard deposit, though a refundable reserve may be required in some cases (source: Remote pricing, checked November 10, 2026).

Watch out: Remote’s EOR covers 90+ countries.

Compare in detail: Toku vs Remote.

4. Rippling: best for replacing Gusto with one HR, IT and payroll system

Rippling replaces Gusto for US payroll and HR and adds EOR in 115 countries, contractor payments in 180+ countries and IT management in one system.

• EOR countries: Rippling says its EOR handles legal, compliance and payroll in 115 countries (source: Rippling employer of record, checked November 10, 2026).
• EOR price: Rippling does not publish an EOR price; it sends a custom quote (source: Rippling pricing, checked November 10, 2026).
• Contractor price: Pricing depends on the products chosen and headcount; plans start at $8 per employee per month plus a monthly base fee (source: Rippling pricing, checked November 10, 2026).
• Payout options: Contractors choose from 15+ payout options, including Wise, Revolut, instant transfers, stablecoin and debit card (source: Rippling global contractors, checked November 10, 2026).
• Stablecoin payouts: Rippling lists stablecoin among its contractor payout options without naming the coin or eligibility; no employee stablecoin option is described (source: Rippling global contractors, checked November 10, 2026).
• Also: Eligible US VC-backed startups get 6 months of free access through Rippling’s startup program (source: Rippling pricing, checked November 10, 2026).

Watch out: Rippling prices EOR and contractors by quote.

Compare in detail: Toku vs Rippling.

5. Oyster: best for month-to-month EOR with no minimums

Oyster publishes month-to-month EOR and contractor prices, has no minimum team size and lists EOR fee savings for startups.

• EOR countries: Oyster’s EOR offers compliant employment in 120+ countries (source: Oyster pricing, checked November 10, 2026).
• EOR price: EOR is USD 699 per employee per month on month-to-month terms; annual plans are priced by quote (source: Oyster pricing, checked November 10, 2026).
• Contractor price: Global Contractors is free for 30 days, then USD 29 per contractor per month (source: Oyster pricing, checked November 10, 2026).
• Payout options: Contractors are paid to a bank account in the currency they choose, and EOR employees in local currency (source: Oyster help center: contractor payment methods, checked November 10, 2026).
• Stablecoin payouts: We found no stablecoin payout on Oyster’s public pages; its help center lists bank-account payouts for contractors (source: Oyster help center: contractor payment methods, checked November 10, 2026).
• Also: A refundable deposit is required for EOR team members; no setup, onboarding or termination fees and no minimum team size (source: Oyster pricing, checked November 10, 2026).
• Also: Discounts for nonprofits and B Corps, and up to $1,200 in EOR fee savings for startups (source: Oyster pricing, checked November 10, 2026).

Watch out: We found no stablecoin payouts on Oyster’s public pages.

Compare in detail: Toku vs Oyster.

6. Multiplier: best for a lower EOR price on owned entities

Multiplier publishes EOR from $459 on annual contracts, says it employs only through owned entities and pays contractors in USDC or USDT.

• EOR countries: Multiplier’s homepage says its EOR covers 150+ countries; its pricing and EOR pages say 160+, so we print the lower figure (source: Multiplier, checked November 10, 2026).
• EOR price: EOR Core starts at $499 per employee per month on monthly contracts and $459 on annual contracts, plus a $6 background check and add-ons where applicable (source: Multiplier pricing, checked November 10, 2026).
• Contractor price: Contractors cost $49 per contractor per month billed monthly, or $40 billed annually; Contractor of Record starts at $400 (source: Multiplier pricing, checked November 10, 2026).
• Payout options: Contractors can choose bank transfer, crypto, PayPal or Payoneer (source: Multiplier contractor management, checked November 10, 2026).
• Stablecoin payouts: Contractors can take payouts in USDC or USDT on Ethereum or Tron, straight to their own wallets (source: Multiplier: pay a contractor in USDT, checked November 10, 2026).
• Also: No minimum headcount; about 11% of supported countries have adjusted EOR pricing (source: Multiplier pricing, checked November 10, 2026).

7. Rise: best for crypto-native startups paying in stablecoins

Rise pays employees and contractors in USDC, USDT or local currency, runs US payroll and publishes an EOR price of $399 per employee per month.

• EOR countries: Rise says it hires full-time employees in 90+ countries (source: Rise employer of record, checked November 10, 2026).
• EOR price: Employer of record is $399 per employee per month (source: Rise pricing, checked November 10, 2026).
• Contractor price: The global contractor plan is $49 per contractor per month; Agent of Record is $299 (source: Rise pricing, checked November 10, 2026).
• Payout options: Workers choose to withdraw in local currency, stablecoin or other crypto, and can split a paycheck across them (source: Rise, checked November 10, 2026).
• Stablecoin payouts: Rise pays employees and contractors in USDC and USDT on Arbitrum One, and companies can fund payroll in US dollars or USDC/USDT (source: Rise stablecoin payroll, checked November 10, 2026).
• Also: Rise Works entities are registered with FinCEN as US money services businesses (source: Rise stablecoin payroll, checked November 10, 2026).
• Also: Direct US payroll starts at $49, with same-day paychecks in all 50 states (source: Rise pricing, checked November 10, 2026).

Watch out: Rise’s EOR covers 90+ countries.

Compare in detail: Toku vs Rise.

What Gusto covers outside the US

Gusto pays non-US contractors in 120+ countries with no monthly per-contractor fee: $5 to a US bank account, 1.5% to 2% to a local bank in local currency, and 1.5% to an eligible USDC wallet. A company must have a US-based employee before it can pay non-US contractors. For employees abroad, Gusto relies on Remote as the employer of record.

That works for a US company with a handful of contractors abroad. Once you need employees in other countries, stablecoin pay for employees, or one view of every worker, an international provider fits better.

Keep Gusto for US payroll, add international

Replacing Gusto is not the only option. Keep Gusto for US payroll and benefits, and add an employer of record and contractor payment provider for everyone else. Toku works this way: it employs people abroad, pays contractors in stablecoins or local currency, and connects to Gusto for stablecoin payroll. The stablecoin payroll savings calculator estimates what stablecoin payouts save against bank transfers.

Compare Toku for your team

Toku is an employer of record and global payroll provider in 100+ countries, paying teams in local currency or stablecoins. Review the employer of record service, how Toku pays contractors in USDC, USDT or local currency, and the published pricing. The stablecoin payroll savings calculator estimates what your payment route costs, and you can book a demo to get an itemized quote for your countries.

Sources and method

Toku publishes this page and is one of the providers compared. Competitor facts come only from each provider’s own public pages, help center or press releases, read on November 10, 2026. Prices are list prices where a provider publishes them and exclude salary, employer contributions, benefits and taxes. Provider terms change, so confirm current figures with each provider before you sign. This page contains no ratings or reviews.

• Gusto pricing
• Gusto help: hire non-US employees with Remote
• Gusto help: EOR powered by Remote
• Gusto help: pay non-US contractors
• Gusto Simple plan
• Toku employer of record
• Toku pricing
• Toku stablecoin payroll
• Toku contractor management
• Deel
• Deel employer of record
• Deel pricing
• Deel contractor withdrawal options
• Deel stablecoin salary payouts
• Remote pricing
• Remote employer of record
• Remote contractor management
• Remote help center: contractor stablecoin payouts
• Rippling
• Rippling employer of record
• Rippling pricing
• Rippling global contractors
• Oyster
• Oyster pricing
• Oyster help center: contractor payment methods
• Multiplier
• Multiplier pricing
• Multiplier contractor management
• Multiplier: pay a contractor in USDT
• Rise
• Rise employer of record
• Rise pricing
• Rise stablecoin payroll