- The workers' comp line that decides more than the plan
- Sting one: you don't want the PEO commitment
- Sting two: hourly staff and time tracking as an add-on
- Sting three: your team isn't only in the US
- Sting four: you want more in one place, or a different PEO
- Ten options side by side
- Every option, in no particular order
- My advice if you're thinking of leaving
- Frequently asked questions
The right alternative to a small-business PEO depends on what you're trying to get away from. Payroll-only software removes the co-employer commitment, hourly-team apps handle schedules and time clocks, global employer of record platforms cover hiring abroad, and other PEOs or all-in-one platforms suit owners who want everything bundled.
Every time you hire, your Justworks bill goes up, because its plans are charged per employee per month. For a lot of small businesses that's fine. For others, it's the moment they start asking whether a PEO is still the right shape, or whether they'd be happier with payroll software, an hourly-team app or a global hiring platform instead.
Justworks offers a payroll-only plan, PEO Basic and PEO Plus, with add-ons for time tracking, international contractors and a global Employer of Record service. This page groups ten alternatives by the thing you'd like to stop dealing with. They're in no particular order and nothing's crowned. One note up front: this isn't tax or legal advice. Payroll and employment rules vary by state and by country, so check with the relevant regulator or a qualified adviser before you change providers.
The workers' comp line that decides more than the plan
Here's what most comparisons skip. Justworks' own plan table lists access to workers' compensation as required for the PEO plans. So if you'd like to keep your current workers' comp policy or carrier, the PEO plans aren't the route, whatever else they offer.
That reframes the whole decision. It isn't only payroll versus PEO. It's whether you're ready to move your workers' comp, your benefits and parts of your employer responsibilities into a co-employer arrangement at all. If you are, another PEO may suit you. If you aren't, a payroll-only product is the cleaner exit, and you keep those pieces under your own name. The vendor's own PEO page points readers to the IRS and ESAC for detail on certification, which is a useful check for any PEO you shortlist.
Sting one: you don't want the PEO commitment
Choosing a PEO means choosing a co-employer model, and that's a bigger step than buying payroll software. If you'd rather run payroll yourself and keep employer responsibilities in-house, look at plain payroll tools. OnPay offers online payroll with taxes, HR and benefits in one place, and the vendor says it handles setup and data migration. Square Payroll suits businesses already selling through Square, with automated tax filings sitting beside in-store and online sales. Our guide to payroll software for small businesses covers more options here.
Sting two: hourly staff and time tracking as an add-on
With Justworks, time tracking is a separate per-employee add-on, and the applicant tracking system appears only on PEO Plus. If most of your team works shifts, you may want those pieces built in. Homebase is an all-in-one app for hourly teams, with employee scheduling, time clocks, payroll and HR together, so the shift side of the business isn't an extra.
Sting three: your team isn't only in the US
The plans are labelled for US teams, and hiring abroad runs through a separate Global EOR product charged per person. If you're hiring internationally, a platform built for that from the start may be simpler. Oyster HR lets you hire, pay and manage people globally, with payroll and compliance across many countries. Remote is a global employment platform covering employer of record, global payroll, contractor management and compliant payments. Papaya Global runs workforce payments and payroll across many countries and is aimed at larger companies. Our roundup of employer of record services goes further.
Sting four: you want more in one place, or a different PEO
Some owners leave because they want a bigger platform, not a smaller one. Rippling combines HR, IT and finance apps on one data platform, so devices and spend sit beside people data. Paycor is HR and payroll software for mid-sized businesses up to enterprise employers, which suits a company growing past small. And if you like the PEO model but not the provider, TriNet and Insperity both offer outsourced HR, from payroll and benefits to risk management, compliance and HR support. Our list of PEO services compares more providers.
Ten options side by side
| Tool | Kind of service | Good for |
|---|---|---|
| Homebase | Scheduling, time clock and payroll | Hourly teams that need schedules and time clocks |
| Insperity | PEO and HR services | HR services, technology and support |
| OnPay | Small-business payroll | HR and benefits beside payroll, no PEO |
| Oyster HR | Global employer of record | Hiring and paying staff abroad |
| Papaya Global | Worldwide payroll for larger firms | Workforce payments across many countries |
| Paycor | HCM for growing firms | HR and payroll as you grow past small |
| Remote | Global EOR and payroll | Employer of record, payroll and contractors worldwide |
| Rippling | All-in-one HR, IT and finance | HR, devices and spend on one platform |
| Square Payroll | Point-of-sale payroll | Staff pay beside in-store and online sales |
| TriNet | PEO | Another PEO with payroll, benefits and risk |
Every option, in no particular order
Homebase
Best for: Hourly-team businesses wanting scheduling, time clocks, payroll and HR in one app, with a free start advertised as of Nov 2026.
Insperity
Best for: Owners who want a PEO-style partner offering HR services, technology and support, and are comfortable with the co-employer model.
OnPay
Best for: Small businesses leaving the PEO model for payroll software with taxes, HR and benefits in one place, plus the free data migration the vendor offers.
Oyster HR
Best for: Companies hiring outside the US who want to hire, pay and manage people globally, with payroll and compliance across many countries on one platform.
Papaya Global
Best for: Larger employers running workforce payments, payroll, employer of record and contractor payments across many countries from one platform.
Paycor
Best for: Growing mid-sized businesses that want HR and payroll software built to scale up to enterprise, with AI features the vendor highlights.
Remote
Best for: Teams with people in several countries wanting employer of record, global payroll, contractor management and compliant payments from one system of record.
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Rippling
Best for: Businesses that want HR, IT and finance apps sharing one data platform, covering people, devices and spend.
Square Payroll
Best for: Sellers already using Square for in-store or online sales who want payroll with automated tax filings in the same place.
TriNet
Best for: Owners happy with the PEO model who want payroll, benefits, risk management and compliance handled by another provider.
My advice if you're thinking of leaving
Name the sting before you look at a single demo. If it's the per-head charge, compare total plans for your real headcount over the coming twelve months, not one, and remember to count the add-ons you'd need elsewhere too. If it's workers' comp or the co-employer model, a payroll-only product is the cleanest way out, but you'll take benefits and compliance admin back in-house, so be honest about who on your team will do it.
If it's hiring abroad, a global employer of record platform will probably fit better than an add-on. And whatever you choose, plan the switch for a quiet point in your payroll calendar, keep your old records exported and safe, and check with your regulator or adviser on anything to do with tax filings, because the rules vary and a mistake there is hard to undo.
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Frequently asked questions
Why do small businesses leave Justworks?
The common reasons are plans charged per employee, workers' comp access being required for the PEO plans, useful features sold as add-ons, a focus on US teams, and not wanting a co-employer arrangement.
What's the difference between a PEO and payroll software?
Payroll software helps you pay staff and file payroll taxes as the sole employer. A PEO becomes a co-employer and takes on parts of HR, benefits and compliance. Rules vary by state, so check with your regulator or an adviser.
Can I keep my own workers' comp policy with Justworks?
Its plan table lists access to workers' compensation as required for the PEO plans. If you want to keep your own policy, look at its payroll-only plan or a payroll-only alternative, and confirm with the vendor.
What's the best option for hiring employees abroad?
A global employer of record platform is usually the better fit, because it's built to hire, pay and manage people in many countries. Employment rules differ by country, so check local requirements.
Is switching payroll providers mid-year a problem?
It can be done, but it needs care with year-to-date records and tax filings. This isn't tax or legal advice, so check with your regulator or an accountant before you pick a date.
Which options suit hourly or shift-based teams?
Look for scheduling and time clocks built in rather than sold as add-ons. One option on this list is an all-in-one app made for hourly teams.


