Fingercheck was built as a unified time-and-payroll platform for hourly and deskless teams. Gusto was built around salaried, office-based payroll and benefits, with time tracking added later as a plan upgrade rather than a core feature. By natively connecting shift scheduling, biometric time clocks, and geofenced punches directly to payroll, Fingercheck gives businesses real-time visibility into labor hours and job costs without manual timesheet exports.

Time tracking isn’t on Gusto’s entry-level Simple plan. It requires upgrading to Plus at $80/mo plus $12 per employee, or a paid add-on. Fingercheck includes time tracking and scheduling starting at $29/mo plus $7 per employee.

Both charge a monthly base fee plus a per-employee fee. Fingercheck’s Time & Attendance plan starts at $29/mo plus $7 per employee; full payroll starts with the 360 plan at $79/mo plus $10 per employee. Gusto’s Simple plan starts at $49/mo plus $6 per employee and includes payroll but not time tracking.

Gusto lets employers set authorized work locations, and employees can opt in to share their location when they clock in and out, a form of GPS-based time and attendance tracking. It flags punches recorded outside the authorized area rather than blocking them. Fingercheck’s geofencing enforces the boundary in real time, which helps prevent buddy punching and time theft on job sites where a supervisor isn’t there to verify who’s actually on-site.

Definitely. Whether you have 5 employees or 5,000, our platform is built to scale is built to seamlessly scale with your business, allowing you to add users and advanced features without forcing you into an expensive system migration or a completely new software tier. The cloud-based platform expands in step with your hiring, automated shift rules, and compliance needs without adding administrative complexity or breaking your existing payroll configuration

Yes, both do, though the mechanics differ. Earned wage access, also called on-demand pay, lets employees draw down wages they’ve already earned before the scheduled payday. Fingercheck’s version, called Pay On-Demand, calculates the exact amount available directly from live payroll and time data, up to a set share of wages already earned in the current pay period, and standard delivery costs $2.99.

Gusto’s On-Demand Pay is powered by a separate fintech partner, Clair, with advances originated through a bank; standard delivery is free, and instant delivery costs the employee $4.50-$4.99. Gusto’s own materials note that per-period limits can vary based on the employee’s repayment history, rather than a fixed share of that period’s earned wages. Neither platform charges the employer an ongoing fee for the benefit itself.

Yes. Fingercheck calculates withholding for every state involved in one pay run and lets you configure reciprocity per employee. Gusto also supports reciprocity, but it isn’t automatic. It requires the employee to sign a non-residency certificate and the employer to select the setting. Gusto’s multi-state payroll requires its Plus plan or above.

Fingercheck holds a 9.4 Quality of Support score on G2 compared to Gusto’s 9.0, and customers typically reach a live specialist in under a minute.

No. Certified payroll, the weekly WH-347 reporting required on Davis-Bacon and other prevailing-wage government contracts, isn’t a native Gusto feature. Contractors using Gusto typically export payroll data and prepare the report manually or route it through a separate certified payroll specialist tool. Fingercheck generates certified payroll reports and prevailing-wage-by-job setup natively on its 360 and 360 Plus plans.

Yes. Fingercheck supports benefits administration for health, dental, and vision plans, with payroll-connected deductions, along with 401(k) integrations and workers’ compensation options. Gusto operates its own in-house insurance brokerage with direct carrier sync. The two platforms take different approaches here, so if benefits administration is a deciding factor for your business, it’s worth asking each vendor how their current enrollment and broker workflow fits your setup.

Yes. Fingercheck connects with QuickBooks Online and supports general ledger export workflows for QuickBooks Desktop and other accounting platforms, including Xero. Gusto also supports QuickBooks, Xero, and FreshBooks, with QuickBooks Online journal-entry sync. The right fit depends on which accounting system you use and how much automation you need in the sync.

Yes, especially as your hourly or field operations get more complex. Multi-state payroll is included at Fingercheck’s 360 tier, where Gusto requires an upgrade to Plus. Certified payroll, job costing, and geofencing are built to handle more job sites, more states, and more shifts as you add them. Fingercheck’s G2 reviewer base also skews more mid-market than Gusto’s, reflecting real use among larger, more operationally complex hourly businesses.

Yes. Fingercheck is built for small and midsize businesses (SMBs), generally between 11 and 400 employees, that need payroll, time tracking, scheduling, and HR in a single platform. It’s used most heavily by businesses with hourly or field-based teams, including construction, staffing, field services, real estate, and property management.

G2’s reviewer data shows Fingercheck’s user base concentrated in construction (15.3% of reviewers), real estate (10.9%), and hospital and healthcare (10.0%). Gusto’s reviewer base concentrates in non-profit organizations (5.8%), mental health care (5.1%), and health, wellness, and fitness (5.0%). Both are legitimate SMB payroll software options, but the data points to a real split in who each one is built for.

If your business is mostly salaried employees at a single office, Gusto’s ease of use and setup may be enough. If you manage hourly, multi-location, or field-based employees, especially in construction, staffing, field services, property management, or healthcare scheduling, Fingercheck’s native time tracking, geofencing, and multi-state payroll are built specifically for that kind of workforce.