← Embedded Finance Index 2026/Vendor

Gusto

Provider
PayrollInsuranceEWA

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 26 companies across 3 categories.

gusto.com ↗Also analysed as a company — its own stack →
CategoriesPayroll, Insurance, EWA
Rank#1 of 35 in Payroll
Buyers26 companies
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In the press
embeddedfinancereview.com ↗
Coverage of Gusto sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2025-09-19
Gusto Launches Gusto Money: Payroll Provider Expands Into Embedded Finance With Credit, Bill Pay, and Invoicing
Gusto launches Gusto Money with embedded finance features: Payroll Bridge lending, bill pay via Melio, and invoicing. How payroll providers are expanding into fintech.
Source · Embedded Finance Review ↗
Who uses Gusto
26 companies disclose Gusto in their stack
HellobooksStarkel NutritionFarmgirl FlowersVydeBuildertrendCollectivePayroll BridgeIgnite Spot AccountingBreakout FinanceLettuceXendooLollipop Dental Health Insurance+14 more
Buyer mix · 26 of 26 classified
Horizontal SaaS / Accounting · 5Horizontal SaaS / HR & Payroll · 3Vertical SaaS / Accounting · 3E-commerce / DTC brand · 2Vertical SaaS / Construction · 2Vertical SaaS / Dental · 2Vertical SaaS / Healthcare · 2Fintech / Lending · 1
US · 26
What the disclosures say
Hellobooks
“US compliance hub: 'W-9 / 1099 and Gusto-backed payroll in private preview.' HelloTime is a sibling product in the Meru Fin Tech suite handling India payroll and posting journals to HelloBooks.”
Starkel Nutrition
“Gusto case study explicitly names Starkel Nutrition (gusto.com/customers/case-studies/starkel-nutrition); Gusto Embedded is listed as a known customer in TIER 1 evidence.”
Farmgirl Flowers
“Guideline's case study page (guideline.com/education/articles/farmgirl-flowers) explicitly names Farmgirl Flowers as a customer and lists Gusto as their payroll provider in a table: 'Payroll: Gusto'.”
Vyde
“vyde.io/gusto-vyde-partnership/ explicitly names Gusto as Vyde's payroll partner.”
Buildertrend
“Buildertrend integration page on buildertrend.com describes Gusto integration for payroll: 'Buildertrend integrates with Gusto, sending time clock shifts directly from one system to the other.' Gusto Help Center article on support.gusto.com also explicitly describes the Buildertrend-Gusto integration.”
Collective
“Privacy policy (collective.com/privacy-policy) lists 'Gusto' among integrated third-party services alongside Plaid and Stripe.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Gusto? Claim this profile above to unlock your own full list.
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Alternatives to Gusto

Other Payroll providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Check16 buyers →Remote16 buyers →Salsa16 buyers →Gusto Embedded14 buyers →ADP8 buyers →Stripe8 buyers →Toku4 buyers →RazorpayX Payroll3 buyers →
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Ranked #1 of 35 in Payroll — Embedded Finance Index 2026
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