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Gusto Embedded

Provider
PayrollInsuranceUnified Payroll/HRISEWA

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 50 companies across 4 categories.

gusto.com ↗Open Banking Tracker profile ↗
CategoriesPayroll, Insurance, Unified Payroll/HRIS, EWA
Rank#1 of 34 in Payroll
Buyers50 companies

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In the press
embeddedfinancereview.com ↗
Coverage of Gusto Embedded 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 Embedded
50 companies disclose Gusto Embedded in their stack
SocureHellobooksStarkel NutritionFarmgirl FlowersVydeBuildertrendKarbonGroundCloud (Descartes)CollectiveOpenbankPayroll BridgeIgnite Spot Accounting+38 more
Buyer mix · 50 of 50 classified
Horizontal SaaS / Accounting · 9Vertical SaaS / Healthcare · 5Bank / National · 4Vertical SaaS / Accounting · 4Horizontal SaaS / HR & Payroll · 3Vertical SaaS / Dental · 3E-commerce / DTC brand · 2Vertical SaaS / Architecture & Engineering · 2
US · 45EU · 2APAC · 1Canada · 1UK · 1
What the disclosures say
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.”
Buildertrend
“Note: this is a third-party integration (Gusto as external payroll provider), not embedded payroll via Gusto Embedded API — evidence points to a standard data-sync integration.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Gusto Embedded? Claim this profile above to unlock your own full list.
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Alternatives to Gusto Embedded

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.

Check25 buyers →Remote16 buyers →Salsa16 buyers →ADP9 buyers →Stripe8 buyers →Toku4 buyers →RazorpayX Payroll3 buyers →Rippling3 buyers →
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Ranked #1 of 34 in Payroll — Embedded Finance Index 2026
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Gusto Embedded — frequently asked

Which companies use Gusto Embedded?

50 companies disclose Gusto Embedded in their stack in the Embedded Finance Index 2026, including Socure, Hellobooks, Starkel Nutrition, Farmgirl Flowers, Vyde, Buildertrend, Karbon, GroundCloud (Descartes), Collective, Openbank and 2 others.

What does Gusto Embedded do?

Gusto Embedded is an embedded-finance provider in Payroll, Insurance, Unified Payroll/HRIS and EWA. It ranks #1 of 34 Payroll providers by disclosed buyers.

What are the alternatives to Gusto Embedded?

The most-disclosed Payroll alternatives to Gusto Embedded are Check (25 buyers), Remote (16 buyers), Salsa (16 buyers), ADP (9 buyers), Stripe (8 buyers) and Toku (4 buyers).

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