You can get paid by your client (or employer) through Gusto, at no cost to you. Right now, Gusto does not support prepaid debit cards for contractor payments.
Paystubs depend on when your employer submits the contractor payments.
If you do not see your paystub or have questions, ask your employer first.
Direct deposit timing on payday depends on your bank’s processing time.
Your money might arrive anytime during the day, and banks have until the end of the day to deposit funds.
The last four digits of any bank account paid appear at the top of the paystub.
For admins
If you manage contractors, see this article to learn how to pay them. Employers can issue payments by direct deposit or check, and can also record historical payments made to contractors for annual reporting.
US employees and contractors can add up to 5 bank accounts and split pay between them.
Go to the Pay section in your profile or follow the steps below.
Add or update a bank account:
Click My profile.
Go to the Pay section.
Click:
Edit to update the existing bank account.
Add payment method to add another bank.
Verify your bank with Plaid to start using it right away. It's faster than manual verification, and it lets Gusto spot and alert you to bank issues sooner.
Split pay to divide your pay between banks (if you have more than one set up)
Complete the security check (2-step code and confirm current bank). If you cannot get past this step, get help with 2-step verification.
Click Save.
Important: If you update your bank info after payroll is submitted but before payday, funds may go to your old account. Contact your employer if this happens.
You can split your money two ways:
By percentage (example: 70% to checking, 30% to savings)
By dollar amount (example: $500 to one account, the rest to another).
If you split by dollar amount, drag and drop banks to set the payment order. We pay in the order you set until all your money is sent.
Mobile app: US employees can also add or split payments in the mobile app.
We'll email you to let you know and send reminders every 3 business days. If nothing is fixed within 12 business days, your pay will go back to your company’s bank account.
We'll automatically try to resend the payment when you:
Update your existing bank information, or;
Fully remove your old bank account and add a new one.
If you’re being paid by direct deposit, but want to be paid by check, you just need to remove all bank accounts in Gusto.
Learn how to add or split payments on the mobile app.
Change your payment method to check
Go to the Pay section in your profile or follow these steps:
Go to My profile.
Go to Pay.
Next to the bank account you're using for direct deposit, click the Actions menu (three dots).
Click Delete.
A pop-up will appear, and we'll text or email you a security code. Enter this code into the pop-up in Gusto.
Repeat this process for each bank account.
You'll be paid by check moving forward (for all payrolls submitted after this change was made), and that check should come directly from your employer.
If you’re a contractor in the U.S., you can see your past and latest payments in your Gusto account after your admin pays you. You can check them anytime on your computer or phone.
To see your payments:
Click Pay.
Move your mouse over the payment you want, then click View or PDF to print the payment statement.
Each payment statement will show your regular pay, any bonuses, reimbursements, invoice info, and any notes your employer added.
If you're a contractor outside the U.S., Gusto will email you on payday. For more payment details, ask your employer.
Your pay date depends on when your employer submits your contractor payment through Gusto. Use this section to understand how payments work—and what to do if something goes wrong.
Non-US (international) contractors: If you have payment issues, ask your employer to message us through their Gusto account.
Your employer submits your contractor payment to Gusto
We send the payment electronically to your bank
You get an email from Gusto on payday
Your payment statement appears in your Gusto account (see View payments made to you above)
Banks have until 5 PM local time to deposit money into your account
Important: Each company uses different payment speeds. Ask your employer about your specific pay date. We can't answer questions about your payment until your actual payday.
Your employer is responsible for giving you or mailing your paper check. Check your payment statement in Gusto to confirm whether you're being paid by direct deposit or check.
Find your situation in the table below to get the next steps:
Problem
What to check
Who to contact
Payment hasn't arrived on payday
Check your payment statement in Gusto (Pay → click the payment). If the status shows "Paid," we sent the money. Banks have until 5 PM local time to deposit funds.
Your bank first, then your employer
Payment amount is different than expected
Review your payment statement for invoice adjustments, reimbursement changes, or deduction changes.
Your employer
I see a debit (money taken out) from Gusto
Your employer submitted a payment reversal to correct an overpayment or bank error. This is intentional.
Your employer for an explanation; contact us if you think it's an error
My bank rejected the payment
Update your bank account in Gusto (My Profile → Pay → Edit). We automatically retry when you update or replace your account.
Update in Gusto first; then contact your employer if it continues
I was paid by check but expected direct deposit
Your employer changed the payment method for this payroll run.
Your employer
Note: We can't share payment details with contractors before your actual payday. If it's before your scheduled pay date, ask your employer for a status update.
If you don't see money in your account on payday (allow until 5 PM local time), follow these steps:
Make sure you're signed in to the right Gusto profile. If you have multiple accounts, try switching to a different one.
Check whether you're set up for direct deposit in your profile.
Note: Even if you have direct deposit set up, your employer can still choose to pay you by check.
Look at your payment statement in Gusto to confirm whether you're being paid by direct deposit or check.
If it says "check," your employer should give you a paper check. The money will not appear in your bank account.
Make sure your bank details are correct in Gusto.
Look for the test payment:
We send a $0.01 test payment when you add bank info
You should see it within 1–2 business days
If you don't see it, your bank info might be wrong
If your bank info is wrong and we got an error trying to deposit funds:
We'll email you and send reminders every 3 business days. If nothing is fixed within 12 business days, your pay will go back to your company's bank account.
We'll automatically try to resend the payment when you:
Update your existing bank information, or
Fully remove your old bank account and add a new one
If your bank info is wrong and we did not get an error trying to deposit funds:
Banks can take up to 3 business days after the check date to report an error. We need to wait for that response before we can help.
After 3 business days, if you still need help, message us from the Help section of your account.
If no error is reported after 3 business days, we can share the ACH Trace ID. Give this to your bank to help track and reconcile the payment.
If you recently changed banks:
Check your old bank account for the payment
If you can't access your old account, message us from the Help section of your account to get your ACH trace ID (your payment tracking number)
Then call your bank to help locate the payment
Sign in to your bank account or call your bank. Ask if there are any pending credits (incoming payments) on the way.
Contact your employer first. Ask them:
When is my expected pay date?
Am I being paid by direct deposit or check?
Can you confirm my bank account details are correct?
Can you check my payment details?
If your employer can't help, they can message us from the Help section of their admin account. Our team can give them detailed information about your payment or any errors.
Q: When will my direct deposit arrive?
A: Banks have until 5 PM local time on payday to deposit money into your account.
Q: Why don't I see my payment?
A: Check whether you're paid by direct deposit or check. Look at your payment statement in Gusto to confirm.
Q: I see a payment and I don't know who it's from. What do I do?
A: You may be paid by multiple companies on Gusto. To switch profiles, click your name in the top right. If you don't see an invoice in any account, and you believe it's a mistake, message us from the Help section of your account.
Q: My payment amount looks wrong. What do I do?
A: Review your payment statement for invoice adjustments, reimbursements, or deduction changes. Contact your employer if something doesn't look right.
Q: I see a debit from Gusto in my bank account. What is it?
A: This is most likely a payment reversal your employer initiated to correct an overpayment or bank error. Contact your employer for details. If you think it's a mistake, message us from the Help section of your account.
Q: My bank info changed. What do I do?
A: Update your bank information in Gusto (My Profile → Pay → Edit). We'll automatically try to resend the payment when you update or replace your account.
Q: Who do I contact for help?
A: Contact your employer first. They are the best point of contact for payment questions. If they can't help, they can contact Gusto support on your behalf, or go to the Help section in your account and select Contact us.