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Set up a contractor payments account

While we support domestic contractor payments for all our payroll customers, we also support businesses that only need to pay domestic contractors. A contractor payments account can be used to pay 1099 contractors without adding W-2 employees.

These accounts include:

  • Unlimited domestic contractor payments
  • 4-day ACH direct deposit
  • 1099-NECs at the end of the year
  • Contractor self-onboarding
  • New hire reporting (if required in your state). 

These accounts do not include: 

Set up a contractor-payments only account

Create your contractor payments account here.

Keep in mind: you cannot use Gusto for contractor payments if you're using any other payroll service.

  • When you sign up for contractor payments through Gusto, you will be asked to sign Form 8655, which gives Gusto the authorization to file returns on your behalf. You can only have one Form 8655 active at a given time, so you would not be able to have another payroll company or accountant filing forms for you.


Your free month begins when you process your first contractor payment. After this, the cost is $6 per contractor per month (in the months they are paid). There is no monthly base fee.

If you add a W-2 employee, you will be asked to select if you would like to be on our Core, Complete, or Concierge plan.

Payroll, benefits, HR and more.