most affordable payroll service can be based on budget, features and ease of use. If you want the best, two of your top options for Gusto, OnPay, Patriot, and QuickBooks Payroll are. Gusto is highly recommended for its easy to use payroll, HR tools, benefits administration and intuitive interface. There are not many cheaper options like OnPay that had such a strong feature set. Payroll offered affordably, and neat and simple for those with little in the way of HR needs, Patriot is a great payroll for businesses with a thin HR challenge. The best answer also includes automatic tax filing, direct deposit, employee self service and excellent support in line with small business budget.