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Unpack Money research desk
Software reviews
In-depth reviews of the tools small businesses actually buy — every price verified on the provider's official site, no invented testing, no placeholder links.
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Compare all options
| Product | Starting price | Free trial / plan | Best for | Our score |
|---|---|---|---|---|
| FreshBooks Verified Oct 23, 2026 | From $23/mo | 30-day free trial + 30-day money-back guarantee | Freelancers and service businesses that invoice clients constantly | 88/100 |
| HubSpot Sales Hub Verified Oct 28, 2026 | From $7/seat/mo (annual) | Free-forever plan (up to 2 users) — no time limit | Small businesses that want to start free and grow on one platform | 90/100 |
| Wix Website Builder Verified Oct 23, 2026 | From $17/mo (annual) | Free plan (forever) + 14-day money-back guarantee on paid plans | Beginners and small businesses that want a professional site with minimum fuss | 89/100 |
| LegalZoom LLC Formation Verified Oct 23, 2026 | From $0 + state filing fees | No trial (one-time service) | Founders who want attorney access bundled with formation and trust the biggest brand | 81/100 |
| Gusto Verified Oct 24, 2026 | From $49/mo + $6/person | Free until your first payroll run | Small businesses that want transparent payroll pricing with HR and benefits in one place | 89/100 |
| QuickBooks Payroll Verified Oct 24, 2026 | From $50/mo + $7/employee | 50% off for 3 months (current promotion) | Businesses already running QuickBooks Online that want payroll in the same system | 88/100 |
| OnPay Verified Oct 24, 2026 | From $49/mo + $6/worker | First month free, including onboarding and migration | Small businesses that want one flat, transparent payroll price with no tier maze | 87/100 |
| ADP RUN Verified Oct 24, 2026 | From Quote only | No free trial published | Growing small businesses that want an incumbent platform with 24/7 support and room to scale | 84/100 |
| Paychex Flex Verified Oct 28, 2026 | From Custom quote required | No free trial published | Businesses that want a full-service HR and payroll platform with premium support on higher tiers | 82/100 |
| Stripe Verified Oct 28, 2026 | From 2.9% + 30¢ per online transaction | — | Businesses that sell online and want a custom checkout, subscriptions or an embedded payment flow | 86/100 |
| Square Verified Oct 29, 2026 | From No monthly fee (Free plan); 2.6% + 15¢ in person | Free 30-day trial on Plus and Premium | Businesses that sell in person and want one system for the counter, inventory and a simple online store | 84/100 |
| PayPal Verified Oct 28, 2026 | From No fee to open a business account; 3.49% + $0.49 via Checkout | — | Online sellers whose buyers already use PayPal, especially as a second checkout option alongside a card processor | 83/100 |
Prices verified from each provider's official site — oldest check 2026-10-23. Prices change — confirm before you buy.
Software review
FreshBooks
Invoicing-first accounting built for freelancers and service businesses
Unpack Money score: 88/100 · Pricing verified 2026-10-23
Read review →Software review
HubSpot Sales Hub
The best free CRM, with paid tiers that scale steeply
Unpack Money score: 90/100 · Pricing verified 2026-10-28
Read review →Software review
Wix Website Builder
The easiest way to get a real website online
Unpack Money score: 89/100 · Pricing verified 2026-10-23
Read review →Software review
LegalZoom LLC Formation
The biggest brand, with attorney access on higher tiers
Unpack Money score: 81/100 · Pricing verified 2026-10-23
Read review →Software review
Gusto
Transparent payroll and HR for small businesses, from $49/month
Unpack Money score: 89/100 · Pricing verified 2026-10-24
Read review →Software review
QuickBooks Payroll
Payroll inside the accounting software most small businesses already use
Unpack Money score: 88/100 · Pricing verified 2026-10-24
Read review →Software review
OnPay
One flat, transparent payroll price — $49/month plus $6 per worker
Unpack Money score: 87/100 · Pricing verified 2026-10-24
Read review →Software review
ADP RUN
The incumbent payroll platform — pricing by quote only
Unpack Money score: 84/100 · Pricing verified 2026-10-24
Read review →Software review
Paychex Flex
Full-service HR and payroll with premium customer support — pricing by quote only
Unpack Money score: 82/100 · Pricing verified 2026-10-28
Read review →Software review
Stripe
Online checkout, subscriptions and embedded payments — 2.9% + 30¢ online
Unpack Money score: 86/100 · Pricing verified 2026-10-28
Read review →Software review
Square
Counter-first point of sale — 2.6% + 15¢ in person, no monthly fee to start
Unpack Money score: 84/100 · Pricing verified 2026-10-29
Read review →Software review
PayPal
The familiar checkout button — 3.49% + $0.49 via Checkout
Unpack Money score: 83/100 · Pricing verified 2026-10-28
Read review →FAQs
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Sources
Every price on this page was verified against the provider's official website on the date shown. We never use aggregator sites as sources for pricing.
- FreshBooks — official pricing (verified 2026-10-23)
- HubSpot — official pricing (verified 2026-10-28)
- Wix — official pricing (verified 2026-10-23)
- LegalZoom — official pricing (verified 2026-10-23)
- Gusto — official pricing (verified 2026-10-24)
- QuickBooks — official pricing (verified 2026-10-24)
- OnPay — official pricing (verified 2026-10-24)
- ADP — official pricing (verified 2026-10-24)
- Paychex — official pricing (verified 2026-10-28)
- Stripe — official pricing (verified 2026-10-28)
- Square — official pricing (verified 2026-10-29)
- PayPal — official pricing (verified 2026-10-28)