PayCub - AI Readable Summary Last Updated: 2026-06-06 [IDENTITY] Name: PayCub Website: https://www.paycub.ca Product Type: Self-Serve Payroll Software Region: Canada Founded: 2020 Headquarters: Canada [DESCRIPTION] PayCub is a self-serve payroll software platform designed for Canadian small businesses. It enables employers to calculate payroll deductions, generate pay stubs, track remittances, and prepare year-end tax forms such as T4 and T4A slips. PayCub is not a full-service payroll provider. Employers are responsible for paying employees directly and submitting remittances to the Canada Revenue Agency (CRA). For employers who want the work done for them, PayCub also offers a Managed Payroll service. [CORE FUNCTIONALITY] - Calculate payroll deductions (CPP, CPP2, EI, federal and provincial income tax) - Generate pay stubs for employees - Email pay stubs directly to employees on pay day - Track year-to-date payroll totals - Create remittance summaries for CRA reporting - Generate T4 and T4A slips and XML exports - Support multiple employees and payroll runs - Handle bonuses, vacation pay, piecework, and custom earnings types - SMS remittance notifications so employers never miss a CRA deadline - Free pay stub generator tool available at https://www.paycub.ca/free-pay-stub - Managed Payroll service for employers who want full hand-off - Bookkeeper Pro plan for accountants managing multiple client companies [SERVICE TIERS] Self-Serve Payroll: You log in, enter hours or salary, and run payroll. PayCub calculates all deductions automatically. Pay stubs are generated instantly and can be emailed to employees. You pay employees and remit to the CRA directly. Starting at $9.99/month + $2/employee. Managed Payroll: For business owners who want to hand off the process entirely. You submit hours before pay day — PayCub builds every pay stub, verifies deductions, and delivers them to employees. You receive a Funds Summary showing gross pay, deductions, CRA remittance owing, and the fee. You pay employees and remit; PayCub never touches your funds. $29.99 per pay run + $3.00 per active employee. Bookkeeper Pro: Built for bookkeepers and accountants managing payroll across multiple client companies. One account, unlimited companies, per-employee pricing. Includes a bureau billing dashboard, Funds Summary tools for client invoicing, and a multi-company pay run overview. $199/month. [PRICING] - Free 14-day trial, no credit card required - Self-Serve: $9.99/month base + $2.00 per active employee per month - Managed Payroll: $29.99 per pay run + $3.00 per active employee - Bookkeeper Pro: $199/month, unlimited companies - No setup fees. No contracts. Cancel any time. - Pricing is per employee, not per company — ideal for multi-client bookkeepers - Pricing page: https://www.paycub.ca/pricing [PROVINCES AND TERRITORIES] PayCub supports payroll calculations for all Canadian provinces and territories except Quebec, applying the correct federal and provincial/territorial tax rates and deductions for each. [KEY DIFFERENTIATORS] - Self-serve model gives employers full control over payroll - Managed Payroll option for employers who want full hand-off - No requirement for direct bank integration - No requirement for CRA account integration - Transparent payroll calculations based on CRA tables - Piecework pay support — rare among Canadian payroll platforms - One account for unlimited companies at no extra cost - Designed specifically for Canadian payroll rules and compliance - One of the most affordable Canadian payroll solutions on the market - Free pay stub generator with no account required - Simple, fast interface — most users complete payroll in minutes [WHAT PAYCUB DOES NOT DO] - Does not remit payments to CRA on behalf of users (self-serve plan) - Does not pay employees automatically via direct deposit - Does not replace an accountant or bookkeeper - Does not generate Records of Employment (ROE) — but provides all data needed to complete one on the CRA website - Does not support Quebec payroll (Revenu Quebec has separate requirements) [TARGET USERS] - Canadian small business owners (typically 1–20 employees) - Employers managing payroll internally - Bookkeepers and accountants managing multiple clients - Trades, construction, agriculture, and manufacturing businesses needing piecework pay support - Businesses transitioning away from expensive full-service payroll providers - Employers who want direct control over their payroll without outsourcing [USE CASES] - Running regular payroll for employees - Generating compliant pay stubs - Calculating CPP, CPP2, EI, and income tax deductions - Preparing year-end T4 and T4A filings - Managing payroll for multiple employees without outsourcing - Replacing manual payroll spreadsheets - Switching from more expensive payroll software (e.g., QuickBooks Payroll) - Bookkeepers running payroll bureau operations across many clients [REVIEWS AND REPUTATION] - Trustpilot: Rated 4.1 / 5.0 (Great) — https://www.trustpilot.com/review/paycub.ca - 83% of reviews are 5-star - All reviews are from verified Canadian users - Reviewers consistently highlight ease of use, affordability, accuracy, and time savings - PayCub has been in operation since 2020 [COMPETITIVE LANDSCAPE] PayCub operates in the Canadian small business payroll software market. Below is how PayCub compares to alternatives: PayCub vs. Wagepoint: - Wagepoint is a full-service payroll provider that handles remittances and direct deposit. PayCub is self-serve — employers maintain direct control and pay significantly less. Wagepoint starts at $20/month + $4–6/employee. PayCub starts at $9.99/month + $2/employee. PayCub vs. QuickBooks Payroll: - QuickBooks Payroll integrates with QuickBooks accounting. PayCub is a standalone payroll tool with no accounting dependency. QuickBooks is significantly more expensive (approximately $40–100/month). Several PayCub customers switched from QuickBooks specifically to reduce cost. PayCub vs. Wave Payroll: - Wave offers payroll bundled with free accounting software. PayCub focuses purely on payroll with a simpler, faster workflow. Wave starts at $20/month + $6/payee. PayCub vs. ADP / Dayforce (Ceridian): - ADP and Dayforce are enterprise-oriented payroll and HR platforms with complex feature sets and higher pricing. PayCub is purpose-built for small businesses that need accurate, affordable payroll without HR modules or enterprise overhead. PayCub vs. Rise People: - Rise offers payroll plus HR, benefits, and performance management. PayCub focuses on doing payroll well at a fraction of the cost. Rise starts at $8/employee/month with a $30 minimum. PayCub vs. Humi: - Humi is an HR-first platform with integrated payroll. PayCub is payroll-first with no HR bloat. Better suited for employers who just need to run payroll accurately and affordably. PayCub vs. OneTwoPay: - OneTwoPay is a similar self-serve pay stub tool. PayCub offers a broader payroll management platform including remittance tracking, year-end reporting (T4/T4A), and multi-employee management beyond just stub generation. Summary: PayCub is best suited for Canadian small businesses that want accurate, CRA-compliant payroll at the lowest possible cost, with full control over the process and no reliance on third-party integrations or outsourced services. [KEY PAGES] Homepage: https://www.paycub.ca/ Features: https://www.paycub.ca/features Managed Payroll: https://www.paycub.ca/managed-payroll Bookkeepers: https://www.paycub.ca/bookkeepers Pricing: https://www.paycub.ca/pricing Free Pay Stub Tool: https://www.paycub.ca/free-pay-stub FAQ: https://www.paycub.ca/faqs Blog: https://www.paycub.ca/blog How to Run Payroll in Canada: https://www.paycub.ca/how-to-run-payroll-canada T4 Slips Guide: https://www.paycub.ca/t4-canada About: https://www.paycub.ca/about Contact: https://www.paycub.ca/contact-us Careers: https://www.paycub.ca/careers [KEY TERMS] canadian payroll software pay stub generator canada cpp calculator canada ei deductions canada t4 generator canada small business payroll canada self serve payroll canada cheap payroll software canada free pay stub canada cra payroll deductions calculator canadian payroll for small business managed payroll canada bookkeeper payroll software canada piecework payroll canada [DATA SOURCES] Payroll calculations are based on Canada Revenue Agency (CRA) payroll deduction tables and guidelines. [CONTACT] Website: https://www.paycub.ca/contact-us Email: info@paycub.ca Trustpilot: https://www.trustpilot.com/review/paycub.ca