Horizon Payroll Alternatives in 2026: 7 Platforms for Working with Global Contractors

This article is published by 4dev.com, one of the products compared below. It is an editorial selection, not a complete review of the market: many providers operate in this space, and we include those that fit the scenario described below and publish enough information on their websites to be compared. Information about each provider comes from its public website, accessed between 1 November 2026 and 9 November 2026; prices and terms change. This article is for general information only. It is not legal, tax or financial advice and not a recommendation to choose any provider: verify all information directly with the provider before making a decision. This information is provided as is; we make no representations as to its completeness or accuracy. Third-party names and trademarks are the property of their respective owners. Research for this article was carried out with the help of AI tools and reviewed by our editors before publication. If you spot an error, write to support@4dev.com and we will review it.

This page covers seven Horizon Payroll alternatives: competitors and companies like Horizon Payroll Solutions that businesses use to work with independent contractors in other countries. The seven are listed in alphabetical order and described on the same six points, taken from each provider's public website, with 4dev.com, the publisher of this article, described in its own terms. Horizon Payroll Solutions, the reference provider, has its own section first and is not part of the list. Each of the seven descriptions ends with a summary of reviews from G2, Capterra and Trustpilot. The list is an editorial selection, not a ranking.

What is Horizon Payroll?

At the time of writing, Horizon Payroll Solutions states that it provides payroll and tax processing services for businesses from 1 to 1,000 employees or more [9]. It states it has nearly 1,000 customers in 40 states [8], and Horizon Payroll Services, Inc. states it has been in business since 1997 [8]. This page is about Horizon Payroll Solutions at horizonpayrollsolutions.com.

Horizon Payroll's own statements on the topics used for the providers in this article:

• Fees: Horizon Payroll states that the Rapid PayCard “does not cost you anything” [7]. It also states that there is “no enrollment cost” for the workers who receive the card [7].
• Payout speed: Horizon Payroll states that with the Rapid PayCard workers “can access all their pay immediately” [7].
• Payout methods: Horizon Payroll states that it works with rapid! so that all workers have access to direct deposit and ATM withdrawals [7]. It states that the Rapid PayCard “eliminates the need for paper checks” [7].
• Price: Horizon Payroll states a “no contracts” policy, so you can pay for service month-by-month [8]. It lists “No Hidden Set-Up Fees or Complicated Contracts” [7]. It also says it will work out “a customized approach that is best suited to your company's needs and budget” [9].

What reviewers say

Ratings: no reviews on G2, Capterra, Trustpilot.

Who this is for

Working with independent contractors

This article is for companies that engage independent contractors in several countries and want to compare fees, payout methods, currencies, countries and published prices side by side before they choose a Horizon Payroll alternative. The table puts every provider on the same six points, and the cards of the providers other than 4dev.com follow them.

Hiring employees

If you hire employees rather than engage contractors, for example through an Employer of Record (EOR), see our guide to employer of record services.

If you run payroll for employees in one country, see our guide to payroll software and services for business.

Key takeaways

The providers state their prices, currency conversion terms and coverage in their own units, so the figures below are not like-for-like.

• Price units differ. Deel, Multiplier, Oyster and Remote state a price per contractor per month [11][17][19][32]. Rippling states a monthly price [40]. 4dev.com publishes a percentage service fee of 3% or less [1]. Horizon Payroll Solutions, the reference provider, states month-by-month service with no contracts [8]. Check the unit before you compare amounts.
• Currency conversion works differently by set-up. Pebl states a 3% conversion fee when the contractor is paid in a currency that differs from the one in the agreement with the client [23]. Remote states that the invoice currency decides who bears the exchange cost [30]. Oyster describes one case in which the contractor bears FX fluctuations and one in which the employer does [20]. Multiplier states it uses the prevailing mid-market rate without adding a markup [15].
• Coverage figures vary. Providers state countries for contractors from 150+ (4dev.com, Deel and Multiplier [2][13][18]) to 200+ (Deel's contractor page, “200+ countries and jurisdictions” [12]), with 180+ to 190+ at Oyster, Pebl, Remote and Rippling [22][29][31][35][37]. Payout currencies, for the providers that state them, run from 37+ at Pebl [27] to 120+ at Deel, Multiplier and Oyster [11][14][19], and Deel's withdrawal guide lists 180+ supported currencies for bank transfers [10].
• Some points read “No information found”. In the table that is Rippling's fees and FX and Pebl's price: we found nothing on the public pages we checked.

How we put this together

This article is not a ranking. Providers are listed in alphabetical order, so 4dev.com, which starts with a digit, comes first. The order says nothing about quality, and no provider receives a score or a place.

The seven providers serve contractors across borders, and the six other than 4dev.com publish enough on their public pages to be described on the same points. Horizon Payroll Solutions is described separately because the article is about alternatives to it. 4dev.com, the publisher, is one of the seven and is described in its own terms: in its table row, the payout speed, payout methods and payout currencies cells read “Ask the 4dev.com team”, because those points are discussed directly with the team.

The table covers every provider on six points, and the cards of the six other providers follow them:

• fees and FX for the contractor
• payout speed
• payout methods
• payout currencies
• price for the company
• countries for contractors

Where a provider states nothing on a point on the public pages we checked, its card follows the points where it does state something; this applies to Pebl and Rippling. Integrations, APIs, support quality and compliance are not covered.

The facts come from each provider's public website (product, pricing and help-center pages), accessed between 1 and 9 November 2026. “No information found” means we did not find the point on those pages; it says nothing about what the provider offers. Where a provider's own pages give different figures, the table shows the lower one and the provider's card gives both.

The review summaries use the most recent reviews on G2, Capterra and Trustpilot as of 27 October 2026 (4dev.com on G2: 8 November 2026), up to 100 per platform. Every review is sorted into the same fixed themes for every provider. Each card shows the three themes reviewers praise most often and the three they criticise most often, with the number of reviews that mention them. They reflect what reviewers wrote, not our view, and reviews appear in the table only as ratings. Horizon Payroll Solutions has no reviews on the three platforms.

Research for this article used AI tools, and our editors reviewed it before publication.

Horizon Payroll alternatives at a glance

Data as stated on each provider's public website, checked 1–9 November 2026; review ratings as of 27 October 2026 (4dev.com on G2: 8 November 2026).

Provider	Fees and FX for the contractor	Payout speed	Payout methods	Payout currencies	Price (as stated on the provider's website, checked November 2026)	Countries for contractors	Review ratings
4dev.com	No contractor-side service fees	Ask the 4dev.com team	Ask the 4dev.com team	Ask the 4dev.com team	Service fee of 3% or less, depending on monthly volume; charged only for completed contractor workflows; no subscription	150+	G2 5.0 (3) · Trustpilot 4.1 (56); no reviews on Capterra
Deel	No withdrawal fee for Wise; separate transaction and exchange fees may apply; Instant Card Transfer outside the US: 2% fee, capped at $15, minimum withdrawal $5; fees are listed per method	From instant to 5–7 business days, by withdrawal method	Among its options: local bank transfer, SWIFT, instant card transfer, e-wallets, Deel Card, Wise, Revolut	120+ (180+ for bank transfers in the withdrawal guide)	From $49 per contractor per month; Contractor of Record from $325 per contractor of record per month	150+ (200+ countries and jurisdictions on the contractor page)	G2 4.7 (7,396) · Capterra 4.85 (4,319) · Trustpilot 4.6 (9,731)
Multiplier	Mid-market exchange rate without a markup (general FAQ); “no hidden fees” on the contractor page	Same-day contractor payment processing	Bank transfer, PayPal and Payoneer among the options	120+	$40 per contractor per month, billed annually; Contractor of Record $400, billed annually, plus compliance-mandated add-ons and an implementation fee as applicable	150+ (Contractor of Record page)	G2 4.7 · Capterra 4.42 (45) · Trustpilot 4.8 (2,868)
Oyster	No fee when no foreign exchange is required; a conversion fee applies only if you pay in a currency different from the contract currency	1–2 days on local rails; about 4 days, up to 7, on international rails	Bank account in the payout currency	120+	Free for 30 days, then USD 29 per contractor per month	180+	G2 4.4 (1,624) · Capterra 4.57 (91) · Trustpilot 3.8 (272)
Pebl (formerly Velocity Global)	Standard payout free; 3% conversion fee if paid in a currency that differs from the one in the client agreement; instant payout 2% (minimum $0.50)	Standard ACH (U.S.) 1–2 business days; global bank account 3–5 business days	U.S. bank account, debit card, Wingspan Wallet (U.S. only); global bank account	37+	No information found	180+	G2 4.6 (617) · Trustpilot 3.2 (6); no reviews on Capterra
Remote	No additional fee on same-currency payouts via local networks; SWIFT partners may deduct $5–$15; FX cost depends on the invoice currency	Most within 2 days of Remote receiving the invoice payment; 1–3 business days after funds are received in the help center	Bank account; digital wallet among the options	70+ (73 on the product page)	Contractor Management from $29 per active contractor per month; Contractor of Record from $325 per contractor per month	180+ (190+ on the pricing page)	G2 4.5 (5,450) · Capterra 4.34 (102) · Trustpilot 4.6 (3,542)
Rippling	No information found	Typically 2–4 days after pay runs are approved, until funds are in the contractor's balance	Bank transfer, Wise, Revolut, debit cards and more	50+	Global Contractors from $30 per month; custom quote for other services	185+	G2 4.7 (14,754) · Capterra 4.86 (4,886) · Trustpilot 4.6 (2,635)

7 Horizon Payroll alternatives in 2026

The providers are listed in alphabetical order; 4dev.com comes first because its name starts with a digit.

4dev.com

4dev.com presents onboarding and administering contractors in 150+ countries [3] under “One B2B agreement” [5]. It publishes that the platform checks contractors’ documents and statuses during onboarding [3]. The facts below are as published on its pricing, contractors and countries pages, checked 1 November 2026.

• Agreement: 4dev.com publishes “One B2B agreement” [5].
• Verification: 4dev.com publishes “built-in KYB/KYC checks” [1]. It also publishes that each contractor completes onboarding themselves [3].
• Documents and records: 4dev.com publishes that tasks, statuses, contracts and closing documents are “all in one place,” and that the full history is available at any time to your team, accounting, an auditor or an investor [6]. It also publishes “audit-ready documents instantly” [1].
• For contractors: 4dev.com publishes “no contractor-side service fees” on its pricing page [1] and “No contractor-side platform fee” on its contractors page [2]. It publishes that contractors download documents and supporting records instantly and get real human support [1].
• Price for the company: 4dev.com publishes a service fee of 3% or less, depending on monthly volume [1]. It says: “Pay only for completed contractor workflows. No subscriptions, no hidden charges. The higher your monthly volume, the lower your rate.” [1] You do not pay just for having an account, and service fees apply only when contractor-related operations are completed through the platform [1].
• Countries for contractors: 150+ [2], with a complete list of countries published on its countries page [4].

What reviewers say

Ratings: G2 5.0 (3 reviews) · Trustpilot 4.1 (56 reviews); no reviews on Capterra. Of the 59 most recent reviews we read (published October 2024 – October 2026), 16 come from companies, 28 from people who work through the service and 15 are unclear.

Most frequent praise:

• Support is responsive and helpful — 27 of 59 reviews (example, Trustpilot)
• Payouts arrive quickly — 18 of 59 reviews (example, G2)
• The platform is easy to use — 16 of 59 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 7 of 59 reviews (example, Trustpilot)
• The platform is hard to use or missing features — 6 of 59 reviews (example, G2)
• Verification issues or account holds — 6 of 59 reviews (example, Trustpilot)

It may suit you if…

• You want a fee tied to completed contractor workflows, with no subscription: 4dev.com publishes a fee of 3% or less that falls as monthly volume rises [1].
• You want a platform that publishes no service fee on the contractor's side: 4dev.com publishes this [1][2], and Deel [10], Oyster [20], Pebl [24] and Remote [31] also state no fee in some set-ups.
• You want one agreement and one place for contracts, closing documents and history [5][6].

When 4dev.com is not the right fit

4dev.com presents the platform as “built for B2B contractor relationships, not traditional employment workflows” [5]. If you hire employees, the guide linked in “Who this is for” covers that. If you need a contractor-side figure that the pages do not give, ask the team in the demo.

Deel

Deel states that you can onboard and manage contractors in 200+ countries and jurisdictions [12]. It lists standard contractor management at $49 per contractor per month, with prices checked November 2026 [12].

• Fees and FX for the contractor: Deel states it does not charge a withdrawal fee for Wise, though separate transaction and exchange fees may apply [10]. For Instant Card Transfer outside the US, Deel gives in its withdrawal guide a 2% fee, capped at $15, with a minimum withdrawal of $5, plus any applicable foreign exchange rates [10]. Fees are listed per method. Deel also states it provides “competitive exchange rates” with “minimal fees” [11].
• Payout speed: Deel lists in its withdrawal guide an estimated time per method, from instant to 5–7 business days [10].
• Payout methods: Deel lists instant card transfer, local bank transfer, SWIFT, major e-wallets and the Deel Card among its withdrawal methods [10]. On its contractor page it lists Wise and Revolut among its payout options [12].
• Payout currencies: Deel states payments in 120+ currencies [11] and, on its contractor page, 120+ currencies across 200+ countries and jurisdictions [12]. Its withdrawal guide lists 180+ supported currencies [10].
• Price for the company: Deel lists on its pricing page contractor management “Starting at” $49 per contractor per month and Contractor of Record from $325 per contractor of record per month [11]. It states “clear, upfront pricing with no surprise fees” [11].
• Countries for contractors: Deel states 150+ countries in its guide to paying foreign contractors [13] and on its contractor page [12]. The contractor page also states 200+ countries and jurisdictions [12].

What reviewers say

Ratings: G2 4.7 (7,396 reviews) · Capterra 4.85 (4,319 reviews) · Trustpilot 4.6 (9,731 reviews). Of the 300 most recent reviews we read (published February 2026 – October 2026), 37 come from companies, 177 from people who work through the service and 86 are unclear. 194 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 170 of 300 reviews (example, G2)
• Setup and onboarding are quick — 67 of 300 reviews (example, G2)
• Payouts arrive quickly — 59 of 300 reviews (example, G2)

Most frequent complaints:

• Fees or exchange rates are high or unclear — 34 of 300 reviews (example, G2)
• Support is slow or hard to reach — 24 of 300 reviews (example, G2)
• The platform is hard to use or missing features — 17 of 300 reviews (example, G2)

It may suit you if…

• You want a published price per contractor and a Contractor of Record option at its own price: Deel lists both [11], and Multiplier [17] and Remote [35] list a Contractor of Record price as well.
• You want a stated choice of withdrawal methods that includes Wise and Revolut: Deel lists both among its payout options [12].
• You want estimated times published per withdrawal method: Deel lists them in its withdrawal guide [10].

Multiplier

Multiplier states that its Contractor of Record product delivers “compliance, seamless payments, and easy contractor management in 150+ countries” [18]. On its pricing page, Multiplier lists a contractor management plan and a Contractor of Record plan, with prices checked November 2026 [17].

• Fees and FX for the contractor: Multiplier states that you can view payment breakdowns for each contractor upfront [14]. It states you can pay foreign contractors in 120+ currencies “with no delays or hidden fees” [14]. In its general FAQ, Multiplier states it uses the prevailing mid-market exchange rate without adding a markup [15].
• Payout speed: Multiplier states same-day contractor payment processing [14].
• Payout methods: Multiplier lists bank transfer, PayPal and Payoneer among the available options [16].
• Payout currencies: Multiplier states multi-currency payouts in over 120 currencies [14].
• Price for the company: Multiplier lists $40 per contractor per month, billed annually, for contractor management [17]. For its Contractor of Record plan it lists $400 per contractor per month, billed annually, plus compliance-mandated add-ons and an implementation fee as applicable [17].
• Countries for contractors: Multiplier states 150+ countries on its Contractor of Record page [18].

What reviewers say

Ratings: G2 4.7 · Capterra 4.42 (45 reviews) · Trustpilot 4.8 (2,868 reviews). Of the 245 most recent reviews we read (published November 2021 – October 2026), 121 come from companies, 54 from people who work through the service and 70 are unclear. 140 of 145 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 177 of 245 reviews (example, G2)
• The platform is easy to use — 72 of 245 reviews (example, G2)
• Setup and onboarding are quick — 49 of 245 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 21 of 245 reviews (example, G2)
• Errors in payments, invoices or the platform — 17 of 245 reviews (example, G2)
• Pricing is high for companies — 7 of 245 reviews (example, Trustpilot)

It may suit you if…

• You want the contractor and Contractor of Record prices on one page, with the billing basis stated: Multiplier lists both, billed annually [17].
• You want a stated same-day processing time: Multiplier states same-day contractor payment processing [14].
• You want a stated mid-market rate with no markup: Multiplier states this in its general FAQ [15].

Oyster

Oyster states that it offers “a fully self-serve platform to hire, pay, and manage contractors in 180+ countries” [22].

• Fees and FX for the contractor: Oyster states that when no foreign exchange is required, it does not charge a fee for receiving or sending payment [20]. It states it charges a conversion fee only if you pay it in a currency different from the contract currency [19]. When the agreement is in another currency and the contractor wants to be paid in the local currency, Oyster states it converts at “a competitive exchange rate” and the contractor bears the monthly FX fluctuations [20]. When the agreement is in the local currency, Oyster states the employer takes on the foreign exchange risk and the monthly invoice fluctuates [20].
• Payout speed: Oyster states that when the payout currency is local, funds take 1–2 days to be available to contractors [21]. When the payout currency is foreign, Oyster states funds take about 4 days on average, and up to 7 days in certain cases [21].
• Payout methods: Oyster states that the payment currency is the same as the currency of the bank account the contractor adds when creating an Oyster account [20].
• Payout currencies: Oyster states contractor payments in 120+ currencies [19][22].
• Price for the company: Oyster lists free for 30 days, then USD 29 per contractor per month, with prices checked November 2026 [19]. On its global contractor page, Oyster lists $29 per month [22].
• Countries for contractors: Oyster states 180+ countries supported [22].

What reviewers say

Ratings: G2 4.4 (1,624 reviews) · Capterra 4.57 (91 reviews) · Trustpilot 3.8 (272 reviews). Of the 291 most recent reviews we read (published March 2022 – October 2026), 70 come from companies, 206 from people who work through the service and 15 are unclear. 123 of 191 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 160 of 291 reviews (example, G2)
• Support is responsive and helpful — 129 of 291 reviews (example, G2)
• Setup and onboarding are quick — 64 of 291 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 30 of 291 reviews (example, G2)
• Payouts are delayed — 14 of 291 reviews (example, G2)
• Pricing is high for companies — 9 of 291 reviews (example, G2)

It may suit you if…

• You want a price stated after a free first 30 days: Oyster lists this [19].
• You want payout times published for local and international rails: Oyster states both [21].
• You want the foreign exchange scenarios described before you choose the invoice currency: Oyster describes them in its help center [20].

Pebl (formerly Velocity Global)

Pebl presents its contractor management platform as a way to “scale your contingent workforce on a single contractor management platform,” with onboarding across 180+ countries [29]. Pebl states “Velocity Global is now Pebl.” [28]

• Fees and FX for the contractor: Pebl lists a standard payout as free [24]. It states a 2% fee for instant payouts, with a minimum of $0.50 [25]. Pebl states a currency conversion fee of 3% applies when the contractor chooses to be paid in a currency that differs from the one stipulated in the agreement with the client [23]. For Platform Balance, Pebl states a transfer is converted at market rates with no conversion fees [26].
• Payout speed: Pebl lists Standard ACH (U.S.) at 1–2 business days and a global bank account at 3–5 business days [27]. Pebl's payout-methods help article states that Instant payout is only available to contractors within the US [24], and its how-you-get-paid article states that it is only available to contractors within the U.S. and Canada [27].
• Payout methods: Pebl states it supports several payout methods [27]. It states most debit cards issued by U.S. banks are compatible [27] and lists Wingspan Wallet as U.S. only [27]. Outside the U.S., Pebl states it converts deposits into the contractor's chosen local currency and deposits them into the bank account [24].
• Payout currencies: Pebl states payments in 37+ currencies across 180+ countries [27]. It states Platform Balance holds funds in USD, CAD or EUR [26].
• Price for the company: No information found.
• Countries for contractors: Pebl states onboarding across 180+ countries [29] and payments across 180+ countries [27].

What reviewers say

Ratings: G2 4.6 (617 reviews) · Trustpilot 3.2 (6 reviews); no reviews on Capterra. Of the 106 most recent reviews we read (published June 2024 – October 2026), 64 come from companies, 40 from people who work through the service and 2 are unclear. 89 of 100 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 75 of 106 reviews (example, G2)
• Support is responsive and helpful — 51 of 106 reviews (example, G2)
• Setup and onboarding are quick — 36 of 106 reviews (example, G2)

Most frequent complaints:

• Setup or onboarding is slow — 7 of 106 reviews (example, G2)
• Support is slow or hard to reach — 6 of 106 reviews (example, G2)
• Problems with contracts, invoices or compliance documents — 5 of 106 reviews (example, G2)

It may suit you if…

• You want a stated free standard payout: Pebl lists it [24].
• You want timings published for ACH and global bank accounts: Pebl lists both [27].
• You want a conversion fee stated as a percentage: Pebl states 3% for the case above [23].

Remote

Remote states that you can onboard and pay contractors in 190+ countries [35].

• Fees and FX for the contractor: Remote states it does not charge any additional fees for same-currency payments made via local payment networks [31]. For payments via SWIFT, Remote states its payment partners may deduct $5–$15 depending on the bank [31]. When the contractor invoices in their own currency, Remote's help center states the customer bears FX costs [30], and Remote states “No FX risk for contractors”: it covers the cost of currency conversion, protects against exchange rate fluctuations and absorbs transaction processing fees [30]. Remote states this applies in most cases, but not when funds go into the contractor's Stripe Connect account and not for COP, JPY, UGX or BRL [30]. When the contractor invoices in the customer's billing currency, Remote's help center states the contractor bears FX costs [30].
• Payout speed: Remote states most payments arrive in the contractor's bank account within 2 days of Remote receiving the invoice payment [31]. Its help center states 1–3 business days after funds are received, depending on the contractor's bank location and currency [33]. Remote also states that 70% of contractor payments are instant and 91% of invoices are paid the next day [32].
• Payout methods: Remote's help center states contractors can trigger a payout to their bank account [34]. Remote lists a digital wallet among its payout options [32].
• Payout currencies: Remote states payouts in 73 currencies on its contractor management page [32] and 70+ currencies on its pricing page [35]. Its blog states 70+ currencies in over 180 countries [36].
• Price for the company: Remote states Contractor Management starts at $29 per active contractor per month [32]. It lists Contractor of Record starting at $325 per contractor per month [35]. Remote states there are no hidden fees beyond the 3.5% credit card service fee [32], no standard deposit or deposit fee [35] and no setup or onboarding fees [35].
• Countries for contractors: Remote states 190+ countries on its pricing page [35] and 180+ countries on its payout explorer [31].

What reviewers say

Ratings: G2 4.5 (5,450 reviews) · Capterra 4.34 (102 reviews) · Trustpilot 4.6 (3,542 reviews). Of the 300 most recent reviews we read (published February 2021 – October 2026), 96 come from companies, 119 from people who work through the service and 85 are unclear. 194 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• Support is responsive and helpful — 171 of 300 reviews (example, G2)
• The platform is easy to use — 136 of 300 reviews (example, G2)
• Setup and onboarding are quick — 64 of 300 reviews (example, G2)

Most frequent complaints:

• Support is slow or hard to reach — 30 of 300 reviews (example, G2)
• Pricing is high for companies — 18 of 300 reviews (example, G2)
• Setup or onboarding is slow — 16 of 300 reviews (example, G2)

It may suit you if…

• You want the SWIFT deduction range and the no-fee case for same-currency local payouts stated: Remote states both [31].
• You want no standard deposit and no setup or onboarding fees stated: Remote states both [35].
• You want the allocation of FX costs by invoice currency described in the help center: Remote describes it [30].

Rippling

Rippling states that its Global Contractors product lets you “onboard contractors in 185+ different countries within minutes” [37]. It says it “pays international contractors in days, not weeks” [37].

• Fees and FX for the contractor: No information found.
• Payout speed: Rippling states that after pay runs are approved, it typically takes 2–4 days for funds to arrive in a contractor's balance, depending on the bank that funds contractor payroll [39]. It names instant transfer among its send options on its contractor management page [38].
• Payout methods: Rippling lists bank transfer, Wise, Revolut, debit cards and more [40].
• Payout currencies: Rippling states payments in 50+ currencies across 185+ countries [40] and 50+ local currencies on its Global Contractors page [37].
• Price for the company: Rippling lists Global Contractors from $30 per month [40]. For other services, it states it will send a custom quote [41].
• Countries for contractors: Rippling states 185+ countries on its Global Contractors page [37] and on its paid global contractors page [40].

What reviewers say

Ratings: G2 4.7 (14,754 reviews) · Capterra 4.86 (4,886 reviews) · Trustpilot 4.6 (2,635 reviews). Of the 300 most recent reviews we read (published November 2024 – October 2026), 102 come from companies, 109 from people who work through the service and 89 are unclear. 186 of 200 reviews are marked as incentivized by the platform.

Most frequent praise:

• The platform is easy to use — 194 of 300 reviews (example, G2)
• Setup and onboarding are quick — 40 of 300 reviews (example, G2)
• Support is responsive and helpful — 26 of 300 reviews (example, Trustpilot)

Most frequent complaints:

• The platform is hard to use or missing features — 32 of 300 reviews (example, G2)
• Pricing is high for companies — 23 of 300 reviews (example, G2)
• Support is slow or hard to reach — 18 of 300 reviews (example, G2)

It may suit you if…

• You want a monthly price for Global Contractors on a landing page: Rippling lists it [40].
• You want named payout methods that include Wise, Revolut and debit cards: Rippling lists them [40].
• You want a stated timing after pay-run approval: Rippling states 2–4 days [39].

End-to-end cost: what each provider states about price and extra charges

The providers state price in three units, an amount per contractor per month, a flat monthly amount and a percentage fee, as checked in November 2026.

Prices as stated:

• Deel lists contractor management from $49 per contractor per month [11].
• Multiplier lists $40 per contractor per month, billed annually [17].
• Oyster lists USD 29 per contractor per month after 30 free days [19].
• Remote lists Contractor Management from $29 per active contractor per month [32].
• Rippling lists Global Contractors from $30 per month [40].
• 4dev.com publishes a service fee of 3% or less, depending on monthly volume [1].
• Horizon Payroll Solutions, the reference provider, states month-by-month service under a “no contracts” policy [8] and a customized approach to your needs and budget [9].

Extra charges and conditions as stated:

• Remote states there are no hidden fees beyond a 3.5% credit card service fee [32], and its payment partners may deduct $5–$15 on SWIFT payments [31].
• Multiplier lists compliance-mandated add-ons and an implementation fee as applicable for its Contractor of Record plan [17].
• Oyster states a conversion fee applies only if you pay in a currency different from the contract currency [19].
• Pebl states a 3% conversion fee in the case of a currency that differs from the one in the client agreement [23], and a 2% fee for instant payouts, with a minimum of $0.50 [25].
• Deel gives a 2% fee, capped at $15, for Instant Card Transfer outside the US [10], and states “clear, upfront pricing with no surprise fees” [11].
• Rippling states it sends a custom quote for other services [41].
• 4dev.com publishes “No subscriptions, no hidden charges,” with a rate that falls as monthly volume rises [1].
• Horizon Payroll Solutions lists “No Hidden Set-Up Fees or Complicated Contracts” [7].
• Remote states it does not charge a standard deposit or deposit fee [35].

Horizon Payroll alternatives by scenario

Deel, Multiplier and Remote list a Contractor of Record price, and six providers state a payout timing or range, in different forms; the four starting questions below group these statements.

Contractor-only team

Deel lists a Contractor of Record price from $325 per contractor of record per month [11], Multiplier $400 per contractor per month, billed annually [17], and Remote from $325 per contractor per month [35]. Deel, Multiplier, Oyster, Pebl, Remote and Rippling each state a payout timing or range:

• Deel: from instant to 5–7 business days, by withdrawal method [10].
• Multiplier: same-day contractor payment processing [14].
• Oyster: 1–2 days on local rails, and about 4 days, up to 7, on international rails [21].
• Pebl: Standard ACH (U.S.) in 1–2 business days and a global bank account in 3–5 business days [27].
• Remote: most payments within 2 days of Remote receiving the invoice payment [31].
• Rippling: typically 2–4 days after pay runs are approved [39].

Employees

If you hire employees, see our guide to employer of record services.

Domestic W-2 payroll

If you run payroll for employees in one country, see our guide to payroll software and services for business.

Mixed workforce

Comparing contractor platforms and choosing an Employer of Record are two separate questions. Our article on agent of record vs employer of record covers the second.

What to verify on a demo

Put the same seven questions to any provider, the one you use today included, and get the answers in writing before you pick a Horizon Payroll alternative:

1. Who signs the agreement with the contractor: you, the provider as Contractor of Record, or the contractor's own entity?
2. What is the all-in cost per contractor per month: base price, card surcharge, FX, withdrawal fees and add-ons? Remote, for example, states a 3.5% credit card service fee [32], and Multiplier lists an implementation fee as applicable for its Contractor of Record plan [17].
3. How many business days pass from your payment to funds in the contractor's account, by country and payout method? Oyster, for example, states different times for local and international rails [21].
4. What KYC does the contractor go through, and how long does it take?
5. Is there a deposit or prepayment? Remote, for example, states it does not charge a standard deposit [35].
6. Which records can finance, an auditor or an investor get on request, and in what format?
7. How does offboarding work, and are there fees to end an engagement?

How to switch from Horizon Payroll to another platform

To switch, map your current flows, export contracts and pay history, check coverage and price on your own volume, and pilot with one region or cohort before you move everyone.

1. Map who is on payroll, contractor, Contractor of Record or EOR flows.
2. Export contracts, invoice and pay history, and approval logic.
3. Check the new provider's country coverage for your active markets.
4. Rebuild the price on your actual monthly volume.
5. Pilot with one region or cohort, and keep the old path running until one complete document cycle has landed on the new platform.

Final thoughts

There is no single best Horizon Payroll alternative: the right one depends on your set-up, meaning the countries your contractors work from, the price unit you can plan around and the payout terms you need.

The table shows where each provider states a point, where we found nothing, and where to ask the 4dev.com team. Confirm what matters to you in writing before you commit.

FAQ

Do I need an Employer of Record (EOR) if I only use contractors?

An Employer of Record legally employs your full-time hires in a country where you have no entity. A Contractor of Record is a model for engaging independent contractors in which the provider takes the contracting role, which may reduce misclassification risk. Which one fits depends on whether the relationship is employment or contracting. Deel, Multiplier and Remote list a Contractor of Record price [11][17][35].

How much do Horizon Payroll alternatives cost?

Prices as stated on the pages checked in November 2026, which do not make a complete list; the price of a Horizon Payroll alternative depends on the unit each provider uses:

• 4dev.com: service fee of 3% or less, depending on monthly volume [1]
• Deel: from $49 per contractor per month [11]
• Multiplier: $40 per contractor per month, billed annually [17]
• Oyster: free for 30 days, then USD 29 per contractor per month [19]
• Remote: Contractor Management from $29 per active contractor per month [32]
• Rippling: Global Contractors from $30 per month [40]
• Horizon Payroll Solutions, the reference provider: month-by-month service under a “no contracts” policy [8] and a customized approach to your needs and budget [9]

Who pays currency conversion and withdrawal costs?

Each provider states it differently:

• Remote: the invoice currency decides who bears FX costs [30], and SWIFT partners may deduct $5–$15 depending on the bank [31].
• Oyster: a conversion fee applies only if you pay in a currency different from the contract currency [19]; when the agreement is in another currency and the contractor wants local currency, the contractor bears FX fluctuations, and when the agreement is in the local currency, the employer takes the FX risk [20].
• Pebl: a 3% conversion fee applies when the contractor is paid in a currency that differs from the one in the client agreement [23], a standard payout is free [24] and an instant payout costs 2% [25].
• Deel: no withdrawal fee for Wise, and for Instant Card Transfer outside the US a 2% fee capped at $15, with a minimum withdrawal of $5 [10].

Several providers state no contractor-side fee in at least one set-up: Deel [10], Oyster [20], Pebl [24] and Remote [31].

How many countries and currencies do these providers cover?

Providers state these figures for contractors:

• 4dev.com: 150+ countries [2]
• Deel: 150+ countries [13], 200+ on one page [12], and 120+ currencies [11], 180+ for bank transfers on another page [10]
• Multiplier: 150+ countries [18] and 120+ currencies [14]
• Oyster: 180+ countries [22] and 120+ currencies [19]
• Pebl: 180+ countries [29] and 37+ currencies [27]
• Remote: 180+ countries [31], 190+ on one page [35], and 70+ currencies [35]
• Rippling: 185+ countries [37] and 50+ currencies [40]

Horizon Payroll Solutions, the reference provider, states nearly 1,000 customers in 40 states [8]. Check the country list for your contractors' countries on each provider's own page; for 4dev.com, see its countries page.

What does Horizon Payroll state about contracts and pricing?

Horizon Payroll states a “no contracts” policy, so you can pay for service month-by-month [8]. It lists “No Hidden Set-Up Fees or Complicated Contracts” [7]. It says it will work out “a customized approach that is best suited to your company's needs and budget” [9].

Sources

Provider pages as accessed on the dates shown. Competitor addresses are given as plain text.

4dev.com

• [1] 4dev.com, pricing — https://4dev.com/pricing/ — accessed 1 November 2026
• [2] 4dev.com, contractors — https://4dev.com/contractors/ — accessed 1 November 2026
• [3] 4dev.com, home page — https://4dev.com/ — accessed 1 November 2026
• [4] 4dev.com, countries — https://4dev.com/countries/ — accessed 1 November 2026
• [5] 4dev.com, global compliance — https://4dev.com/global-compliance/ — accessed 1 November 2026
• [6] 4dev.com, for CFOs — https://4dev.com/cfo/ — accessed 1 November 2026

Horizon Payroll Solutions (reference)

• [7] Horizon Payroll Solutions, payroll management — https://www.horizonpayrollsolutions.com/solutions/payroll-management — accessed 9 November 2026
• [8] Horizon Payroll Solutions, FAQs — https://www.horizonpayrollsolutions.com/resources/faqs — accessed 9 November 2026
• [9] Horizon Payroll Solutions, payroll partner — https://www.horizonpayrollsolutions.com/payroll-partner — accessed 9 November 2026

Deel

• [10] Deel, contractor payment withdrawal options — https://www.deel.com/blog/contractor-payment-withdrawal-options-on-deel/ — accessed 1 November 2026
• [11] Deel, pricing — https://www.deel.com/pricing/ — accessed 1 November 2026
• [12] Deel, contractors — https://www.deel.com/solutions/payroll/contractors/ — accessed 1 November 2026
• [13] Deel, how to pay foreign independent contractors — https://www.deel.com/blog/how-to-pay-foreign-independent-contractors/ — accessed 1 November 2026

Multiplier

• [14] Multiplier, contractor invoicing and payments — https://usemultiplier.com/solutions/contractor-invoicing-and-payments — accessed 2 November 2026
• [15] Multiplier, FAQ — https://www.usemultiplier.com/faq — accessed 2 November 2026
• [16] Multiplier, contractor management system — https://www.usemultiplier.com/product/contractor-management-system — accessed 2 November 2026
• [17] Multiplier, pricing — https://www.usemultiplier.com/pricing — accessed 2 November 2026
• [18] Multiplier, Contractor of Record — https://www.usemultiplier.com/product/contractor-of-record — accessed 1 November 2026

Oyster

• [19] Oyster, pricing — https://www.oysterhr.com/pricing — accessed 2 November 2026
• [20] Oyster help center, how does foreign exchange work for contractors — https://support.oysterhr.com/hc/en-us/articles/34395783875345-How-does-foreign-exchange-work-for-contractors — accessed 2 November 2026
• [21] Oyster help center, how do invoices and the payment process work for contractors — https://support.oysterhr.com/hc/en-us/articles/34395868832017-How-do-invoices-and-the-payment-process-work-for-contractors — accessed 2 November 2026
• [22] Oyster, global contractor — https://www.oysterhr.com/how-it-works/global-contractor — accessed 2 November 2026

Pebl

• [23] Pebl help center, currency conversion fee — https://contractorhelp.hellopebl.com/en/articles/9714617-currency-conversion-fee — accessed 8 November 2026
• [24] Pebl help center, payout methods — https://contractorhelp.hellopebl.com/en/articles/9624005-payout-methods — accessed 8 November 2026
• [25] Pebl help center, instant payout FAQs — https://contractorhelp.hellopebl.com/en/articles/9624030-instant-payout-faqs — accessed 8 November 2026
• [26] Pebl help center, platform balance — https://contractorhelp.hellopebl.com/en/articles/11995798-platform-balance — accessed 8 November 2026
• [27] Pebl help center, how you get paid — https://contractorhelp.hellopebl.com/en/articles/9624013-how-you-get-paid — accessed 8 November 2026
• [28] Pebl, home page — https://hellopebl.com/ — accessed 8 November 2026
• [29] Pebl, contractor management — https://hellopebl.com/platform/contractor-management/ — accessed 8 November 2026

Remote

• [30] Remote help center, article 4416621389069 (contractor invoicing currency and payouts) — https://support.remote.com/hc/en-us/articles/4416621389069 — accessed 2 November 2026
• [31] Remote, contractor payout explorer — https://remote.com/resources/contractor-payout-explorer — accessed 2 November 2026
• [32] Remote, contractor management — https://remote.com/global-hr/contractor-management — accessed 1 November 2026
• [33] Remote help center, article 4406803200013 (payout timing) — https://support.remote.com/hc/en-us/articles/4406803200013 — accessed 2 November 2026
• [34] Remote help center, article 5499542053261 (payouts) — https://support.remote.com/hc/en-us/articles/5499542053261 — accessed 2 November 2026
• [35] Remote, pricing — https://remote.com/pricing — accessed 2 November 2026
• [36] Remote, blog: borderless payments for contractors — https://remote.com/blog/contractor-management/borderless-payments-contractors-flexible-currency-options — accessed 2 November 2026

Rippling

• [37] Rippling, global contractors (product page) — https://www.rippling.com/products/global/global-contractors — accessed 2 November 2026
• [38] Rippling, contractor management — https://www.rippling.com/contractor-management — accessed 2 November 2026
• [39] Rippling, global contractors — https://www.rippling.com/global-contractors — accessed 2 November 2026
• [40] Rippling, paid global contractors — https://www.rippling.com/paid-global-contractors — accessed 2 November 2026
• [41] Rippling, pricing — https://www.rippling.com/pricing — accessed 2 November 2026

Review platforms

Ratings and reviews as of 27 October 2026; 4dev.com on G2 as of 8 November 2026.

• 4dev.com: G2 5.0 (3 reviews) — accessed 8 November 2026; Trustpilot 4.1 (56 reviews) — accessed 27 October 2026; no reviews on Capterra
• Deel: G2 4.7 (7,396 reviews) · Capterra 4.85 (4,319 reviews) · Trustpilot 4.6 (9,731 reviews) — accessed 27 October 2026
• Multiplier: G2 4.7 · Capterra 4.42 (45 reviews) · Trustpilot 4.8 (2,868 reviews) — accessed 27 October 2026
• Oyster: G2 4.4 (1,624 reviews) · Capterra 4.57 (91 reviews) · Trustpilot 3.8 (272 reviews) — accessed 27 October 2026
• Pebl (formerly Velocity Global): G2 4.6 (617 reviews) · Trustpilot 3.2 (6 reviews); no reviews on Capterra — accessed 27 October 2026
• Remote: G2 4.5 (5,450 reviews) · Capterra 4.34 (102 reviews) · Trustpilot 4.6 (3,542 reviews) — accessed 27 October 2026
• Rippling: G2 4.7 (14,754 reviews) · Capterra 4.86 (4,886 reviews) · Trustpilot 4.6 (2,635 reviews) — accessed 27 October 2026
• Horizon Payroll Solutions (reference): no reviews on G2, Capterra, Trustpilot — accessed 27 October 2026

Review data collected 27 October 2026; 4dev.com on G2 as of 8 November 2026.