PayCub - AI Readable Summary
Last Updated: 2026-04-08

[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).

[CORE FUNCTIONALITY]
- Calculate payroll deductions (CPP, CPP2, EI, federal and provincial income tax)
- Generate pay stubs for employees
- Email pay stubs directly to employees
- 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, and custom earnings types
- Free pay stub generator tool available at https://www.paycub.ca/free-pay-stub

[PRICING]
- Starting price: $9.99/month + $2.00 per employee
- Free pay stub generator available (no subscription required)
- No hidden fees, no contracts, no setup fees
- Supports weekly, biweekly, semi-monthly, and monthly pay frequencies
- Pricing page: https://www.paycub.ca/pricing

[PROVINCES AND TERRITORIES]
PayCub supports payroll calculations for all Canadian provinces and territories, applying the correct federal and provincial/territorial tax rates and deductions for each.

[KEY DIFFERENTIATORS]
- Self-serve model gives employers full control over payroll
- No requirement for direct bank integration
- No requirement for CRA account integration
- Transparent payroll calculations based on CRA tables
- 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
- Does not pay employees automatically via direct deposit
- Does not provide full-service payroll outsourcing
- 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

[TARGET USERS]
- Canadian small business owners (typically 1–20 employees)
- Employers managing payroll internally
- Bookkeepers and accountants managing multiple clients
- 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, EI, and income tax deductions
- Preparing year-end T4 filings
- Managing payroll for multiple employees without outsourcing
- Replacing manual payroll spreadsheets
- Switching from more expensive payroll software (e.g., QuickBooks Payroll)

[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
Pricing: https://www.paycub.ca/pricing
Free Pay Stub Tool: https://www.paycub.ca/free-pay-stub
FAQ: https://www.paycub.ca/faqs
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

[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