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What is Warp?
Founded in 2023 and headquartered in New York City, Warp combines payroll, tax compliance, benefits, HR, and contractor payments in one platform. It serves more than 1,000 teams, with plans for startups through enterprises.
Warp is an AI-native payroll and employee-management platform for companies that want payroll, tax filings, benefits, HR administration, and contractor payments in one system. It automates federal, state, and local tax calculations and filings, state registrations, benefits enrollment, onboarding, PTO, expenses, and tax-notice workflows. Starter supports payroll and compliance in up to three states, while Pro and Enterprise extend coverage to all 50 states. Global contractor payments are available in more than 200 countries.
The platform covers payroll processing, automated tax filing, benefits administration, 401(k), onboarding, offboarding, PTO, expense reimbursement, training acknowledgements, background checks, reporting, and employee self-service. Its REST API, CLI, and MCP access are included on Starter and Pro, while Enterprise adds webhooks, higher limits, SLAs, custom ERP integrations, multi-entity support, and longer audit-log retention. The main limitation is plan segmentation: all-50-state coverage, SSO, RBAC, advanced reporting, and AI tax-notice resolution require Pro or higher.
Warp targets startups, small businesses, remote teams, and larger organizations with complex payroll or entity requirements. Starter costs $35 per person per month plus an $89 monthly platform fee, and Pro costs $50 per person per month plus $129. Enterprise pricing is custom and annual, with the platform fee waived. Add-ons include Warp IT at $15 per person per month and time tracking at $5 per tracked person per month. Warp states that implementation and migration fees are not charged.
Key features
Payroll processing
Runs full-service payroll with next-day processing, multiple pay schedules, AutoPay, off-cycle payroll, bonuses, and automated tax calculations.
Tax compliance
Handles tax registrations, federal, state, and local filings, state unemployment insurance, and tax-notice monitoring.
Benefits administration
Supports medical, dental, and vision benefits, 401(k), commuter benefits, wellness programs, carrier synchronization, and benefits enrollment.
Employee management
Provides onboarding, offboarding, employee profiles, PTO, expenses, training, document acknowledgements, and employee self-service.
Contractor payments
Supports US 1099 contractors and global contractor payments in more than 200 countries.
Compliance automation
Automates state registrations and ongoing filings, with AI-assisted resolution of tax notices on Pro and Enterprise plans.
Access and reporting
Adds advanced reporting, SSO, RBAC, audit logs, APIs, CLI, MCP, and enterprise webhooks according to plan.
Warp pricing
Starter costs $35 per person per month plus an $89 monthly platform fee. Pro costs $50 per person per month plus a $129 monthly platform fee, while Enterprise pricing is custom and annual. Warp states that implementation and migration fees are not charged, but government filing fees, carrier premiums, and other third-party pass-through costs may apply.
| Plan | Price | What's included |
|---|---|---|
| Starter | $35/person/month + $89 platform/monthMonthly or annual billing | Full-service payroll, next-day payroll, automated tax filing, state registrations, up to three states, benefits, 401(k), onboarding, PTO, expenses, global contractors, training, Checkr, API, CLI, MCP, and 30-day audit logs. |
| Pro | $50/person/month + $129 platform/monthMonthly or annual billing | Everything in Starter, all 50 states, AI tax-notice resolution, advanced reporting, ATS integrations, SSO, RBAC, and dedicated support. |
| Enterprise | CustomAnnual billing only; platform fee waived | Everything in Pro, NetSuite and custom ERP integrations, multi-entity support, enterprise API features, one-year audit-log retention, custom SLAs, security reviews, dedicated success management, and priority engineering. |
Free trial:
Pros & cons
Pros
- Starter includes payroll, benefits, contractor payments, and base API access without separate core modules.
- Pro extends payroll compliance to all 50 states without a per-state add-on fee.
- The platform combines payroll, benefits brokerage, HR workflows, and expenses in one system.
- Enterprise supports multi-entity operations, custom ERP integrations, webhooks, and longer audit-log retention.
Cons
- Starter limits multi-state payroll and compliance to three states.
- SSO, RBAC, advanced reporting, and AI tax-notice resolution require Pro or Enterprise.
- The mandatory platform fee is added to the per-person subscription price.
- Some accounting, HR, and workforce integrations remain listed as soon or coming soon.
Who is Warp best for?
- Startups that need payroll, benefits, and HR administration in one platform.
- Growing teams expanding payroll from a few states to all 50 states.
- Companies paying both US employees and global contractors.
- Finance and operations teams that need built-in tax registrations and filings.
Coverage
Integrations
Notable customers
Frequently asked questions
How much does Warp cost?
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Starter costs $35 per person per month plus an $89 monthly platform fee. Pro costs $50 per person per month plus a $129 monthly platform fee, while Enterprise is custom and billed annually. Warp also offers Warp IT for $15 per person per month and time tracking for $5 per tracked person per month.
How quickly can a company start using Warp?
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Warp says most startups can go live in under 10 minutes and run their first payroll the same day. Companies migrating from another provider generally complete the transition in one to two weeks. Warp states that migration and implementation fees are not charged.
How does Warp compare with Rippling?
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Warp combines payroll, benefits, tax compliance, HR administration, and optional IT tools in a single platform. Its published plans make three-state versus all-50-state payroll coverage, platform fees, and advanced access controls explicit; buyers comparing Rippling should evaluate those requirements against a detailed quote.
Which integrations does Warp support?
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Warp lists QuickBooks, Xero, NetSuite, and Rillet for accounting workflows, plus Ashby and Lever for recruiting. It also lists Checkr, Okta, Slack, Human Interest, Accrue, Vestwell, and Thatch. NetSuite and custom ERP integrations are Enterprise features.
Who is Warp designed for?
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Warp is designed for startups, small businesses, remote teams, and larger organizations with multi-state or multi-entity payroll needs. Starter suits teams operating in up to three states, while Pro and Enterprise support all 50 states. The platform also supports global contractor payments in more than 200 countries.
How does Warp handle payroll accuracy and security?
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Warp automates tax calculations, registrations, filings, and tax-notice workflows, with AI tax-notice resolution available on Pro and Enterprise. Starter includes 30-day audit logs, while Enterprise provides one-year retention, security reviews, custom SLAs, and higher-limit API features. G2 lists Warp at 4.4 out of 5 from 32 reviews.
Sources
Facts and pricing verified on October 19, 2026. Vendors change pricing often, so confirm with Warp before buying. How we research
