SecurePayStubs vs PayStubs.netWhich One Is Right for You?

Full Feature Comparison

Here's every feature we evaluated. Green rows indicate where one service has a clear advantage.

	Feature
✓ $4.99 flat	Price per stub	✗ From $11.99
✓ Yes — code FIRSTSTUB	Free first stub	✗ Not available
✓ Free add-on	Deposit slip	⚠ +$2.99 paid add-on
✓ Unlimited	Custom earnings	✓ Unlimited
✓ Unlimited	Custom deductions	✓ Unlimited
✓ Full tax calculation shown in the preview before payment	Tax preview before paying	✗ Hidden until after purchase
✓ Vacation, sick, custom	PTO / Time-off tracking	✗ Not available
⚠ Up to 12 stubs	Bulk historical stubs	✓ Up to 26 stubs
✓ Auto-calculated	Local / city tax	✓ Auto-calculated
✓ All 50 U.S. states	State tax — all 50 states	✓ All 50 U.S. states
✓ Current IRS tables	Federal tax (IRS W-4)	✓ Available
✓ Built-in	Multi-state employees	✓ Available
✓ Auto-updates	YTD tracking	✓ Auto-updates
✓ Save employee profiles	Address book	✗ Not available
✓ Data carries over	One-click next pay stub	✗ Re-enter every time
✓ 20+ designs, multi-color	Pay stub templates	⚠ Fewer template options
✓ Send from dashboard	Email to employee	✗ Not available
✓ Edit & re-download free	Self-service corrections	✗ Contact support required
✓ Native iOS & Android	Mobile app	✗ No mobile app
✓ Pay per stub only	Subscription required	✓ Pay per stub only
✓ Buy in advance and use whenever needed; credits never expire	Prepaid Pay Stub Credits	✗ Not available

SecurePayStubs

$4.99/stub

Flat price, free first stub, mobile app, 20+ templates

VS

PayStubs.net

$11.99/stub

Volume pricing available, No free paystubs

Based on published pricing at the time of writing, PayStubs.net base rate is roughly 4× higher than SecurePayStubs. PayStubs.net offers volume discounts when you generate multiple stubs, so the per-stub cost drops in bulk, but it still doesn't match SecurePayStubs flat $4.99 rate based on our checks.

Feature-by-Feature Breakdown

Here's a closer look at the features that matter most and how each service handles them.

1. Tax Transparency Before You Pay

   SecurePayStubs shows you the complete tax breakdown, federal, state, and local — before you pay or download anything. With PayStubs.net, those calculations are hidden until after the purchase is complete.

   Tax accuracy is often the main reason someone uses a stub generator. Not being able to verify the numbers before committing is a real drawback, especially when figures don't match your expectations and you've already paid.

2. Self-Service Corrections

   Mistakes happen — a misspelled employer name or an incorrect address. With SecurePayStubs, you fix it yourself and re-download instantly, at no extra cost. With PayStubs.net, corrections mean contacting their support team and waiting.

   This is a small thing until you're in a hurry and need an accurate document right now.

3. Address Book & One-Click Next Stub

   For anyone generating stubs on a regular schedule, saved employee profiles reduce repeated data entry, especially for businesses generating payroll on a recurring schedule. The address book saves your employer and employee profiles, so you don't re-enter them each time. The one-click "next pay stub" carries all existing data forward; you only update what's changed.

   PayStubs.net requires starting from scratch every single session. For a small business owner running biweekly payroll for even two or three employees, that's a lot of repeated data entry over time.

4. Mobile App

   SecurePayStubs has native apps for iOS and Android, with full feature parity to the desktop version. PayStubs.net is web-only with no dedicated mobile app. If you run your business on your phone or ever need to generate a stub while away from your desk, this is a genuine practical advantage.

5. Template Variety

   SecurePayStubs offers 20+ professional templates with multiple color and branding options. PayStubs.net provides three color choices: black, blue, grey and green. If the professional appearance of the stub matters for your situation — employer branding, client-facing documents, or just personal preference — SecurePayStubs gives you more to work with.

6. Deposit Slip Add-On

   SecurePayStubs includes a deposit slip as a free optional add-on with any stub. PayStubs.net charges an extra $4.99 for it every time, regardless of how many stubs you're generating. If you need deposit slips regularly, that fee adds up.

7. Tax Engine — Federal, State, Local

   Both services cover all 50 U.S. states, current IRS federal tax tables, local and city tax calculations, multi-state employee scenarios, and automatic year-to-date tracking. Neither has a meaningful edge here; the tax math appears reliable on both platforms.

8. Custom Earnings & Deductions

   Both platforms let you add unlimited custom earnings (overtime, tips, bonuses, commissions) and custom deductions (401k, health insurance, wage garnishments, and others). Neither restricts you to a fixed list. This is table stakes for any real-world payroll situation, and both handle it equally well.

9. Prepaid Pay Stub Credits

   Buy pay stub credits in advance and use them whenever you need to generate a stub. You don't need to enter your payment details for every purchase, and your unused credits never expire.

Who Should Use Which?

There's no universal "better“ answer here — it depends on your situation.

Final Verdict

Both SecurePayStubs and PayStubs.net are capable options for generating pay stubs, but they suit different needs. SecurePayStubs is the better all-around choice for most users, while PayStubs.net may be a better fit for those who primarily need to create multiple historical pay stubs in one session. Ultimately, the right choice depends on your specific requirements and how you plan to use the service.