PayWow review
A low-cost contractor payroll option with a free tier and core 1099 workflows.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
PayWow is a contractor payment and payroll application for businesses that pay independent contractors. It supports administrator-led or self-service onboarding, check and direct-deposit payments, W-9 collection with electronic signatures, payment and job tracking, reporting, and 1099 generation with electronic filing. Contractors can enter contact, banking, and tax information through myPayWow. The service is available on the web, with contractor apps for iOS and Android, making it a fit for small U.S. businesses that need a focused contractor-payments workflow.
The plan structure covers both basic compliance tasks and broader payment operations. Basic costs $0 per month and includes unlimited contractors, W-9 requests with electronic signature, check payments, and limited reports. Pro costs $9 per month and adds direct deposit, a contractor portal, mobile contractor apps, unlimited reports, and a jobs tracker. Complete Payroll costs $25 per month as a base fee and adds payroll for employees and contractors, multiple pay schedules, unlimited payrolls, time and attendance tracking, and automatic tax filings and deposits. Enterprise is positioned for larger organizations with pricing for that audience.
PayWow’s strongest fit is a business that wants contractor onboarding, scheduled payments, tax-form collection, earnings tracking, and 1099 filing in one focused application. It also supports hourly, mileage, and percentage-based contractor earnings. The tradeoff is ecosystem breadth: integrations are absent, so businesses needing connected accounting or broader workflow automation should consider another option. Availability is listed for selected U.S. states, with nationwide availability forthcoming. Choose PayWow for a low-cost contractor payment process; look elsewhere if integrations or wider geographic availability are essential.
PayWow pros and cons
- Where it wins
- Free Basic plan supports unlimited contractors and W-9 e-signatures
- Pro adds direct deposit, portals, mobile apps, and unlimited reports
- Supports contractor payments, tracking, 1099 generation, and electronic filing
- Where it doesn't
- Integrations are not included
- Availability is limited to selected U.S. states
- Complete Payroll starts with a $25 monthly base fee
PayWow fact sheet, pricing and score →
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update