Cheapest employer of record 2026: 7 providers compared

In short

For a company that judges an EOR on the final bill rather than the headline fee, Teamed is the best EOR. Teamed gives you pricing with no hidden costs, zero FX markup and real HR and legal experts assigned within 24 hours, from $599 per employee per month.

Native Teams and Remofirst publish the lowest starting prices of the providers here, from $99 and $199 per employee per month. A starting price is where the bill begins, so compare the bill, not the headline.

Teamed wrote this list and puts itself first. Every rival figure below is that provider's own wording, read on its own page on 3 November 2026.

What does each EOR provider charge?

Here are the seven providers compared on this page, then two low-fee specialists, each in the provider's own words. Prices are starting prices for the EOR product. Statutory employer costs are not in them.

Pages change, so check the provider's page before you buy. For eight providers scored on one rubric, see cheapest EOR providers compared.

What goes on the bill besides the fee?

Four things sit around the fee: employer costs, currency conversion, deposits and whatever else the contract adds.

• Pay and statutory employer costs are owed with any provider, and they change by country. Teamed's employer cost calculator covers 94 countries and all 50 US states.
• Currency conversion is where a low fee can stop being low. The market average FX margin is 1.5 to 3%, hidden in the rate. Say you pay $60,000 a year in gross pay: a 2% margin costs you $1,200 a year. Teamed charges zero FX markup. To see what you pay today, upload an invoice to Teamed's FX Transparency Calculator: for each cross-border payroll line it works out the rate your provider applied and sets it against the mid-market rate for the invoice date.
• A deposit changes the cash you need up front. Teamed takes a refundable deposit of one month's gross salary. Ask every provider how much theirs is and when it comes back.
• Everything else in the contract belongs on the same page as the fee, so ask for every charge in writing. Teamed's honest invoice shows a full example, line by line.

Teamed named this the Hidden Global Employment Tax: everything you pay for in global employment that isn't the thing you actually wanted. Teamed removes it.

Why does Teamed come first here?

Teamed comes first because you get the bill you expected. The fee is from $599 per employee per month in 187+ countries, with $0 setup, $0 exit and zero FX markup, and you can cancel any month.

With Teamed, you have one less thing to worry about. A designated person manages your account. Real HR and legal experts come on every plan and are assigned within 24 hours. The first response comes within 15 minutes, with human support 24/5.

With Teamed, you hear it before you ask. Teamed tells you when EOR is no longer the right model and shows you the maths, on one system from your first contractor to your tenth entity. Onboarding starts from 24 hours once Teamed has your offer to the hire, the hire's details and documents, and your signed service terms.

What does Deel charge for EOR?

Deel's pricing page lists EOR starting at $599 per EOR employee per month, with full legal employment in 130+ countries. Deel is best for enterprises or small companies that want a fully self-serve platform. It says its EOR handles contracts, payroll, benefits and compliance, with on-demand HR, legal and tax expertise. Ask what the starting rate includes, and get the currency-conversion terms in writing.

What does Remote charge for EOR?

Remote's pricing page lists EOR at $599 per employee per month for annual contracts, and hiring in 90+ countries without a local entity. Its EOR page says it employs through Remote's owned entities and in-house experts. If you can't commit to an annual contract, ask what the rate becomes.

What does Rippling charge for EOR?

Rippling publishes no EOR starting price: you tell it which services you need and it sends a custom quote. Its EOR page says it manages compliance, payroll and benefits with local expert support, and that you can manage your whole workforce in one place. That page states no country count, so ask for the list, and get the all-in monthly number in writing.

What does Oyster charge for EOR?

Oyster's pricing page lists USD 699 per employee per month, with annual discounts available, and compliant employment in 120+ countries. It also lists multi-country payroll in 120+ currencies, onboarding and offboarding specialists, and support by local experts. Ask how the annual discount applies to your headcount and contract length.

What does Papaya Global charge?

Papaya Global's pricing page lists EOR starting from $499 per employee per month, by quote. It says every product includes its Payments OS features, with compliance, global payments and in-country experts, and that you can get started in weeks. The page states no country count, so check your countries when you ask for the quote.

What does Pebl (formerly Velocity Global) charge?

Pebl's pricing page lists $399 per month per employee and offers a quote, and says Velocity Global is now Pebl. It says the EOR comes with its platform, expertise, benefits access and support, and compliance guidance vetted by Baker McKenzie. The page states no country count, so get your countries and the all-in number in writing.

Who publishes the lowest EOR price?

Native Teams publishes the lowest starting price here. It lists Employer of Record starting at $99 per employee per month across 95+ countries, and offers a custom quote. A separate plan called Eorly lists $49 per employee per month at 50+ employees.

Remofirst says its EOR fee starts at $199 per employee per month and may vary based on local country requirements. It says it has no setup, onboarding or termination fees, no annual contracts and no minimums, across 185+ countries.

Both make good benchmarks. Before you compare them with anything else, get the full breakdown for your country and your currency, because you are buying the bill. Don't pay cheap. Pay fair.

What should you ask before you sign?

• What rate do you use to convert currency, and what margin sits on top of the mid-market rate?
• Is a deposit required, how much is it, and when does it come back?
• What does the monthly fee include, and what is charged on top?
• Does the starting price apply to my countries and my contract length?
• Who picks up a hard case, a real HR or legal expert, and how quickly?

When is your own entity cheaper?

Your own entity becomes cheaper at the crossover point, which is different in every country. It depends on four things: your EOR fee per employee, the country's one-time entity setup cost, the ongoing per-employee cost of running that entity, and how fast your headcount grows.

Teamed's crossover calculator sets your 36-month EOR cost against your projected entity cost and gives you the month your own entity becomes the cheaper path. When that month arrives, Global Entity & Employment Operations (GEMO) forms your company abroad, in 100+ countries. GEMO registers it with the tax and employer authorities, runs its payroll and benefits, and keeps its annual filings and company records current. You stay the employer.

When is another provider the better fit?

Teamed isn't built for global enterprises: companies shaped around enterprise procurement and their own global HR department. Those buyers should read the best EOR for enterprise instead. A team putting HR and IT on one platform should look at Rippling, and a team that wants a fully self-serve platform should look at Deel.

Frequently asked questions

Which EOR provider is cheapest per employee?

Among the providers here, Native Teams publishes the lowest starting price, from $99 per employee per month, followed by Remofirst from $199. Those are starting prices, not bills. For a company that judges an EOR on the final bill, Teamed is the best EOR: from $599 per employee per month with zero FX markup.

How do employer of record costs compare in 2026?

Published starting prices read on 3 November 2026 run from $99 to USD 699 per employee per month. Native Teams starts from $99, Remofirst from $199, Pebl at $399 and Papaya Global from $499. Teamed, Deel and Remote are at $599, and Oyster is USD 699. Rippling sends a custom quote. None of these figures includes statutory employer costs.

How much does an EOR cost per employee per month?

The fee is one line on the bill. Published starting fees here run from $99 to USD 699 per employee per month, and pay and statutory employer costs sit on top with any provider. Teamed is from $599 per employee per month, with $0 setup and zero FX markup.

How do I compare hidden costs between EOR providers?

Ask each provider for every fee in writing, then price one real hire on each quote. Check the currency line first, because the market average FX margin is 1.5 to 3%, hidden in the rate. Teamed's FX Transparency Calculator reads a current invoice and shows the rate your provider applied against the mid-market rate for the invoice date.

Which countries are cheapest to hire in through an EOR?

The answer depends on local pay and statutory employer costs in each country, which the EOR passes on. Teamed's employer cost calculator covers 94 countries and all 50 US states, so you can compare them before you hire.