Head to head

Eddy vs Rippling

Same facts, side by side: starting price, free tier, MCP, API and what each one is actually built for.

Eddy

Sales-quoted

Eddy is all-in-one HR and payroll software for small and midsize businesses. Commercials are sales-quoted.

Where Eddy fits

  • US SMBs that want payroll, HR, ATS, and onboarding in one vendor
  • Teams comparing a quoted bundle with Gusto at $49/mo or BambooHR at $250/mo
  • Multi-state employers that have outgrown spreadsheets but not Workday
  • HR leads who want compliance and onboarding next to pay

Rippling

Sales-quoted

Mid-market HR, IT and finance platform with payroll, devices and an ATS on one bill. Quote-based, with MCP enabled in-product.

Where Rippling fits

  • Mid-market companies unifying HR and IT
  • Teams that want payroll and devices on the same bill
  • Buyers replacing several separate tools
  • US mid-market employers

At a glance

DetailEddyRippling
Starting priceSales-quotedSales-quoted
Free tier–No–No
MCP server–No✓Yes
Public API–No✓Yes
Listed underATS, HR compliance, HRIS, Onboarding, PayrollATS, Benefits administration, EOR, HR compliance, HRIS, Onboarding, Payroll, Time & attendance
CapterraNot enough reviews4.9 from 4,867 reviews

Where they pull apart

Eddy

Stands out: HRIS, payroll, ATS, onboarding, and HR compliance sit in one SMB bundle, closer to Gusto than to a modular HR Cloud deal.

Watch out: eddy.com does not print a public per-employee rate. US payroll plus tax filing is the conversation, not global EOR. Implementation is a sales cycle.

Not the right fit for

  • Global employers that need Deel-style EOR
  • Enterprises on ADP Workforce Now or Workday

Rippling

Stands out: Payroll, IT device management and hiring on a single mid-market bill.

Watch out: Recruiting is one module of a much larger platform, not the product itself.

Not the right fit for

  • Staffing agencies
  • Talent teams that only want a tracker

Pros and cons

Eddy

  • Payroll, HRIS, ATS, onboarding, and compliance in one SMB bundle
  • Aimed at US small and midsize employers, not enterprise HCM
  • One vendor instead of Gusto plus a separate ATS
  • Sales-quoted, no public per-employee rate
  • Not a global EOR
  • Sales cycle is slower than a Gusto self-serve signup

Rippling

  • Payroll, IT and hiring on one bill
  • In-product MCP plus an API
  • Replaces several separate tools
  • No published price
  • No public MCP endpoint
  • Recruiting is a module, not the focus

What each one costs

Eddy

Sales-quoted

Eddy quotes HR, payroll, ATS, and onboarding as an SMB bundle. eddy.com does not print a public per-employee rate. Confirm current terms on the vendor site.

Checked 19 Sep 2026

Rippling

Sales-quoted

Quote-based. Confirm current terms on the vendor site.

Checked 7 Sep 2026

Common questions

Can you try Eddy or Rippling for free?
Neither carries a free tier on our listing.
Does Eddy or Rippling have an MCP server?
Rippling ships a first party MCP server, so an AI assistant can work the product directly.

Not the pair you wanted?

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Editorial listings, never paid rankings. Prices checked 19 Sep 2026. Confirm current terms on the vendor site. Spot an error?