SAN FRANCISCO—Gusto Inc., the payroll powerhouse serving over 400,000 small businesses, has embedded its services directly into OpenAI’s ChatGPT, allowing users to query payroll data and, for a select few, execute runs via natural language prompts. Announced January 20, 2026, the integration marks one of the first enterprise-grade business apps in ChatGPT’s new app directory, signaling a shift where AI chat interfaces supplant traditional dashboards for critical operations.

Small business owners connect their Gusto accounts through OAuth in ChatGPT, enabling interaction with real payroll and HR data without exporting spreadsheets or toggling apps. ‘Small business owners and admins can now connect their Gusto account through the Gusto app in ChatGPT and interact with real payroll and business data using natural language: ask questions, analyze trends and get summaries directly in a ChatGPT conversation,’ wrote Gusto Chief Product Officer Chris Cosgrove in the company’s announcement.

Conversational Payroll Unleashed

For eligible customers, the stakes rise: simply type ‘@Gusto, help me run payroll’ to preview upcoming periods, estimate totals, break down labor costs by department and date, verify details, and submit. All Gusto customers gain read access for insights, while write capabilities—actual payroll execution—roll out gradually. Gusto’s research underscores the bet: four in five AI-adopting small businesses report 20% productivity gains, with over 40% seeing revenue growth, according to the firm’s official blog.

Gusto Co-founder and Head of Technology Edward Kim highlighted the workflow seamlessness in a January 20 X post: ‘You can now run your payroll through @GustoHQ’s app inside ChatGPT. By doing this, the Gusto app in ChatGPT is helping SMBs move from questions → insights → action.’ Kim, speaking to This Week in Fintech, elaborated: ‘Instead of forcing small business owners to switch between systems, we’re enabling them to move seamlessly from questions to insights to action, all within their natural workflow.’

Security Shields Sensitive Data

Payroll demands ironclad security, and Gusto addresses it head-on. Connections require explicit OAuth authorization by payroll admins only, ensuring passwords stay with Gusto and never reach OpenAI. Actions limit to approved scopes, with users retaining disconnect rights. ‘Customers must explicitly authorize the connection of their account using OAuth, so that Gusto passwords “are never shared with OpenAI,”‘ Kim told This Week in Fintech.

Yet caveats emerge. Once linked, OpenAI’s privacy policies govern data, prompting warnings. Accountant Chad Davis, in CFOtech, urged: disable ChatGPT’s ‘improve the model for everyone’ setting to bar training use of company data. Davis parsed capabilities: ‘You can read, and you can write… get guidance, ask for trends, ask for information about historical pay runs and all the information that exists inside of your system.’

Early Limits, Bold Roadmap

Version 1.0 carries restrictions: payroll runs confined to beta users, lacking out-of-box universality. Davis noted in CFOtech: ‘You can now chat with Gusto data inside of ChatGPT through the new app integration, but this first version comes with a lot of limitations.’ He favors Gusto’s native AI, Gus, for context-rich tasks like payroll comparisons, preserving full customer record nuance.

Gusto vows expansion. ‘We’re starting by enabling a conversational interface and payroll via the Gusto app in ChatGPT, but this is just the start,’ per the company blog. Plans encompass deeper insights, advanced reporting, and broader data workflows. Kim echoed to This Week in Fintech: ‘We’ll continue expanding capabilities so more of your Gusto workflows can happen directly in ChatGPT.’

Gusto’s AI Pedigree

This builds on Gusto’s AI foundations. Gus, launched mid-2025, answers compliance queries and executes tasks with approval, per prior CPA Practice Advisor coverage. ChatGPT extends reach into users’ daily tools. ‘More and more business owners are turning to ChatGPT to ask questions, plan, and think through decisions,’ Kim said, positioning it as knowledge hub.

Founded 2012 as ZenPayroll, Gusto processes billions annually, bundling payroll, benefits, and HR. Valued at $9.6 billion in 2023 with $500 million revenue, it raised $750 million. The ChatGPT move, among OpenAI’s early app directory entries alongside DoorDash and Uber per TechCrunch reports, cements Gusto’s frontline role in AI-driven fintech.

Industry Ripples

X buzz affirms traction. This Week in Fintech called it a signal: ‘ChatGPT is becoming an interface layer for core business software.’ Gusto joins a wave, with OpenAI eyeing PayPal and Walmart integrations in 2026. For insiders, it tests AI’s payroll fidelity—accuracy, compliance—amid conversational ease. As rollout widens, Gusto could redefine SMB admin, blending Gusto’s compliance muscle with ChatGPT’s ubiquity.

Cosgrove framed the vision in CPA Practice Advisor: ‘With the Gusto app in ChatGPT, small businesses can spend less time on busy work and more time on what really matters: growing their business.’ If scaled, it promises just that.