Target payroll processing small business specialists

Tom Golisano started Paychex in 1971 with $3,000 and a good idea of how to make it easy and affordable for small biz to outsource payroll. The firm also offers payroll tax administration, 401(k) plans, Section 125 plans, COBRA administration and Workers' Comp. But Paychex isn't alone - several others are also great small biz choices.

I recommend: The Paychex site has an excellent introduction to what's involved in the payroll process. Paychex has 100 offices nationwide and also specializes in restaurant payroll and time and attendance solutions. Other good options include: Advantage Payroll and CompuPay.

Manage your own payroll in part or in full with an online service

For less money and a little extra time on your part, your business can manage its own payroll with online services that put everything you need in one easy-to-use place.

I recommend: Sure Payroll is the ace among small business owners seeking an online payroll service. The company focuses exclusively on small biz and has a Web-based app that's simple and convenient. With Advantage Payroll's Instant Payroll, you can manage payroll with a few mouse clicks and make real time changes. All you need is a browser and Internet access. No software to install.

Talk to the big guys

ADP processes payroll for over 30 million people worldwide and is the giant in the field. But ADP has also worked hard to develop a small business following, and it can bring serious clout to its small business customers.

I recommend: ADP Small Business Services aims to be your single source for payroll solutions. In addition to payroll, ADP offers employee screening and selection, benefits (like retirement plans), time and labor management and Workers' Comp.

See what your business bank can offer

Many major banks have ventured into payroll services to capture more of your banking business.Some, like Bank of America, even offer free payroll processing if your employees have accounts there and sign up for direct deposit.

I recommend: Wells Fargo has long been one of America's most prolific small business payroll processors. Their ExpressPay service is for the smallest businesses using phone or fax input. ExpressPay Plus includes PC-based options.Bank of America has stepped up to the small business window with its Easy Online Payroll service that promises to make payroll processing quick, simple and low cost.

QuickBooks users look to Intuit for payroll processing options

If your business already uses QuickBooks, parent company Intuit also offers an enticing menu of online payroll solutions as well as QuickBooks payroll software.

I recommend: QuickBooks Payroll Solutions for small business cost as little as $17 per month for a basic in-house solution. You can select assisted or complete payroll services.