Higher EOR score: 7.8 against 5.4.
Best for: Startups, growing companies and enterprises, the three segments Pebl writes a page for
Read review (Pebl)Garna covers four of the services this site scores: EOR, COR, contractor payouts and contractor management. Its EOR is listed from $200 per employee a month, a price it says may vary with country, salary level and team size, and it claims 150+ countries, with only a partial regional set shown and no complete country list. The contractor services have no published client price, no certification is named, and Garna says it is not a financial institution: payment services come from partners and affiliates.
Verdict
Best for
- Teams under 50 people, the size Garna's small-business page names
- Growing teams of 50-500, the band on Garna's mid-size page
- Companies paying contractors in many countries, including by PayPal, Payoneer or crypto
- SaaS companies, marketing and creative agencies and marketplaces, the industries its Contractor of Record page names
- Platforms that want white-label contractor management and Contractor of Record
Not for
- Buyers who require SOC 2 or ISO 27001 to be named
- Buyers who want the service agreement in public before they talk to sales
- Buyers who need a published client fee for Contractor of Record, contractor payouts or contractor management
- EOR buyers who need a country list or country-level fees before a quote
- Buyers who need a regulated financial institution as the counterparty, since Garna says it is not one
- Stands out
- A published EOR starting price: $200 per employee a month, under 14 of the 20 other dollar EOR starting prices on this site, and onboarding put at about 1 to 2 weeks in most countries. The contractor side adds a public API and four payout method kinds (bank, card, wallet, crypto).
- Biggest limit
- Disclosure. Only the User Agreement is public; customers sign a separate agreement that is not published. The contractor services have no client price, no security certification is named, no source ties an entity to EOR on a company register, and the 150+ EOR countries come with only a partial regional set and no complete list.
On this page
Services
| Service | Price | Basis | Score | Countries documented |
|---|---|---|---|---|
| Employer of Record | from US$200[1] | per employee a month | Our score 5.4 of 10Limited data | None documented |
| Contractor of Record | Custom quote[2][3] | — | Our score 5.3 of 10Limited data | None documented |
| Contractor payouts | Custom quote[4][5] | — | Our score 5.0 of 10Limited data | None documented |
| Contractor management | Custom quote[3] | — | Our score 4.9 of 10Limited data | None documented |
Top alternatives to Garna
Providers with a higher EOR score from us than Garna. How we score
Rated higher than Garna on Capterra.
Best for: Companies moving contractors onto local employment contracts, a use Remote's EOR page names
Read review (Remote)Rated higher than Garna on Capterra.
Best for: Startups and global enterprises, in Deel's own words
Read review (Deel)
Pricing
Setup fees and what each list price includes, by service. The EOR fee for a team follows under Cost at volume.
| Service | Setup fee | Notes |
|---|---|---|
| Employer of Record | — | 'Pricing starts at $200 but may vary depending on the country, salary level, and team size', with 'no hidden fees or FX markups' (EOR page and FAQ). Garna states 150+ countries; the page names about 35 countries grouped by region with 'Show all' buttons, the expanded list is not in the served page, and a cost-estimator country list that is not tagged by product, so no country rows are recorded. EOR onboarding is about 1-2 weeks in most countries.[1] |
| Contractor of Record | — | White-label Contractor of Record: Garna acts as Contractor and Agent of Record, which reduces misclassification risk (the contractor of record page also sells it directly). No published price; the contractor of record page offers 'Get a Custom Quote'. Pay now, settle later: payouts funded on 30, 60 or 90 day terms, facility limits $50K to one million (homepage and contractor of record page). 150+ countries and 80+ currencies stated; no country list.[2][3] |
| Contractor payouts | — | Garna takes a commission it calls small when a contractor receives a payment, and the percentage is not published. The page addressed to contractors lists a '0% Setup Fee', no monthly maintenance fees and no hidden markups or spreads on currency conversion; these are what the contractor pays. The client-side price, including any setup fee, is not published. Pay now, settle later on 30, 60 or 90 day terms, facility limits $50K to one million.[4][5] |
| Contractor management | — | No published price; offered as 'Contractor Management' in the white-label product.[3] |
EOR cost at volume
Garna’s EOR fee at its list price of US$200 per employee a month, for a team of 1, 10 and 50 employees.
| Employees | Per month | Per year |
|---|---|---|
| 1 | US$2,400 | |
| 10 | US$24,000 | |
| 50 | US$120,000 |
Provider fee only, before salary and employer contributions; list price from the provider’s page; volume discounts not included.[1]
EOR price against other providers
Garna’s EOR list price next to the providers with the highest EOR score from us that price EOR per head a month in USD. They are picked by our score, not by price.
GarnaUS$200
PeblUS$399
MultiplierUS$459a
DeelUS$599
RemoteUS$599
How we scored Garna
Each service gets its own score from our five criteria. Review-platform ratings are not part of it.
Limited data: fewer than half of the facts our method scores are on record for Garna. Criteria without a fact get a neutral value, so these scores may change as facts are added. How we score
Employer of Record Our score 5.4 of 10Limited data
| Criterion | Weight | Score | Contribution | Why |
|---|---|---|---|---|
| Compliance | 30% | 2.5 | 0.75 | Entities on company registers: none found; Service agreement: not public; general terms of use only; Own security certifications: none named; Licences: none recorded; Facts on record for this criterion: 1 of 4. |
| Coverage | 20% | 6.3 | 1.26 | Countries: 0 documented, 150 claimed; Reach: 45% of the widest provider of this service; Own entities on company registers: none found; Facts on record for this criterion: 1 of 2. |
| Price | 20% | 8.0 | 1.60 | Price compared with 20 providers charging per person a month in USD; 28% of them charge less; Setup fee: not disclosed; Deposit: not disclosed; Minimum term: not disclosed; Termination fee: not disclosed; Facts on record for this criterion: 1 of 5. |
| Platform | 15% | 6.5 | 0.98 | API: yes; Integrations: not disclosed; Self-serve sign-up: not disclosed; Documents in the platform: not disclosed; Facts on record for this criterion: 1 of 4. |
| Support | 15% | 5.3 | 0.79 | Live support channels: email; Live support hours: not stated; Dedicated manager: not stated; Stated onboarding time: up to 14 days; Stated response target: not stated; Facts on record for this criterion: 2 of 5. |
| Our score | 5.4 |
Contractor of Record Our score 5.3 of 10Limited data
| Criterion | Weight | Score | Contribution | Why |
|---|---|---|---|---|
| Compliance | 30% | 4.0 | 1.20 | Contracting entity on a company register: yes; Service agreement: not public; general terms of use only; Own security certifications: none named; Licences: none recorded; Facts on record for this criterion: 2 of 4. |
| Coverage | 20% | 7.0 | 1.40 | Countries: 0 documented, 150 claimed; Reach: 49% of the widest provider of this service; Facts on record for this criterion: 1 of 1. |
| Price | 20% | 3.0 | 0.60 | Price: not published (quote only); Setup fee: not disclosed; Deposit: not disclosed; Minimum term: not disclosed; Termination fee: not disclosed; Facts on record for this criterion: 0 of 5. |
| Platform | 15% | 7.8 | 1.17 | API: yes; Integrations: not disclosed; Self-serve sign-up: not disclosed; Documents in the platform: contracts yes, IP assignment yes, closing documents yes; Payout methods: bank transfer, card, e-wallet and crypto; Facts on record for this criterion: 3 of 5. |
| Support | 15% | 6.5 | 0.98 | Live support channels: email; Live support hours: 24/7; Dedicated manager: not stated; Stated onboarding time: not stated; Stated response target: not stated; Facts on record for this criterion: 2 of 5. |
| Our score | 5.3 |
Contractor payouts Our score 5.0 of 10Limited data
| Criterion | Weight | Score | Contribution | Why |
|---|---|---|---|---|
| Compliance | 30% | 4.0 | 1.20 | Contracting entity on a company register: yes; Service agreement: not public; general terms of use only; Own security certifications: none named; Licences: on record, not confirmed; Facts on record for this criterion: 2 of 4. |
| Coverage | 20% | 7.0 | 1.40 | Countries: 0 documented, 150 claimed; Reach: 47% of the widest provider of this service; Facts on record for this criterion: 1 of 1. |
| Price | 20% | 3.0 | 0.60 | Price: not published (quote only); Setup fee: not disclosed; Deposit: not disclosed; Minimum term: not disclosed; Termination fee: not disclosed; Facts on record for this criterion: 0 of 5. |
| Platform | 15% | 7.0 | 1.05 | API: yes; Integrations: not disclosed; Self-serve sign-up: not disclosed; Documents in the platform: not disclosed; Payout methods: bank transfer, card, e-wallet and crypto; Facts on record for this criterion: 2 of 5. |
| Support | 15% | 5.0 | 0.75 | Live support channels: email; Live support hours: not stated; Dedicated manager: not stated; Stated onboarding time: not stated; Stated response target: not stated; Facts on record for this criterion: 1 of 5. |
| Our score | 5.0 |
Contractor management Our score 4.9 of 10Limited data
| Criterion | Weight | Score | Contribution | Why |
|---|---|---|---|---|
| Compliance | 30% | 4.0 | 1.20 | Contracting entity on a company register: yes; Service agreement: not public; general terms of use only; Own security certifications: none named; Licences: none recorded; Facts on record for this criterion: 2 of 4. |
| Coverage | 20% | 5.0 | 1.00 | Countries: not disclosed; Facts on record for this criterion: 0 of 1. |
| Price | 20% | 3.0 | 0.60 | Price: not published (quote only); Setup fee: not disclosed; Deposit: not disclosed; Minimum term: not disclosed; Termination fee: not disclosed; Facts on record for this criterion: 0 of 5. |
| Platform | 15% | 7.8 | 1.17 | API: yes; Integrations: not disclosed; Self-serve sign-up: not disclosed; Documents in the platform: contracts yes, IP assignment yes, closing documents yes; Payout methods: bank transfer, card, e-wallet and crypto; Facts on record for this criterion: 3 of 5. |
| Support | 15% | 6.5 | 0.98 | Live support channels: email; Live support hours: 24/7; Dedicated manager: not stated; Stated onboarding time: not stated; Stated response target: not stated; Facts on record for this criterion: 2 of 5. |
| Our score | 4.9 |
Key facts
As the provider states them.
- Headquarters
- Cyprus
- Reach
- Global
- Support
- email[5]The mid-size and enterprise pages say 24/7 support without saying who answers, and the User Agreement describes support by email and the in-app form with no hours
Countries covered
Claimed is the provider’s own count. Documented countries are the ones with evidence from a company register or the provider’s own site; countries we list without evidence are not counted.
Employer of Record
Claimed: 150 countries · Documented: None documented
Contractor of Record
Claimed: 150 countries · Documented: None documented
Contractor payouts
Claimed: 150 countries · Documented: None documented
Who it fits
- Company size
- 1–50 people
- 50–500 people
- Industries
- SaaS
- Digital marketing and creative agencies
- Marketplaces
- Segments it names
- Small Business Payroll 'for teams under 50 people'; Mid-Size Business Payroll 'growing teams 50-500'; Enterprise Payroll 'complex global operations' (no headcount); contractor of record for 'startups, SaaS companies, digital marketing and creative agencies, and marketplaces'; white label for 'any business (SaaS, agency, platform, etc.)'
Pros and cons
Pros
- EOR from $200 per employee a month, under 14 of the 20 other dollar EOR starting prices on this site; Garna says there are no hidden fees or FX markups
- EOR onboarding stated at about 1 to 2 weeks in most countries, once the offer is confirmed and documents are signed
- Public API reference: payouts, payout requests in batches of up to 50, and OAuth2
- Four payout method kinds: bank (SWIFT, SEPA, local), card, wallet (e-wallets, PayPal, Payoneer) and crypto (USDT, USDC, depending on country)
- For Contractor of Record and contractor management: one contract, one consolidated invoice, and IP transferred to the client
- Its white-label page lists 24/7 team support for Contractor of Record and contractor management, with a team of experts handling tickets
- Garna says contractors pay no setup or monthly fee and a small commission on each payment received; the client-side fee is not published
Cons
- No published client price for Contractor of Record, contractor payouts or contractor management; the contractor commission is called small and no percentage is given
- EOR claims 150+ countries but shows only a partial regional set, so coverage is counted from the claim alone, at half weight
- No entity is tied to EOR on a company register. GARNA LTD (Cyprus, HE478114) is recorded for the contractor services, and the register shows it incorporated on 17 July 2025
- Only the general User Agreement is public; the service agreement customers sign is not
- No named security certification, only 'bank-grade' and AES-256 wording
- Garna says it is not a financial institution and that payment services come from partners, including Payoneer, and affiliates
- Support: the User Agreement describes email and an in-app form with no hours, and the mid-size and enterprise pages say 24/7 without saying who answers. No dedicated manager or response target is stated, and no EOR support hours
Reviews in brief
AI summary
Written by an AI model from the data on our pages on 15 Oct 2026. Not a recommendation, not our score, and not a quote from any assistant.
What does the data show about Garna as an Employer of Record?
AI
Garna lists EOR from $200 per employee a month, which it says may vary with country, salary level and team size, and puts onboarding at about 1 to 2 weeks in most countries. It claims 150+ countries and shows a partial regional set. We record no country rows. No entity is tied to EOR on a company register.
What the data does not show
Garna publishes no complete EOR country list and no EOR service agreement, and states no EOR fee beyond the starting price.
What are Garna's main drawbacks?
AI
Disclosure. Contractor of Record, contractor payouts and contractor management have no published client price, no security certification is named, and customers sign a separate agreement that is not public. Garna also says it is not a financial institution; payment services come from partners and affiliates.
What the data does not show
We did not read the agreement customers sign, so its terms, fees and liability wording are not covered here.
Trust and registration
- Company register
More alternatives to Garna
Providers with a higher EOR score from us than Garna. How we score
- EOR price from
- US$459 per employee a month, billed annually
- EOR countries 160 claimed, 106 documented
- Onboarding 2–3 days
- Services EOR · COR · Contractors · Payroll
- Best for
- Companies from startups to enterprises, going by Multiplier's segment pages
- Not for
- Buyers who need the deposit amount before signing: Multiplier calculates it per contract
- Top pro
- Own SOC 2 (Type I and II), SOC 3 and ISO 27001:2022 on its security page; the AWS certifications listed there are kept apart as the host's
- Top con
- The "from" prices assume an annual contract. Monthly EOR costs $499 on Core and $559 on Growth, about 11% of countries are priced differently, and compliance-mandated add-ons come on top of EOR and COR
- G24.7/5· 2,124
Signals checked 29 Jun 2026
- EOR price from
- US$399 per employee a month
- EOR countries 180 claimed, 157 documented
- Onboarding 2–5 days
- Deposit 1 month
- Minimum term None
- Services EOR · Contractors · Payroll
- Best for
- Companies from startups to enterprises: Playroll has pages for each, and its case studies include startups under 100 staff and mid-market firms of 100 to 1,000
- Not for
- Contractors who want to be paid other than through Payoneer, the only payout route Playroll uses
- Top pro
- Its own country pages document EOR hiring in 151 countries + 6 territories, against a claim of 180+
- Top con
- A refundable deposit of one month's salary per EOR employee; the unused part comes back within two months of the last working day, or once claims are settled if that is later
- G24.7/5· 198
- Trustpilot3.9/5· 11
Signals checked 21 Jul 2026
- EOR price from
- €299 per employee a month
- EOR countries 180 claimed, 135 documented
- Onboarding 3–4 days
- Deposit 1 month
- Minimum term None
- Services EOR · COR · Contractors
- Best for
- Companies making their first hire in a new country through an employer of record
- Not for
- Buyers whose security review requires the vendor's own SOC 2 or ISO 27001 certificate
- Top pro
- EOR from €299 per employee a month on the pricing page, varying by country and headcount, with no setup or termination fee
- Top con
- SOC 2 Type II and ISO 27001 are held by AWS, its host; no Rivermate certificate is published
Questions people ask
Which services does Garna offer?
Four on this site: Employer of Record, Contractor of Record (Garna acts as Contractor and Agent of Record, which reduces misclassification risk; also offered white-label), contractor payouts and contractor management. Garna's plan pages also use payroll names for small, mid-size and enterprise teams (garna.io, checked 2026-10-15).
How much does Garna cost?
Garna lists EOR from $200 per employee a month and says pricing may vary with country, salary level and team size, with no hidden fees or FX markups. Contractor of Record, contractor payouts and contractor management have no published client price. Garna says contractors pay no setup or monthly fee and pay a commission on receipt; the client-side fee is not published (garna.io, checked 2026-10-15).
In how many countries does Garna offer EOR?
Garna claims 150+ countries for EOR and for contractor payouts. For EOR it shows only a partial regional set and the payout pages name no countries, so we record the claim and no country rows. EOR onboarding is put at about 1 to 2 weeks in most countries (garna.io/en/employer-of-record, checked 2026-10-15).
Is Garna's support available 24/7?
Its white-label page lists 24/7 team support for Contractor of Record and contractor management, handled by a team of experts. The mid-size and enterprise pages say 24/7 without saying who answers, and the User Agreement describes support by email and an in-app form with no hours. Garna gives no response target and states no EOR support hours.
Which company stands behind Garna?
The User Agreement is with GARNA LTD, which the Cyprus register lists as HE478114, incorporated on 17 July 2025. We record that entity for the contractor services; no source ties it to EOR. Garna says it is not a financial institution and that payment services come from partners, including Payoneer, and affiliates.
Sources
- Garna Employer of Record, Garna · checked 15 Oct 2026
- Garna Contractor of Record, Garna · checked 15 Oct 2026
- Garna white label, Garna · checked 15 Oct 2026
- Garna for contractors, Garna · checked 15 Oct 2026
- Garna homepage, Garna · checked 15 Oct 2026
How this page is built
Last checked: 15 Oct 2026.