A business using PrimePay to approve hours, run payroll and file US payroll taxes has a practical question when it hires abroad: does the existing payroll arrangement cover the new employee, or does that person need a local legal employer?
First, the name has changed. PrimePay is now CoAd Pay. CoAd says existing customers retain their payroll functionality, credentials and current contract terms. A comparison based only on old PrimePay packages can miss what is sold today.
For a US workforce, CoAd Pay remains a relevant payroll option, with tax filing, timekeeping and different levels of HR assistance. Borderless AI becomes relevant when the overseas employee needs an employer of record. These can be complementary purchases.
What are you comparing?
The decisive question is who employs the worker in the country where they work. Adding another US state to payroll and hiring an employee overseas are different changes.
Where CoAd Pay fits a US team
CoAd Pay's strength is the recurring payroll workflow. Its current product page describes federal, state and local tax calculation and filing, direct deposit, and W-2 and 1099 preparation. Year-end forms carry per-form charges. Managed payroll is available as an add-on, so buyers can ask for more administrative help without assuming that every plan is fully outsourced.
Timekeeping also deserves attention for an hourly team. CoAd's time tools support web and mobile clock-ins, scheduling, PTO requests and approved-hour transfers into payroll. Confirm which time tier and hardware options your proposal includes.
That makes CoAd Pay worth considering when the pain is collecting hours, handling payroll taxes or getting HR guidance for an existing US operation. An EOR is an additional service decision when employment abroad enters the picture.
How much does PrimePay cost now?
For new buyers, consult the current CoAd pricing page. As checked October 19, 2026, it lists:
- Base: starting at $55 per month plus $5 per employee.
- Pro: starting at $85 per month plus $6 per employee.
- Custom: a tailored quote.
Base includes one state; Pro includes multi-state tax filing, time and attendance, and expanded HR assistance. Ask about additional states, forms and managed-service charges. Existing customers should refer to their agreement.
Compare those payroll fees with the service you actually need. An EOR quote also concerns an employment arrangement, so a lower payroll subscription does not establish a lower price for employing someone abroad. Request the EOR service fee separately from salary, employer contributions and benefits.
Does PrimePay's PEO cover an overseas employee?
CoAd's expanded offering includes more than software. Its PEO takes on payroll, benefits, HR and risk administration through co-employment. Calling the business “just a payroll calculator” would understate its scope.
CoAd's own PEO explanation distinguishes that model from an EOR: it describes PEOs as supporting operations within the customer's current legal structure, usually in the US, while EORs provide a legal employer where the business lacks an entity.
For a planned hire in Canada, the UK or another overseas market, establish the employment arrangement before comparing payroll features. Borderless AI's EOR provides employment agreements, onboarding, payroll, taxes and benefits without requiring the customer to establish its own local entity. Confirm availability for the specific country and role.
If you already have the appropriate employer infrastructure abroad, assess a payroll service instead. Borderless also offers global payroll; it is a separate scope from EOR. Equally, CoAd's 1099 administration should not be read as confirmation that a proposed overseas worker can be engaged as a contractor.
Can you keep PrimePay and add Borderless AI?
Yes, retaining CoAd Pay for US staff and considering Borderless for an overseas employee can be a sensible arrangement. It avoids making a functioning domestic payroll system the reason to delay an international hire.
Before proceeding, agree who approves payroll changes, how employment costs reach accounting, and where employee records are maintained. Ask each provider to demonstrate the required reporting and data handoff.
For a US-only payroll decision, compare CoAd Pay with other US payroll options on the work your team needs done. For an overseas employee who needs a local legal employer, evaluate Borderless AI's EOR against that employment requirement.