The short answer: JustLogin and Payboy are both capable, established Singapore HR & payroll platforms with broad module suites — payroll, leave, claims, attendance, recruitment, appraisal and more. For a growing business, the two real differences that tip it toward JustLogin are AI and reach: JustLogin builds AI right into everyday HR — an employee-facing assistant, Justina, plus AI woven through expenses, recruitment and appraisals — and it runs native payroll across four markets (Singapore, Malaysia, Myanmar and Hong Kong) on one platform. Payboy is a strong, keenly-priced HRMS for teams focused on Singapore. If AI-driven HR and multi-country payroll matter to where you’re heading, JustLogin is the better fit.
| At a glance | JustLogin | Payboy |
|---|---|---|
| Countries covered | Singapore, Malaysia, Myanmar, Hong Kong — one integrated platform | Singapore-focused |
| Statutory filing | MOM/CPF/IRAS compliant — direct filing | MOM/CPF/IRAS compliant |
| AI HR assistant | Justina — employee & manager assistant (web + WhatsApp) that answers and takes actions | No AI assistant comparable to Justina marketed |
| AI in HR workflows | AI in expense (receipt scan), recruitment (candidate ranking) & appraisal (question generation) | Comparable modules available; AI not a marketed focus |
| Pricing | Published tiered pricing on website | Published pricing, low entry point (from ~S$3/employee) |
| Track record | Cloud HR since 2000 | HR software since 2013 |
Where JustLogin pulls ahead: AI across the whole employee lifecycle
Both platforms cover a broad HR suite, so the deciding factor isn’t module count — it’s how much AI is built into the workflows you use every day. This is where JustLogin leads: Payboy doesn’t currently market an AI HR assistant comparable to Justina, and AI isn’t the headline of its workflows. JustLogin has put AI into the tasks employees and HR teams actually do.
Justina — an AI assistant employees actually talk to. Justina answers real HR questions in about 0.8 seconds, 24/7, and JustLogin reports it cuts repetitive HR queries by up to 80%. It spans four areas:
- Payroll — pay dates, payslips, deductions and OT pay
- Leave — balances, applying for time off, and tracking approvals
- Attendance — clock-ins, rosters, late arrivals and overtime
- People — employee details, tenure and directory look-ups
Justina doesn’t just answer — it acts. Employees apply for leave, managers approve requests, and HR can generate an attendance-trend chart, all from the chat. It works inside the JustLogin app and over WhatsApp, with role-based access so people only see what they’re authorised to, and it’s PDPA-aligned.
AI in expense claims. Snap a photo of a receipt and JustLogin’s AI extracts the merchant, amount, currency, tax and category in seconds — at around 97% confidence, with no manual entry — then handles multi-currency, GPS mileage, up to seven approval levels and reimbursement straight through payroll.
AI in recruitment. JustLogin drafts job descriptions from the role and skills, parses résumés automatically, and uses AI candidate ranking to surface the strongest applicants, with AI candidate summaries, comparisons and interview questions.
AI in appraisals. Reviews support self, manager, peer and upward (360°) feedback, with an AI question generator, factor weighting, radar-chart comparisons and a full moderation audit trail.
For an SME that wants HR its people will actually use — and less manual admin for the HR team — that depth of AI across the workflows is the deciding factor.
Multi-country reach
If Singapore is the only market, you’ll ever run payroll in, this won’t move you — and Payboy serves that need well. But if you have, or plan to have, people in more than one market, it’s decisive. JustLogin runs native payroll across Singapore, Malaysia, Myanmar and Hong Kong as one integrated platform — a single login, one employee experience and one reporting layer, each with its own country-specific payroll configuration. Payboy is Singapore-focused. For a business eyeing regional growth, starting on a platform that already covers all four markets avoids a re-platform later.
Payroll & statutory compliance
Here the two are close, and Payboy is genuinely solid. Both are MOM/CPF/IRAS-compliant and automate Singapore payroll — CPF contributions, IR8A/AIS submission, itemised payslips and bank GIRO. JustLogin files the same statutory data directly and extends compliance to Malaysia, Myanmar and Hong Kong. If you only run payroll in Singapore, both do the job well; the difference shows up in the AI and the multi-country reach around that core.
Pricing
Both vendors publish pricing, which is refreshing on both sides. Payboy is aggressively priced for Singapore SMEs, with a low per-employee entry point (from around S$3) and a pay-per-use option — a real strength if budget is the primary constraint. JustLogin publishes tiered pricing on its site; final numbers are module- and headcount-dependent for both. Price the specific modules you actually need from each — headline rates rarely tell the whole story.
Track record
Both are established, credible Singapore vendors. JustLogin has been building cloud HR since 2000 — one of Singapore’s original cloud HR providers — and Payboy has offered HR software since 2013. JustLogin’s longer runway shows in its more recent, platform-wide push into AI.
Thinking of switching from Payboy to JustLogin?
If you’re on Payboy and it’s the AI or the multi-country reach pulling you, here’s how to make the move cleanly — and what to ask before you commit:
- Employee master data — full HR records (personal, employment, bank, tax) exported cleanly, not just a payroll summary.
- Payroll history & YTD figures — critical if you migrate mid-year: CPF year-to-date totals and IR8A data must reconcile exactly.
- Leave balances — carried-forward and accrued balances matched to your leave policy.
- CPF/statutory setup — contribution categories and rates re-mapped correctly, not just copied as numbers.
- Attendance & scheduling — historical clock records and shift/roster patterns rebuilt.
- Approval workflows — leave/claims approval chains rebuilt to match your actual org chart.
- Payroll parallel run — run at least one full cycle on both systems before cutover and reconcile every line.
- Year-end cutover timing — the cleanest switch point is 1 January, so CPF YTD tracking starts clean.
JustLogin’s team can walk you through exactly how your CPF YTD data and leave balances migrate, and run a parallel cycle with you before you cut over — ask for that on your first call.
Which fits you?
For a business that wants AI-driven HR and multi-country payroll, JustLogin is the stronger choice — Justina and AI across expenses, recruitment and appraisals, plus native payroll for Singapore, Malaysia, Myanmar and Hong Kong on one platform. Payboy is a strong fit if you operate only in Singapore and want a capable, broad HRMS at a low entry price. Both are compliant, credible Singapore vendors — the decision comes down to how much AI you want running through your HR, and whether you’ll ever run payroll beyond Singapore.
Frequently asked questions
Is JustLogin or Payboy better for a Singapore SME? Both are capable, broad HRMS platforms. JustLogin leads on AI — the Justina assistant plus AI across expenses, recruitment and appraisals — and on multi-country payroll (Singapore, Malaysia, Myanmar, Hong Kong). Payboy is a strong, keenly-priced fit for teams focused on Singapore.
Does Payboy support multi-country payroll? Payboy is Singapore-focused. JustLogin runs native payroll across Singapore, Malaysia, Myanmar and Hong Kong on one integrated platform.
How does JustLogin’s AI compare to Payboy’s? JustLogin offers Justina, an employee- and manager-facing AI assistant that answers HR questions and takes actions (apply/approve leave) on web and WhatsApp, plus AI in expenses, recruitment and appraisals. Payboy doesn’t currently market an AI HR assistant comparable to Justina.
When’s the best time to switch HR software? The start of a new payroll year (1 January), so your year-to-date and statutory figures start clean in the new system.
