Hi Chris, It really depends how big your business is. If you are a small business then you can probably get away with a reputable off-the-shelf system. You can usually get free trials to start with. If you are savy with Excel and don't have a huge amount of transactions, I would recommend using it. You will then have complete flexibility. If you are a medium sized business, I would engage a Business Analyst to help to define what problems you are solving with regards to your accounts and payroll. By doing this, you will gain confidence with choosing your best course of action. If you are a large business, I would recommend a team of people to help. Start with a Business Analyst to help you define the problems you are solving then engage in a Project Manager and start building a team. Something to keep in mind is that off-the-shelf systems will never work exactly how the business needs it to because all businesses run differently. To have a system that works exactly as you want it to, you would need to have it custom built. In my experience, off-the-shelf systems for large businesses cost more than a custom system would have cost.