Benji Pays vs Alternative Payments

The supplied screenshot shows $100,000 in monthly processing volume, with 60% paid by card, 20% by ACH and 20% by check. Card surcharging is enabled at 3%. It displays an estimated Benji Pays total of $299/month and Alternative Payments at $499/month with a 3-day payout.

Benji Pays pricing starts at $139 per month, billed annually. In Canada, Alternative Payments starts at $299/month versus $139/month for Benji Pays. In the USA, it’s $199 versus $139. No percentage of your billings. No long-term contracts.

About their calculator: Alternative Payments’ calculator models Benji Pays on $139, $199, $299 and $399 tiers named “Pro” and “Premium”. Those are not Benji Pays plans. Even with those assumptions, their calculator estimates Benji Pays costs less.

Correction to the screenshot: Benji Pays surcharges always use native pass-through. They never appear as a separate invoice line item. The calculator’s description of Benji Pays surcharging is incorrect.

The difference is $200/month. ($499 − $299) ÷ $299 = 66.9%, rounded to 67% higher for Alternative Payments; equivalently, Benji Pays is 40.1% lower. The $2,400 annual difference assumes this monthly scenario stays the same for 12 months.

These are Alternative Payments’ calculator outputs, not a current quote or independent verification of Benji Pays’ pricing. Their screenshot describes the Benji Pays estimate as subscription plus card and ACH costs derived from public pricing, and the Alternative Payments amount as a flat subscription with ACH free and card processing charged at cost or offset through compliant surcharging. The screenshot does not identify currency or show enough detail to validate plan equivalence. Actual costs vary by plan, transaction count, payment mix and processing terms.

Benji Pays builds and maintains its own QuickBooks and Business Central integrations. Alternative Payments’ QuickBooks Desktop guide names Rutter. Its Business Central guide instructs users to install AccountLink by Rutter and complete the connection through Rutter. These are two documented third-party connections; this does not establish how every Alternative Payments integration is built.

Benji Pays supports Benji Payments and other supported payment providers. Alternative Payments describes its offering as bundled payment processing. Benji Pays’ company page describes its technical founders and operating experience. Supported integrations and processing terms vary.

Benji Pays starts at $139/month billed annually: $139 in Canadian dollars for Canadian customers, confirmed by Benji Pays on October 5, 2026, and $139 in US dollars for US customers. Alternative Payments’ pricing selector shows starting prices of $299 in Canada and $199 in the USA, for up to $50,000 in monthly processing volume. Canadian prices are compared in Canadian dollars and US prices in US dollars. Entry plans have different allowances; processing fees and total costs vary. These starting prices are separate from the $100,000 calculator example.

Benji Payments launched in January 2026 and offers integrated processing with Benji Pays as the contact for setup, service and support. Benji Pays also supports existing merchant accounts through supported providers. Alternative Payments markets a single-provider platform with bundled processing.

Benji Pays builds and maintains ConnectWise PSA, HaloPSA and Autotask integrations in-house, confirmed by Benji Pays on October 5, 2026. Alternative Payments lists Autotask, ConnectWise PSA, HaloPSA and SuperOps.

Benji Pays builds and maintains QuickBooks Online, QuickBooks Desktop, Xero and Microsoft Dynamics 365 Business Central integrations. Alternative Payments lists the accounting systems shown in the table. Its QuickBooks Desktop and Business Central setup guides both document Rutter’s role; the Business Central guide identifies Rutter’s AccountLink extension.

Benji Pays confirmed on October 5, 2026 that surcharging is optional, always uses native pass-through and never adds a separate invoice line item. This corrects the description in the supplied Alternative Payments calculator screenshot. Alternative Payments’ help center says partners can enable or disable passing credit card fees to clients. Its specific invoice and accounting presentation is not established by that source. Applicable card network rules and local laws still apply.

Benji Pays confirmed on October 5, 2026 that ACH and EFT through Benji Payments have the same flat-rate pricing, starting at $1 per transaction. ACH is available in the USA and EFT in Canada. Alternative Payments’ supplied calculator states free ACH on every plan. Confirm applicable rates and terms for your account.

Benji Pays offers branded English and French customer payment pages and a custom domain. Alternative Payments’ supplied calculator advertises a white-label portal.

Benji Pays confirms business availability in the USA, Canada, the UK and Europe. Alternative Payments serves businesses in the USA and Canada; its help center describes US business accounts and its September 2025 announcement adds Canadian availability. Accepting internationally issued credit cards is distinct from supporting businesses based in other countries. Supported currencies, processors and payment methods depend on the business location.

G2 lists Benji Pays at 5.0/5 from 14 reviews and Alternative Payments at 4.7/5 from 11 reviews. The Alternative Payments profile used here is listed under Alternative Finance, the MSP accounts receivable provider. Benji Pays reviews praise responsive, helpful support. Ratings were reviewed October 5, 2026, reflect different samples and may change. These review scores are not a technical benchmark or a measured comparison of support response times.