The four best payment gateways and collection tools for MSPs in 2026 are Alternative Payments, FlexPoint, ConnectBooster and Paidnice, ranked on the published cost of moving a dollar: subscription, card rate, ACH per transaction, gateway fee and contract term. Published entry prices from US$69 a month.
Alternative Payments is the only vendor here that prints both a subscription and a full card and ACH fee schedule. FlexPoint prints its ACH rate and its surcharging logic and quotes the rest. ConnectBooster prints nothing and arrives bundled inside Kaseya 365 Ops. Paidnice is not a gateway at all: it is the enforcement layer that sits behind whichever one you choose, reading QuickBooks Online or Xero rather than a PSA.
Three numbers decide what an MSP pays to be paid, and one of them is missing from half this market. Every figure here was read off the vendor's own pricing page in August 2026.
What an MSP actually pays to get paid
The subscription is the smallest number on this page. An MSP moving $80,000 a month at the published card rates below pays more in card margin in a single month than the most expensive software here costs in a year.
Six line items make up the real price of taking a payment: the software subscription, the card rate as interchange plus a margin, the ACH cost per transaction, the gateway fee, the dispute cost when a client charges back, and the contract term that decides how long you carry the other five. Two of the four vendors below publish enough for that sum to be done. Two do not.
Which is why this guide ranks on rate cards rather than on feature lists. Every product here will move money. What separates them is how much of your money each one keeps on the way through, and how much of that you can establish before you book a call.
The other MSP receivables question, what to do about a client who simply does not pay, is a different problem with a different shortlist, and it is covered on the AR software guide for MSPs.
What to look for on a rate card:
- Four numbers you can add up: the subscription, the card rate, the ACH cost per transaction and the contract term, all four before signature.
- The ACH path, priced. ACH is the cheapest rail an MSP has, and the per-transaction cost plus the same-day allowance decide how much of the book can be moved onto it.
- A surcharging position in writing: whether the platform surcharges at all, whether the compliance logic is per state, and whether it refuses on debit.
- Write-back into the PSA and the ledger, so a payment closes the invoice in both systems without anybody keying it twice.
- A portal a client will use, because a rate card only applies to money that actually moves.
Two of these four publish enough to work out an effective cost per dollar collected. The other two require a sales call before they can be compared with anything.
The rate cards, side by side
A capability grid would show four products that all take card and ACH. A fee schedule shows something else: two vendors you can price today, and two you cannot price at all.
| Alternative Payments | FlexPoint | ConnectBooster |  |
|
|---|---|---|---|---|
| Subscription from | US$199/mo | Not published | Not published | US$69/mo |
| Subscription banded on | Monthly processing, to $50k then to $100k, custom above | Monthly processing, to $50k, to $100k, then unlimited | Not published | Invoice volume and team size |
| Card rate | 2.9% + $0.30 | Interchange+, margin not published | Not published, billed by your merchant processor | Set by Stripe or Pinch Payments |
| AMEX | 3.5% + $0.30 | Not published | Not published | Set by your processor |
| ACH per transaction | No US ACH fee | $1.00, $0.50 or $0.25 by tier | Invoiced separately | Set by your processor |
| Same-Day ACH | Not published | Included monthly allowance on every tier | Not published | Set by your processor |
| Gateway fee | None separate | Not published | BNG gateway fee, billed on its own | None; it is not a gateway |
| Card dispute | $25 | Not published | Not published | Set by your processor |
| Card surcharging | Yes, where state law permits, never on debit | Yes, per-state compliance logic | Not verified | None found |
| Bills a month | One | Not published | Three, plus merchant processing | Two: this, and your processor |
| Contract term | Not published | Set on the order form, auto-renews | Not published | Not published |
| Rated (source, count) | 4.7 (11, G2) | 4.9 (5, G2) | 4.2 (23, G2) | 5.0 (82, Xero App Store) |
| Last verified | Aug 2026 | Aug 2026 | Aug 2026 | Aug 2026 |
"Not published" means the vendor prints no figure for that line. "Not verified" means the behaviour could not be confirmed from the vendor's public materials. "None found" means nothing in the vendor's published material addresses that line. Rates are the vendor's own published figures on the date shown, in USD, without conversion.
1. Alternative Payments
Best for US and Canadian MSPs that want a native PSA gateway with a published price and a published fee schedule
What is it best for?
For a US or Canadian MSP that wants invoicing, card, ACH and reconciliation as one native product wired straight into ConnectWise, Autotask, HaloPSA or SuperOps.
- Fits
- US and Canadian service businesses, MSPs among four named verticals. The entry tier is priced for up to $50,000 of monthly processing and the second tier to $100,000
- Regions
- United States and Canada only. Canada is a reduced product: Quebec is excluded, and financing and collections are unavailable
- Entry cost
- US$199/mo up to $50,000 of monthly processing, $499/mo up to $100,000, custom above. Cards 2.9% + $0.30, AMEX 3.5% + $0.30, no US ACH fee, card dispute $25. Verified Aug 2026
- Rated
- 4.7 from 11 G2 reviews. No Capterra listing found
- Awards
- None found
- Runs on
- ConnectWise PSA, Datto Autotask, HaloPSA, SuperOps. QuickBooks Online and Desktop, Xero, Sage Intacct, NetSuite, Dynamics 365 and Business Central, Zoho Books, FreshBooks. ConnectWise CPQ, ScalePad Quoter, QuoteWerks, Datagate. Kaseya BMS and Syncro absent
- Late fees and interest
- None found. Nothing in the help center or on the receivables page calculates, posts or accrues a late fee or interest. The design is autopay and reminders first, then a person
- Does best
- Collections Assist: submit an overdue invoice from the dashboard and their team contacts the client by email and by phone, on success-based pricing with no retainer, escalating to a partner agency if it fails
Alternative Payments is the only vendor on this page whose monthly bill can be worked out in full before a sales call: a subscription banded by processing volume, a card rate, an AMEX rate, a zero US ACH fee and a $25 card dispute cost, all printed. It is also the widest on ledgers here, adding Zoho Books and FreshBooks that no rival carries, and it runs accounts payable alongside receivable.
Its answer to an unpaid invoice is people rather than penalties. Autopay rules can trigger on days past due, days before due, days past creation, agreement or amount, and customers self-enrol. When those fail, Collections Assist puts a human on the phone. Instalments are a financing product: 30 to 150 days in equal steps, a 3.0% to 7.0% fee paid by the client rather than the MSP, with the MSP funded in full upfront and the credit risk carried by the vendor.
Limitations with Alternative Payments. Contract length is the one number missing from an otherwise complete rate card, and it is the number that decides how long you carry the rest of it. North America only, with Quebec, financing and collections all absent from the Canadian product. No late-fee or interest engine, so nothing here enforces the 1.5% a month clause your agreement already carries. Statements are undocumented and the analytics module was still marked coming soon in August 2026. Eleven G2 reviews is a thin base, and one of them reports payouts marked paid against transactions that had failed, which lands directly on the reconciliation claim.
2. FlexPoint
Best for US MSPs on HaloPSA or SuperOps that want published ACH pricing and card surcharging
What is it best for?
For a US MSP that wants the broadest PSA coverage here, compliant card surcharging, and a per-transaction ACH cost it can compare before booking a call.
- Fits
- US MSPs. Tiers are banded by monthly processing: up to $50,000, up to $100,000, then unlimited
- Regions
- United States. No published support for the United Kingdom, Canada, Australia, New Zealand or South Africa, and every price and rail on the site is a US one
- Entry cost
- Subscription not published. ACH at $1.00, $0.50 or $0.25 per transaction by tier, cards on Interchange+ with no published margin over interchange. Verified Aug 2026
- Rated
- 4.9 from 5 G2 reviews, which is too small a base to read as a quality signal; the Capterra listing carries no reviews at all
- Awards
- None found
- Runs on
- ConnectWise PSA, Autotask, HaloPSA, SuperOps. QuickBooks Online and Desktop and Xero as standard; Sage Intacct, NetSuite and Dynamics 365 Business Central on a paid tier. Rewst, Quoter, QuoteWerks, ConnectWise CPQ, Datagate. Kaseya BMS and Syncro absent
- Late fees and interest
- No, via your ledger only. FlexPoint's own guide states that QuickBooks late fee settings sync automatically, so the ledger calculates the charge and FlexPoint displays and collects it
- Does best
- Compliant US card surcharging with per-state logic, plus Same-Day ACH with a published monthly allowance on every tier
FlexPoint publishes the number that matters most to an MSP with a large book of recurring invoices: ACH at $1.00, $0.50 or $0.25 per transaction by tier, with a Same-Day ACH allowance included at every tier. That is the only settlement-speed commitment published by any vendor on this page. It also reaches the HaloPSA and SuperOps shops the incumbent cannot, and its Rewst integration puts billing inside the automation layer many MSPs already orchestrate everything else with.
Surcharging is where it separates itself, and it is built as compliance logic rather than a flat toggle: the platform applies the fee against current state regulations and card network rules per transaction, which is the difference between recovering the card cost and creating a chargeback argument. Its 2026 shipment is AR Agents, drafting collection emails from each account's history and balance and placing AI voice calls only after email has run, each capability opt-in behind a pending-approvals queue. The fee itself is inherited from the ledger rather than computed.
Limitations with FlexPoint. The subscription price is invisible and Interchange+ hides the card margin, so the published ACH rates tell half the cost story. Five G2 reviews and an empty Capterra listing is close to no third-party validation. An MSP with no late-fee logic in QuickBooks or Xero gets none from FlexPoint. Payment plans are a financing product with unpublished partner terms rather than an installment scheduler. Custom portal domain and GL Connect are add-ons, premium ledgers are tier-gated, and the contract term is set on the order form and auto-renews despite month-to-month marketing.
3. ConnectBooster
Best for MSPs already inside the ConnectWise and Kaseya stack, on a quoted price
What is it best for?
For an MSP on ConnectWise or Kaseya BMS that wants a mature client payment portal from a vendor it already buys from, and can live with a quoted price.
- Fits
- MSPs already inside the ConnectWise and Kaseya ecosystem. No revenue band and no processing band published
- Regions
- US-based support is stated on the current product page. The vendor's own country page listing the UK, Ireland, Australia, New Zealand and the Nordics was deleted when the site moved onto Kaseya, so current coverage outside North America is unconfirmed
- Entry cost
- Not published, quote only. The cost arrives as three separate bills: the software, the BNG gateway fee and merchant card processing, each on its own timetable. Verified Aug 2026
- Rated
- 4.2 from 23 G2 reviews; 3.8 from 12 on Capterra
- Awards
- G2 Leader in Billing and High Performer in Billing, Summer 2026
- Runs on
- ConnectWise Manage and PSA, Datto Autotask, Kaseya BMS. QuickBooks Desktop and Online, Xero, Sage Intacct, Dynamics GP. Quoter, ConnectWise Sell, Zomentum, QuoteWerks QuoteValet, GreatAmerica, Datagate, CloudRadial. HaloPSA, SuperOps, Syncro and NetSuite absent
- Late fees and interest
- None found. No late fee, interest or surcharge function appears anywhere across the product help documentation, whose own blog treats late penalties as an agreement drafting exercise
- Does best
- Autopay depth: organization-level rules, an automatic approval process, expiring-card handling, and the deepest reporting suite in this comparison
ConnectBooster is the one vendor here whose cost case is a bundle rather than a rate card. It has been in the category since 2010, was acquired by Kaseya in 2022, and now ships as a component of Kaseya 365 Ops, so for an MSP already buying that bundle the marginal software cost can be close to nothing. The BNG Gateway sits underneath as the payment gateway of record, and it is billed separately, as is the merchant processor behind it.
The portal is branded and mature: clients view and pay around the clock, see billing history, and organizations can be put behind two-factor authentication. Reports cover open invoices, transactions, scheduled payments, autopay configurations, expiring and locked cards, and email history. What is documented as a payment schedule is recurring and future-dated payments rather than one invoice split into installments.
Limitations with ConnectBooster. The cost is genuinely opaque: an unpublished subscription and three separate invoices. The reviews are the weakest here and the complaints are structural rather than cosmetic, naming portal usability, sync duplicates creating duplicate entities, gateway timeouts and a transaction limit that blocked a payment. No late fees, no interest, no installment plans and no credit data. As at August 2026 every ConnectBooster URL redirects to a single Kaseya product page, so the geographic evidence, the reminder mechanics and the roadmap are all unverifiable from public sources.
4. Paidnice
Best as the enforcement layer behind whichever gateway you pick, from US$69 a month
What is it best for?
For an MSP that has already chosen a gateway and still has a book of invoices nobody is paying, where the money is lost to unbilled staff time rather than to card margin.
- Fits
- MSPs on Xero or QuickBooks Online from about $500k revenue, with the sweet spot between $1m and $20m a year, with or without a dedicated bookkeeper
- Regions
- United States, Canada, United Kingdom, Australia, New Zealand, South Africa
- Entry cost
- US$69/mo on Essentials, priced on invoice volume rather than money processed: 150 invoices, 600 emails and up to 2 team members. Pro from US$99/mo, unlimited users, no per-seat fee. Card and ACH costs are your processor's and sit outside this figure. Verified Aug 2026
- Rated
- The deepest verified base on this page: 5.0 across 82 Xero App Store reviews at the 20 August 2026 check, plus 4.9 on Capterra where the count is not published
- Awards
- Xero Global App Awards 2026 winner for New Zealand Small Business App of the Year, after the 2025 Global Small Business App of the Year
- Runs on
- Xero, QuickBooks Online, Stripe, Pinch Payments, CloudDepot, HubSpot, Pipedrive, Zapier. NetSuite, Sage Intacct, MYOB and Dynamics 365 Business Central on the Custom plan only. No PSA connector of its own
- Late fees and interest
- Yes. Two charge types on the same customer group, an invoice late fee and a statement interest charge, both raised on the ledger as Draft or Approved. Policies sit under customer groups, so several rules run at once
- Does best
- Enforcement that lands on the ledger: reminders, late fees, interest, statements, payment plans and escalation, all routed per customer group
It belongs on this page as the layer behind the gateway rather than as a gateway. Paidnice moves no money of its own: cards and ACH run on Stripe or Pinch Payments, so whatever rate card you negotiated with a processor is the rate card you keep. What it adds is the part a gateway leaves alone, which is the invoice nobody has paid yet.
Reminders run per customer group by email and SMS from the MSP's own authenticated domain on Pro and above, statements go on any schedule including consolidated parent accounts, and a late fee or interest charge is posted onto the QuickBooks Online or Xero ledger rather than shown in a portal. How that enforcement layer compares against the rest of the MSP field is the subject of the AR software guide for MSPs; the reason it is here is that none of the three gateways above computes a fee at all.
Limitations with Paidnice. It is not a gateway, so nothing on the rate card above belongs to it: an MSP that wants one vendor for processing and chasing is buying two products and paying two bills. No card surcharging function is documented, which on this page is the expensive omission. There is no PSA-native invoice view, Xero and QuickBooks Online are the only native ledgers with four more built on the Custom plan, and the entry tier covers two team members.
Effective cost on $80k a month: a worked model
Rate cards do not compare themselves. Here is the same book of business priced through each vendor, with every unpublished figure left as Not published rather than estimated.
The assumptions. $80,000 collected a month across 40 invoices averaging $2,000. Sixty per cent of the value arrives by card, so 24 card transactions worth $48,000, and forty per cent by ACH, so 16 ACH transactions worth $32,000. No surcharging, no disputes, no same-day requests. Change the mix and every number below moves, which is the point of the exercise.
| At $80,000 a month | Alternative Payments | FlexPoint | ConnectBooster | Paidnice |
|---|---|---|---|---|
| Subscription tier | $499.00 | Not published | Not published | $69.00 |
| Card cost on $48,000 | $1,399.20 | Not published | Not published | Set by your processor |
| ACH cost on $32,000 | $0.00 | $8.00 | Not published | Set by your processor |
| Monthly total | $1,898.20 | Not published | Not published | $69.00 plus processing |
Card cost is 2.9% of $48,000 plus $0.30 on each of 24 transactions. FlexPoint's ACH line is $0.50 on each of 16 transactions, the published rate for the $50,000 to $100,000 tier.
Run the same mix at two other volumes and the shape becomes clearer. At $30,000 a month, 15 invoices, Alternative Payments drops to the $199 tier and the card cost on $18,000 falls to $524.70, for $723.70 in total. At $150,000 a month, 75 invoices, the Alternative Payments subscription moves to a custom quote and stops being publishable, while the card cost on $90,000 at the published rate reaches $2,623.50.
FlexPoint's ACH line moves in the other direction, and it is the most useful figure on this page. Six transactions at $1.00 is $6.00 at $30,000. Sixteen at $0.50 is $8.00 at $80,000. Thirty at $0.25 is $7.50 at $150,000. Multiply your collections by five and the ACH cost stays inside two dollars of where it started, because the per-transaction rate steps down by tier faster than the transaction count climbs.
Three things follow from the model. First, at the published rates the card margin on $80,000 a month is roughly $1,400, near enough $16,800 a year, against a subscription of $499 a month. Second, the same money moved by ACH costs single-digit dollars at FlexPoint and nothing at Alternative Payments, so the card-to-ACH mix moves the bill by more than the choice of vendor does. Third, two of the four cannot be modelled at all from public sources, and for a purchase this size that is itself a procurement finding rather than a research gap.
Surcharging: where it is legal and what it caps at
Surcharging is the only line on this page that moves the card cost to zero rather than reducing it, which is why it dominates the economics for an MSP with heavy card volume. It also puts a new line in front of your client, so read the agreement before switching it on.
The rules come from three places at once, and all three have to be satisfied.
- The card networks. A surcharge may never exceed your own cost of acceptance, and each network sets a ceiling above that: Visa caps a US credit card surcharge at 3% and Mastercard at 4%, so a merchant taking both is bound by the lower figure. The networks also require advance notice, commonly 30 days, to them and to your acquirer before you begin.
- Federal debit rules. Debit and prepaid card transactions cannot be surcharged in the United States at all, whatever your state permits. A platform that cannot tell a debit card from a credit card at authorisation cannot surcharge safely.
- State law. A small number of US states and territories still prohibit credit card surcharging outright, Connecticut, Massachusetts and Puerto Rico among them, and several others regulate how the price has to be displayed rather than banning the practice. That list has moved repeatedly through litigation, so confirm the position for every state you bill into rather than only for the state you sit in.
Canada is a separate regime again. Surcharging has been permitted since October 2022 under the card network settlements, capped at 2.4%, and Quebec's Consumer Protection Act prohibits it for consumer transactions, which is one of several reasons the Canadian products in this comparison are reduced.
Three practices get called surcharging and only one of them is. A surcharge adds a percentage to the card price. A cash discount reduces a single posted price for customers who do not use a card. Dual pricing posts both prices side by side. They are regulated differently, they are disclosed differently, and a platform that treats them as one setting is a platform to ask questions of.
On the four here, FlexPoint applies the surcharge against current state regulations and card network rules per transaction rather than as a flat toggle, which is the strongest documented implementation on this page. Alternative Payments permits surcharging where state law allows and never on debit. ConnectBooster's position could not be verified. Paidnice documents no surcharging function at all. None of that is legal advice, and every one of them will tell you to confirm with your own counsel before you enable it.
Which PSA writes the payment back, and how fast
On a payments page the PSA question is about the return leg. The money reaches the processor either way; what you are buying is how quickly it shows against the invoice, in the ledger and in the PSA, and how many systems have to agree before it does.
- ConnectWise PSA. Alternative Payments, FlexPoint and ConnectBooster all connect natively, so the payment posts back into the system that raised the invoice. This is the one PSA every gateway here supports.
- Datto Autotask. The same three natives.
- HaloPSA and SuperOps. Alternative Payments and FlexPoint only. ConnectBooster documents neither, which settles it for a Halo or SuperOps shop.
- Kaseya BMS. ConnectBooster alone, which is the clearest single argument for it in this comparison. No tool here documents a Syncro connector.
- QuickBooks Desktop. Alternative Payments, FlexPoint and ConnectBooster. Paidnice is QuickBooks Online and Xero only.
- Sage Intacct, NetSuite and Dynamics. Alternative Payments carries them as standard, FlexPoint puts them above the entry tier, and Paidnice reaches them on its Custom plan as a build.
Paidnice takes the other route and connects to no PSA at all, because the PSA has already written the invoice into QuickBooks Online or Xero. On a payments page that costs you the PSA write-back. What it buys instead is the subject of the twin guide.
Settlement timing is the least published figure in this whole category. FlexPoint prints a Same-Day ACH allowance on every tier, which is the only settlement-speed commitment any vendor here makes in public. The other three state none, so ask for funding times in writing and ask what happens to them on a weekend.
Contract length, auto-renewal and the exit
The term is the least published number in this category and the one that outlives every other decision on the page.
Alternative Payments does not print a term at all, the single gap in an otherwise open rate card. FlexPoint's own subscription terms make the period whatever the order form says, with automatic renewal, despite month-to-month marketing. ConnectBooster is quote-only, and Kaseya's agreements have historically auto-renewed for the greater of the expiring term or three years, so assume a multi-year ask and read the order form before the demo rather than after it.
Then count the invoices that will arrive each month, because that is a different question from what they add up to. Alternative Payments bills once. FlexPoint quotes its subscription and prints its ACH rate, with Interchange+ leaving the card margin unstated until the first statement. ConnectBooster splits the cost across the software, the BNG gateway fee and a merchant processor on a separate timetable, which is why no effective monthly cost for it can be worked out from public sources at all.
The exit question that actually matters on a gateway is the stored mandate. Autopay enrolments and stored cards live with the processor rather than with the software, so changing vendor usually means asking every client who has ever set up autopay to set it up again. Get the answer in writing before you sign, not when you leave.
How the ranking was built
This page ranks on the cost of moving money, in the order printed below. Paidnice sits fourth deliberately: it is not a gateway and cannot win a gateway comparison, and it is here as the layer that sits behind whichever gateway wins.
- A published rate card. How much of the monthly bill you can establish before a sales call: subscription, card rate, ACH per transaction, dispute cost and contract term.
- Effective cost per dollar collected at a realistic card and ACH mix, rather than the headline subscription.
- Surcharging, and how the cost is recovered, including whether the compliance logic runs per state or as a flat toggle.
- PSA and ledger coverage, and how fast a payment writes back into the system that raised the invoice.
- A rating you can weigh, printed with its platform and its review count, because a 4.9 from five reviews and a 4.7 from eleven are not the same evidence about a vendor holding your money.
Alternative Payments leads because it publishes both halves of the price. FlexPoint follows on one published half and the best-documented surcharging logic here. ConnectBooster publishes nothing, so it is ranked on distribution and reporting depth rather than on economics that cannot be checked.
Where a figure could not be verified for every vendor it is printed inside the entry that carries it rather than used to order the list. Statements could not be verified for Alternative Payments, and card surcharging could not be verified for ConnectBooster.
Tools we could not score
Two names on most MSP shortlists carry no numbered entry, because no price, rating or documented capability could be verified for either from public materials in August 2026.
WisePay is part of the ConnectWise family and processes card and ACH inside the ConnectWise suite with ledger syncing, which is its whole appeal for a shop standardized on ConnectWise. Its pricing, contract terms and portal customization could not be confirmed.
Benji Pays is an automated payments and billing portal aimed at smaller MSPs and marketed on a flat monthly fee. The fee, the PSA coverage and the reconciliation behavior could not be confirmed.
Stripe and QuickBooks Payments belong in a different row again. Neither was built for MSP billing and neither publishes a PSA integration, so both are rails rather than shortlist entries. Paidnice uses Stripe as one of its rails and adds the enforcement on top.
Questions MSPs ask about payment costs
What comes up once the demo is over and the finance conversation starts: what the total really is, which PSAs are covered, and what the contract locks in.
What is the best payment gateway for MSPs?
On published cost, Alternative Payments, because it is the only vendor here that prints a subscription, a card rate, an AMEX rate, an ACH cost and a dispute fee, so the monthly total can be worked out before a call: from US$199 a month up to $50,000 of processing. Where ACH volume is the bulk of the book, FlexPoint publishes $0.25 to $1.00 a transaction by tier and the surcharging logic to recover the card cost, but not its subscription. Both figures were read in August 2026.
Do MSP payment tools integrate with ConnectWise, Autotask and HaloPSA?
Alternative Payments and FlexPoint connect natively to ConnectWise, Autotask, HaloPSA and SuperOps. ConnectBooster connects to ConnectWise, Autotask and Kaseya BMS, and has no HaloPSA or SuperOps connector. Paidnice takes a different route: because the PSA already syncs finished invoices into QuickBooks Online or Xero, it reads from the ledger and needs no PSA connector.
How much do MSP payment tools cost?
All figures below were verified in August 2026. Alternative Payments publishes US$199 a month up to $50,000 of processing and $499 up to $100,000, with cards at 2.9% + $0.30, AMEX at 3.5% + $0.30, no US ACH fee and a $25 card dispute cost. FlexPoint publishes ACH at $1.00, $0.50 or $0.25 per transaction by tier and cards on Interchange+ with the margin unstated, but no subscription. ConnectBooster publishes no price at all and bills through three separate invoices. Paidnice publishes US$69 a month, separate from whatever processor moves the money. On $80,000 a month the worked model above shows why the subscription is the smallest of those numbers.
Which MSP payment tool applies late fees automatically?
None of the three gateways. FlexPoint syncs whatever QuickBooks already calculated rather than computing anything, and Alternative Payments and ConnectBooster document no fee or interest function at all. Paidnice computes one, which is why it appears on this page as a layer rather than as a gateway. The comparison across the wider MSP field sits on the AR software guide linked below.
Do I need a separate collections tool if my gateway sends reminders?
A gateway reminder tells the client the invoice is open. It does not apply the fee your agreement allows, escalate by client group, run statements on a schedule or post anything to the ledger. If overdue invoices and manual chasing are eating the month, the reminder is the cheap part of the job.
What happens to my payment tool if I change PSA?
A tool with its own PSA connector has to support the new one, and if it does not, the tool moves with the PSA. A tool that reads from the accounting system is untouched by the migration, because the invoice data lands in the same place whichever PSA produced it.
Method, sources and publisher
Accounting.Events publishes this comparison, and no vendor pays for inclusion or for a position in it.
Every rate on this page came off the vendor's own pricing page or fee schedule in USD, with no conversion applied, and the worked model uses only those published figures.
Nothing unpublished has been estimated. Where a vendor prints no rate, the model prints Not published and the total stops there, because a made-up card margin would be worse than no comparison at all.
Ratings carry the platform and the review count, so a five-review base and an 82-review base are visibly different weights of evidence.
The whole page was re-read in August 2026 and is re-read on every update. The surcharging section describes rules that move, so treat it as a starting point for a conversation with your processor and your counsel rather than as advice.
Related MSP guides
Buyer's guide
Best accounts receivable software (by business type)
Ranked by business size and accounting system, with a recommendation matrix.
MSPs
Best AR software for MSPs
Accounts receivable tools that fit MSP billing and PSAs.
Comparison
Best AR automation software
Six AR automation tools compared on features and price.
Data & research
28 accounts receivable statistics for 2026
Late payments, DSO and the measured impact of automation, fully sourced.