Freequently Asked Questions

BENJI PAYS can integrate with any merchant account in North America. Through our integration with Bambora.com, we are able to connect to any merchant account. It's easy to connect Bambora to your merchant account, you won't lose your rates or have to make any changes to your merchant account. Please contact us to and we'd be happy to help you with this.

Supported Payment Gateways:
Do you store my customers' credit card numbers in your system?
No. We do not store credit card numbers, we only submit them to your payment provider through our secure connection once when creating the payment profile. The card number is never saved to our system.
Do you sell or use my data for anything else?
No. We will never sell or use your data for anything other than processing your payments.
What type of security do you use?
BENJI PAYS is running on Amazon's robust and secure servers. All traffic is encrypted using standard SSL certificates over HTTPS. All data stored is encrypted and access is restricted to our servers.
Will you ever contact my customers?
The only time we contact your customers is when we send them their payment receipt emails.
What data in my accounting system will you access?
We require access to your customer names, credit memos, payments, chart of accounts, and invoice balances.
What data in my accounting system will you store?

We store the following from your accounting system:

  • Your customer details to allow you to link them to the stored card information.
  • Your chart of accounts (names of your accounts) to allow you to choose which account applied payments should be deposited to in your accounting system when we apply the payment to the invoice.
  • Invoice details to allow us to report transaction info to you.

  • Step 1:   Connect to and authorize BENJI PAYS to access your accounting software
  • Step 2:   Setup your payment Gateway(s) Payment Gateway Settings
  • Step 3:   Complete your billing details and enter your payment information for Benji Pays
  • Step 4:   Setup your customer portal and upload your logo Portal Settings
  • Step 5:   Complete filling out all of your settings
  • Step 6:   Create accounts for your team members and set their permissions - Manage Users
  • Step 7:   Enable nightly processing in your settings

We require that you connect your BENJI PAYS account to your QuickBooks Online company in order for us to process payments for your QuickBooks invoices.

To connect, re-connect or change the company you are connected to, follow the steps below.

Warning, if you connect to a new company, your customer profiles will be deleted and you'll need to remap your QuickBooks customers to their credit cards.

  • Step 1:   Login to BENJI PAYS and click on Settings
  • Step 2:   Find the QuickBooks icon near the bottom of the page, click it and follow the instructions to complete the connection and authorization process.

We require that you connect your BENJI PAYS account to your Xero Accouting company in order for us to process payments for your Xero Accounting invoices.

To connect to Xero Accounting, follow the steps below.

Warning, once you've connected to your selected Xero Accounting company, this setting cannot be changed. BENJI PAYS can only be connected to one Xero company per BENJI PAYS account. To process payments for multiple Xero Accounting companies you will need a BENJI PAYS account setup for each Xero Accounting Company.

  • Step 1:   Login to BENJI PAYS and click on Settings
  • Step 2:   Find the Xero Accounting icon near the bottom of the page, click it and follow the instructions to complete the connection and authorization process.
Which Payment Gateways do you currently support?
We support the following payment gateways and currencies:
  • Moneris Canadian Dollar accounts - Canadian Dollar transactions
  • Moneris US Dollar accounts - US Dollar transactions
  • Bambora Canadian Dollar accounts - Canadian Dollar transactions
  • Bambora US Dollar accounts - US Dollar transactions
  • Global Payments Canadian Dollar accounts - Canadian Dollar transactions
  • Global Payents US Dollar accounts - US Dollar transactions
  • Helcim - Canadian Dollar transactions
  • Stripe - US Dollar, Canadian Dollar and Euro transactions
Can I setup more than one payment gateway?
You can have as many payment gateways setup as you need, here are a few things to keep in mind:
  • When you enter a new payment profile in Benji Pays for a customer, the card entered is tied to the Payment Gateway you select for that profile. If you need a card to be available for multiple Gateways, you'll need to create a profile and enter that card information in for each gateway you need it available in.
  • Moneris accounts are either Canadian or US, if you need both currencies to support your Multi Currency accounting needs, you will need two Moneris Gateway accounts, one for each currency.
  • Bambora accounts are either Canadian or US, if you need both currencies to support your Multi Currency accounting needs, you will need two Bambora Gateway accounts, one for each currency.
  • Stripe and Global Payments accounts can handle multiple currencies and we can process your invoices in the currency set on the invoice in your accounting system through a single Stripe account. To make sure your Stripe Gateway Configuration is set for multiple currencies, ensure all desired currencies are selected when setting up your Stripe Payment Gateway in Benji Pays.
  • Benji Pays currently only supports Helcim transactions in Canadian Dollars
  • Xero Custom Payment URLs are currently only supported with Moneris Payment Gateways.
Can I disable a Gateway?
Yes, you can disable a Payment Gateway by going to the Payment Gateway Settings and editing the Gateway. Disabling the gateway will stop all transactions from being processed on that gateway, but your profiles will still be visible and available in the Profiles Page
Can I delete a Gateway?
Although you can delete a gateway, it's important to note that all the Payment Profiles for that Payment Gateway will be disabled and no longer visible in your Profiles Page. If you accidentally delete a Payment Gateway, Add a new Pament Gateway configuration with the same settings and your profiles will be visible again.
Do you charge extra for each additional Payment Gateway setup in Benji Pays?
We do not currently charge an additional fee for having more than one Payment Gateway setup in Benji Pays.
How do I setup my payment gateways in Benji Pays?
There are instructions on below on this page for each type of Payment Gateway, you will set them up in the Payment Gateway Settings page.
How does Manual Processing work? Why would I Use it?

Our Manual processing features allows you to process a payment and still take advantage of our integration with your accounting system, without having to wait for BENJI PAYS nightly payment processing to run.

The Manual Processing page will show you a live list of current outstanding invoices in your accounting system. From here you can view a PDF of the invoice, send the invoice to your customer, and process a payment.

  • You need to have a Payment Profile setup for the customer in BENJI PAYS in order to process a payment for their invoice
  • You will be prompted to choose a card profile to use for the transaction if they have more than one card on file
  • You can enter any amount for the transaction as long as it's greater than $0 and not more than the outstanding balance for the invoice, which is displayed on the Processing Window
  • When you click process, BENJI PAYS attempts the transaction, if successful, your customer optionally receives an email receipt and copy of their invoice, and the payment is recorded in your accounting system.
What is the Portal all about?
Currently the Customer Portal is quite simple, but it's features will grow over time. For now it's used to:
  • Provide a branded, secure way for your customers to submit their payment information to you using the Card Request feature of BENJI PAYS
  • Provide custom Pay Now Links for your customers to pay their invoices
Why do I need to upload my logo?
You don't have to, but it will be used to brand your portal landing page and Card Request emails providing a better experience for your customers and giving them more confidence that the request for their card information they've received is actually from you.
What is a Card Request?

Card Requests offer a secure alternative to the traditional ways we have all been collecting our customer's credit card details in the past - PDF forms, email, text and phone calls. Using our Card Request feature means you never receive your customer's credit card details directly, this increases the security of your customer's payment information and reduces you risk and liability of having credit card numbers in emails, paper files and sticky notes around your office.

What happens when I send my customer a Card Request?
When you send a Card Request, your customer receives an email with a secure, unique, one time use link that allows them to submit their payment information to you. The steps are as follows:
  • You send a Card Request to your customer
  • Your customer receives a branded email with a secure link
  • They click the link and are prompted to enter their card information
  • Their card information is sent securly to your Payment Gateway and a profile is created (or updated) in BENJI PAYS. Their invoices will now be processed on the next nightly payment processing run.
  • You are able to see the status of the Card Request you send, including a history of every time your customer has clicked on the link they received
What are the different types of Card Request I can send?
There are three types of Card Requests you can send:
  1. A new customer that is not yet entered in your accounting system. When your customer fills out this type of card request, their payment information is stored and you are able to link this information to their record in your accounting system once you've entered their information there.
  2. A customer already in your accounting system that you do not have a Payment Profile for in BENJI PAYS yet, or that you want to collect an additional card for. When your customer enters their information, a new BENJI PAYS profile is automatically created and is ready to process your customer's invoices.
  3. A customer where you have a BENJI PAYS profile that needs to be updated with a new card. For these, select your customer in the list, then select the Payment Profile you would like to have updated. When your customer fills out the form, the profile will be updated and enabled automatically.
What can I do to make sure my customer fills out the card request?
Providing credit card details over the internet can be scary for people, we suggest letting your customer know they will be receiving an email and that it is from you and can be trusted in increase the chance of them using the form.
Which Currecies do you currently support?
We support the following payment gateways and currencies:
  • Moneris Canadian Dollar accounts - Canadian Dollar transactions
  • Moneris US Dollar accounts - US Dollar transactions
  • Bambora Canadian Dollar accounts - Canadian Dollar transactions
  • Bambora US Dollar accounts - US Dollar transactions
  • Global Payments Canadian Dollar accounts - Canadian Dollar transactions
  • Global Payents US Dollar accounts - US Dollar transactions
  • Helcim - Canadian Dollar transactions
  • Stripe - US Dollar, Canadian Dollar and Euro transactions
I invoice customers in a currency you don't currently support, can you help me with that?
Yes quite possibly, send us an email and we'll see what we can do!
Can I have one customer card processed with multiple currencies?

Unfortunately the answer to this is that it depends on your accounting system and payment gateway.

QuickBooks

QuickBooks only allows a customer to be invoiced in a single currency, which is set when you create the customer. If you need to invoice this customer in more than one currency, you need to setup multiple customer accounts in QuickBooks, one for each currency required.

Because BENJI PAYS payment profiles are tied to a customer in your accounting system, in order for their card to be processed in multiple currencies, you will need to create a BENJI PAYS customer profile for each of the QuickBooks customer accoutns you have setup for that customer.

Xero Accounting

Xero accounting allows a customer to be invoiced in as many currencies as you wish, and so now it depends on your Payment Gateways

Because cards are saved to the vault associated with your Payment Gateway, if you use Moneris or Helcim, you will need to create a Benji Pays profile for each Moneris Gateway you have setup, typically one for Canadian Dollar transactions and one for US Dollar transactions.

If you use Xero Accounting and your Payment Gateway is Stripe.com, you will only need to enter one BENJI PAYS profile for that Xero customer and invoices will be processed through Stripe in the currency of the invoice

How does BENJI PAYS know which gateway and currency to run a transaction in?
BENJI PAYS looks at the currency the invoice in your accounting system was created in, it then looks to see if there is a BENJI PAYS Payment Profile for that customer that is associated with a Payment Gateway that supports the currency the invoice is created in.

Before you can use your Moneris account with Benji Pays, you will need to ensure you have the Vault feature enabled on your Moneris account. If you are unsure, log into your Moneris Gateway account and look for a menu with the word "Vault" in it. If you do not see any Vault menus, contact Moneris to have them enable the vault on your account.

We require that you setup Hosted Tokenization and provide your Profile ID, Moneris Gateway Store ID and API token in order for us to be able to process your customers' payments.

  • Step 1:   To get your API Key, go to www.moneris.com, click Login in the top right corner and then click Moneris Gateway. Login using your Moneris credentials.

  • Step 2:  
    • Click this link to open your BENJI PAYS Payment Gateway Settings in a new window.
    • Click the green Add New Gateway button
    • Select either Moneris - $CAD or Moneris - $USD on the window that opens. You will now see all the required fields for your Gateway configuration.
    • Enter a description for this Gateway, such as "Moneris Canadian"
    • Select the deposit account that transactions through this Gateway will be posted to in your accounting system. You will only see accounts that are setup in the currency you have selected for this Gateway.
    Important ** Benji Pays cannot process US dollar transactions on a Canadian Moneris account or vice versa, Please ensure you are entering account information for a Moneris account that supports the currency you have selected or your customers will be charged in the wrong currency.

  • Step 3: In your other browser window with the Moneris site open, click the Admin Menu and then select 'Store Settings'.

  • Step 4: At the top of this page, copy the text next to API Token. Then go to back to your BENJI PAYS Payment Gateway Settings window and paste the copied text into the 'Moneris API Token' field.

  • Step 5: Enter your Moneris Store ID into the 'Moneris Store ID' field in the BENJI PAYS Payment Gateway Settings page. This is the same Store ID you use when logging into the Moneris Gateway in Step 1 above.

  • Step 6: Click the Admin Menu and then select 'Hosted Tokenization'.

  • Step 7: Leave the 'Source Domain' textbox empty, and then click 'Create Profile'.

  • Step 8: You will now have a profile created and showing below the 'Create Profile' button. Select the text in the Profile Id column, paste this text into the 'Moneris Hosted Tokenization ID' field in your BENJI PAYS Payment Gateway Settings window.

  • Step 9: Click the Save Gateway button. Your gateway is now configured. Before enabling your nightly payment processing in your Company Settings, Add a customer Profile in Benji Pays and then go to the Manual Processing page and process an invoice payment for the profile you created in order to test that your Gateway is setup correctly.

We required your Bambora Merchant ID, Bambora Payments API passcode and, Bambora Profiles API passcode in order for us to be able to process your customers' payments.

  • Step 1:   To get your Merchant ID and passcodes, go to www.bambora.com, click Login in the top right corner . Login using your Bambora credentials.

  • Step 2:
    • Click this link to open your BENJI PAYS Payment Gateway Settings in a new window.
    • Click the green Add New Gateway button
    • Select either Bambora - $CAD or Bambora - $USD on the window that opens. You will now see all the required fields for your Gateway configuration.
    • Enter a description for this Gateway, such as "Bambora Canadian"
    • Select the deposit account that transactions through this Gateway will be posted to in your accounting system, such as Undeposited Funds. You will only see accounts that are setup in the currency you have selected for this Gateway.
    Important ** Benji Pays cannot process US dollar transactions on a Canadian Bambora account or vice versa, Please ensure you are entering account information for a Bambora account that supports the currency you have selected or your customers will be charged in the wrong currency.

  • Step 3: In your other browser window with the Bambora site open, on the menu on the left of the window, click Administration, then Account Settings, Company Info, find your Merchant ID and copy it. Go back to the Benji Pays browser window and past the Merchant Id number into the Bambora Merchant Id field.

  • Step 4: Back in the Bambora browser window, on the menu on the left of the window, click Administration, then Account Settings and then Order Settings. Scroll down unti you find the "API access passcode" field and click the "Generate New Code" button below the text box. Copy the code that was generated. Scroll down to the bottom of the page and click the "Update" button.

  • Step 5: Go back to the Benji Pays browser window and paste the code from Step 4 into the "Bambora Payments API passcode" box

  • Step 6: Back in the Bambora browser window, on the menu on the left of the window, click "Configuration" and then "Payment profile configuration". Find the "API access passcode" field and click "Generate New Passcode". Copy the generated passcode. Scroll to the bottom of the page and click the "Update" button.

  • Step 7: Go back to the Benji Pays browser window and paste the copied passcode from Step 6 in the "Bambora Profiles API passcode" text box.

  • Step 8: Click the Save Gateway button. Your gateway is now configured. Before enabling your nightly payment processing in your Company Settings, Add a customer Profile in Benji Pays and then go to the Manual Processing page and process an invoice payment for the profile you created in order to test that your Gateway is setup correctly.

  • Step 10 (Optional):   You can stop Bambora from sending email receipts as Benji Pays will be sending out branded receipts for you, To turn off email receipts in Bambora go to Administration >> Account Settings >> Email receipts.  Find the line where it says "Send Message" and set this option to No.  Optionally turn on or of the setting at the bottom to have Bambora send Declined Transaction Emails.  Save this page.

We required your Global Payments Client Id, account name, client secret and rebate password in order for us to be able to process your customers' payments

  • Step 1:  

  • To get your Client Id, account name, client secret and rebate password you will need to contact the Global Payments Support team and request the information from them.

    You can contact them at email address or number below:
  • Global Payments
    +1 888 366 5110 (Option 1 - 1)
    You will need to request:
    • That your account is set up for API access, and that Customer and Card saving is enabled
    • Voiding and refunding are enabled
    • Your Client ID
    • Your Client secret
    • Your Rebate password
    • Your Account name

  • Step 2 - Once you've received the information above from the Global Payments team:
    • Click this link to open your BENJI PAYS Payment Gateway Settings in a new window.
    • Click the green Add New Gateway button
    • Select Global Payments on the window that opens. You will now see all the required fields for your Gateway configuration.
    • Enter a description for this Gateway, such as "Global Payments Canadian"
    • Select the deposit account that transactions through this Gateway will be posted to in your accounting system, such as Undeposited Funds, a clearing account or bank account. You will only see accounts that are setup in the currency you have selected for this Gateway.
    Important ** Benji Pays cannot process transactions in a currency not supported by your Global Payments Gateway. Please ensure you only select currencies that are enabled on your Global Payments account.

  • Step 3:   Once you have filled in the required fields, click the Save Gateway button. Your gateway is now configured. Before enabling your nightly payment processing in your Company Settings, Add a customer Profile in Benji Pays and then go to the Manual Processing page and process an invoice payment for the profile you created in order to test that your Gateway is setup correctly.

We require yoru Stripe Account ID, and that you setup a secret or restricted key, and a publishable key in your Stripe account.

  • Step 1:   To get your API Keys, go to https://dashboard.stripe.com, Login using your Stripe administrator credentials.

  • Step 2:  
    • Click this link to open your BENJI PAYS Payment Gateway Settings in a new window.
    • Click the green Add New Gateway button
    • Select Stripe on the window that opens. You will now see all the required fields for your Gateway configuration.
    • Enter a description for this Gateway, such as "Stripe.com"
    • Select the currencies you wish to have processed through this Stripe account, and then select a deposit account for each currency that transactions processed through this Gateway will be posted to in your accounting system. You will only see accounts that are setup in the currency you have selected for this Gateway. These can be edited later but you must choose at least one currency.

  • Step 3: Go back to your browser window where you are logged into stripe, at the bottom of the Navigation on the left side of the page, click "Developers" and then click "API Keys"

  • Step 4: On this page you will see a Publishable key and Secret key. We are going to use the publishable key and create a new secret key.

  • Step 5: Copy the publishable key on this page to the "Stripe Publishable Key (pk)" field on the Payment Gateway Settings window.

  • Step 6: Back in your stripe Dashboard on the API Keys page, Click "Ceate Secret Key", when prompted enter "Benji Pays" in the Key Name field and click "create".

  • Step 7: When prompted with your New API Key, copy the key and paste it into the "Stripe Secret Key (sk)" field in the Payment Gateway Settings window.

  • Step 8: In your Stripe window, we need to get your account ID, click the "Settings" link at the left of the screen, then under Business Settngs, click Account Details. In the top right of this page you will see your account ID, it will look something like "acct_123XXX456ytj". Copy this and paste it into the Stripe Account Id field in the BENJI PAYS Payment Gateway Settings window.

  • Step 9: Click the Save Gateway button. Your gateway is now configured. Before enabling your nightly payment processing in your Company Settings, Add a customer Profile in Benji Pays and then go to the Manual Processing page and process an invoice payment for the profile you created in order to test that your Gateway is setup correctly.

We require that you setup Helcim.js access and provide your Account ID, and an API token in order for us to be able to process your customers' payments.

  • Step 1: To get your API Key, go to https://hub.helcim.com/login/, Login using your Helcim credentials.

  • Step 2: Click the Integrations Link at the bottom of the navigation on the left of the screen.

  • Step 3:  
    • Click this link to open your BENJI PAYS Payment Gateway Settings in a new window.
    • Click the green Add New Gateway button
    • Select Helcim on the window that opens. You will now see all the required fields for your Gateway configuration.
    • Enter a description for this Gateway, such as "Helcim CAD"
    • Select a deposit account for each currency that transactions processed through this Gateway will be posted to in your accounting system.

  • Step 4: Back in the Helcim windows, at the top right hand corner of the page, click the button labelled "New API Access".
    Fill out the form that opens as follows::
    • Active: leave this on (switch will be bluish in colour)
    • Name: Benji Pays
    • Transaction Processing: Turn this on (switch will be bluish in colour) and then ensure the selected options look like below. For Terminals, your list will look different, ensure the CAD dollar terminal is turned on.
    • Access Restrictions - Set these to look like below:

  • Step 5: Click Save in the top right corner of the page. Once the confirmation that the save was successful, click API Access Link in the navigation on the left of the screen.

  • Step 6: You will now see your API Access List, for the Row with the name "Benji Pays", copy the value in the Token field, this needs to be copied into the "Helcim API Key" field in the BENJI PAYS Payment Settings window you have open.

  • Step 7: Now we need to get your Account ID. Follow the instructions Here on the Helcim website to get your Account ID. How to get your Account ID

    Copy your Helcim Account ID and paste this into the Helcim Account ID field in the BENJI PAYS Payment Gateway Settings window.

  • Step 8: Lastly we need to configure Helcim.js - this is the magic that allows us to safely add your customers' cards into Helcim without them ever touching the BENJI PAYS servers.

    1. Click the "Integrations" link on the navigation in the left of the screen.
    2. Click the "Helcim.Js" link on the navigation in the left of the screen below Integrations.
    3. Click the "New Configuration" button in the top right hand side of the screen that loads.
    4. In the form that opens, enter as per below
    5. Click the save button in the top right corner of the screen.
    6. Click the "Helcim.Js" link on the navigation in the left of the screen below Integrations.
    7. You will now see your configurtion listed in the middle of the screen, copy the token on the Row named Benji Pays and paste it into the "Helcim.js token" field BENJI PAYS Payment Gateway Settings window.

  • Step 9: Click the Save Gateway button. Your gateway is now configured. Before enabling your nightly payment processing in your Company Settings, Add a customer Profile in Benji Pays and then go to the Manual Processing page and process an invoice payment for the profile you created in order to test that your Gateway is setup correctly.

Once you have completed the accounting software authorization and finished completing your settings, you will need to map each of your accounting system customers that you want to have our system process to their card profile in your payment gateway.

New Customers

For new customers, you will simply click on the profiles menu and click Add New, then:

  1. Choose the payment gateway you'd like to have the card stored in.
  2. Choose the customer from the drop down list at the top.
  3. Select "Add New Credit Card Profile"
  4. Enter the required information

Existing Customers

For any customers that you already have a prifile already setup for in your payment gateway, you will need to link their gateway profile to their accounting customer record in BENJI PAYS

  • Moneris, Bambora and Global Payments: Once your gateway is configured in BENJI PAYS you will see an option to Upload Profiles for your Gateway under the Settings menu in BENJI PAYS. Follow the instructions here
  •  
  • Stripe and Helcim: When creating a new payment profile, you will have the option of using an existing Stripe or Helcim payment profile. Select this option and then select the customer and the card you'd like to use.

A few things to note:

  • 1. Email address is optional, we suggest entering one though as this will enable the system to email your customer credit card receipts
  • 2. Our system will only charge a customer's card once the invoice is due in your accounting system. You can also set the Delay Days to further delay charging their card, the system will wait the number of days you specify past the invoice due date to process the payment. This setting is set on each customer profile.
  • 3. You can enable BENJI PAYS to process any credit memos in your accounting system. If this settng is enabled, BENJI PAYS will first process any credit memos against outstanding invoices, and then if there is a remaining balance on the invoice, their card will be processed for the remaining balance. This setting is set on each customer profile and can be turned off globally in your settings.
  • 4. You can disable a customer profile to stop BENJI PAYS from processing payments on their invoices. To re-enable the profile, simply edit their profile on the profiles page and check the Enabled box before saving their profile.
  • 5. You can have as many Payment Profiles and different credit cards as you like associted to one of your customers by creating multip Payment Profiles for them. Choose the Priority for each profile and BENJI PAYS will attempt the cards in the order of priority. If the first card declines, the second card is automatically attempted, and so on.

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