Customer Default Gateway Per Currency

What's New

We're excited to announce the release of Customer Default Gateway Per Currency — a powerful new feature that gives you granular, customer-level control over how payments are routed through your configured payment gateways.

Previously, payment gateway selection was managed at the company level. With this update, you can now override those defaults on a per-customer, per-currency basis — giving you greater flexibility and precision in how you process payments.

Why This Matters

Every business is different, and so are your customers. Some may require payments to flow through a specific processor for compliance or contractual reasons. Others may transact in multiple currencies that are better served by different gateways. This feature was built to handle exactly those scenarios.

With Customer Default Gateway Per Currency, you can:

• Route specific customers through a preferred payment processor, regardless of your company default
• Assign different gateways for different currencies for the same customer
• Gradually migrate customers between gateways at your own pace
• Better serve high-value or compliance-sensitive accounts

How It Works

Once enabled, the feature integrates seamlessly into your existing payment workflows:

• Payment Links in Emails — When an invoice email is sent with a payment link, the customer's assigned gateway is automatically pre-selected. Merchants can still override this before sending.
• Customer Portal — When a customer logs in to pay an invoice, they are presented with their designated gateway automatically.
• Auto-Processing — Auto-processing is unaffected. It continues to use the gateway tied to the customer's saved payment profile.

Important: Customer-level gateway settings take precedence over company-level defaults, but only for new payments initiated through payment links or the customer portal.

Getting Started

Prerequisites

This feature requires the Gateway Hashes feature to be enabled on your account. Contact Benji Pays Support if you need this activated.

Setup Steps

1. Log in to Benji Pays at benjipays.com
2. Navigate to Customers in the main menu
3. Search for and open the customer you want to configure
4. Click Edit to open customer settings
5. Scroll to the Default Gateway Per Currency section
6. For each currency (e.g., USD, CAD), select the appropriate gateway from the dropdown
7. Click Save

Tip: Leave the dropdown blank for any currency where you want to continue using your company default. You only need to configure currencies you wish to override.

What Stays the Same

This release is designed to be non-disruptive to existing workflows:

• Existing saved payment profiles remain associated with their original gateways and are unaffected
• Auto-processing continues to operate as before
• Company-level defaults remain in place for any customer without a customer-level override configured

A Quick Example

Acme Corp has been set up with Stripe USD as their default gateway. They also have a previously saved Visa card through Moneris. When paying an invoice, they can still use their saved Moneris card — but any new payment method they add will be tokenized through Stripe. Clean, simple, and backward compatible.

Frequently Asked Questions

What happens if I don't set a customer-level gateway? 

If no customer-level gateway is configured for a currency, the company default gateway will be used, as configured in Settings > Payment Gateway Settings.

Can I set different gateways for different currencies for the same customer? 

Yes. For example, you can set Stripe for USD invoices and Moneris for CAD invoices for the same customer.

Does this affect existing saved payment methods? 

No. Existing saved payment profiles remain associated with their original gateway. This feature only affects which gateway is used for new payment methods added through the portal and payment links sent via email.

What currencies are available for selection? 

For QuickBooks Online and QuickBooks Desktop customers, only the customer's accounting system currency is available. For Xero customers, all currencies supported by your configured gateways are available.

Can I bulk update multiple customers with the same gateway settings? 

Currently, gateway settings must be configured individually for each customer. Contact Benji Pays Support if you need assistance with bulk updates.

How do I verify which gateway a customer will use? 

Check the Default Gateways column in the customer table — you may need to enable it via the column picker. It will display entries like "CAD: Moneris Gateway" or "USD: Stripe".

What happens if a customer's saved profile gateway is disabled?

If a saved payment profile is associated with a gateway that has been disabled, that profile will not be available for use. The customer will need to add a new payment method, which will then follow their default gateway setting.