Ruby vs Moneypenny

Ruby and Moneypenny sell live receptionists in the same four bundle sizes: 50, 100, 200 and 500 minutes a month. At 50 minutes, Moneypenny's People Answering plan is $165 and Ruby's is $250. At 500, it's $985 against $1,725. Moneypenny also prints the rate for each minute past your bundle, from $2.28 on the smallest plan to $1.67 on the largest. Ruby's pricing page doesn't print one.

Ruby answers with its own wording on fees: no additional or hidden charges for activation, onboarding, setup, customization, or coverage during certain periods. Every Ruby plan gets the same features, and live chat can be bundled with the minutes.

Moneypenny suits a business that wants a lower printed price, a known overage rate and, if it likes, a separate AI plan billed per call. Ruby suits a business that wants a written no-fee promise and chat and phone from one vendor. Both pricing pages were read in September 2026.

Published pricing, side by side

What each vendor prints on its own site. The billing unit decides more of the final bill than the headline price does.

	Ruby	Moneypenny
Billing unit	Per minute	Per call (AI Answering) or per minute (People Answering)
Entry plan	$250/mo for 50 minutes	AI Answering $69/mo for 25 calls; People Answering $165/mo for 50 minutes
Higher tiers	Basic $395 (100 min), Standard $720 (200 min), Professional $1,725 (500 min)	AI Answering $99 (50 calls), $199 (100 calls), $435 (250 calls); People Answering $265 (100 minutes), $422 (200 minutes), $985 (500 minutes)
Overage rate	Not published on their pricing page	Published: $2.49 down to $1.89 per extra AI call; $2.28 down to $1.67 per extra people-answered minute

Read on each vendor's own website in September 2026. Prices move, so check before you buy.

What decides it

The dimensions that change the bill or the service, each as a fact read on the vendor's own site.

	Ruby	Moneypenny
50 minutes a month	$250	$165
100 minutes a month	$395	$265
200 minutes a month	$720	$422
500 minutes a month	$1,725	$985
Rate past the bundle	Not printed on the pricing page	$2.28 a minute on the 50-minute plan, down to $1.67 on the 500-minute plan
AI answering plan	AI features included at no extra cost	Separate plans billed per call: $69 for 25 calls up to $435 for 250
Leaving	Not stated on the pricing page	No long-term commitment; 30 days' notice to cancel
Number	Local or toll-free number included	Forwarding number at no charge

Ruby: ruby.com/pricing. Moneypenny: moneypenny.com/us/pricing, read with a browser because the site blocks automated readers. Both September 2026.

Two price lists with the same four sizes

You rarely get to lay two vendors' cards straight on top of each other. Here you can. Both sell 50, 100, 200 and 500 receptionist minutes, and at each size Moneypenny's printed price is the lower one.

Ruby's four plans are $250, $395, $720 and $1,725. Moneypenny's People Answering plans are $165, $265, $422 and $985. Above 500 minutes, Ruby quotes larger plans on request.

Ruby states that the minutes are the only difference between its plans, apart from chats. So a small Ruby plan gets the same bilingual service, scheduling, payment collection and 24/7 coverage as the large one.

What a minute past the bundle costs

Moneypenny prints it. On the 50-minute plan, each extra minute is $2.28. On the 500-minute plan it's $1.67, and the plans in between sit on a sliding scale. You can take a busy month from your phone bill and price it on the spot.

Ruby's pricing page doesn't print an overage rate, and its public help centre returned a 403 error in September 2026. Ask Ruby for the rate in writing, and ask whether it moves with the plan.

This matters most on the small bundles. Fifty minutes is about 20 calls at two and a half minutes each, so one busy week can push you over. From there, the extra-minute rate is what sets your bill.

Moneypenny's AI plan, billed by the call

Moneypenny sells a second line of plans for AI answering. They're counted in calls, not minutes: $69 for 25 calls, $99 for 50, $199 for 100 and $435 for 250. An extra call runs from $2.49 on the smallest plan to $1.89 on the largest.

The AI plan lists a reporting dashboard and human escalation, so a caller can reach a person when they need one. It's a separate plan from People Answering, and you'd pick the meter that fits your calls.

Ruby takes a different line. Its pricing page says AI enhancements come at no extra cost on the receptionist plans, and its transcripts are generated automatically. You still pay Ruby by the receptionist minute.

Chat, fees and leaving

If you want web chat from the same vendor, Ruby sells chat plans and a bundle of chat with receptionist minutes. Its no-fee sentence covers activation, onboarding, setup and customization, which you can hold it to.

Moneypenny's page promises no long-term commitment and asks for 30 days' notice to cancel. Every plan includes a forwarding number at no charge, and its receptionists are America-based and available 24/7.

Both answer a line you forward to them, so the ring delay and forwarding mode are set at your carrier or phone system. You can test either on your after-hours calls first and keep your main line where it is.

Where GreetKeeper fits

Disclosure: GreetKeeper is our product, and this section is the only place it's named. It's an AI receptionist priced per answered call, with every plan and every overage rate on the pricing page.

Starter is $49 a month for 200 calls, Professional is $149 for 750 and Scale is $349 for 2,000. Extra calls cost $0.45, $0.35 or $0.25. A call that runs eight minutes counts once, and robocalls it screens out never count.

Each plan includes booking into Google Calendar or Outlook. GreetKeeper reads the name, number and time back before it books, and the caller gets one text with the confirmation. A caller who asks for a person is transferred to your team.

You get a dedicated local number in the area code you choose, and there's no setup fee. Every plan starts with a 14-day free trial, all features on, with no card.

Plan	Monthly	Calls included	After that
StarterFor a single location taking calls one line at a time.	$49	200	$0.45 per call
ProfessionalBooking, routing and transfers included, not an add-on.	$149	750	$0.35 per call
ScaleFor busy phones and longer opening hours.	$349	2,000	$0.25 per call

Questions people ask about this comparison

Is Moneypenny cheaper than Ruby?

On printed plan prices, yes, at every size both sell. Fifty minutes is $165 at Moneypenny and $250 at Ruby, and 500 minutes is $985 against $1,725 (September 2026). Moneypenny also prints its extra-minute rate, while Ruby's pricing page leaves it off.

Does Moneypenny have an AI receptionist?

Yes. Moneypenny sells AI Answering plans billed per call, from $69 for 25 calls to $435 for 250, with extra calls from $2.49 down to $1.89. The plans list human escalation and a reporting dashboard (September 2026).

How do I cancel Moneypenny?

Moneypenny's pricing page says there's no long-term commitment and asks for 30 days' notice to cancel. Give notice early in the cycle, and move your forwarding once the notice runs out.

Does Ruby charge setup or onboarding fees?

No. Ruby's pricing page states there are no additional or hidden fees for activation, onboarding, setup, customization, or coverage during certain periods. Its plans differ only by receptionist minutes and chats (September 2026).

Count calls instead of minutes

GreetKeeper prices each answered call and prints the overage. Hear a demo call built for your business.

See it answer a call See pricing