# Moneypenny US Alternatives & Pricing vs InsertChat Source: https://insertchat.com/alternatives/moneypenny > People and AI call answering in the US, with minute plans from $165 and call plans from $69; voicenation.com now redirects here. InsertChat is a Moneypenny alternative for businesses that want AI to answer calls and online messages on one plan. Moneypenny US offers people and AI answering, with minute plans from $165 for 50 minutes and call plans from $69 for 25 calls. InsertChat covers calls, website chat, email, SMS, and WhatsApp from $98 per month. Competitor details checked on October 13, 2026 from [Moneypenny’s US pricing page](https://www.moneypenny.com/us/pricing/). Prices are in USD as listed; vendors change plans, so confirm current terms with each linked source. ## Our verdict on InsertChat vs Moneypenny ### Choose InsertChat if - You want website chat, email, SMS, and WhatsApp answered in the same inbox as calls. - You want 5,000 monthly AI credits across every channel on Pro, instead of per-call or per-minute overage. - You want to edit the assistant’s knowledge yourself, from website pages, documents, and FAQs. - You want three AI assistants and three team seats on your entry plan. ### Stay with Moneypenny if - You want receptionists and AI on one account, with AI calls escalating to people. - You need warm call transfers to your team during the call. - You prefer paying per call: plans run from $69 for 25 calls to $435 for 250. - You want bilingual answering from a receptionist team. New customers can try Pro free for 7 days with 500 credits. A card is required at checkout, and the Pro plan starts when the trial ends unless you cancel first. ## InsertChat vs Moneypenny at a glance | Compared | InsertChat | Moneypenny | | --- | --- | --- | | Pricing model | Pro, Growth, Scale, and Enterprise plans with monthly AI credits included. Annual billing costs ten monthly payments, paid upfront. ([details](https://insertchat.com/pricing)) | Minute plans from $165 for 50 to $985 for 500, and call plans from $69 for 25 to $435 for 250, with People Answering and AI Answering options ([source](https://www.moneypenny.com/us/pricing/)) | | What is metered | AI credits from one monthly allowance. Use depends on the model, conversation length, knowledge processing, and tools; calls round up to whole minutes. ([details](https://insertchat.com/pricing#channel-costs)) | Minutes or calls, by plan: extra minutes cost $2.28 down to $1.67, extra calls $2.49 down to $1.89 ([source](https://www.moneypenny.com/us/pricing/)) | | Channels | Website chat, phone, email, SMS, and WhatsApp in one shared inbox ([details](https://insertchat.com/product/inbox)) | Phone calls; call summaries arrive by email, text, or both ([source](https://www.moneypenny.com/us/ai-receptionist)) | | Human handoff | Your own team takes over in the shared inbox with the full conversation, on every plan ([details](https://insertchat.com/product/inbox)) | Warm call transfer on every plan; call plans list human escalation ([source](https://www.moneypenny.com/us/pricing/)) | | Knowledge sources | Website URLs, documents, questions and answers, audio and video files, and product information (1,000 sources on Pro) ([details](https://insertchat.com/product/knowledge)) | Its AI receptionist works from a KnowledgeBase of your call-handling details ([source](https://www.moneypenny.com/us/ai-receptionist)) | | Booking | Books into the built-in calendar, Google Calendar, Outlook, Calendly, or Cal.com, automatically or after your team’s approval ([details](https://insertchat.com/product/scheduling)) | Its AI receptionist books appointments directly into your calendar ([source](https://www.moneypenny.com/us/ai-receptionist)) | | Entry price | Pro at $98/month, or $81.67/month billed annually, with 5,000 credits, 3 assistants, and 3 seats ([details](https://insertchat.com/pricing)) | $69 per month for 25 calls; $165 per month for 50 minutes ([source](https://www.moneypenny.com/us/pricing/)) | | Notable limits | Additional phone numbers, SMS, WhatsApp, and other connected services can carry their own charges; analytics and reports start on Scale ([details](https://insertchat.com/pricing#channel-costs)) | No long-term contract; canceling takes 30 days’ notice, effective from your next billing date ([source](https://www.moneypenny.com/us/pricing/)) | “Not verified” means our check did not confirm this detail. Ask the vendor before deciding. ## Switch from Moneypenny in a day Keep Moneypenny answering while you build and test InsertChat. When the answers sound right, point your call forwarding at InsertChat; you can change it back at any time. 1. **Add your knowledge.** Import the website pages, documents, and FAQs your Moneypenny setup answers from, then test the common questions. 2. **Set the voice and routing.** Pick a voice and greeting, and choose when the AI answers: always, after hours, or when your team doesn’t pick up. 3. **Test, then forward your number.** Place test calls. In the US and Canada, forward your existing number to InsertChat; elsewhere, use an InsertChat number. Porting is not offered. ## How much does Moneypenny cost in the US? Moneypenny’s US pricing page lists minute plans from $165 for 50 minutes to $985 for 500, with extra minutes from $2.28 down to $1.67, and call plans from $69 for 25 calls to $435 for 250. Its AI Receptionist page says AI plans start from $99 per month. InsertChat Pro is $98 per month with 5,000 monthly AI credits for calls and messages. ## What happened to VoiceNation? When we checked on October 13, 2026, voicenation.com and its pricing page redirected to Moneypenny’s US website and pricing page, so Moneypenny’s US plans are the current reference for VoiceNation customers comparing options. InsertChat is an AI front desk for calls, website chat, email, SMS, and WhatsApp, from $98 per month. ## Does Moneypenny’s AI hand calls to people? Moneypenny’s AI Receptionist page says calls can escalate to its receptionists or to your own team. InsertChat hands conversations to your own team: the assistant takes the details, marks the conversation needs-you, and emails your team, without transferring the live call. ## Other comparisons - [InsertChat vs Smith.ai](https://insertchat.com/alternatives/smith-ai): AI receptionist billed per call, with a 25-call free plan and live-receptionist backup. - [InsertChat vs My AI Front Desk](https://insertchat.com/alternatives/my-ai-front-desk): AI receptionist with separate voice, chat, SMS, and email allowances on one $99 plan, plus overage credits. - [InsertChat vs Goodcall](https://insertchat.com/alternatives/goodcall): AI phone agent billed by unique callers, not minutes, from $79 a month. - [InsertChat vs Rosie](https://insertchat.com/alternatives/rosie): AI phone answering sold by the minute from $49, with a website chat widget on every plan. - [InsertChat vs Dialzara](https://insertchat.com/alternatives/dialzara): AI receptionist billed by the minute from $29, with an SMS agent and website chatbot on one knowledge base. - [InsertChat vs Upfirst](https://insertchat.com/alternatives/upfirst): AI phone answering sold by the call from $24.95, with warm transfers and calendar booking. - [InsertChat vs RingCentral AI Receptionist](https://insertchat.com/alternatives/ringcentral): AI receptionist for any phone system, $49 standalone or $39 on RingEX, with 100 minutes included. - [InsertChat vs Sophiie](https://insertchat.com/alternatives/sophiie): AI receptionist and office manager for trade businesses, with prices quoted on a demo call. - [InsertChat vs Ruby](https://insertchat.com/alternatives/ruby): Human receptionists and live chat agents, priced by minutes and by chats. - [InsertChat vs Chatbase](https://insertchat.com/alternatives/chatbase): AI agent builder metered by message credits, from $40 a month. - [InsertChat vs Tidio](https://insertchat.com/alternatives/tidio): Customer chat with the Lyro AI agent, priced by human and Lyro conversations. - [InsertChat vs Intercom Fin](https://insertchat.com/alternatives/intercom-fin): AI agent priced at $0.99 per outcome, alongside Intercom’s per-seat plans. - [InsertChat vs AnswerConnect](https://insertchat.com/alternatives/answerconnect): Human receptionists around the clock, billed by whole minutes from $350 for 200, with live chat on Growth and Standard. - [InsertChat vs Abby Connect](https://insertchat.com/alternatives/abby-connect): US-based receptionists with an AI option, priced in Abby Minutes from $165 for 50; AI calls use half the minutes. - [InsertChat vs PATLive](https://insertchat.com/alternatives/patlive): Human-only US receptionists around the clock, from $49 pay-as-you-go, with live chat and outbound calls as separate plans. - [InsertChat vs Nexa](https://insertchat.com/alternatives/nexa): Live virtual receptionists on Nexa 100, 300, and 500 voice-minute plans, with prices given on request. - [InsertChat vs Davinci Virtual](https://insertchat.com/alternatives/davinci-virtual): Live receptionist plans from $129 for 50 minutes, billed by the second, with scheduling on Premium plans. - [InsertChat vs Posh](https://insertchat.com/alternatives/posh): Live receptionists billed by the minute, from $65 a month with no minutes included to $1,900 for 1,000. - [InsertChat vs MAP Communications](https://insertchat.com/alternatives/map-communications): Answering service with 24/7 coverage on every plan, from $49 pay-as-you-go to $649 for 500 minutes. - [InsertChat vs Vapi](https://insertchat.com/alternatives/vapi): Developer voice AI platform: $0.05 per minute for hosting, plus models and carrier fees at provider cost. - [InsertChat vs Retell AI](https://insertchat.com/alternatives/retell-ai): Pay-as-you-go voice and chat agent platform, from $0.07 to $0.31 per minute depending on the model and voice. - [InsertChat vs Bland AI](https://insertchat.com/alternatives/bland-ai): Voice agent platform with all-in per-minute rates: $0.14 on Start, or $0.12 on Build with a $299 monthly fee. - [InsertChat vs Voiceflow](https://insertchat.com/alternatives/voiceflow): Platform for building voice and chat agents, billed in usage credits, with business pricing on request. - [InsertChat vs ElevenLabs Agents](https://insertchat.com/alternatives/elevenlabs-agents): Voice agent plans with included call minutes, $0.08 per extra minute, and LLM usage billed on top. - [InsertChat vs Slang.ai](https://insertchat.com/alternatives/slang-ai): AI phone assistant for restaurants, priced per location from $399, with OpenTable, SevenRooms, Yelp, and Resy integrations. - [InsertChat vs Trillet](https://insertchat.com/alternatives/trillet): Inbound AI receptionist at $49 for 150 minutes, from a voice platform that also sells white-label plans to agencies. - [InsertChat vs Newo.ai](https://insertchat.com/alternatives/newo-ai): AI receptionist billed in shared voice and text units: pay as you go, or $299 a month for 200 units, one location per plan. - [InsertChat vs Quo Sona](https://insertchat.com/alternatives/quo-sona): AI agent in the Quo (formerly OpenPhone) phone system, billed per call: 10 calls a month included, then monthly credit tiers. - [InsertChat vs Dialpad AI Receptionist](https://insertchat.com/alternatives/dialpad): AI receptionist built on Dialpad AI Agents, priced by conversation from a pool of credits whose price is not published. - [InsertChat vs Nextiva AI Receptionist](https://insertchat.com/alternatives/nextiva): XBert AI receptionist for Nextiva plans: $99 a month for 100 resolutions across calls, texts, and chat, then $0.99 each. - [InsertChat vs Marlie AI](https://insertchat.com/alternatives/marlie-ai): AI answering service in minute plans from $49 for 250 minutes, with call transfer and document knowledge on higher tiers. - [InsertChat vs CallRail Voice Assist](https://insertchat.com/alternatives/callrail): AI voice agent from the CallRail call-tracking platform, from $95 a month plus Lead Tracking, then $1 per extra call. - [InsertChat vs Zendesk](https://insertchat.com/alternatives/zendesk): Helpdesk suite priced per agent, with AI agents billed per automated resolution. - [InsertChat vs Crisp](https://insertchat.com/alternatives/crisp): Customer messaging suite priced per workspace, with AI credits for automated conversations and a free plan. - [InsertChat vs LiveChat](https://insertchat.com/alternatives/livechat): Live chat sold as Text plans per user, with AI Agent resolutions included; ChatBot.com lists the same plans. - [InsertChat vs Freshchat](https://insertchat.com/alternatives/freshchat): Messaging helpdesk priced per agent, with Freddy AI Agent sessions sold in packs of 100. - [InsertChat vs Botpress](https://insertchat.com/alternatives/botpress): AI agent platform priced by conversations, with a free plan and AI usage included per conversation. - [InsertChat vs CustomGPT.ai](https://insertchat.com/alternatives/customgpt): Knowledge-based AI agent builder priced by monthly queries, with 10 agents on its entry plan. - [InsertChat vs SiteGPT](https://insertchat.com/alternatives/sitegpt): Website AI chatbot priced by plan and message volume, with WhatsApp and branding removal as add-ons. - [InsertChat vs Chatling](https://insertchat.com/alternatives/chatling): AI chatbot builder priced by monthly AI credits, with a free plan and branding removal on its top plan. - [InsertChat vs Gorgias](https://insertchat.com/alternatives/gorgias): Ecommerce helpdesk priced by monthly tickets, with an AI Agent billed per automated interaction.