Oct 1, 2026

8 Best Fini AI Alternatives in 2026 (With Real Pricing)

Fini sells an AI support agent built for fintech and other regulated teams, and its headline price looks low: $0.89 a resolution, falling to $0.49. The number underneath sends people looking. Growth, the entry plan, costs $3,600 a month ($3,000 a month billed yearly), and the $0.89 is what you pay after the 2,000 resolutions it includes.

The other reason is the channel list: chat, email and voice, with no text messaging. The customer who texts the support number about a declined card never reaches Fini.

The quick answer: The best Fini AI alternative for fintech and high-volume teams whose customers call and text is Carly. Carly Phone puts an AI on your business number that answers calls and texts from your own knowledge, already knows a returning customer from their email thread and CRM history, hands off to a person in one shared inbox, and logs completed calls to HubSpot or Salesforce. Try Carly on your support line. For a per-resolution agent in chat and email, Fin (formerly Intercom) publishes $0.99 per outcome, Lorikeet is the closest fintech-focused match that publishes its prices, and Sierra and Decagon suit enterprises with the budget for a custom contract.

Fini AI alternatives compared

Prices are in US dollars, checked against each vendor’s pricing page on October 1, 2026. Annual-billing prices are marked.

Tool	Starts at	AI agent pricing	Channels covered	Best for
Carly	AI agents from $35/mo	Answers calls and texts from your knowledge, books callbacks, hands off to your team	Phone calls, SMS, email	Fintech and high-volume teams whose customers call and text
Fini (for reference)	Growth $3,600/mo ($3,000/mo billed yearly) with 2,000 resolutions	$0.89 per resolution past the allowance on Growth, $0.69 on Scale, $0.49 on Enterprise; voice $0.89 per answered call	Chat, email, website widget, voice	Regulated teams with 5,000+ tickets a month
Fin (formerly Intercom)	$0.99 per outcome	$0.99 per outcome; Fin Voice $1.99 per voice outcome via sales	Chat, email, voice	Chat and email teams that want a published unit price
Lorikeet	$2,100/mo billed annually	$0.99 per chat, email or SMS resolution; $1.50 per voice resolution	Phone, SMS, chat, email, WhatsApp	Fintech and healthtech teams under 20,000 tickets a month
Sierra	Not published; sales quote	Outcome-based, agreed in the contract	Chat, SMS, WhatsApp, email, voice	Large banks and consumer fintechs
Decagon	Not published; sales quote	Not published	Chat, email, voice	Enterprise consumer brands
Ada	Not published; sales quote	Not published	Chat, email, messaging, voice	Global, multilingual support teams
Zendesk AI Agents	Suite Team $55/agent annually ($69 monthly)	Plan allowance, then $1.50 to $2.00 per automated resolution	Chat, email, voice, social	Teams whose tickets already live in Zendesk
eesel	Trial with 100 credits; $299/mo for 500 credits	1 credit per ticket or chat worked; $0.80 per extra credit	Helpdesk, chat bubble, email, Slack	Small teams that want self-serve setup

Want to hear the Carly row on your own number? Set up Carly on your support line and compare it with a Fini quote.

Why teams leave Fini AI

The $0.89 is the overage rate, not the entry price. Fini’s own pricing data lists Growth at $3,600 a month on monthly billing, or $3,000 a month billed yearly ($36,000 a year), and includes 2,000 resolutions. Use every one and each works out to $1.80, or $1.50 on annual billing. Unused allowance rolls forward only one month.
It’s built for 5,000+ tickets a month. Fini’s own product review, written by the person who leads product there, names plan minimums as the biggest limitation and points teams with a few hundred monthly questions to a lighter self-serve tool. There’s no self-serve signup, and the 90-day free pilot is for Enterprise prospects.
Voice runs on a second meter. Voice AI is billed per answered call on every plan: $0.89 a call for the first 10,000 a month (or $0.22 a minute), $0.59 up to 50,000, then $0.35. Scale includes 500 answered calls a month. On Growth, every call is billed at that rate card on top of the plan.
No text messaging channel listed. Fini’s pricing page lists chat, email, a website widget and voice. Customers who text the support number (“did my transfer go through?”, “how do I unlock my card?”) are left for a person to answer.
A small public review record. Fini says its 4.9 G2 rating rests on thirteen reviews, and that they include complaints about invented product behavior and translation quality. Trustpilot shows a single review.

Here’s the math for Claire, who runs support at a 60-person card and payments startup. Her team gets about 1,000 chat and email tickets a month and 300 phone calls. Fini Growth is $3,000 a month billed yearly, for a 2,000-resolution allowance her total volume can’t fill. Every answered call adds $0.89, so 300 calls is another $267: about $3,267 a month, or roughly $39,200 a year, before a single resolution goes past the allowance. On monthly billing it’s $3,867 a month. And customers who text about a declined card still wait for a person. If that’s your team, get started with Carly.

1. Carly: best Fini AI alternative for a fintech support line customers call and text

Carly is an AI assistant for businesses, and Carly Phone gives it a business line for calls and texts. Give it the material you’d train Fini on (FAQs, help center articles, policy documents, your website) and it answers the phone with it. A customer calls at 9 pm to ask how long a refund takes to reach their card, or what the cutoff is for a same-day transfer: Carly answers from your published policy. A customer texts a photo of the error screen they’re seeing: Carly reads it, answers from your help content and saves their details for the team.

Questions about a specific account go to a person. On a live call Carly transfers the caller to a teammate, or books a callback with a specialist on your real calendar while the customer is on the line and texts a link with their consent. Calls and texts land in one shared inbox per number, with transcripts, summaries, outcomes and voicemail recordings, and every thread has a “Carly replies / Human replies” switch and can be assigned. Try Carly on your business line.

The difference from a per-resolution support bot: Carly already knows the customer. It’s the same assistant that works the business’s email, calendar and CRM, so when Josh, who emailed last week about a chargeback, calls to follow up, Carly recognizes him from the email thread and CRM history. The teammate who takes the handoff gets the transcript and his history in one place. Completed calls log to HubSpot, Salesforce or Dynamics 365, plus Carly’s built-in CRM.

What you set up in Carly:

One number for calls and texts, a new local number or the one your customers already have.
Call routing that rings your team all at once or in order, with business-hours and after-hours rules, phone menus, and voicemail with transcripts.
An AI texting agent on the same number that answers from the same knowledge, books appointments and handles STOP and HELP opt-outs automatically. More in our SMS appointment booking guide.
An email agent on your own domain, such as support@yourcompany.com, with a draft-for-review mode while your team checks its answers.
Thousands of apps. Carly connects to thousands of apps, including Zendesk, Intercom, Freshdesk, Gorgias, Stripe, HubSpot, Salesforce and Slack.

If Fini already handles chat and email, Carly can take the phone line and texts next to it. For the wider category, see the best AI agents for customer support and our AI customer service agent guide.

Best for: Fintech, lending and insurance teams where “how long does a refund take” and “can someone call me back” arrive by phone and text, including smaller teams that want AI on the line without a sales cycle. Pricing: Free Zapier-style workflows; AI agents from $35/month. Setup: Connect your business number in Carly (the one you already have or a new one), then give it your knowledge, routing and handoff rules. The Carly team can help with setup. Get started with Carly.

2. Fin (formerly Intercom)

Fin is the agent Fini compares itself against most directly, and it’s sold the way Fini isn’t: a published unit price and a setup Fin says takes under an hour on another helpdesk. Intercom renamed itself Fin in May 2026, and Fin is now part of Salesforce, which closed its roughly $3.6 billion acquisition on September 10, 2026. Our Intercom alternatives and Intercom pricing guides go deeper.

Best for: Chat and email teams that want a visible per-unit price and a fast start. Pricing: $0.99 per outcome. On another helpdesk there’s a minimum of 50 outcomes a month; on Fin’s own helpdesk you also pay per seat. Fin Voice is sold through sales at $1.99 per voice outcome. Watch out for: Procedure handoffs, disqualifications and self-serve routings also bill at $0.99 each, so the invoice isn’t only resolutions.

3. Lorikeet

Lorikeet is the closest like-for-like swap for a fintech team. The Sydney-founded company sells an AI support agent mainly to fintechs and healthtechs across phone, SMS, chat, email and WhatsApp, and it publishes its prices. It plugs into Zendesk, Intercom, Salesforce and HubSpot, works with phone systems like Twilio, Five9 and Aircall, and lists ISO 27001 and SOC 2 Type 2.

Best for: Fintech and healthtech teams under 20,000 tickets a month that want published pricing and a trial. Pricing: Start is $2,100 a month paid annually (for under 5,000 monthly tickets), plus $0.99 per chat, email or SMS resolution and $1.50 per voice resolution. Scale is $5,100 a month paid annually, with $0.90 and $1.20 rates. Signature is custom, with a $75K platform fee. There’s a 30-day free trial. Watch out for: The plan fee comes on top of the resolution charges, not instead of them. Lorikeet’s own example puts 1,500 chat resolutions at $1,485 a month on top of Start’s $2,100.

4. Sierra

Sierra is Bret Taylor and Clay Bavor’s AI agent company, and its homepage reads like a fintech index: SoFi, Nubank, Ramp, Rocket Mortgage, Vanguard, Santander and Fiserv are all on it. Its agents work across chat, SMS, WhatsApp, email and voice, and the voice agent takes card and ACH payments by keypad. See what Sierra AI is and our Sierra AI alternatives.

Best for: Large banks and consumer fintechs with an enterprise budget and contact volume to match. Pricing: Not published; sales quote. Sierra bills on outcomes agreed upfront, and its AWS Marketplace listing is a 12-month contract priced by private offer. Watch out for: No public number to plan against. Fin, a competitor, estimates Sierra’s platform alone at about $150,000 a year.

5. Decagon

Decagon builds AI agents for chat, email and voice that follow “Agent Operating Procedures” written in plain language. Chime, the consumer fintech, is quoted on Decagon’s site as a voice customer, and Bloomberg reported a $4.5 billion valuation in January 2026. More in what Decagon AI is, Decagon vs Sierra and our Decagon AI alternatives.

Best for: Enterprise consumer brands that want an agent built around their own procedures. Pricing: Not published; sales quote. Watch out for: An enterprise sales cycle and implementation project, with no public price to compare.

6. Ada

Ada is a long-running AI customer service platform for global, multilingual support teams, automating across chat, email, messaging apps and voice. It’s one of the four vendors Fini puts in its own comparison menu. Our Ada alternatives page covers the field around it.

Best for: Global support teams answering in many languages across many channels. Pricing: Not published; sales quote. Watch out for: You won’t know your unit price until you’re through a sales process.

7. Zendesk AI Agents (with Forethought)

If your tickets already live in Zendesk, its own AI agents are the shortest path. Zendesk completed its acquisition of Forethought on March 28, 2026, and now sells “Forethought AI Agents by Zendesk” across chat, email and voice. See our Zendesk alternatives and Forethought alternatives.

Best for: Teams that want AI inside the helpdesk they already run. Pricing: Suite Team $55 an agent a month billed annually ($69 monthly), Suite Professional $115 ($149). Automated resolutions past the plan allowance cost $1.50 each committed, or $2.00 pay-as-you-go. Watch out for: Seats and automated resolutions are two bills, and both grow with the team.

8. eesel

eesel is the self-serve pick here: an AI agent you can start on a trial without a sales call, working inside Zendesk, Freshdesk or Intercom, plus Slack, a chat bubble and email. One ticket or chat is one credit, however long it runs. More in our eesel alternatives.

Best for: Small teams with a few hundred tickets a month, the scale where Fini’s own review points buyers to a lighter self-serve tool. Pricing: A trial with 100 credits and no card. Teammate plans run from $299 a month for 500 credits to $1,899 for 5,000, with extra credits at $0.80 each. A HIPAA BAA, SSO and data residency are add-ons. Watch out for: A credit is spent on every ticket the agent works, resolved or not. And eesel says its SOC 2 Type II is still underway, which will come up in a fintech security review.

Matching the replacement to how your team uses Fini

Customers call and text the support line: Carly. Calls and texts get answered from your own knowledge, returning customers are recognized from their email and CRM history, and account questions reach your team in one inbox. Try Carly. Compare it with other AI receptionists, AI answering services and AI customer service tools.
Fini’s model with published prices and SMS: Lorikeet.
Chat and email at a visible per-outcome price: Fin.
A large bank or consumer fintech with an enterprise budget: Sierra or Decagon.
Many languages across many channels: Ada.
Tickets already in Zendesk: Zendesk AI Agents.
A small team that wants to start today on a trial: eesel.
Fini already runs your chat and email: keep it there and put Carly on the business line.

Before you sign a Fini order form, pull three numbers from last month: total tickets, how many an AI could have closed without touching an account, and calls that went to voicemail. If the second number is under 2,000, you’d be paying for Growth allowance you won’t use. If the third is bigger than you’d like, set up Carly on your support line and call it yourself.

FAQ

What is the best alternative to Fini AI?

For fintech and high-volume teams whose customers call and text, Carly: its AI answers your business number from your own knowledge, recognizes returning customers from their email and CRM history, and hands account questions to your team in one inbox. For a fintech-focused per-resolution agent with published prices, Lorikeet is the closest match. Try Carly on your support line.

Is there a cheaper alternative to Fini?

Yes. eesel starts at $299 a month for 500 credits, and Fin charges $0.99 per outcome with a 50-outcome monthly minimum on another helpdesk, against Fini’s $3,000 a month billed yearly for Growth. Lorikeet’s Start plan is $2,100 a month paid annually plus its resolution charges. If your costliest gap is unanswered calls and texts, get started with Carly.

How much does Fini AI cost?

Growth is $3,600 a month, or $3,000 a month billed yearly ($36,000 a year), and includes 2,000 resolutions, with $0.89 for each one past that. Scale is $9,000 a month ($7,500 billed yearly) with 8,000 resolutions and 500 answered calls, then $0.69 each. Enterprise is a quote, at $0.49 per resolution. Voice is $0.89 per answered call for the first 10,000 a month. There are no per-seat fees.

Does Fini AI have a free trial or a long contract?

The 90-day free pilot is for Enterprise prospects, run on live traffic with targets agreed in writing. Plans are billed in advance, monthly, quarterly or annually, with two months free on annual billing and 15% to 25% off for two- and three-year terms. While you evaluate, Carly can answer your phone line and texts so calls aren’t going to voicemail.

Does Fini AI handle phone calls and text messages?

Fini’s voice AI answers calls on every plan, billed per answered call. Its pricing page lists chat, email, a website widget and voice, and names no SMS channel. If your customers text as often as they call, set up Carly on your support line: one number for both, with your team taking over in the same inbox.

Ready to automate your busywork?

Carly schedules, researches, and briefs you—so you can focus on what matters.

See the prompt

Set up Carly so you can handle my email, calendars, and files for me: every Gmail and Outlook account at once, plus scheduling, follow-ups, and workflows that keep running after this chat is closed.

1. Add the Carly MCP server (https://carlyassistant.com/mcp/) and sign me in. Use the one that matches you:
- Claude Code: claude mcp add --transport http --scope user carly https://carlyassistant.com/mcp/ (then I run /mcp, pick carly, and authenticate)
- Codex: codex mcp add carly --url https://carlyassistant.com/mcp/ then codex mcp login carly
- Claude (claude.ai, Claude Desktop, or Cowork): Customize > Connectors > Add custom connector, paste the URL, and sign in. Carly is also in Claude's connector directory at claude.ai/directory/carly.
- ChatGPT: open Plugins, search for "Carly" and add it (or click + and paste the URL), then sign in.
- Cursor: add {"mcpServers": {"carly": {"url": "https://carlyassistant.com/mcp/"}}} to ~/.cursor/mcp.json, then sign in to carly from Customize.
- Muse: I will create a Carly API key at carlyassistant.com/integrations (Advanced > API Keys > Create a new key, with Select all scopes). Build a custom connector to https://carlyassistant.com/mcp/ using an API key as a bearer token, and ask me for the key in your secure credential prompt.
- Grok: go to grok.com/connectors, choose New Connector, then Custom, paste the URL, and sign in.
- Grok Bot: open Plugins, add a custom remote MCP server named carly with the URL, then I approve it and sign in.
- Perplexity: Settings > Connectors > Custom connector > Remote, paste the URL, and sign in.
- Anything else: add a remote MCP server (streamable HTTP) named carly with the URL. It signs in with OAuth.
I sign in with my Carly account, or create one at carlyassistant.com.

2. Walk me through connecting my accounts at https://carlyassistant.com/integrations. Under Accounts, I type each email address I use and click Add Email. On each new address, I click Connect Gmail or Connect Outlook, tick what Carly can reach (Email, Calendar, Contacts, Drive or OneDrive), then click Connect with Google or Connect with Microsoft and grant access. For an address that is already connected, I open Manage access and click Connect next to anything missing. Repeat for every address. Carly connects to thousands of apps, so ask which other tools I want in too (CRM, Slack, Notion, and so on).

3. Check it worked: list my connected mailboxes and calendars and tell me every account you can see.

4. Then ask me what to hand off first, for example: "Check all my inboxes for anything that needs a reply today."

See what people say

"Before Carly, I relied on a Calendly link, but the whole process felt impersonal and not very professional. Carly changed that by handling all the back-and-forth, so I'm no longer stuck in endless email threads trying to line up schedules.

Now Carly reaches out to candidates, shares my real-time availability, lets them pick a slot, then sends a Zoom link and drops it straight into my calendar. She sends reminders to both of us before each call, which has significantly reduced no-shows and last-minute confusion.

On top of scheduling, Carly acts like a full executive assistant, sending me my schedule the night before so I can prepare for each call. It reminds me of the old x.ai assistant, but Carly is noticeably smarter, faster, and better suited to my healthcare recruitment business."

Gus Ibrahim, Founder & Director, IHR