LiveChat AI vs. Fin AI vs. Helply: Features & Pricing Compared (2026)

Key Takeaways

• Helply is a full AI-native B2B support platform, not a chat widget or a metered bot: it gives every ticket account context, mines conversations for churn, upsell, and competitor signals, and reports support as revenue, with the free helpdesk as the floor rather than the pitch.
• A Helply resolution costs $0.50 and a drafted reply costs $0.25, roughly half of Fin AI's $0.99 per outcome, and there is no per-seat fee underneath it.
• LiveChat AI (livechatai.com) is best for small or non-technical sites that want a bot live today; its credit-based plans run $0 to $389 per month and it works as a separate system from your helpdesk.
• Fin AI (Intercom) delivers excellent answer quality and native voice, but $0.99 per outcome makes the bill climb fast, with a 10,000-conversation team paying roughly $5,000 a month on Fin before a single Intercom seat.
• For technical B2B companies selling software at $1M to $50M ARR, Helply is the best fit; LiveChat AI suits tiny sites and Fin suits teams already standardized on Intercom.

You already believe AI belongs in your support stack. The hard part is picking a tool without signing up for a bill you cannot predict. That is where most comparisons leave you stranded.

Fin AI is the clearest example. Support leaders describe a quiet panic when the invoice arrives, because the price moves with resolution volume. The better the AI gets, the more it resolves, and the more you pay.

LiveChat AI creates the opposite worry. Its plans run on message credits, so a traffic spike can drain your allowance and leave the bot quiet until you top up. Owners who just want repetitive questions handled end up watching a credit meter instead.

This guide compares LiveChat AI, Fin AI, and Helply on the three things that actually decide the call: answer quality, channels and fit, and what you will really pay at your volume. By the end you will know which tool matches your team, and why support cost should be predictable.

Quick Verdict: Which Should You Choose?

Choose LiveChat AI if you run a small or non-technical site, have no helpdesk yet, and want a bot answering FAQs within the hour.

Choose Fin AI if you are already standardized on Intercom, need top-tier answer quality and voice, and can absorb a variable monthly bill.

Choose Helply if you run B2B support and want one platform that resolves tickets, surfaces revenue, and keeps cost predictable, with a free helpdesk underneath.

Want to estimate your own number before reading further? Helply's cost calculator prices a month of outcomes in about a minute.

LiveChat AI: Fast Standalone Bot With a Credit Ceiling

First, a clarification that trips up most buyers. "LiveChat AI" here means LiveChatAI.com, built by Popupsmart.

LiveChatAI is a standalone AI agent. Paste a URL, it crawls your site and help content, and it starts answering in minutes. It now runs on a wide model lineup: GPT-5.2, Claude 4, Llama 4, Grok-4, and Gemini 2.5.

It is no longer a single-model tool, and it lives outside your helpdesk as its own widget and inbox.

For repetitive questions on a small site, it is quick and effective. The trade-off is depth: it answers FAQs well but slows down on complex, multi-step issues, and everything it does draws from a monthly credit pool.

LiveChat AI features

• URL-crawl training. Point it at your site and it builds a knowledge base automatically, usually within five minutes, with no developer needed.
• Multilingual coverage. It supports around 95 languages, which helps sites with an international audience.
• AI Actions. It connects to tools like Shopify and Calendly so the bot can help a customer buy or book, not just answer.
• Channel integrations. It plugs into WhatsApp, Slack, WordPress, and a Zendesk handoff, and now ships iOS and Android apps for agents.

LiveChat AI pricing

LiveChatAI bills on message credits. Every AI reply spends credits, so a busy month can exhaust your plan and force an upgrade or top-up.

Annual billing adds about two months free. On the Advanced and Expert plans, usage beyond your included credits requires your own OpenAI API key, which shifts model cost onto you.

Pros

• Setup is fast. Reviewers on G2, where it holds 4.6 out of 5 across 50 reviews, repeatedly cite the URL crawl as the standout: pick a page, start crawling, and the bot is trained.
• It cuts repetitive volume. Customers report it resolving the bulk of common questions, with case studies citing 65% automatic resolution.
• It is easy for non-technical owners. No AI expertise is needed to deploy it, which suits small teams.

Cons

• Credit limits create overage anxiety. A spike in traffic can burn through credits fast and trigger extra cost or a quiet bot.
• It struggles with complex queries. Users note it handles simple FAQs well but gets confused by hard, multi-step questions and needs human handoff.
• It is a separate system. If you already run a helpdesk, LiveChatAI adds another inbox and another tool to manage.

Best for: small e-commerce or non-technical sites that need a bot now and do not yet run a real helpdesk.

Fin AI (Intercom): Best Answers, Variable Bill

Fin AI is Intercom's agent, built on its Fin AI Engine, and it ranks among the strongest performers in support automation.

It handles complex, multi-step questions reliably and offers native voice alongside chat, email, and messaging. The friction is not quality. It is the meter.

Fin AI features

• Works with any helpdesk. Fin runs standalone on Zendesk, Salesforce, HubSpot, Freshworks, Front, and Gorgias, or inside Intercom, with setup in under an hour.
• Broad channel coverage. It deploys across voice, email, Messenger, Slack, WhatsApp, SMS, Instagram, Facebook, and an API.
• Procedures and actions. It can follow configured procedures and update external systems, then hand off to a human when needed.
• Copilot and analysis add-ons. An in-inbox assistant and a conversation-analysis suite are available as paid extras.

Fin AI pricing (and what counts as an outcome)

Fin charges $0.99 per outcome with a 50-outcome monthly minimum on the standalone integration, where teammates are unlimited and there is no seat cost. Inside Intercom, you also pay from $29 per seat per month on the Essential plan, more on Advanced and Expert.

A billable outcome is a resolution, a procedure handoff, or a disqualification, each $0.99. A qualification costs $9.99. Fin bills one outcome per conversation.

The Pro analysis add-on is $99 for 1,000 conversations a month, and Copilot is $35 per user per month.

Pros

• High answer quality. Reviewers consistently credit Fin with accurate, reliable answers, and it holds a 4.5 out of 5 rating across more than 3,700 G2 reviews.
• Handles complexity. It manages multi-step questions and clarifying follow-ups better than most bots.
• Native voice and scale. It covers phone alongside text channels and holds up at high volume.

Cons

• The bill is unpredictable. Resolution-based pricing is a variable cost that scales with success, and analysts flag it as the main driver of billing shock.
• It gets expensive at volume. A team running 10,000 conversations a month at a 50% resolution rate pays roughly $5,000 on Fin alone, before any Intercom seat.
• Integration and verbosity gripes. Users report setup friction with existing systems and answers that run long.

Best for: teams already on Intercom that prize answer quality and can absorb a bill that moves with volume.

If the per-outcome math is what gives you pause, that is the exact problem outcome pricing should solve in your favor, not against you.

See how Helply approaches it on the Intercom Fin alternatives breakdown.

Helply: A B2B Support Platform That Pays for Itself

Helply is an AI-native B2B support platform that runs your entire support operation and turns it into a revenue engine. The free helpdesk is the floor you build on, not the headline.

Start with what the AI does for your team. Helply drafts every reply with sources and full account context, so a human agent answers faster and sharper. That assistant is the most-used capability for B2B teams, because B2B tickets are technical and account-specific.

On top of it, Support Intelligence lets you ask questions across tickets, accounts, billing, and product data in plain language.

Then it goes where no bot goes. Every ticket is scanned for churn risk, upsell intent, competitor mentions, and feature requests. Each signal routes to the person who owns the account: churn to the CSM, upsell to the AE, product mentions to Product.

High-confidence tickets resolve autonomously, and the rest reach a human with a drafted answer ready. Support stops being a cost center and starts producing a number the board cares about.

Deployment is flexible. Layer Helply's AI agent onto Zendesk or any platform you already run, or use Helply as your full free helpdesk with unlimited seats. Either way, the same context layer feeds every channel.

Helply features

• Account Command Center. Every ticket opens with the full account in view: ARR, renewal date, product usage, ticket history, and CRM and Stripe data, loaded automatically.
• Account Context. The AI trains on your tickets plus Gong calls, CRM history, and product usage, so the answer to a B2B ticket is informed by data that lives outside the inbox.
• Revenue Signals. Churn, upsell, competitor, and feature-request detection routes the right signal to the right owner the day it happens.
• Revenue Engine and ROI reporting. Every outcome is tied to a dollar figure each month, so support reports impact, not just ticket counts.
• Deep channels. Slack Connect, Microsoft Teams, Discord, email, in-app chat, SMS, WhatsApp, a customer portal, and an API all ship first-class and feed the same memory.
• Self-building knowledge base. Helply drafts knowledge base articles from recurring ticket patterns and flags the gaps where content is missing.

Helply pricing

Helply has three tiers, and the model is simple: the helpdesk is free, and you pay only when the AI delivers a result.

• Free Helpdesk, forever ($0). Unlimited seats, shared inbox and ticketing, every channel, knowledge base, macros, and reporting. No credit card.
• AI-First Support (per outcome). Resolutions $0.50, Drafts $0.25, KB gap identified $0.50. Revenue intelligence signals (Upsell Opportunities, Churn Detection, Competitor Monitoring) $2.99 each. Feature Flags $2.99. Article Creation and Article from AI recorder $2.99 each. Spending caps are included.
• Enterprise (custom). Volume credits, SLAs, SSO, data residency, and white-glove migration.

Pros

• The helpdesk is free with unlimited seats. Bring the whole team on at no cost and pay only for AI outcomes.
• Resolutions cost half of Fin. $0.50 per resolution and $0.25 per draft keep the AI affordable as volume grows.
• It surfaces revenue, not just deflection. Churn, upsell, and competitor signals route to the right owner automatically, which neither LiveChat AI nor Fin does.
• It is built for B2B tickets. Full account context and deep channels match how technical B2B support actually works.

Cons

• It is purpose-built for technical B2B. Helply targets software companies, so a B2C shop or a non-technical micro-site is a better fit for a tool like LiveChat AI.

Best for: technical B2B companies that sell software at $1M to $50M ARR, running up to roughly 100 agents and 15,000 tickets a month.

The Real Cost Question: What You’ll Actually Pay at Scale

Below is an estimate of monthly cost across the three tools at rising volume, assuming a 50% autonomous resolution rate and counting resolutions only for an apples-to-apples view.

Assumptions: a 50% resolution rate, which is in line with real-world results for complex B2B support, with resolutions counted only.

Intercom seats start at $29 each and bill separately.

LiveChat AI credit overages and your own model cost apply past plan limits.

Helply drafts on the other half add $0.25 each, and the helpdesk itself stays free.

Fin's strength becomes a cost problem at scale, because the better it resolves, the larger the bill, before you add Intercom seats. LiveChat AI was not designed for thousands of B2B resolutions, so its credit model breaks down and pushes model cost onto you.

Helply resolves at half Fin's rate on a free helpdesk base, so the gap widens in your favor as you grow.

That is the backdrop outcome pricing replaces, and you can read the full argument in the end of per-seat pricing manifesto.

Final Verdict: The Best AI Support Agent for B2B

LiveChat AI is the right call for a small or non-technical site that needs a bot today and has no helpdesk to integrate.

Fin AI earns its place for teams already living inside Intercom that want elite answer quality and will accept a bill that moves with volume. Neither turns support into revenue, and both leave cost harder to predict than it should be.

Helply is the best fit for B2B software teams. It resolves tickets at half Fin's rate, runs your helpdesk for free with unlimited seats, and is the only one of the three that mines every conversation for churn, upsell, and product signal.