# Nextiva AI Receptionist (XBert) vs InsertChat: Pricing

Source: 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 is a Nextiva AI Receptionist alternative for businesses that want email and WhatsApp answered too, from one allowance shared by every channel. Nextiva’s XBert costs $99 per month for up to 100 resolutions across calls, texts, and chat, then $0.99 each, added to a Nextiva plan. InsertChat covers calls, website chat, email, SMS, and WhatsApp from $98 per month.

Competitor details checked on October 13, 2026 from [Nextiva’s XBert AI Receptionist page](https://www.nextiva.com/products/ai-receptionist). Prices are in USD as listed; vendors change plans, so confirm current terms with each linked source.

## Our verdict on InsertChat vs Nextiva AI Receptionist

### Choose InsertChat if

- You want email and WhatsApp answered by the same AI, in the shared inbox with your calls, texts, and website chat.
- You want one credit allowance for every channel: Pro includes 5,000 credits a month, 3 assistants, and 3 seats.
- You want to keep your current phone provider: in the US and Canada, forward your existing number to InsertChat.
- You want answers from documents, questions and answers, audio and video files, and product information as well as your website.
- You want your team alerted to urgent and high-intent conversations as they happen.

### Stay with Nextiva AI Receptionist if

- You already use Nextiva for business phones and want AI answering on the same account.
- You want a per-conversation price: $99 covers up to 100, then $0.99 each, and calls under 30 seconds don’t count.
- You want complex calls transferred to your team with context.
- You use ServiceTitan, Square Bookings, or Salesforce and want Nextiva to connect it on request.
- You want a 30-day money-back guarantee.

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 Nextiva AI Receptionist at a glance

| Compared | InsertChat | Nextiva AI Receptionist |
| --- | --- | --- |
| 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)) | $99 per month for up to 100 resolutions, then $0.99 per conversation ([source](https://www.nextiva.com/products/ai-receptionist)) |
| 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)) | Conversations: a call of 30 seconds or more, or a text or chat with 3 or more AI responses ([source](https://www.nextiva.com/products/ai-receptionist)) |
| Channels | Website chat, phone, email, SMS, and WhatsApp in one shared inbox ([details](https://insertchat.com/product/inbox)) | Phone calls, text messages, web chat, and messaging apps ([source](https://www.nextiva.com/products/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)) | Transfers complex requests to your team with full context ([source](https://www.nextiva.com/products/ai-receptionist)) |
| 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)) | Learns from your website, FAQs, and business details ([source](https://www.nextiva.com/products/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)) | Live integrations include Google Calendar, Calendly, Cal.com, and Housecall Pro; Salesforce, HubSpot, Square Bookings, ServiceTitan, and others on request ([source](https://www.nextiva.com/products/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)) | $99 per month for up to 100 resolutions, with a 30-day money-back guarantee ([source](https://www.nextiva.com/products/ai-receptionist)) |
| 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)) | Listed as an add-on to Nextiva’s Core, Engage, and Scale phone plans, which are priced per user ([source](https://www.nextiva.com/pricing)) |

“Not verified” means our check did not confirm this detail. Ask the vendor before deciding.

## Switch from Nextiva AI Receptionist in a day

Keep Nextiva AI Receptionist 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 Nextiva AI Receptionist 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 Nextiva’s AI receptionist cost?

Nextiva’s XBert page lists $99 per month for up to 100 resolutions across calls, texts, and chats, then $0.99 per additional conversation. A conversation counts when a call lasts 30 seconds or more, or a text or chat gets 3 or more AI responses. InsertChat Pro is $98 per month with 5,000 monthly AI credits.

## Do I need a Nextiva phone plan for XBert?

Nextiva’s XBert page says to add XBert to your Nextiva plan, and its pricing page lists XBert as an add-on to the Core, Engage, and Scale plans. InsertChat works alongside your current phone provider: in the US and Canada, forward your existing number; elsewhere, use a local or toll-free InsertChat number.

## Which channels does each product cover?

Nextiva lists phone calls, text messages, web chat, and messaging apps for XBert. InsertChat answers calls, website chat, email, SMS, and WhatsApp in one shared inbox. SMS, WhatsApp, and additional phone numbers can carry connected-service charges.

## Can InsertChat transfer calls to my team like XBert?

Not during a live call. InsertChat lets your team’s phone ring first and has the AI answer when nobody picks up, after hours, or always. When a customer needs a person, the conversation is flagged in the shared inbox with the full transcript, and teammates can be alerted to urgent and high-intent requests.

## Can I try either product before paying?

Nextiva offers a 30-day money-back guarantee on XBert. InsertChat Pro comes with a 7-day free trial with 500 credits; a card is required at checkout, and Pro starts when the trial ends unless you cancel.

## Nextiva AI Receptionist compared with other vendors

- [Nextiva vs RingCentral](https://insertchat.com/compare/nextiva-vs-ringcentral): Nextiva’s XBert at $99 for 100 resolutions against RingCentral’s AI Receptionist at $39–$49 with 100 minutes.

## 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 Moneypenny](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 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 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.