# Tidio vs Intercom Fin: Pricing for Small Teams

Source: https://insertchat.com/compare/tidio-vs-intercom-fin

> Tidio’s conversation-based plans with Lyro AI, against Intercom’s per-seat plans plus $0.99 per Fin outcome.

Tidio suits small businesses that want a free start and chat across Messenger, Instagram, and WhatsApp. Intercom Fin suits support teams that want AI paid per resolved outcome inside Intercom. InsertChat is the stronger third option when calls matter as much as chat, covering calls, website chat, email, SMS, and WhatsApp from $98 per month.

Tidio details checked on October 13, 2026 from [Tidio’s public pricing page](https://www.tidio.com/pricing/); Intercom Fin details checked on October 13, 2026 from [Intercom Fin’s public pricing page](https://www.intercom.com/pricing). Prices are in USD as listed; vendors change plans, so confirm current terms with each linked source.

## Tidio vs Intercom vs InsertChat at a glance

| Compared | Tidio | Intercom Fin | InsertChat |
| --- | --- | --- | --- |
| Pricing model | Free; Starter $24.17; Growth from $49.17; Plus from $300 plus usage; Premium custom ([source](https://www.tidio.com/pricing/)) | Per-seat plans at $29, $85, or $132 (billed annually), plus $0.99 per Fin outcome; a Fin-only plan has a monthly minimum ([source](https://www.intercom.com/pricing)) | Pro, Growth, Scale, and Enterprise plans with monthly AI credits included. Annual billing costs ten monthly payments, paid upfront. ([details](https://insertchat.com/pricing)) |
| What is metered | Billable human conversations (50 on Free, 100 on Starter, up to 2,000 on Growth) and Lyro AI conversations ([source](https://www.tidio.com/pricing/)) | Fin outcomes ($0.99 each) and seats ([source](https://www.intercom.com/pricing)) | 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)) |
| Channels | Live chat, email, Messenger, Instagram, and WhatsApp ([source](https://www.tidio.com/pricing/)) | Live chat, support email, and in-app chat included; SMS, WhatsApp, and phone are pay-as-you-go ([source](https://www.intercom.com/pricing)) | Website chat, phone, email, SMS, and WhatsApp in one shared inbox ([details](https://insertchat.com/product/inbox)) |
| Human handoff | Lyro AI Agent hands conversations to your team ([source](https://www.tidio.com/pricing/)) | Fin hands conversations to agents in your preferred inbox ([source](https://www.intercom.com/pricing)) | Your own team takes over in the shared inbox with the full conversation, on every plan ([details](https://insertchat.com/product/inbox)) |
| Knowledge sources | FAQ upload, FAQ and website scrapers, and Zendesk article import ([source](https://www.tidio.com/pricing/)) | Not verified | Website URLs, documents, questions and answers, audio and video files, and product information (1,000 sources on Pro) ([details](https://insertchat.com/product/knowledge)) |
| Booking | Not verified | Not verified | 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)) |
| Entry price | Free plan; Starter $24.17 ([source](https://www.tidio.com/pricing/)) | $29 per seat (billed annually) plus $0.99 per outcome; 14-day free trial ([source](https://www.intercom.com/pricing)) | Pro at $98/month, or $81.67/month billed annually, with 5,000 credits, 3 assistants, and 3 seats ([details](https://insertchat.com/pricing)) |
| Notable limits | Free and Starter include 50 one-off Lyro AI conversations; more need the Lyro add-on, from $32.50 a month for 50 ([source](https://www.tidio.com/pricing/)) | SMS, WhatsApp, and phone are paid add-ons; the Fin-only plan has a minimum monthly commitment, such as 50 outcomes ([source](https://www.intercom.com/pricing)) | 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)) |

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

## How Tidio and Intercom compare

### 300 AI answers with two agents

On Intercom, two seats at $29 billed annually plus 300 Fin outcomes at $0.99 come to $355 a month. Tidio’s Free and Starter plans include 50 Lyro conversations for life, so steady AI use means a larger plan: Growth from $49.17 or Plus from $300 plus usage. Our check did not confirm Growth’s Lyro allowance. InsertChat Pro is $98 per month with 3 seats and 5,000 monthly AI credits.

[Estimate your InsertChat usage](https://insertchat.com/pricing#usage-estimate)

### Channels

Tidio’s pricing page lists chat, email, Messenger, Instagram, and WhatsApp. Intercom includes chat and email, with SMS, WhatsApp, and phone as pay-as-you-go. InsertChat includes calls, website chat, email, SMS, and WhatsApp in one plan; SMS and WhatsApp can carry connected-service charges.

[How the shared inbox works](https://insertchat.com/product/inbox)

### How AI is metered

Tidio meters billable human conversations and Lyro AI conversations. Intercom charges $0.99 each time Fin resolves a conversation. InsertChat meters AI credits from one allowance, 5,000 a month on Pro.

### Phone answering

Intercom sells phone as a pay-as-you-go channel, and Tidio’s pricing page does not list phone. InsertChat’s AI receptionist answers your business number on every paid plan and books appointments.

[AI receptionist for calls](https://insertchat.com/product/phone)

## Tidio, Intercom, or InsertChat?

### Choose Tidio if

- You want a free plan for website chat, then Starter at $24.17.
- You want Messenger and Instagram in the same inbox as chat, email, and WhatsApp.
- You want AI replies included to start: Free and Starter come with 50 lifetime Lyro conversations.

### Choose Intercom if

- Your support team already works in Intercom.
- You prefer paying for AI by outcome, at $0.99 each.
- Chat and email are your main channels.

### Choose InsertChat if

- You want an AI receptionist answering calls in the same inbox as chat.
- You want a flat plan: Pro is $98 per month with 3 seats and 5,000 monthly AI credits.
- You want bookings in the built-in calendar, Google Calendar, Outlook, Calendly, or Cal.com, with optional approval.

## Compare each one with InsertChat

- [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 pricing](https://insertchat.com/pricing): Pro, Growth, Scale, and Enterprise plans with monthly AI credits, from $98 per month, plus a usage estimator for your own call and chat volume.

## Is Tidio cheaper than Intercom?

At entry, yes: Tidio lists a free plan and Starter at $24.17, while Intercom starts at $29 per seat billed annually plus $0.99 per Fin outcome. As AI volume grows, Tidio moves you to Growth or Plus, and Intercom adds $0.99 per outcome. InsertChat Pro is $98 per month with 5,000 monthly AI credits for calls and messages.

## How many AI conversations does Tidio include?

Tidio’s pricing page lists 50 lifetime Lyro AI conversations on its Free and Starter plans; check Tidio for the Growth and Plus allowances. InsertChat Pro includes 5,000 monthly AI credits, and how many conversations they cover depends on your model, conversation length, and tools.

## Does Intercom include phone support?

Intercom lists phone as a pay-as-you-go channel, next to SMS and WhatsApp. InsertChat’s AI receptionist answers calls on every paid plan, with one phone number included and calls drawn from the same credits as chat.

## Other head-to-head comparisons

- [Smith.ai vs Ruby](https://insertchat.com/compare/smith-ai-vs-ruby): Smith.ai’s per-call AI receptionist with human backup, against Ruby’s human receptionists billed by the minute.
- [Posh vs Ruby](https://insertchat.com/compare/posh-vs-ruby): Two human receptionist services billed by the minute: Posh from $65 a month, Ruby from $250 for 50 minutes.
- [Abby Connect vs Ruby](https://insertchat.com/compare/abby-connect-vs-ruby): Receptionists plus an AI option priced in Abby Minutes, against Ruby’s human receptionists and chat agents.
- [Ruby vs PATLive](https://insertchat.com/compare/ruby-vs-patlive): Two human answering services billed by the minute: Ruby from $250 for 50, PATLive from $49 pay-as-you-go.
- [Goodcall vs Rosie](https://insertchat.com/compare/goodcall-vs-rosie): Goodcall prices per unique caller with unmetered minutes; Rosie sells minute bundles from $49 for 250.
- [Rosie vs Smith.ai](https://insertchat.com/compare/rosie-vs-smith-ai): Rosie’s minute bundles from $49 against Smith.ai’s per-call AI receptionist with a free plan and human backup.
- [Dialpad vs RingCentral](https://insertchat.com/compare/dialpad-vs-ringcentral): AI receptionists inside two phone platforms: Dialpad’s credit-based AI Agents and RingCentral’s per-minute add-on.
- [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.
- [Quo Sona vs Dialpad](https://insertchat.com/compare/quo-sona-vs-dialpad): Quo’s Sona, billed per call with 10 a month included, against Dialpad’s credit-based AI receptionist.
- [Vapi vs Retell AI](https://insertchat.com/compare/vapi-vs-retell-ai): Two developer voice platforms billed per minute: Vapi’s $0.05 hosting plus providers, Retell’s $0.07–$0.31 range.
- [Bland AI vs Vapi](https://insertchat.com/compare/bland-ai-vs-vapi): Bland’s all-in per-minute talk time against Vapi’s $0.05 hosting fee plus providers at cost.
- [Retell AI vs Bland AI](https://insertchat.com/compare/retell-ai-vs-bland-ai): Retell’s per-second voice agents with chat and SMS, against Bland’s all-in talk time with Enterprise scheduling.
- [Voiceflow vs Botpress](https://insertchat.com/compare/voiceflow-vs-botpress): Two agent-building platforms: Voiceflow’s usage credits with business pricing on request, and Botpress’s conversation plans.
- [Chatbase vs CustomGPT.ai](https://insertchat.com/compare/chatbase-vs-customgpt): Chatbase’s message-credit plans from free, against CustomGPT.ai’s query-capped agents from $99.
- [Intercom vs Zendesk](https://insertchat.com/compare/intercom-fin-vs-zendesk): Intercom’s seats plus $0.99 per Fin outcome, against Zendesk’s per-agent suites with included automated resolutions.
- [Crisp vs Tidio](https://insertchat.com/compare/crisp-vs-tidio): Crisp’s per-workspace plans with AI credits, against Tidio’s plans metered by human and Lyro AI conversations.
- [LiveChat vs Tidio](https://insertchat.com/compare/livechat-vs-tidio): LiveChat’s per-user Text plans with counted AI resolutions, against Tidio’s plans with a free tier and Lyro AI.
- [Zendesk vs Freshchat](https://insertchat.com/compare/zendesk-vs-freshchat): Zendesk’s per-agent suites with paid automated resolutions, against Freshchat’s per-agent plans with Freddy AI session packs.
- [Gorgias vs Zendesk](https://insertchat.com/compare/gorgias-vs-zendesk): Gorgias prices tickets and AI interactions for online stores; Zendesk prices agents and automated resolutions.