Head-to-head · facts checked 13 Sept 2026
Fin vs Zoho
Fin uniquely has 6 features · Zoho uniquely has 1 feature.
The verdict
Fin or Zoho?
Section 01
Pricing, plan by plan
Every plan each vendor publishes, monthly and yearly where both are offered.
Fin
Fin with your current helpdesk
$0.99 per outcome
50 outcomes/month minimum; works with Salesforce, HubSpot, Freshdesk and more; set up in under an hour
Fin with Intercom helpdesk
From $0.99 per outcome + $19 per helpdesk seat/mo
Complete AI + human agent solution; includes configurable inbox, ticketing, workflows, help center, and outbound suite
Pro Add-on
$99 per 1,000 conversations/mo
AI-powered analytics add-on: CX Score, AI Topics, Trends, AI Recommendations, Monitors, Custom AI Scorecards
Copilot Add-on
$35 per user/mo
AI assistant for human agents: instant advice, onboarding, AI translations, faster resolution
Zoho
Free
Free
Up to 3 agents, basic ticketing and email support
Express
— · $7/agent/mo billed yearly
For small teams, includes email ticketing and basic automation
Standard
— · $14/agent/mo billed yearly
Multi-channel support, SLA management, reports
Professional
— · $23/agent/mo billed yearly
Live chat, telephony, Zia AI, advanced automation
Enterprise
— · $40/agent/mo billed yearly
Custom dashboards, AI features, sandbox, guided conversations
Zoho One
— · $37/user/mo billed yearly
Access to 50+ Zoho applications as an operating system for business All employees.
For everything else about each tool, read the full Fin review and Zoho review.
Side by side
| Company | ||
| Founded | 2011 | 1996 |
| HQ | San Francisco, USA | Chennai, India |
| AI model | Apex 1.0 and Apex Flash (proprietary, custom-trained on customer experience interactions) | Zia (Proprietary AI) |
| User base | 12,000+ customers | 130M+ users globally |
| Platforms | Web, Voice, Chat, Email, SMS, WhatsApp, Slack, Instagram, Facebook Messenger, API | Web, iOS, Android, Windows, Mac, Chrome Extension |
| Languages | Dozens of languages with real-time translation | 30+ languages |
| Pricing | ||
| Pricing model | Usage-based | Freemium |
| Free plan | No | Yes, Zoho Desk free plan for up to 3 agents; Zoho CRM free for up to 3 users |
| Free trial | Yes | Yes — 15 days |
| Starting price | $0.99/outcome | $9/mo, Zoho Desk Express |
| Enterprise | Custom — contact sales | Custom — Zoho Enterprise plans available with dedicated support and professional services |
| Refund policy | — | Refund available — prorated refunds per Zoho's refund policy |
| All plans | Fin with your current helpdesk — $0.99 per outcome Fin with Intercom helpdesk — From $0.99 per outcome + $19 per helpdesk seat/mo Pro Add-on — $99 per 1,000 conversations/mo Copilot Add-on — $35 per user/mo | Free — Free Express Standard Professional Enterprise Zoho One |
| Positioning | ||
| Best for | Mid-market and enterprise businesses seeking an AI agent to automate customer service across multiple channels and helpdesks | SMBs to enterprise businesses seeking an all-in-one suite with CRM, helpdesk, and AI automation |
| Differentiator | Fin uses proprietary Apex AI models custom-trained on billions of customer experience interactions, achieving an industry-leading average 76% resolution rate across 12,000+ customers with outcome-based pricing so you only pay when issues are truly resolved. | Zoho offers a fully integrated, privacy-first software suite of 55+ apps covering CRM, helpdesk, finance, and more, all owned and operated without advertising-based revenue models. |
| Competitors | Zendesk AI, Freshdesk Freddy AI, Salesforce Einstein, Intercom (standalone), Ada, Tidio | Salesforce Service Cloud, Freshdesk, HubSpot Service Hub, Zendesk, Intercom |
| Features | ||
| AI Copilot for Agents | ✓ | — |
| Email & Ticketing | ✓ | — |
| Live Chat Support | ✓ | — |
| Proactive Outbound Suite | ✓ | — |
| Whatsapp & Sms | ✓ | — |
| Workflow Automations | ✓ | — |
| AI Chatbot | ✓ | ✓ |
| API Access | ✓ | ✓ |
| CRM Integration | ✓ | ✓ |
| Custom Training | ✓ | ✓ |
| Email Automation | ✓ | ✓ |
| Human Handover | ✓ | ✓ |
| Knowledge Base | ✓ | ✓ |
| Live Chat | ✓ | ✓ |
| Multilingual | ✓ | ✓ |
| Sentiment Analysis | ✓ | ✓ |
| Sla Management | ✓ | ✓ |
| Ticket Management | ✓ | ✓ |
| White Label | — | ✓ |
| Integrations | ||
| API Access | ✓ | ✓ |
| Hubspot | ✓ | ✓ |
| Key Integrations | Salesforce, HubSpot, Freshdesk, Intercom, Shopify, Slack, WhatsApp, SMS, Instagram, Facebook Messenger, Okta, Azure AD, OneLogin, MCP | Zoho CRM, Zoho SalesIQ, Google Workspace, Microsoft 365, Slack, Salesforce, HubSpot, Shopify, Zapier, Twilio, Jira |
| Salesforce | ✓ | ✓ |
| Shopify | ✓ | ✓ |
| Slack | ✓ | ✓ |
| Zapier | ✓ | ✓ |
Section 02
Fin vs Zoho: common questions
Is Fin or Zoho cheaper?
Fin's cheapest paid plan is $0.99/outcome and Zoho's is $9/mo, Zoho Desk Express. Compare what each plan includes below before going on price alone.
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