Fini AI vs LiveChat

Make an informed decision with our comprehensive comparison. Discover which RAG solution perfectly fits your needs.

Priyansh Khodiyar's avatar
Priyansh KhodiyarDevRel at CustomGPT.ai

Fact checked and reviewed by Bill Cava

Published: 01.04.2025Updated: 25.04.2025

In this comprehensive guide, we compare Fini AI and LiveChat across various parameters including features, pricing, performance, and customer support to help you make the best decision for your business needs.

Overview

When choosing between Fini AI and LiveChat, understanding their unique strengths and architectural differences is crucial for making an informed decision. Both platforms serve the RAG (Retrieval-Augmented Generation) space but cater to different use cases and organizational needs.

Quick Decision Guide

  • Choose Fini AI if: you value industry-leading 97-98% accuracy claim backed by customer testimonials
  • Choose LiveChat if: you value mature 20+ year platform with proven enterprise reliability (adobe, paypal, ikea, samsung, best buy)

About Fini AI

Fini AI Landing Page Screenshot

Fini AI is ragless ai agent for customer support automation. Fini AI is a next-generation customer support platform built on proprietary RAGless architecture, claiming 97-98% accuracy. Founded by ex-Uber engineers and backed by Y Combinator, Fini specializes in action-taking AI agents that execute refunds, update accounts, and verify identities—going beyond traditional RAG document retrieval. Founded in 2022, headquartered in Amsterdam, Netherlands, the platform has established itself as a reliable solution in the RAG space.

Overall Rating
91/100
Starting Price
Custom

About LiveChat

LiveChat Landing Page Screenshot

LiveChat is enterprise live chat platform with ai-augmented customer support workflows. Mature 20+ year live chat platform owned by publicly-traded Text S.A. (WSE: TXT, $88.9M annual revenue) serving 37,000+ businesses including Adobe, PayPal, IKEA. NOT a RAG-as-a-Service platform—operates as human-agent live chat with AI augmentation features. Proprietary AI engine (not LLM model selection), limited knowledge sources (PDFs/websites only), no vector database controls, no anti-hallucination mechanisms. Strong for traditional customer support workflows. $20-$59/agent/month + $52/month ChatBot addon. Founded in 2002, headquartered in Wroclaw, Poland, the platform has established itself as a reliable solution in the RAG space.

Overall Rating
86/100
Starting Price
$20/mo

Key Differences at a Glance

In terms of user ratings, both platforms score similarly in overall satisfaction. From a cost perspective, pricing is comparable. The platforms also differ in their primary focus: AI Agent versus Customer Support. These differences make each platform better suited for specific use cases and organizational requirements.

⚠️ What This Comparison Covers

We'll analyze features, pricing, performance benchmarks, security compliance, integration capabilities, and real-world use cases to help you determine which platform best fits your organization's needs. All data is independently verified from official documentation and third-party review platforms.

Detailed Feature Comparison

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Fini AI
logo of livechat
LiveChat
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Data Ingestion & Knowledge Sources
  • File Support – PDF, Word, text, JSON, YAML, CSV; full website crawling
  • Cloud Integrations – Native Google Drive, Notion, Confluence, Guru (⚠️ no Dropbox)
  • Chat2KB (Growth/Enterprise) – Auto-extracts Q&A from conversations with conflict resolution
  • Real-time Updates – Starter 50 docs → Growth 1K → Enterprise unlimited
  • ⚠️ YouTube transcripts NOT supported – LLMs "not great at video interpretation"
  • Supported formats – PDFs and website crawling only (max 2,000 pages)
  • Plan limits – Team: 10 files/3 sites, Business: 30 files/10 sites
  • ⚠️ NO DOCX, TXT, CSV, Excel – No audio, video, code files (vs 1,400+ formats)
  • ⚠️ NO cloud storage sync – No Google Drive, Dropbox, OneDrive, Notion, Confluence
  • 1,400+ file formats – PDF, DOCX, Excel, PowerPoint, Markdown, HTML + auto-extraction from ZIP/RAR/7Z archives
  • Website crawling – Sitemap indexing with configurable depth for help docs, FAQs, and public content
  • Multimedia transcription – AI Vision, OCR, YouTube/Vimeo/podcast speech-to-text built-in
  • Cloud integrations – Google Drive, SharePoint, OneDrive, Dropbox, Notion with auto-sync
  • Knowledge platforms – Zendesk, Freshdesk, HubSpot, Confluence, Shopify connectors
  • Massive scale – 60M words (Standard) / 300M words (Premium) per bot with no performance degradation
Integrations & Channels
  • 20+ Native Helpdesk Integrations – Zendesk, Intercom, Salesforce, Front, Gorgias, HubSpot (⚠️ no Zapier)
  • Omnichannel – Slack, Discord, Teams; WhatsApp/Messenger via Zendesk/Intercom (⚠️ not Telegram)
  • Website Options – Fini Widget, Search Bar, Standalone; Chrome Extension for agents
  • Messaging platforms – Website, Facebook, WhatsApp, Apple Messages, Telegram, SMS, email
  • 200+ marketplace integrations – Zapier (5,000+ apps), HubSpot, Salesforce, Zendesk, Intercom
  • E-commerce platforms – Shopify, WooCommerce, BigCommerce native plugins
  • Custom integrations – Webhooks with JSON payloads, 10s response timeout
  • Website embedding – Lightweight JS widget or iframe with customizable positioning
  • CMS plugins – WordPress, WIX, Webflow, Framer, SquareSpace native support
  • 5,000+ app ecosystem – Zapier connects CRMs, marketing, e-commerce tools
  • MCP Server – Integrate with Claude Desktop, Cursor, ChatGPT, Windsurf
  • OpenAI SDK compatible – Drop-in replacement for OpenAI API endpoints
  • LiveChat + Slack – Native chat widgets with human handoff capabilities
Core Chatbot Features
  • Sophie AI Agent – 5-layer execution: Safety, LLM Supervisor, Skills, Feedback, Traceability
  • 100+ Languages – Locale-based routing with real-time translation
  • Human Handoff – Context-preserving escalation via keywords, sentiment, confidence thresholds
  • 80% Ticket Resolution – End-to-end without human intervention claim
N/A
  • ✅ #1 accuracy – Median 5/5 in independent benchmarks, 10% lower hallucination than OpenAI
  • ✅ Source citations – Every response includes clickable links to original documents
  • ✅ 93% resolution rate – Handles queries autonomously, reducing human workload
  • ✅ 92 languages – Native multilingual support without per-language config
  • ✅ Lead capture – Built-in email collection, custom forms, real-time notifications
  • ✅ Human handoff – Escalation with full conversation context preserved
Customization & Branding
  • GUI Widget Editor – Logo, colors, title, messages, FAQs (⚠️ CSS not documented)
  • White-Labeling – Custom domain (CNAME), full logo replacement, agent identity renaming
  • 100+ Tone Options – Friendly, Professional, TaxAssistant, Finance advisor, Casual, polite
  • Dynamic Routing – User context (VIP, first-time, veteran) for metadata-driven personalization
N/A
  • Full white-labeling included – Colors, logos, CSS, custom domains at no extra cost
  • 2-minute setup – No-code wizard with drag-and-drop interface
  • Persona customization – Control AI personality, tone, response style via pre-prompts
  • Visual theme editor – Real-time preview of branding changes
  • Domain allowlisting – Restrict embedding to approved sites only
L L M Model Options
  • Starter (Free) – GPT-4o mini only
  • Growth – GPT-4o mini + Claude
  • Enterprise – GPT-4o + Multi-layer automatic routing per query part
  • RAGless Architecture – Query-writing AI; "no embeddings, no hallucinations"
  • ⚠️ No Runtime Switching – Plan-based selection only
  • ⚠️ NO model selection – Proprietary AI engine only
  • ⚠️ NO GPT-4, Claude, Gemini – Cannot choose LLM providers
  • ⚠️ NO BYOLLM – No custom models or fine-tuning
  • ⚠️ Opaque processing – Architecture and training data not documented (3/10 flexibility)
  • GPT-5.1 models – Latest thinking models (Optimal & Smart variants)
  • GPT-4 series – GPT-4, GPT-4 Turbo, GPT-4o available
  • Claude 4.5 – Anthropic's Opus available for Enterprise
  • Auto model routing – Balances cost/performance automatically
  • Zero API key management – All models managed behind the scenes
Developer Experience ( A P I & S D Ks)
  • Base URL – https://api-prod.usefini.com (v2, Bearer Token auth)
  • Core Endpoints – /v2/bots/ask-question, /v2/bots/links/*, feedback, chat history
  • ⚠️ NO Official SDKs – Only Python and Node.js examples
  • Documentation Quality – 3/5 completeness, 2/5 error handling, 1/5 rate limits
  • Paramount – Open-source tool (github.com/ask-fini/paramount) for accuracy measurement
  • Agent Chat API v3.5 – REST and WebSocket with OAuth 2.1 PKCE
  • Mobile SDKs – iOS (Swift, iOS 15.6+), Android (Kotlin via Gradle)
  • Strong documentation – Postman collections, tutorials, Discord community
  • ⚠️ NO Python SDK – JavaScript/mobile only, limits backend integration
  • REST API – Full-featured for agents, projects, data ingestion, chat queries
  • Python SDK – Open-source customgpt-client with full API coverage
  • Postman collections – Pre-built requests for rapid prototyping
  • Webhooks – Real-time event notifications for conversations and leads
  • OpenAI compatible – Use existing OpenAI SDK code with minimal changes
Performance & Accuracy
  • 97-98% Accuracy Claim – Column Tax (94%, 98% resolved), Qogita (90%, 121% SLA)
  • 6 Hallucination Prevention – RAGless, LLM filtering, confidence gating, guardrails, skill modules
  • Accuracy Tools – Sophia AI Evaluator (Growth/Enterprise), Paramount, CXACT Benchmarking
  • 80% Ticket Resolution – End-to-end without human intervention
  • Real-time delivery – Sub-second message delivery, praised for reliability
  • Scalability – 37,000+ businesses, enterprise customers (Adobe, PayPal, IKEA)
  • ⚠️ NO accuracy benchmarks – No published AI retrieval metrics
  • ⚠️ Operational focus – Metrics for queue times, agent response, not AI accuracy
  • Sub-second responses – Optimized RAG with vector search and multi-layer caching
  • Benchmark-proven – 13% higher accuracy, 34% faster than OpenAI Assistants API
  • Anti-hallucination tech – Responses grounded only in your provided content
  • OpenGraph citations – Rich visual cards with titles, descriptions, images
  • 99.9% uptime – Auto-scaling infrastructure handles traffic spikes
Customization & Flexibility ( Behavior & Knowledge)
  • Guidelines System – Tone, phrases, forbidden terms, formatting, response length
  • Bot Management – Starter 2 bots → Growth/Enterprise unlimited
  • Real-time Learning – Chat2KB auto-learning (MECE), Flows for specialized workflows
  • Dynamic Personalization – User context from backend, segment-based routing
N/A
  • Live content updates – Add/remove content with automatic re-indexing
  • System prompts – Shape agent behavior and voice through instructions
  • Multi-agent support – Different bots for different teams
  • Smart defaults – No ML expertise required for custom behavior
Pricing & Scalability
  • ⚠️ Pricing NOT Publicly Disclosed – Requires sales contact
  • Starter (Free) – GPT-4o mini, ~50 questions/month, ~50 docs, 2 bots
  • Growth (est. $999/mo) – GPT-4o mini/Claude, 1K docs, unlimited users, SOC 2, RBAC, Chat2KB
  • Enterprise (Custom) – GPT-4o, Multi-layer models, unlimited docs, AI Actions, white-glove onboarding
  • Zero-Pay Guarantee – Only pay if >80% accuracy met
  • Starter – $20/agent/month, 60-day history, 1 user
  • Team – $41/agent/month, unlimited history, 10 files/3 sites
  • Business – $59/agent/month, staffing predictions, 30 files/10 sites
  • Enterprise – Custom pricing, min 5 seats, SSO/SAML, white-label, HIPAA
  • ⚠️ Cost escalation – 10 agents + ChatBot = $642/month ($7,704/year)
  • Standard: $99/mo – 60M words, 10 bots
  • Premium: $449/mo – 300M words, 100 bots
  • Auto-scaling – Managed cloud scales with demand
  • Flat rates – No per-query charges
Security & Privacy
  • Certifications – SOC 2 Type II (zero findings), ISO 27001, ISO 42001, GDPR
  • ⚠️ HIPAA Conflicting – Marketing claims vs. case study "next up" (verify)
  • ⚠️ PCI DSS – Claimed but not on official security section (verify)
  • PII Shield – Auto-masks SSN, passport, license, taxpayer ID, credit cards
  • Encryption – AES-256 at rest, TLS 1.3 in transit; "no training" policy
  • Access Controls – RBAC (Growth/Enterprise), SSO, audit logging, EU/US data residency
  • Seven certifications – SOC 2, GDPR, HIPAA, ISO 27001, PCI DSS, FedRAMP, CSA Star
  • Encryption – TLS transit, AES-256 at rest
  • Data residency – EU (Poland) compliance with account isolation
  • ⚠️ SSO/SAML Enterprise only – Significant gap for mid-market identity management
  • SOC 2 Type II + GDPR – Third-party audited compliance
  • Encryption – 256-bit AES at rest, SSL/TLS in transit
  • Access controls – RBAC, 2FA, SSO, domain allowlisting
  • Data isolation – Never trains on your data
Observability & Monitoring
  • Fini 2.0 (Jan 2025) – AI resolution, quality, confidence, CSAT, agent productivity, drop-off analysis
  • Chat History (Feb 2025) – Centralized view with filtering; CSV/JSON export for Looker/Tableau
  • AI Categorization – Auto-tags by topic (returns, login, pricing, shipping)
  • Knowledge Gap Analysis – Identifies unanswerable questions with improvement suggestions
  • Real-time monitoring – Agent status, queue depth, visitor activity dashboards
  • Chat metrics – Volume, missed chats, response times, agent performance, CSAT
  • Staffing predictions – AI scheduling optimization (Business+ plans)
  • ⚠️ NO AI metrics – No retrieval accuracy, semantic search, hallucination monitoring
  • Real-time dashboard – Query volumes, token usage, response times
  • Customer Intelligence – User behavior patterns, popular queries, knowledge gaps
  • Conversation analytics – Full transcripts, resolution rates, common questions
  • Export capabilities – API export to BI tools and data warehouses
Support & Ecosystem
  • Founding Team – Ex-Uber engineers; CEO led 4M+ interactions/month at Uber
  • Backed By – Y Combinator S22 ($125K), Matrix Partners, angels from Uber/Intercom/Softbank
  • Customers – HackerRank, Qogita, Column Tax, Bitdefender, Duolingo, Meesho, TrainingPeaks
  • Implementation – 60-day program; Enterprise gets dedicated AI engineers, 24/7 Slack
  • 24/7 support – Live chat and email, consistently praised (4.5/5 G2, 4.6/5 Capterra)
  • Developer docs – Extensive at developers.livechat.com with Postman, tutorials
  • Enterprise SLA – Guaranteed response times on custom contracts
  • Common criticisms – Rising prices, per-agent scaling costs, fragmented ChatBot product
  • Comprehensive docs – Tutorials, cookbooks, API references
  • Email + in-app support – Under 24hr response time
  • Premium support – Dedicated account managers for Premium/Enterprise
  • Open-source SDK – Python SDK, Postman, GitHub examples
  • 5,000+ Zapier apps – CRMs, e-commerce, marketing integrations
Additional Considerations
  • RAGless Positioning – Criticizes RAG as "search engines" claiming "will become obsolete"
  • Action-Taking Focus – Actions vs. information ("Done! Refund processed" vs. "Find details here")
  • Target Customer – Enterprise B2C high-volume (fintech, e-commerce, healthcare)
  • vs. Intercom Fin – Claims 95%+ accuracy vs. ~80%; platform agnostic
  • ⚠️ Less Suitable For – General Q&A, content generation, standalone chatbots
  • ⚠️ Platform classification – Human-agent live chat with AI, NOT RAG-as-a-Service
  • Primary strength – Customer support workflows with 200+ integrations, seven certifications
  • ⚠️ Knowledge gap – PDFs/websites only, NO DOCX/CSV/Excel/audio/video/code files
  • ⚠️ NO RAG infrastructure – No vector DB, embeddings, chunking, similarity thresholds
  • Time-to-value – 2-minute deployment vs weeks with DIY
  • Always current – Auto-updates to latest GPT models
  • Proven scale – 6,000+ organizations, millions of queries
  • Multi-LLM – OpenAI + Claude reduces vendor lock-in
No- Code Interface & Usability
  • Time to Go Live – "2 minutes" setup, <1 week full integration, 1-2 weeks Enterprise
  • No-Code Deployment – Widget (JS snippet), Search Bar, Standalone, native helpdesk one-click, Chrome Extension
  • Admin Dashboard – Agent creation, Knowledge Hub (Notion/Confluence/Drive), Prompt Configurator (escalation, guardrails)
  • Pre-Built Templates – E-commerce, fintech, SaaS onboarding workflows
N/A
  • 2-minute deployment – Fastest time-to-value in the industry
  • Wizard interface – Step-by-step with visual previews
  • Drag-and-drop – Upload files, paste URLs, connect cloud storage
  • In-browser testing – Test before deploying to production
  • Zero learning curve – Productive on day one
Competitive Positioning
  • Market Position – Agentic AI for customer support; Sophie's 5-layer + RAGless claiming 97-98% accuracy
  • Key Competitors – Intercom Fin, Zendesk Answer Bot, Ada, Ultimate.ai, traditional RAG chatbots
  • Competitive Advantages – 97-98% accuracy vs. ~80%, 20+ native integrations, RAGless, 100+ languages, Zero-Pay Guarantee
  • Best Value For – Enterprises prioritizing accuracy, action-taking AI, regulated industries (fintech, healthcare)
N/A
  • Market position – Leading RAG platform balancing enterprise accuracy with no-code usability. Trusted by 6,000+ orgs including Adobe, MIT, Dropbox.
  • Key differentiators – #1 benchmarked accuracy • 1,400+ formats • Full white-labeling included • Flat-rate pricing
  • vs OpenAI – 10% lower hallucination, 13% higher accuracy, 34% faster
  • vs Botsonic/Chatbase – More file formats, source citations, no hidden costs
  • vs LangChain – Production-ready in 2 min vs weeks of development
A I Models
  • Starter (Free) – GPT-4o mini only (~50 questions/month)
  • Growth – GPT-4o mini + Claude, 1K docs, unlimited users
  • Enterprise – GPT-4o + Multi-layer automatic routing per query part
  • Target Accuracy – 97-98% claim with human-in-the-loop customization
  • ⚠️ No Manual Switching – Plan-based model selection only
  • Proprietary engine – Internal NLP, doesn't rely on OpenAI/Bard/Bing
  • ⚠️ NO LLM selection – Cannot choose GPT-4, Claude, Gemini
  • ⚠️ Opaque architecture – Model training data, capabilities not documented
  • ⚠️ NO BYOLLM – No model routing, fine-tuning, custom models (3/10 flexibility)
  • OpenAI – GPT-5.1 (Optimal/Smart), GPT-4 series
  • Anthropic – Claude 4.5 Opus/Sonnet (Enterprise)
  • Auto-routing – Intelligent model selection for cost/performance
  • Managed – No API keys or fine-tuning required
R A G Capabilities
  • RAGless Architecture – Query-writing AI; "no embeddings, no hallucinations" with precise attribution
  • 6-Mechanism Prevention – LLM filtering, confidence gating, guardrails, deterministic skill modules
  • Real-time Knowledge – Content used immediately after ingestion without retraining
  • Chat2KB (Growth/Enterprise) – Auto-extracts Q&A with MECE classification, conflict resolution
  • Customer Results – Column Tax (94%, 98% resolved), Qogita (90%, 121% SLA)
  • ⚠️ NOT RAG platform – No vector DB, embedding controls, retrieval pipeline
  • ⚠️ Limited sources – PDFs and websites only (max 2,000 pages, 10-30 files)
  • ⚠️ Human-agent focus – Agent workflows, not autonomous retrieval (2/10 RAG rating)
  • GPT-4 + RAG – Outperforms OpenAI in independent benchmarks
  • Anti-hallucination – Responses grounded in your content only
  • Automatic citations – Clickable source links in every response
  • Sub-second latency – Optimized vector search and caching
  • Scale to 300M words – No performance degradation at scale
Use Cases
  • Enterprise B2C Support – High-volume fintech, e-commerce, healthcare (80% resolution, 97-98% accuracy)
  • Action-Taking AI – Autonomous refunds, updates, CRM sync (Salesforce, Stripe, Shopify)
  • Helpdesk Integration – 20+ native platforms (Zendesk, Intercom, Salesforce, Front) without Zapier
  • PII-Sensitive Industries – Auto-masking SSN, passport, license, credit cards with PII Shield
  • ⚠️ NOT Suitable For – General Q&A, content generation, no existing helpdesk
  • Customer support – Live chat for 37,000+ businesses with AI agent augmentation
  • E-commerce – Shopify/WooCommerce/BigCommerce native integrations
  • Multi-channel – Website, Facebook, WhatsApp, Apple Messages, Telegram, SMS
  • ⚠️ NOT suitable for – Autonomous knowledge retrieval, programmatic document search
  • Customer support – 24/7 AI handling common queries with citations
  • Internal knowledge – HR policies, onboarding, technical docs
  • Sales enablement – Product info, lead qualification, education
  • Documentation – Help centers, FAQs with auto-crawling
  • E-commerce – Product recommendations, order assistance
Security & Compliance
  • SOC 2 Type II – Zero audit findings per Sprinto
  • ISO 27001 & 42001 – Information security + AI governance
  • GDPR Compliant – Full data subject rights, EU data residency
  • ⚠️ HIPAA Conflicting – Marketing claims vs. case study "next up" (verify)
  • ⚠️ PCI DSS – Claimed but not on official security page (verify)
  • "No Training on Data" – OpenAI DPA; PII Shield; AES-256, TLS 1.3
  • Seven certifications – SOC 2, GDPR, HIPAA, ISO 27001, PCI DSS, FedRAMP, CSA Star
  • Data privacy – Customer data never used for training, zero-retention policies
  • Encryption – TLS transit, AES-256 at rest, regional data residency
  • ⚠️ HIPAA/SSO Enterprise only – Min 5 seats ($6,000/year minimum)
  • SOC 2 Type II + GDPR – Regular third-party audits, full EU compliance
  • 256-bit AES encryption – Data at rest; SSL/TLS in transit
  • SSO + 2FA + RBAC – Enterprise access controls with role-based permissions
  • Data isolation – Never trains on customer data
  • Domain allowlisting – Restrict chatbot to approved domains
Pricing & Plans
  • ⚠️ Pricing NOT Publicly Disclosed – Requires sales contact
  • Starter (Free) – GPT-4o mini, ~50 questions/month, ~50 docs, 2 bots
  • Growth (est. $999/mo) – GPT-4o mini/Claude, 1K docs, unlimited users, SOC 2, RBAC, Chat2KB
  • Enterprise (Custom) – GPT-4o, Multi-layer models, unlimited docs, AI Actions, white-glove onboarding
  • Zero-Pay Guarantee – Only pay if >80% accuracy met (unique risk mitigation)
  • Starter – $20/agent/month, 60-day history, 1 user
  • Team – $41/agent/month, unlimited history, 400 users, AI features
  • Business – $59/agent/month, staffing predictions, full AI features
  • Enterprise – Custom pricing (min 5 seats), SSO/SAML, white-label, HIPAA
  • ⚠️ Cost escalation – Per-agent model criticized for scaling vs project pricing
  • Standard: $99/mo – 10 chatbots, 60M words, 5K items/bot
  • Premium: $449/mo – 100 chatbots, 300M words, 20K items/bot
  • Enterprise: Custom – SSO, dedicated support, custom SLAs
  • 7-day free trial – Full Standard access, no charges
  • Flat-rate pricing – No per-query charges, no hidden costs
Support & Documentation
  • Founding Team – Ex-Uber engineers; CEO led 4M+ interactions/month; Y Combinator S22, Matrix Partners
  • Customers – HackerRank, Qogita, Column Tax, Bitdefender, Duolingo, Meesho
  • 60-Day Implementation – Discovery → Deployment → Optimization → Production with dedicated managers
  • Enterprise Support – Dedicated AI engineers, CSMs, 24/7 Slack channels
  • ⚠️ Documentation Quality – 3/5 completeness, 2/5 error handling, 1/5 rate limits; NO SDKs
  • 24/7 support – Live chat/email, consistently praised (4.5/5 G2, 4.6/5 Capterra)
  • Developer docs – Extensive at developers.livechat.com with Postman, tutorials
  • Enterprise SLA – Guaranteed response times, uptime commitments
  • SDK support – JavaScript, iOS (Swift), Android (Kotlin), Customer SDK
  • Documentation hub – Docs, tutorials, API references
  • Support channels – Email, in-app chat, dedicated managers (Premium+)
  • Open-source – Python SDK, Postman, GitHub examples
  • Community – User community + 5,000 Zapier integrations
Limitations & Considerations
  • ⚠️ Pricing Opacity – No public pricing creates evaluation friction
  • ⚠️ HIPAA & PCI DSS Unverified – Conflicting claims require verification
  • ⚠️ Documentation Limitations – Basic API docs (3/5, 2/5, 1/5), no SDKs
  • ⚠️ Small Team (14 employees) – Limited capacity vs. enterprise competitors
  • ⚠️ Platform Lock-In – Requires existing helpdesk (Zendesk/Intercom/Salesforce)
  • Best For – Enterprise B2C high-volume prioritizing 97-98% accuracy, 60-day commitment
  • ⚠️ NOT RAG platform – Human-agent live chat, not autonomous retrieval (2/10 RAG)
  • ⚠️ Limited formats – PDFs/websites only, NO DOCX/CSV/Excel/audio/video/code
  • ⚠️ NO LLM flexibility – Proprietary engine only, no GPT-4/Claude/Gemini
  • ⚠️ Fragmented product – ChatBot requires separate $52/month purchase
  • ⚠️ Cost scaling – Per-agent pricing criticized, 10 agents = $642/month
  • Managed service – Less control over RAG pipeline vs build-your-own
  • Model selection – OpenAI + Anthropic only; no Cohere, AI21, open-source
  • Real-time data – Requires re-indexing; not ideal for live inventory/prices
  • Enterprise features – Custom SSO only on Enterprise plan
Core Agent Features
  • Sophie AI Agent – Fully autonomous resolving 80% of tickets end-to-end without human intervention
  • 5-Layer Execution – Safety Guardrails (40+ filters, PII), LLM Supervisor, Skills, Feedback, Traceability
  • Multi-Layer Architecture (Enterprise) – Automatic routing to best LLM per query part; specialized agents
  • Action-Taking – Autonomous refunds, updates, CRM sync (Salesforce, Stripe, Shopify)
  • 100+ Languages – Automatic translation with locale-based routing
  • AI Reply Suggestions – Context-based response recommendations from knowledge sources
  • Text Enhancement – Grammar correction and tone polishing before sending
  • AI Insights – Analyzes 1,000+ queries in 30s for trends
  • ⚠️ NO anti-hallucination – No citation attribution or source tracing
  • Custom AI Agents – Autonomous GPT-4/Claude agents for business tasks
  • Multi-Agent Systems – Specialized agents for support, sales, knowledge
  • Memory & Context – Persistent conversation history across sessions
  • Tool Integration – Webhooks + 5,000 Zapier apps for automation
  • Continuous Learning – Auto re-indexing without manual retraining
R A G-as-a- Service Assessment
  • Platform Type – AGENTIC AI CUSTOMER SUPPORT with RAGless architecture, NOT traditional RAG-as-a-Service
  • Architectural Approach – Query-writing AI; "no embeddings, no hallucinations" with deterministic results
  • Sophie's 5-Layer Framework – 97-98% accuracy vs. ~80% competitors; Zero-Pay Guarantee
  • ⚠️ Developer Experience – Basic REST API (v2), NO SDKs, docs (3/5, 2/5, 1/5)
  • No-Code Capabilities – "2 minutes" setup, 20+ native helpdesk integrations, "Day 1 Ready-to-Use"
  • ⚠️ NOT A RAG PLATFORM – Explicitly positions AGAINST traditional RAG; fundamentally different
  • ⚠️ NOT Suitable For – General Q&A, content generation, no helpdesk, programmatic RAG API needs
N/A
  • Platform type – TRUE RAG-AS-A-SERVICE with managed infrastructure
  • API-first – REST API, Python SDK, OpenAI compatibility, MCP Server
  • No-code option – 2-minute wizard deployment for non-developers
  • Hybrid positioning – Serves both dev teams (APIs) and business users (no-code)
  • Enterprise ready – SOC 2 Type II, GDPR, WCAG 2.0, flat-rate pricing
200+ Integration Ecosystem ( Core Differentiator)
N/A
  • Mature marketplace – 200+ pre-built integrations after 20+ years development
  • Enterprise CRM depth – Deep Salesforce, HubSpot, Zendesk, Intercom integrations
  • E-commerce validated – Official Shopify/WooCommerce/BigCommerce plugins
  • Webhook flexibility – JSON payloads, 10s timeouts for custom workflows (8/10 differentiator)
N/A
Agent Chat A P I v3.5 ( Differentiator)
N/A
  • Dual transport – REST API and WebSocket (RTM) for real-time communication
  • Official SDKs – JavaScript/Node.js, iOS (Swift), Android (Kotlin), Customer SDK
  • OAuth 2.1 PKCE – Modern auth plus Personal Access Tokens
  • ⚠️ Rate limits – 180 requests/min may constrain high-volume apps
  • ⚠️ Chat ops focus – No RAG APIs for semantic search or embedding management
N/A
Chat Bot Automation ( Separate Product)
N/A
  • Visual builder – Drag-and-drop no-code chatbot with NLP
  • Proprietary engine – Internal NLP, doesn't use OpenAI/Bard/Bing
  • ⚠️ Additional cost – $52/month on top of LiveChat subscription
  • ⚠️ NO LLM selection – Proprietary only, no GPT-4/Claude/Gemini access
N/A
Widget Customization & White- Labeling
N/A
  • Live editor – Theme presets, custom hex colors, logo uploads, positioning
  • WCAG 2.1 AA – Accessibility with screen readers, keyboard navigation
  • Mobile responsive – Device-specific settings and hiding options
  • ⚠️ White-label Enterprise only – Requires custom pricing, minimum 5 seats
N/A
R A G Implementation & Accuracy
N/A
  • ⚠️ NOT RAG-as-a-Service – No vector database, embeddings, retrieval pipeline
  • ⚠️ NO chunking/embedding controls – Size, overlap, model selection not exposed
  • ⚠️ NO hybrid search – No keyword + semantic combination
  • ⚠️ NO anti-hallucination – No citations, source verification (2/10 RAG platform)
N/A
Full Compliance Portfolio ( Core Differentiator)
N/A
  • Seven certifications – SOC 2, GDPR, HIPAA, ISO 27001, PCI DSS, FedRAMP, CSA Star
  • FedRAMP unique – Rare federal authorization enables government contracts
  • PCI DSS masking – Built-in payment card protection for financial services
  • HIPAA BAA – Business Associate Agreement for healthcare compliance (9/10 differentiator)
N/A

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Final Thoughts

Final Verdict: Fini AI vs LiveChat

After analyzing features, pricing, performance, and user feedback, both Fini AI and LiveChat are capable platforms that serve different market segments and use cases effectively.

When to Choose Fini AI

  • You value industry-leading 97-98% accuracy claim backed by customer testimonials
  • True action-taking capabilities - executes refunds, KYC, account updates beyond Q&A
  • RAGless architecture eliminates hallucinations with precise source attribution

Best For: Industry-leading 97-98% accuracy claim backed by customer testimonials

When to Choose LiveChat

  • You value mature 20+ year platform with proven enterprise reliability (adobe, paypal, ikea, samsung, best buy)
  • 200+ integrations with robust Zapier support (5,000+ app connections) and comprehensive webhooks
  • Exceptional compliance portfolio: SOC 2 + GDPR + HIPAA + ISO 27001 + PCI DSS + FedRAMP + CSA Star Level 1

Best For: Mature 20+ year platform with proven enterprise reliability (Adobe, PayPal, IKEA, Samsung, Best Buy)

Migration & Switching Considerations

Switching between Fini AI and LiveChat requires careful planning. Consider data export capabilities, API compatibility, and integration complexity. Both platforms offer migration support, but expect 2-4 weeks for complete transition including testing and team training.

Pricing Comparison Summary

Fini AI starts at custom pricing, while LiveChat begins at $20/month. Total cost of ownership should factor in implementation time, training requirements, API usage fees, and ongoing support. Enterprise deployments typically see annual costs ranging from $10,000 to $500,000+ depending on scale and requirements.

Our Recommendation Process

  1. Start with a free trial - Both platforms offer trial periods to test with your actual data
  2. Define success metrics - Response accuracy, latency, user satisfaction, cost per query
  3. Test with real use cases - Don't rely on generic demos; use your production data
  4. Evaluate total cost - Factor in implementation time, training, and ongoing maintenance
  5. Check vendor stability - Review roadmap transparency, update frequency, and support quality

For most organizations, the decision between Fini AI and LiveChat comes down to specific requirements rather than overall superiority. Evaluate both platforms with your actual data during trial periods, focusing on accuracy, latency, ease of integration, and total cost of ownership.

📚 Next Steps

Ready to make your decision? We recommend starting with a hands-on evaluation of both platforms using your specific use case and data.

  • Review: Check the detailed feature comparison table above
  • Test: Sign up for free trials and test with real queries
  • Calculate: Estimate your monthly costs based on expected usage
  • Decide: Choose the platform that best aligns with your requirements

Last updated: February 3, 2026 | This comparison is regularly reviewed and updated to reflect the latest platform capabilities, pricing, and user feedback.

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Priyansh Khodiyar's avatar

Priyansh Khodiyar

DevRel at CustomGPT.ai. Passionate about AI and its applications. Here to help you navigate the world of AI tools and make informed decisions for your business.

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