Key takeaways
We make HeyKiko, so we aren't neutral. Every fact about Intercom Fin links to its own pages below, and we say where it's the better choice.
| What matters | Better fit | Why |
|---|---|---|
| Website chat and WhatsApp | Either | Both answer on your website and WhatsApp; Intercom bills WhatsApp messages pay-as-you-go. |
| Telegram | HeyKiko | On every HeyKiko plan; Fin doesn't list Telegram. |
| Email, SMS, Instagram, Messenger, Slack | Intercom Fin | Fin answers on all of them; HeyKiko doesn't offer them as chat channels. |
| How you pay | Depends on volume | Fin is $0.99 per outcome, at most one per conversation; HeyKiko is a monthly plan with an AI allowance (2,000 AI credits from $29). |
| Your helpdesk | Intercom Fin | Fin runs inside Intercom or on top of Zendesk, Salesforce, HubSpot and Freshdesk; HeyKiko has its own inbox and no helpdesk integrations. |
| Voice calls | HeyKiko | HeyKiko's AI answers WhatsApp calls (Pro at $199); Fin Voice is for select customers through sales. |
| Appointment booking | HeyKiko | HeyKiko books into Google Calendar itself; booking isn't mentioned on Fin's pages. |
| Campaigns | Depends on the channel | Intercom sends email campaigns and pay-per-message WhatsApp and SMS; HeyKiko sends WhatsApp campaigns on every plan and email campaigns (Pro and up). |
| Team seats | HeyKiko | HeyKiko's plans include team members (2 on the first); on Intercom each full seat is $39 to $139 a month. |
| Security and hosting | Intercom Fin | SOC 2 Type II, ISO 27001, HIPAA and GDPR, with hosting in the US, EU or Australia. |
Which is cheaper, HeyKiko or Intercom Fin?
At 250 AI conversations a month HeyKiko costs $29 and Intercom Fin up to $247.50; at 3,000 it's $199 against up to $2,970. Here is the cheapest way to get each volume on each.
| AI conversations a month | HeyKiko | Intercom Fin |
|---|---|---|
| 250about 1,000 replies | $29Starter (2,000 credits) | $247.50250 outcomes at $0.99 |
| 1,000about 4,000 replies | $119Growth (10,000 credits) | $9901,000 outcomes at $0.99 |
| 3,000about 12,000 replies | $199Pro (20,000 credits) | $2,9703,000 outcomes at $0.99 |
Monthly billing, before tax, for Fin used on your own helpdesk (no seat fees, 50-outcome monthly minimum). We count one outcome per AI conversation, which is the most Fin charges; conversations handed to your team without an outcome cost nothing. On Intercom itself, add a seat per teammate ($39 to $139 a month on monthly billing). We count about four HeyKiko replies per conversation. Meta bills WhatsApp messages separately. HeyKiko prices are our live plans in USD; see pricing for every limit.
How does pricing work on Intercom Fin and HeyKiko?
Fin charges $0.99 per outcome. A resolution, a handoff that follows your procedure, a disqualification or a self-serve routing each count as one, a qualified lead counts as $9.99, and a conversation never costs more than one outcome. Nothing is charged when Fin hands a chat to your team without an outcome. Used on your own helpdesk there's a 50-outcome monthly minimum and no seat fees; on Intercom you also pay per seat, from $39 a month.
HeyKiko is a monthly plan that includes an allowance of AI credits (2,000 AI credits from $29), your team members and every channel. A normal reply uses one credit on the standard model, and you can top up any time.
Which channels do they work on?
Fin answers on Intercom's website Messenger, email, WhatsApp, SMS, Facebook Messenger, Instagram and Slack; WhatsApp and SMS are billed pay-as-you-go. Telegram isn't listed, and Fin Voice is offered to select customers through sales.
HeyKiko answers on your website, WhatsApp and Telegram on every plan, and its AI answers WhatsApp calls on plans with calls. It doesn't offer email, SMS, Instagram, Messenger or Slack as chat channels.
Do you need a helpdesk?
Fin is built to sit inside one: Intercom's own inbox, or Zendesk, Salesforce, HubSpot or Freshdesk, where it hands chats and tickets to your team. A few features, such as Slack, are only available inside Intercom.
HeyKiko has its own shared inbox in the browser for website, WhatsApp and Telegram chats. Replying pauses the AI for that customer, a customer who asks for a person is handed over automatically, and cases with approvals handle refunds and requests. It doesn't connect to an outside helpdesk yet.
Where do their answers come from?
Fin learns from your public help articles, documents, snippets and public web pages, syncing website content weekly, and shows source links on Messenger and email answers.
HeyKiko learns from your website, files, notes and product catalogue, can check a read-only database for stock or orders, and shows the sources behind every answer. When it doesn't know, it says so.
Can they book appointments or send campaigns?
Booking isn't mentioned on Fin's pages. Intercom sends email campaigns and WhatsApp and SMS outbound messages billed per message, with more in its Proactive Support add-on.
HeyKiko books into Google Calendar itself and confirms in the chat, sends WhatsApp campaigns on every plan and email campaigns (Pro and up), and replies to a campaign go straight back to the agent.
How do they handle data and security?
Intercom states SOC 2 Type II, ISO 27001, 27701, 42001 and 27018, HIPAA, GDPR and CCPA, and hosts in the US, the EU or Australia. For strict compliance or regional hosting, Fin is the stronger choice today.
HeyKiko lets you decide which knowledge each group of signed-in customers can use, erase one customer's details and chats, set how long conversations are kept, and place a legal hold when everything must be kept.
HeyKiko and Intercom Fin, feature by feature
| Feature |  HeyKiko | FIntercom Fin |
|---|---|---|
| Website chat | YesEvery plan | YesIntercom Messenger |
| YesEvery plan | YesPay-as-you-go messages | |
| Telegram | YesEvery plan | NoNot offered |
| Instagram and Messenger | NoNot offered | Yes |
| AI answers voice calls | YesWhatsApp calls, Pro and up | PartlyFin Voice, select customers through sales |
| Shared inbox with takeover | YesEvery plan | YesIntercom, or your own helpdesk |
| Books into Google Calendar | YesEvery plan | NoNot mentioned |
| Cases with approvals | YesGrowth and up | PartlyThrough your helpdesk |
| WhatsApp campaigns | YesEvery plan | YesIn Intercom, per message |
| Email campaigns | YesPro and up | YesIn Intercom |
| Helpdesk and CRM integrations | NoNot yet | YesSalesforce, Zendesk, HubSpot, Shopify |
| Free trial | Yes14 days, no card | Yes14 days, no card |
| Starts at, billed monthly | $292,000 AI credits | $0.99per outcome, plus seats on Intercom |
Should you choose HeyKiko or Intercom Fin?
Intercom Fin is the better choice if you
- Already use Intercom, Zendesk, Salesforce or HubSpot and want AI inside it
- Need email, SMS, Instagram, Messenger or Slack answered too
- Resolve few enough conversations that paying per outcome costs less
- Need ISO 27001, HIPAA or EU or Australian hosting
HeyKiko is the better choice if you
- Want a predictable monthly price, from $29, instead of paying per outcome
- Talk to customers on your website, WhatsApp and Telegram, and want one agent and one inbox
- Want AI that answers WhatsApp calls without a sales call
- Want Google Calendar booking, cases and campaigns built in
- Want your team members included in the plan, and a 14-day trial with no card
How to move from Intercom Fin to HeyKiko
- Step 1
Bring your knowledge
Paste your help centre or website address into HeyKiko and upload your documents. Kiko reads them and shows what it learned.
- Step 2
Connect your channels
Connect WhatsApp with Meta's own sign-up (disconnect the number from Intercom first), add your Telegram bot, and add the chat to your site with one line.
- Step 3
Set your hand-off rules
Choose when Kiko passes a chat to a person and who gets it, and invite your team.
- Step 4
Test before you switch
Ask your common questions in the playground and compare the answers before you go live.
Want help moving? Book a call and we'll set it up with you.
How we compared
We read Intercom Fin's own pricing page, product pages and docs on 4 November 2026. HeyKiko's column comes from our live plans. Prices are monthly billing in USD before tax unless shown otherwise; both products bill differently per AI model, and both pass WhatsApp message fees through from Meta. If something here is out of date, tell us and we'll fix it.
