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LiveChat vs Intercom: seat prices and the cost of AI answers

LiveChat Team is $49 per person a month billed annually. Intercom Essential is $29 per seat, plus $0.99 for each conversation its Fin AI agent resolves. What a support team pays on each, from each vendor's pricing page.

The short answer

LiveChat charges per person and shows no per-conversation fee in its plan table. Intercom charges per seat and adds $0.99 for each outcome of Fin, its AI agent.

Billed annually, LiveChat is $19 for Starter, which allows one user, then $49 per person on Team and $79 on Business. Intercom is $29 per seat on Essential, $85 on Advanced and $132 on Expert. Billed monthly, LiveChat is $25, $59 and $89, and Intercom is $39, $99 and $139.

Per seat, Intercom Essential costs less than LiveChat Team. Once Fin answers a few hundred conversations a month, the outcome fees can cost more than the seats.

Prices were read in a browser on each vendor's pricing page on September 23, 2026. Both show US dollars. StackOnSale has not tested either product.

How each one charges

LiveChat: a price per person per month. The plans differ by the number of website visitors tracked (100 on Starter, 400 on Team, 1,000 on Business), chat history (60 days on Starter, unlimited from Team) and features such as the work scheduler and SMS on Business. Its AI agent is sold as a separate product, Text, which LiveChat lists from $19 per user per month.

Intercom: its FAQ says pricing "has two components": seats, paid per teammate, and usage, such as Fin outcomes and messaging channels. Fin costs $0.99 per outcome, at most once per conversation, and nothing when Fin cannot answer or the customer asks for a human. Advanced includes 20 free Lite seats and Expert includes 50.

Seat prices side by side

The table lists every plan with a published price. LiveChat's Enterprise plan and Intercom's add-ons are priced on request or separately.

Price per agent per month
Plan	Billed annually	Billed monthly	What the plan includes
LiveChat Starter	$19	$25	1 user, 100 visitors tracked, 60-day chat history
LiveChat Team	$49 per person	$59 per person	Unlimited users, 400 visitors tracked, unlimited chat history
LiveChat Business	$79 per person	$89 per person	1,000 visitors tracked, work scheduler, SMS and Apple Messages for Business
Intercom Essential	$29 per seat	$39 per seat	Messenger live chat, shared inbox and ticketing, public help center; Fin at $0.99 per outcome
Intercom Advanced	$85 per seat	$99 per seat	Workflow automation, round robin assignment, 20 free Lite seats; Fin at $0.99 per outcome
Intercom Expert	$132 per seat	$139 per seat	SSO, HIPAA support, SLAs, 50 free Lite seats; Fin at $0.99 per outcome

Read in a browser on livechat.com/pricing and intercom.com/pricing, with and without annual billing, September 23, 2026. Prices in US dollars.

What AI answers add

Fin's fee depends on how many conversations it resolves, not on how many seats you have. Intercom offers spending limits and alerts, and a 90-day money-back guarantee to try Fin.

Intercom also sells Copilot, an assistant for your agents, at $29 per teammate per month, with 10 free Copilot conversations per agent each month.

Three agents for one year, billed annually
Workload	LiveChat Team	Intercom Essential
No AI answers	3 x $49 x 12 = $1,764	3 x $29 x 12 = $1,044
200 AI outcomes a month	$1,764, plus Text if you add it (listed from $19 per user per month)	$1,044 + 200 x $0.99 x 12 = $3,420
500 AI outcomes a month	$1,764, plus Text if you add it	$1,044 + 500 x $0.99 x 12 = $6,984

StackOnSale arithmetic on the published prices. Intercom charges at most one Fin outcome per conversation and nothing when Fin cannot answer.

When LiveChat wins

You answer every chat yourself and do not want a usage bill. LiveChat's plan table has no per-conversation fee.

You are one person. LiveChat Starter is $19 a month billed annually for one user.

Your AI agent would resolve many conversations. At $0.99 per outcome, 200 Fin outcomes a month cost $198, more than four LiveChat Team seats billed annually.

When Intercom wins

You need a help center, ticketing and automation in one plan. Intercom Essential includes a shared inbox, ticketing and a public help center at $29 per seat billed annually.

You are an early-stage startup. Intercom's Early Stage program advertises 93% off for startups with under $10M raised and 15 employees or fewer, on application.

You have many occasional users. Advanced includes 20 free Lite seats and Expert 50.

What we could not verify

Intercom's charges for messaging channels such as SMS or WhatsApp. What LiveChat's AI product, Text, includes at its $19 starting price. LiveChat's answers to its own discount and additional-cost FAQs, which were collapsed on the page. Whether either annual price holds at renewal. Tax.

StackOnSale earns a commission if you buy LiveChat through our link. We have no affiliate relationship with Intercom.

Questions

Is LiveChat cheaper than Intercom?

Per seat, no: Intercom Essential is $29 and LiveChat Team $49 per person a month, billed annually. Intercom adds $0.99 per Fin AI outcome, and LiveChat Starter is $19 for one user. Read September 23, 2026.

What does Intercom's Fin AI agent cost?

$0.99 per outcome, charged at most once per conversation, and nothing if Fin cannot answer or the customer asks for a human. Fin Voice is sold at $1.99 per voice outcome through sales.

Does LiveChat have a free plan?

Not on its pricing page. It offers a 14-day free trial with no credit card.

Does Intercom have a startup discount?

Its Early Stage program advertises 93% off for startups with under $10M raised and 15 employees or fewer, on application.