Decagon vs Fin by Intercom (2026)
Fin and Decagon both resolve tickets autonomously and both bill by outcome, but they sell to different buyers. Fin's transparent $0.99 per resolution and Intercom pedigree make it easy to try, while Decagon's custom-quoted, concierge-grade deployment targets teams that want a tailored agent and will invest weeks to get it. Start-fast versus built-for-you is the whole debate.
At a glance
| Attribute |
 Decagon
|
 Fin by Intercom
|
|---|---|---|
| What it is | Hire our generative AI agents to give customers a mind-blowing experience. Trusted by massive enterprises and high-growth startups. | Intercom's AI agent resolves customer questions instantly using your support content, and hands off to your team when it can't. |
| Pricing | Per resolution · Custom | Per resolution · $0.99/outcome; 50 outcomes/mo minimum |
| Est. monthly cost | No published price to estimate | $2,970/mo $0.99 per resolution; Resolutions, procedure handoffs, disqualifications $0.99; qualifications $9.99; minimum applies on standalone helpdesks |
| Founded | 2023 | 2011 |
| Categories | AI Agents & Chatbots Enterprise | AI Agents & Chatbots Help Desk & Ticketing |
| Channels | ||
| Chat | ✓ | ✓ |
| ✓ | ✓ | |
| Voice | ✓ | ✓ |
| Social | — | ✓ |
| Compliance (vendor-claimed) | ||
| SOC 2 | ✓ | ✓ |
| HIPAA | ✓ | ✓ |
| ISO 27001 | — | ✓ |
| PCI DSS | ✓ | — |
| ISO 42001 | — | ✓ |
| EU AI Act | ✓ | — |
| Data residency | Not verified | US, EU, Australia |
| Languages | 70+ languages | Dozens of languages |
| What the AI can do | ||
| Takes actions | ✓ | ✓ |
| Hands off to a human | Not verified | ✓ |
| Choice of LLM | Not verified | Not verified |
| Buying | ||
| Free trial | Not verified | 14-day free trial |
| How you buy | Not verified | Self-serve signup |
| Minimum commitment | — | 50 outcomes/mo minimum |
| Company | Independent, venture-backed | Acquired by Salesforce (September 2026) |
| Works with | Zendesk Salesforce Intercom Shopify Stripe Kustomer | Intercom Salesforce HubSpot Freshdesk Zoho Front Dixa Gorgias Sprinklr Statuspage Stripe |
| Key features |
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| Next step |
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Estimates assume 5,000 conversations a month, 60% handled by AI and 10 agent seats, at each vendor's published list price (the cost calculator's model); treat them as a floor, not a quote. Compliance rows are what vendors publicly claim, and “Not verified” means we have not confirmed that fact yet, not that the tool lacks it.
Choose Decagon or Fin by Intercom?
Choose Decagon if
Best for: High-growth and enterprise consumer companies that want a concierge-grade AI agent across chat, email and voice, with refunds and billing changes executed through Zendesk, Salesforce, Stripe or Shopify, usage-based pricing with no seat fees, and HIPAA, PCI DSS and EU AI Act coverage.
- you need enterprise scale, security, and compliance
- you need a vendor that publicly claims PCI DSS and EU AI Act
Look elsewhere if you want published prices, a free trial or a self-serve start: Decagon is white-glove and quote-based, and its verified facts do not include a stated data residency.
Choose Fin by Intercom if
Best for: Teams that want to pay only for resolved questions, at $0.99 per outcome with a 14-day trial and a self-serve start, whether they run Intercom or keep Zendesk, Salesforce, HubSpot or another help desk underneath, with US, EU or Australian hosting and SOC 2, HIPAA, ISO 27001 and ISO 42001 coverage.
- you need a full help desk and ticketing suite
- you need Social coverage
- you need a vendor that publicly claims ISO 27001 and ISO 42001
Look elsewhere if you want a predictable flat bill: the per-outcome model with a 50-outcome monthly minimum means a good month costs more. Also weigh the September 2026 Salesforce acquisition when you need roadmap certainty.
About Decagon
Decagon builds what it calls an AI concierge: autonomous agents that resolve customer issues across chat, email, voice, and SMS, all sharing one brain and one memory of your customer. Instead of trapping your logic in brittle decision trees, Decagon uses Agent Operating Procedures, plain-language playbooks that describe how you want issues handled. Its voice agents answer with sub-second latency, handle interruptions gracefully, and can dial out as well as pick up, which makes them feel far closer to a competent human than to a phone tree.
The company's rise has been ridiculous in the best possible way. Founded in 2023 by Jesse Zhang and Ashwin Sreenivas, alumni of Google, Palantir, Citadel, and Scale AI, Decagon went from a standing start to a multi-billion-dollar valuation in roughly two and a half years, with its worth reportedly tripling in a single seven-month stretch as investors piled in. The name itself is a quiet math joke, nodding to the ten-sided polygon.
What keeps the logos coming is deployment quality. Decagon leans into white-glove onboarding, exposes full conversation logs so teams can audit and improve every answer, and routes genuinely hard cases to humans cleanly rather than bluffing. Its customer roster reads like a tour of the modern internet: Notion, Duolingo, Rippling, Eventbrite, Substack, Chime, and Affirm among them, plus larger enterprises adopting its outbound and proactive agents.
Pricing is sales-led and usage-based, offered per conversation or per resolution with volume discounts, so it is squarely an enterprise purchase rather than a quick self-serve signup you try on a whim. For teams that want an AI agent that feels concierge-grade, keeps a persistent memory of each customer, and can be tuned in the plain language a support manager actually speaks day to day, Decagon has become one of the most talked-about names in the category.
Read the full Decagon listing → · See Decagon alternatives →
About Fin by Intercom
Fin is Intercom's AI agent, and it has quietly become the product the whole company rallies around. It runs on the same platform as Intercom's inbox, help center, and messenger, so it already knows your customers before it says a word. Point it at your help articles and past conversations and it starts answering questions instantly across chat, email, SMS, and WhatsApp, taking real actions through your integrations and escalating to a human with full context when a question genuinely needs one.
The thing that made Fin famous is how it is billed. Instead of charging per seat or per conversation, Intercom charges roughly a dollar for every question Fin actually resolves, so you only pay when the robot earns its keep. That pay-for-outcomes model was unusual when Fin launched and has since become the template half the industry copies.
Intercom was founded in 2011 by four friends from Dublin, and it spent a decade building the messaging tools Fin now sits on top of. Fin does not insist you live inside Intercom, either. Its platform version bolts the same agent onto other help desks like Zendesk and Salesforce, so teams can keep their existing ticketing setup and still hand the easy questions to AI. It ships with simulation testing, analytics, and tunable tone controls so you can rehearse answers on historical tickets before flipping the switch on real customers.
For buyers, Fin is the safe, well-documented default: enormous scale, a public per-resolution price you can model on a spreadsheet, and a product that resolves millions of conversations every week for companies of every size. If you want an AI agent that is proven, measurable, quick to pilot, and easy to justify to a finance team that wants a number, Fin is usually the first name on the shortlist and rarely a regrettable one.
Read the full Fin by Intercom listing → · See Fin by Intercom alternatives →
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