Fini ships a finished fintech and healthcare agent. Certainly ships an ecommerce conversational bot.
Certainly and Fini both turn up in searches for AI customer support agents, but they are built for different buyers. Fini is a finished, per-resolution AI agent purpose-built for fintech and healthcare support, live in 30 days with native integrations into claims, billing, and EHR systems. Certainly is a Copenhagen-based conversational AI platform built primarily for ecommerce and D2C brands running on Shopify, Magento, and similar storefronts, with tiered per-conversation pricing.
This comparison is honest about where the two products actually overlap, which is not much. Certainly is a capable platform for online retailers who want order lookups, returns handling, and cart-recovery conversations across web, social, and SMS. Fini is built for regulated fintech and healthcare teams who need a working agent, backed by native connections into core systems, from day one.
In this comparison: What each is · Certainly pricing · How they differ · Capabilities · Feature by feature · Ease of use · Certainly's strengths · What customers say · The full side-by-side · Which to choose · Compliance · FAQ
What is Fini?
Fini is an AI customer-support agent priced per resolution, backed by Y Combinator and Matrix Partners. It connects natively to helpdesk, knowledge base, CRM, billing, claims, and EHR systems, so it can take real action on tickets rather than just answering questions from a script.
Fini resolves 90% of support volume at 99% accuracy, goes live within 30 days, and already handles more than 3 million monthly resolutions for fintech and healthcare companies. It works across voice, chat, and email, supports 130+ languages, and responds to a new conversation in about 5 seconds.
Fini charges a starting rate of $0.49 per resolution, with no per-seat fees, so cost scales with outcomes rather than headcount or conversation volume. Its pricing also includes the 90-Day Money-Back Guarantee: if Fini does not reach a 90% resolution rate within 90 days of going live, you are not charged for the shortfall.
What is Certainly?
Certainly is a Copenhagen, Denmark conversational AI platform founded in 2017, built around what it calls the "Certainly Platform," autonomous agents deployed across web, Meta, SMS, email, and voice. Its positioning leans on fast implementation, a claimed rollout (live in 14 days and fully autonomous in 30 days), and a model-agnostic architecture that says it can run on Claude, Gemini, GPT, and 200 or more other models.
The named customers and integration list on certainly.io point overwhelmingly at ecommerce and D2C: Shopify, Shopify Plus, Magento, WooCommerce, BigCommerce, and PrestaShop connectors, plus brands like Feastables, Quad Lock, Rat and Boa, and Sostrene Grene. "Financial Services" appears as a listed target industry, but the build-out behind it is thin, one fintech case study and no healthcare customer at all.
Certainly's site states it was acquired by a private equity firm in 2023, though no acquirer is named and this claim could not be independently confirmed. Treat it as reported, not verified.
Certainly pricing in 2026
Certainly publishes tiered, per-conversation pricing, which is unusual in this category since most vendors quote custom only. Starter runs 500 euros a month for 2,000 conversations and 1 AI agent on the web widget channel. Pro runs 1,250 euros a month for 10,000 conversations, 3 AI agents, and 2 additional channels. Enterprise starts from 2,500 euros a month for 40,000 or more conversations, unlimited agents, and all channels.
Billing is annual and prices are ex-VAT. A 3-month pilot is available with 7-day cancellation notice, and Certainly markets this structure as more predictable than per-resolution or per-token pricing, an implicit jab at models like Fini's $0.49-per-resolution rate. The comparison is arguable rather than settled, since a conversation can run many turns without ever resolving the customer's issue, so paying per conversation is not the same as paying for an outcome.
How Fini and Certainly differ
The core difference is category, not just company size. Fini is purpose-built for fintech and healthcare support, with resolution logic and integrations already built for those regulated workflows. Certainly is an ecommerce and D2C conversational commerce vendor whose "Financial Services" label rests on a single, lighter-weight case study.
That case study is Fintiba, described by Certainly as a regulated fintech serving international students with blocked-account and financial services, not a bank or lender handling core banking or lending systems. No healthcare customer or case study appears anywhere on Certainly's customers, homepage, or trust pages. Certainly's own integrations list has no core banking, claims-processing, or EHR connectors, only a generic offer to speak to "anything with an API, webhook, or MCP server" through custom, bespoke work, a different proposition from the native agentic AI integration depth Fini builds in for regulated industries from day one.
Capabilities side by side
At a functional level, the two products are built for different buyers. The table below lines up the core capabilities most teams evaluate first.
Capability | Fini | Certainly |
|---|---|---|
Primary focus | Finished AI agent for fintech and healthcare support | Ecommerce and D2C conversational commerce platform |
Time to go live | 30 days | Claimed 14 days for standard ecommerce deployments |
Pricing model | $0.49 per resolution, no per-seat fees | Tiered per-conversation subscription, 500 to 2,500 euros or more a month |
Vertical integrations | Native to claims, billing, CRM, EHR, helpdesk, knowledge base | Shopify, Magento, WooCommerce, BigCommerce, and helpdesk/martech tools |
Resolution guarantee | 90-Day Money-Back Guarantee: 90% in 90 days or no charge for the shortfall | No public resolution-rate guarantee found |
Feature by feature
Zooming into individual features shows the same pattern: Fini ships regulated-industry depth, Certainly ships breadth across ecommerce channels.
Feature | Fini | Certainly |
|---|---|---|
Channels | Voice, chat, email | Web, Meta, SMS, email, voice |
Languages | 130+ | Not specified in public product pages |
Model architecture | Purpose-built agent tuned for regulated support content | Model-agnostic, claims support for Claude, Gemini, GPT, and 200+ other models |
Fintech depth | Native core-system integrations for banking and lending workflows | One fintech case study, Fintiba, a blocked-account service for international students |
Healthcare presence | 3M+ monthly resolutions across fintech and healthcare | No healthcare customer or case study found on public site |
Vertical connectors (claims, EHR, core banking) | Native | Not evidenced; generic API, webhook, or MCP fallback for custom systems |
Ease of use and admin experience
Fini's onboarding is closer to an implementation project than a build project: connect your existing systems, and Fini goes live in 30 days on top of your own data. There is no bot canvas to design because the agent, its integrations, and its escalation logic are already built for fintech and healthcare support.
Certainly's admin experience is aimed at marketing and CX teams running ecommerce storefronts, pairing the platform with "playbooks" and implementation services through its CX Academy to get a bot live quickly. That workflow is well suited to order status, returns, and product-recommendation conversations. It is not built around configuring compliance-aware escalation into claims, billing, or EHR systems, since those connectors are not part of Certainly's off-the-shelf integration list.
Fini's differentiators
Built for regulated industries, not adapted to them
Fini's integrations into claims, billing, CRM, and EHR systems are native, not bespoke work quoted after purchase. Certainly's own site offers a generic API and webhook fallback for "legacy or niche systems," which is a different proposition from an off-the-shelf connector built for regulated data.
Resolution-based pricing, not conversation-based
At $0.49 per resolution with no per-seat fees, Fini's cost tracks outcomes. Certainly bills by conversation, from 500 to 2,500 euros or more a month, so the bill grows with engagement volume whether or not a given conversation actually resolved anything.
A guarantee, not just a pricing pitch
Fini's 90-Day Money-Back Guarantee means that if it does not hit 90% resolution within 90 days of going live, you do not pay for the shortfall. Nothing comparable is publicly documented in Certainly's three pricing tiers.
Real fintech and healthcare volume, not one case study
Fini already handles more than 3 million monthly resolutions across fintech and healthcare customers. Certainly's entire public fintech evidence is a single case study, Fintiba, and its published customer and trust pages show no healthcare account at all.
Certainly's recognized strengths
None of this makes Certainly a weak product, it makes it a different one, aimed at a different buyer. Certainly has real depth in ecommerce conversational commerce, order lookups, returns, cart recovery, and product recommendations, built on named integrations with Shopify, Shopify Plus, Magento, WooCommerce, BigCommerce, and PrestaShop that most fintech and healthcare vendors do not bother building.
It also has a genuine European market presence, headquartered in Copenhagen since 2017 with named brands like Feastables, Quad Lock, Rat and Boa, and Sostrene Grene, and it is one of the few vendors in this category to publish its pricing outright rather than gating everything behind a custom quote. For a D2C or retail brand that wants ecommerce-specific conversational AI with transparent, predictable monthly costs, Certainly is a reasonable, well-scoped platform to evaluate.
What customers say
Fini customers describe measurable resolution outcomes on live support volume in regulated industries, not just a smoother bot-building experience.
Certainly's own site cites case-study figures like a 97% chat containment rate for Fintiba and self-reported totals of tens of millions of customer conversations handled across its customer base. Its homepage also displays a 4.8 out of 5 "G2 rating" badge, but this is a vendor-reported number from Certainly's own site. Independent G2 and Capterra listings for Certainly could not be verified this session, so treat any review count or star rating as unconfirmed until checked directly against G2 or Capterra.
The full side-by-side
Pulling every verified data point together for a single reference view.
Category | Fini | Certainly |
|---|---|---|
Product type | Finished per-resolution AI agent | Ecommerce and D2C conversational AI platform |
Pricing | $0.49 per resolution, no per-seat fees | 500 to 2,500+ euros a month by conversation tier, billed annually |
Time to go live | 30 days | Claimed 14 days for standard ecommerce deployments |
Founded / HQ | Backed by Y Combinator and Matrix Partners | Founded 2017, Copenhagen, Denmark, reportedly PE-owned since 2023, acquirer unconfirmed |
Vertical integrations | Native: claims, billing, CRM, EHR, helpdesk, knowledge base | Ecommerce and helpdesk/martech tools; no core banking or EHR connectors |
Fintech case studies | 3M+ monthly resolutions across fintech and healthcare | One: Fintiba, a blocked-account service for international students |
Healthcare case studies | Yes, part of core resolution volume | None found on public site |
Compliance certifications | Confirm directly with Fini for your workload | Says "aligned to" SOC 2 Type II and ISO 27001, not stated as certified; no HIPAA, no PCI DSS found |
Public reviews | Customer testimonials on usefini.com | Self-reported 4.8/5 G2 badge on its own site; not independently verified this session |
Guarantee | 90-Day Money-Back Guarantee, 90% in 90 days | No public resolution-rate guarantee found |
Which should you choose?
Choose Certainly if you run an ecommerce or D2C brand on Shopify, Magento, or a similar storefront, want conversational commerce across web, social, and SMS, and prefer transparent, published per-conversation pricing over a custom quote.
Choose Fini if you are a fintech or healthcare company that needs an agent live in 30 days, resolving real tickets against your claims, billing, EHR, or core systems, backed by a resolution guarantee rather than a conversation quota. If you are evaluating other platforms too, see how Fini compares to Gorgias and Tidio.
Compliance
Certainly's trust and security pages exist and describe real practices, but the language is softer than a completed audit: security is described as "aligned to" SOC 2 Type II and ISO 27001, with control mappings and attestation status gated behind an NDA on request, not published as an issued certificate. GDPR compliance is claimed with a DPA available, and the site says EU AI Act mapping is in progress. No HIPAA claim and no PCI DSS claim appear anywhere on Certainly's security, trust, or homepage content, consistent with having no visible healthcare customer base.
Fini serves fintech and healthcare customers handling regulated data through native integrations into claims, billing, and EHR systems, and publishes its own security practices. If compliance certifications are a hard requirement for your deployment, confirm current status directly with each vendor rather than assuming parity between "aligned to" language and an actual issued certification.
Ready to compare on your own data?
The fastest way to know which is the right fit is to test against your own tickets and your own systems, not a slide deck. Talk to Fini about a live pilot on your own data.
Is Certainly a good fit for fintech or healthcare support?
Certainly is primarily an ecommerce and D2C conversational AI platform. Its only public fintech case study is Fintiba, a blocked-account service for international students, and no healthcare customer or case study appears anywhere on its site. It has no evidenced native integrations into core banking, claims, or EHR systems, the kind of integration depth Fini builds in for regulated support out of the box.
What does Certainly cost in 2026?
Certainly publishes tiered, per-conversation pricing. Starter is 500 euros a month for 2,000 conversations and 1 AI agent. Pro is 1,250 euros a month for 10,000 conversations and 3 AI agents. Enterprise starts from 2,500 euros a month for 40,000 or more conversations and unlimited agents. Billing is annual and prices are ex-VAT.
How is Fini's pricing different from Certainly's?
Fini charges a starting rate of $0.49 per resolution with no per-seat fees, so cost scales with outcomes. Certainly charges per conversation on fixed monthly tiers, so the bill reflects engagement volume rather than whether a conversation actually resolved the customer's issue.
Is Certainly a finished agent or a platform you configure?
Certainly is a conversational AI platform paired with implementation services and playbooks through its CX Academy, aimed mainly at ecommerce use cases like order status, returns, and cart recovery. It is not a purpose-built fintech or healthcare agent with native regulated-system connectors the way Fini is.
Is Certainly SOC 2 or HIPAA compliant?
Certainly's security pages describe practices as "aligned to" SOC 2 Type II and ISO 27001, with attestation details available only under NDA, which is weaker language than a completed, issued certification. No HIPAA claim and no PCI DSS claim appear anywhere on Certainly's public site.
How fast can I go live with Fini versus Certainly?
Fini goes live in 30 days on your own data, with claims, billing, CRM, and EHR integrations already built in. Certainly claims a rollout (live in 14 days and fully autonomous in 30 days) for its ecommerce-oriented deployments, though that speed is aimed at storefront and helpdesk connections rather than regulated core-system integration.
