Live Chat Software Compared: The Real Split Is How You Are Billed, Not the Feature List

Crisp, LiveChat, Tawk.to and Freshchat all put a chat window on your website. What separates them is the meter: one charges a flat fee per workspace, one charges for every agent seat, one is free and sells add-ons, and one charges per seat plus per AI session. If you are pricing an Intercom alternative, that meter — not the widget — is what your bill will follow.

Last updated: November 2026 · Prices in USD, checked against vendor pricing pages in November 2026 · How we compare: this guide is based on publicly available vendor information, not hands-on testing. We have not run these tools in production, and there are no paid placements.

Affiliate Disclosure: Some links on this page are affiliate links. If you sign up through them, we may earn a commission from the vendor at no extra cost to you. This is how the site is funded. It does not change which products we include or the facts we publish — every price and feature below is taken from the vendors' own public pages.

Quick picks by use case

Best for growing teams on a flat budget

Crisp

$95/mo flat

Essentials workspace, 10 seats included. Mini is $45/mo for 4 seats; Plus is $295/mo for 20.

  • Priced per workspace, not per agent
  • Unlimited human conversations
  • AI agent credits included, then usage-based
Visit Crisp
Best for polished, sales-focused chat

LiveChat

from $49/agent/mo

Team plan, billed annually — the first tier a real team can use. Starter ($19) is limited to one seat.

  • Mature widget, routing and reporting
  • Agent-assist AI included in the seat
  • Autonomous AI is a separate product
Visit LiveChat
Best for zero-budget sites

Tawk.to

$0

Core platform free with unlimited agents and chats. Paid add-ons are billed per website, from $29/mo.

  • No seat limit and no conversation cap
  • Chat history kept indefinitely
  • You pay only for add-ons you switch on
Visit Tawk.to
Best for teams already on Freshworks

Freshchat

from $19/agent/mo

Growth plan, billed annually. Free plan covers up to 10 agents; AI sessions are billed on top.

  • Free tier is unusually wide (10 agents)
  • Freddy AI Agent answers across channels
  • Fits the wider Freshworks suite
Visit Freshchat

Side-by-side comparison

CrispLiveChatTawk.toFreshchat
How you are billedFlat per workspace, seats includedPer agent seatFree core; add-ons per website (property)Per agent seat, plus per AI session
Free optionYes — 2 seats, basic chatNo free plan — 14-day trialYes — the whole core platform, unlimited agentsYes — up to 10 agents, web chat and inbox
Paid plansMini $45/mo (4 seats), Essentials $95/mo (10), Plus $295/mo (20, extra seats $10)Starter $19/agent/mo (1 seat only), Team $49, Business $79 — annual billingNo paid core plan. Add-ons from $29/mo per propertyGrowth $19/agent/mo, Pro $49, Enterprise $79 — annual billing
How AI is chargedHugo AI credits included ($5 / $25 / $75 worth by tier, roughly 90 / 450 / 1,350 conversations), then pay-as-you-go at roughly $0.05–$0.10 per conversationAssist features included in the seat. Autonomous answers need ChatBot by Text: from $19/user/mo with 10 resolutions included, or $79 with 200; extra resolutions $0.99 eachAI Assist add-on from $29/mo per property. A small free allowance (100 message credits), then tiers by message credits — credits are spent per AI-generated message, not per resolved chatFreddy AI Agent: first 500 sessions free once per account, then $49 per 100 sessions ($0.49 per session). A session is one customer's AI conversation within 24 hours, billed whether or not it resolves the question. Copilot assist is a separate $29/agent/mo add-on
Chat historyUnlimited data retention from Mini upwards60 days on Starter; unlimited from Team upwardsKept indefinitely, including on the free platformRetention period is not stated on the public pricing page — confirm before you rely on it
Japanese supportWidget localized in 50+ languages including Japanese, with built-in real-time translation (LiveTranslate)Widget localized in 48 languages including Japanese; message content is not translated in the core product — language-specific agent groups are the intended setupWidget can be localized for Japanese visitors; the depth of Japanese AI answering depends on the knowledge base you buildAgent interface, visitor messenger and bot flows all offer a Japanese locale; Freddy AI publishes support for 60+ languages
Trade-off to knowStep pricing: the 5th seat pushes you from $45 to $95, the 11th from $95 to $295The advertised $19 tier fits exactly one person; every real team starts at $49 per agent, and autonomous AI is a second subscription"Free" carries Tawk.to branding until you pay $29/mo per site to remove it, and costs scale with the number of sites, not peopleTwo meters run at once — seats and AI sessions — and the 500 free sessions do not renew monthly

Prices are USD, before tax, as published by the vendors in November 2026. LiveChat and Freshchat headline prices assume annual billing; monthly billing is higher. Intercom, the reference point many readers are leaving, charges per seat plus $0.99 per Fin AI resolution — the four tools above each avoid at least one half of that stack. Plans change — always confirm the current price and what is included on the vendor's site before you buy.

What the bill actually looks like: one worked example

Pricing pages show unit prices. Bills show totals. Here is the same small site priced four ways, using only the published prices above: 5 agents, 1,000 chats a month, 500 of them handed to AI, annual billing.

SetupThe mathsPer monthPer year
Crisp Essentials$95 workspace (10 seats included) + about $3 of AI usage beyond the included credits≈ $98≈ $1,176
LiveChat Team + ChatBot5 × $49 seats = $245, plus ChatBot Growth $79 (minimum one user, 200 resolutions included), plus 300 extra resolutions × $0.99 = $297$621$7,452
Tawk.to$0 core + AI Assist $29 + branding removal $29, both per property — if your AI volume fits the included message credits$0–$58$0–$696
Freshchat Growth5 × $19 seats = $95, plus 500 Freddy sessions × $0.49 = $245 in a steady-state month (the one-time 500 free sessions are already used)$340$4,080
For reference: Intercom5 × $85 Advanced seats = $425, plus 500 Fin resolutions × $0.99 = $495$920$11,040

Three things this example makes visible. First, the gap — roughly $1,200 to $7,500 a year for the same workload — comes from structure, not discounts: whether AI sits inside the seat price, inside a workspace allowance, or on its own meter. Second, Freshchat's $0.49 is charged per session, not per solved problem, so your cost per resolved conversation depends on how many sessions actually resolve. Third, Tawk.to is the mirror image of the others: its costs grow with the number of websites you run, not the number of people or chats. A two-person, one-site shop and a twelve-person, one-site shop pay Tawk.to the same.

At the small end the steps matter just as much. With 2 agents and no AI, LiveChat cannot use its $19 Starter tier at all — it is capped at one seat — so a pair starts at 2 × $49 = $98/mo, while Crisp and Freshchat both have free tiers that fit two agents, and Tawk.to is $0.

The four tools in detail

Crisp — the flat-rate workspace

Crisp sells one workspace, not a stack of seats. Free ($0) covers 2 seats and basic website chat. Mini ($45/mo) covers 4 seats with a shared email inbox and unlimited data retention. Essentials ($95/mo) covers 10 seats and is where the product becomes complete: omnichannel inbox (chat, email, WhatsApp, Messenger and more), workflow automation, a knowledge base and the Hugo AI agent. Plus ($295/mo) covers 20 seats, with extra seats at $10 each. Human conversations are unlimited on every tier; the AI agent works from included credits ($25 worth on Essentials, roughly 450 conversations) and then bills by usage at a few cents per conversation. The widget speaks 50+ languages including Japanese, and LiveTranslate translates messages in real time, which suits a small team answering Japanese visitors in another language.

STRENGTHS (per published specs)

  • Adding agents inside your tier costs nothing — the bill does not grow with headcount
  • AI cost per conversation is the lowest published meter of the four
  • Chat, email and messaging channels share one inbox from Essentials up

TRADE-OFFS

  • Staircase pricing: seat number 5 doubles the bill ($45 → $95) and seat 11 triples it ($95 → $295)
  • AI stops being "included" once credits run out mid-month — busy sites need to watch the meter
  • The knowledge base and automation only start at Essentials, so the $45 tier is messaging-only in practice
See Crisp plans

LiveChat — the polished per-seat specialist

LiveChat is the longest-running dedicated chat product here, and it prices like a specialist: strictly per agent. Starter ($19/agent/mo billed annually, $25 monthly) is limited to a single seat, tracks 100 visitors and keeps chat history for 60 days. Team ($49/agent/mo annual, $59 monthly) is the realistic starting point for any team, with unlimited history and 400 tracked visitors. Business ($79/agent/mo annual) adds advanced reporting and staffing tools. There is no permanent free plan, only a 14-day trial. One distinction matters more than any feature: the AI inside the seat price assists your agents (reply suggestions, summaries). An AI that answers customers on its own is a separate product, ChatBot by Text, with its own per-user price and a $0.99 charge per resolution beyond a small included allowance. The widget localizes into 48 languages including Japanese, but plan for native-speaking agent groups rather than built-in translation of message content.

STRENGTHS (per published specs)

  • Deep widget customization, routing and reporting aimed squarely at chat as a sales and support channel
  • Agent-assist AI is bundled into every seat rather than sold as an add-on
  • Large integration catalogue built over two decades as a chat-first product

TRADE-OFFS

  • The $19 headline applies to exactly one person; a 5-agent Team setup is $245/mo before any autonomous AI
  • Autonomous AI means a second subscription with a per-resolution meter on top of the seat bill
  • Starter's 60-day history is short for any site that revisits past conversations
See LiveChat plans

Tawk.to — the genuinely free core, paid at the edges

Tawk.to inverts the usual model: live chat, a shared inbox, ticketing, a knowledge base and a contact pipeline are free, with no limit on agents, chats or websites, and chat history is kept indefinitely. The vendor's own add-ons page puts the model plainly — most businesses use it entirely for free, and revenue comes from the minority who buy add-ons. Those add-ons are billed per property (per website), not per person: removing the "Powered by tawk.to" branding is $29/mo, and AI Assist starts at $29/mo, with a small free allowance of 100 message credits. Note how the AI meter works: credits are spent per AI-generated message, so a long back-and-forth conversation costs more than a short one — it is not priced per resolved chat. Optional extras such as voice agents and data enrichment sit on top for sites that want them.

STRENGTHS (per published specs)

  • $0 is a real operating state, not a trial: unlimited agents, chats and history
  • Costs scale with websites, so a large team on one site pays the same as a solo owner
  • No migration cliff — you can start free and add paid pieces one at a time

TRADE-OFFS

  • The free widget carries Tawk.to branding; removing it is $29/mo for every site you run
  • AI Assist reporting is thin — usage is visible, answer-quality and resolution reporting is limited compared with per-resolution tools
  • Agencies running many client sites pay the add-on fees many times over, which reverses the usual saving
See Tawk.to

Freshchat — per-seat chat with a session meter for AI

Freshchat is Freshworks' messaging product, and its free plan is the widest seat offer here: Free ($0) covers up to 10 agents with a web and mobile widget, a shared inbox and email. Paid tiers are per agent: Growth ($19/agent/mo billed annually, $23 monthly), Pro ($49, $59 monthly) and Enterprise ($79, $95 monthly), adding social channels, routing and reporting as you climb. The AI layer, Freddy AI Agent, is where careful reading pays. Paid plans include 500 sessions once per account — not every month — and after that you buy sessions at $49 per 100. A session means all of one customer's AI interaction within 24 hours, and it is charged whether the AI solved the problem or handed it to a human. Agent-side help (Freddy AI Copilot) is a further add-on at $29/agent/mo on Pro and Enterprise. For Japanese sites, Freshchat is the most completely localized of the four on paper: agent interface, visitor messenger and bot flows all include Japanese, and Freddy publishes 60+ language support.

STRENGTHS (per published specs)

  • Free plan fits a real small team (10 agents) instead of a single user
  • Japanese localization covers the agent side as well as the visitor widget
  • Natural fit if you already run Freshdesk or other Freshworks products

TRADE-OFFS

  • Two bills grow at once — seats and AI sessions — so busy months cost more on both meters
  • Sessions are billed even when the AI does not resolve the question; effective cost per resolution is higher than $0.49
  • The public pricing page does not state how long chat history is retained, which you should pin down before adopting it as your archive
See Freshchat plans

How to choose in four steps

STEP 1

Count seats and chats separately

Write down two numbers: how many people will answer chat, and how many chats you get a month. Per-seat tools bill the first number, AI meters bill the second, flat tools bill neither until you cross a tier. Most bad purchases come from estimating only one of the two.

STEP 2

Decide what "AI included" must mean

Help drafting replies is included almost everywhere. An agent that answers alone at 2 a.m. is a different purchase: included credits on Crisp, a second product on LiveChat, an add-on on Tawk.to, a session meter on Freshchat. Price that specific job, not the word "AI" on the pricing page.

STEP 3

Check the quiet limits: history and steps

How long are chats kept — 60 days, indefinitely, or unstated? And what does the next seat cost: nothing inside a Crisp tier, a full extra seat on LiveChat and Freshchat, or a whole tier jump at Crisp's boundaries? These two lines decide year-two costs more than the entry price does.

STEP 4

Start on the free tier that matches your shape

Tawk.to, Crisp and Freshchat all let you run real chats for $0; LiveChat offers a 14-day trial. Put the widget on one real page, handle a week of genuine conversations, and watch which meter — seats, sessions, credits or properties — your own traffic actually touches.

FAQ

What is the difference between per-seat and per-conversation pricing?

Per-seat pricing charges for each agent who can log in, whether they handle ten chats or a thousand — LiveChat and Freshchat work this way. Per-conversation (or per-session / per-resolution) pricing charges for usage: Freshchat bills per AI session, and Intercom's Fin bills per resolution. Crisp mostly avoids both meters for human chat by charging a flat fee per workspace, and Tawk.to charges neither for its core, billing add-ons per website instead.

Is Tawk.to really free, and how does it make money?

On its published terms, yes: the core platform is free with unlimited agents and chats, and history is kept indefinitely. The business model, stated on its own add-ons page, is that most users never pay and a minority buy add-ons — branding removal, AI Assist, voice agents and data enrichment, each billed per website. So "free" is the product, and the add-ons are the shop attached to it.

Why do people look for an Intercom alternative for chat?

Usually the bill structure. Intercom charges per seat ($29–$132 per seat per month on annual billing) and then adds $0.99 for every conversation its Fin AI resolves. A team that grows on both axes — more agents and more AI answers — pays both meters at once. Each tool here removes at least one: Crisp flattens the seat side, Tawk.to removes both for human chat, and LiveChat and Freshchat keep seats but price the overall package lower for many team sizes.

Which of these works best for a Japanese-language site?

All four can show a Japanese widget. The differences are behind it: Freshchat localizes the agent interface and bot flows into Japanese as well, Crisp adds real-time translation so agents can answer in another language, LiveChat expects you to route Japanese chats to Japanese-speaking agent groups, and with Tawk.to the quality of Japanese AI answers depends on the knowledge base content you provide. If your team answers in Japanese natively, widget localization may be all you need; if it doesn't, Crisp's translation or Freshchat's localized agent side matter more.

Do these tools guarantee more sales or faster support?

No tool on this page promises that, and neither do we. Live chat gives visitors a way to ask before they leave; whether that turns into sales or resolved questions depends on your staffing, your answers and your site. What you can verify before paying is the cost structure — seats, sessions, history and AI meters — which is what this guide compares.

Why are there no hands-on scores or star ratings here?

Because this guide is compiled from the vendors' published specifications and pricing — based on publicly available vendor information, not hands-on testing. Where a judgment appears (for example, that a one-seat "starter" tier is not a team plan), it follows directly from the published limits shown next to it, so you can check the reasoning yourself.