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Technology · head to head

Close vs Finxact

Close logo

Close

Technology

The inside sales CRM of choice for startups & SMBs

From
$9/month
Rated
-
Full reviewWebsite
Finxact logo

Finxact

Technology

Cloud native core banking, sold as Finxact from Fiserv since the 2022 acquisition

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Close hidden costs beyond subscription: calling charges (~$0.02/minute), SMS usage fees, phone numbers ($1-5/month), AI call assistant ($50/month + $0.02/min transcription); Finxact fiserv sells several core platforms, so a buyer should demand written investment and support commitments for Finxact specifically rather than trusting that the surviving brand implies a protected roadmap.
  • They diverge on capability: Close covers Built-in calling, Finxact covers Cloud native core.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Close and Finxact actually diverge.

Attributes where Close and Finxact differ
AttributeCloseFinxact
Starting price$9/monthOn request
Pricing modelUnknownquote
PlatformsWeb, iOS, AndroidWeb, API, Cloud
Founded2013Unknown

Identical on both: free tier (No), user rating (Not yet rated), category (Technology).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Close

  • Built-in calling
  • Email automation
  • SMS messaging
  • Pipeline management
  • Lead management
  • Activity tracking
  • Reporting
  • Mobile app

Only in Finxact

  • Cloud native core
  • Real time posting
  • Configurable product definitions
  • Fiserv ecosystem access
  • Embedded banking support
  • Open API model
  • Multi tenant deployment
  • Regulatory reporting hooks

What people use each for

The jobs each tool is most often brought in to do.

Close

  • Inside salesnot Finxact
  • Outbound salesnot Finxact
  • Lead managementnot Finxact
  • Sales engagementnot Finxact
  • Pipeline trackingnot Finxact

Finxact

  • A United States regional bank replacing a legacy core but unwilling to take supplier viability risk on an independent challengernot Close
  • A community bank launching an embedded banking or sponsor bank programme on modern railsnot Close
  • An institution already running Fiserv card and payment services that wants the core on the same vendor relationshipnot Close
  • A bank standing up a new digital brand on a clean core while leaving the existing back book in placenot Close

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Close

  • Hidden costs beyond subscription: calling charges (~$0.02/minute), SMS usage fees, phone numbers ($1-5/month), AI call assistant ($50/month + $0.02/min transcription)
  • No built-in lead lists, company intelligence, or contact enrichment; must source leads separately
  • Limited marketing automation compared to competitors like HubSpot; lacks lead scoring and nurturing campaigns
  • Calling cost at scale can double effective monthly cost for high-volume SDR teams making 50+ calls per day
  • Limited customization of data model compared to Salesforce; cannot create fully custom objects or complex relationships

Finxact

  • Fiserv sells several core platforms, so a buyer should demand written investment and support commitments for Finxact specifically rather than trusting that the surviving brand implies a protected roadmap.
  • Core migration is a multi year programme where the licence is a small share of total cost against integration, data migration and parallel running.
  • Buying the core from Fiserv strengthens a relationship that already covers cards and payments, which weakens your negotiating position across the whole estate at renewal.
  • It is a United States product with United States regulatory and product assumptions, so international banks get little from it.
  • Being part of a very large vendor changes the service experience: the responsiveness that made Finxact attractive as a startup is not guaranteed inside a company of Fiserv's scale.

Pricing, plan by plan

Close

$9/month
  • Solo$9/month (annual)
    • 1 user only
    • 10,000 leads max
    • Calling, email, SMS
  • Essentials$35/month (annual)
    • Unlimited contacts
    • Team collaboration
    • 1,000 AI credits/month
  • Growth$99/month (annual)
    • Automation workflows
    • Power dialer
    • Bulk email
  • Scale$139/month (annual)
    • Role-based permissions
    • Predictive dialer
    • Unlimited recording

Finxact

On request
  • Finxact from Fiserv$undefined/year
    • Quoted per institution, commonly on accounts or asset size
    • Implementation and integration costs typically exceed the licence fee
    • Bundled commercially with other Fiserv services in many deals

Which should you pick?

Choose Close if

  • You need built-in calling.
  • You work on Web, iOS, Android.
  • You also want email automation.
Close review

Choose Finxact if

  • You need cloud native core.
  • You work on Web, API, Cloud.
  • You also want real time posting.
Finxact review

Questions people ask

Is Close or Finxact better?
Neither clearly leads. Close starts at $9/month and Finxact at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Close or Finxact?
Close starts at $9/month and Finxact at On request.
Does Close or Finxact run on more platforms?
Close runs on Web, iOS, Android. Finxact runs on Web, API, Cloud.
What is Close best used for?
Close is most often used for inside sales, outbound sales, lead management, sales engagement. Of those, inside sales and outbound sales are not what Finxact is typically brought in for.
What can Close do that Finxact cannot?
Close covers Built-in calling, Email automation, SMS messaging, Pipeline management. Finxact covers Cloud native core, Real time posting, Configurable product definitions, Fiserv ecosystem access.

Answered from the vendors’ own pages

Close: What are Close's pricing plans and what do they include?

Close offers four plans: Solo ($9-19/user/month), Essentials ($35-49), Growth ($99-109), and Scale ($139-149). All include calling, email, SMS, and Chloe AI agent access. Essentials adds unlimited contacts and team collaboration. Growth adds automation, power dialer, and custom activities. Scale adds role-based permissions and unlimited recording. Annual billing saves up to 50%.

Source
Finxact: Is Finxact still sold under its own name?

Yes. Fiserv acquired it in 2022 and continues to market it as Finxact from Fiserv, winning named core deals with it.

Close: What are the hidden costs in Close's pricing beyond the subscription?

Close charges usage-based fees for calling (~$0.02 per minute), SMS charges per message, and phone number rentals ($1-5/month). The AI Call Assistant add-on costs $50/month plus $0.02 per minute for transcription. Heavy outbound calling teams can see their total costs increase 30-50% beyond the base seat price.

Source
Finxact: Is it genuinely cloud native?

Yes, API first with real time posting on public cloud, rather than a hosted version of a legacy core.

Close: What is Chloe, Close's AI sales agent, and what can it do?

Chloe is an AI sales agent built into Close that automatically calls leads, qualifies prospects through real conversations, and can book meetings while updating the CRM automatically. Chloe features AI-generated call summaries, transcripts, and action items automatically logged to contacts.

Source
Finxact: How long is a migration?

Plan in years. Even a focused deployment is a multi year programme once integration and data migration are counted.

Close: Does Close include lead lists, data enrichment, or contact information?

No. Close does not provide built-in lead lists, company intelligence, or contact enrichment features. Organizations must source leads separately or use third-party data providers. This differs from platforms like HubSpot which include integrated lead databases.

Source
Close: What communication features does Close include?

Close includes built-in calling with automatic call logging, email templates and bulk email capabilities, SMS messaging with tracking and automation, email syncing with Gmail, and automated follow-up workflows. All communication happens within the CRM platform.

Source
Close: Does Close have marketing automation capabilities?

Close's marketing automation features are limited compared to HubSpot. It includes basic email sequences, task reminders, and workflow automation, but lacks advanced lead scoring, nurturing campaigns, and detailed marketing analytics. Organizations requiring extensive marketing automation need separate tools.

Source
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