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Technology · head to head

Finxact vs Heap

Finxact logo

Finxact

Technology

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

From
On request
Rated
-
Full reviewWebsite
Heap logo

Heap

Technology

Product analytics for the modern product team

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Heap has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Heap no built-in A/B testing or feature flags; requires integration with separate tools for experimentation
  • They diverge on capability: Finxact covers Cloud native core, Heap covers Autocapture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Finxact and Heap actually diverge.

Attributes where Finxact and Heap differ
AttributeFinxactHeap
Starting priceOn requestFree
Pricing modelquoteUnknown
Free tierNoYes
PlatformsWeb, API, CloudWeb, iOS, Android
FoundedUnknown2013

Identical on both: 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 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

Only in Heap

  • Autocapture
  • Retroactive analytics
  • Session replay
  • Funnel analysis
  • User segmentation
  • Path analysis
  • Data science
  • Virtual events

What people use each for

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

Finxact

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

Heap

  • User behavior analysisnot Finxact
  • Conversion optimizationnot Finxact
  • Product adoptionnot Finxact
  • Customer journey mappingnot Finxact
  • A/B testing analysisnot Finxact

Where each one falls short

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

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.

Heap

  • No built-in A/B testing or feature flags; requires integration with separate tools for experimentation
  • Group analytics and advanced features require a sales conversation, not self-serve
  • Cloud-only deployment; no self-hosted option for data security or compliance requirements
  • Session replay lacks developer debugging tools compared to PostHog
  • Pricing for Growth and Pro plans requires direct sales contact; no transparency on how pricing scales

Pricing, plan by plan

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

Heap

Free
  • FreeFree
    • Up to 10,000 monthly sessions
    • Basic charts
    • 6 months data history
  • Growth$undefined/custom
    • Custom session pricing
    • Sense AI assistant
    • 12 months data history
  • Pro$undefined/custom
    • Custom session pricing
    • Account analytics
    • Engagement matrix
  • Premier$undefined/custom
    • Custom session pricing
    • Data warehouse integration
    • Unlimited projects

Which should you pick?

Choose Finxact if

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

Choose Heap if

  • You need autocapture.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want retroactive analytics.
Heap review

Questions people ask

Is Finxact or Heap better?
Neither clearly leads. Finxact starts at On request and Heap at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Finxact or Heap?
Heap has a free tier; the other does not. Paid plans start at On request for Finxact and Free for Heap.
Does Finxact or Heap run on more platforms?
Finxact runs on Web, API, Cloud. Heap runs on Web, iOS, Android.
Can I use Heap for free?
Yes. Heap has a free tier, so you can try it without paying. Finxact starts at On request.
What is Finxact best used for?
Finxact is most often used for a united states regional bank replacing a legacy core but unwilling to take supplier viability risk on an independent challenger, a community bank launching an embedded banking or sponsor bank programme on modern rails, an institution already running fiserv card and payment services that wants the core on the same vendor relationship, a bank standing up a new digital brand on a clean core while leaving the existing back book in place. Of those, a united states regional bank replacing a legacy core but unwilling to take supplier viability risk on an independent challenger and a community bank launching an embedded banking or sponsor bank programme on modern rails are not what Heap is typically brought in for.
What can Finxact do that Heap cannot?
Finxact covers Cloud native core, Real time posting, Configurable product definitions, Fiserv ecosystem access. Heap covers Autocapture, Retroactive analytics, Session replay, Funnel analysis.

Answered from the vendors’ own pages

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.

Heap: What does Heap's autocapture feature do?

Heap's autocapture is a single code snippet that automatically captures every click, swipe, tap, pageview, and form fill on your website and apps without requiring manual event setup. Once installed, Heap captures the entire digital experience of every user on every platform with no ongoing engineering maintenance needed.

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.

Heap: What are Heap's pricing plans and how much do they cost?

Heap offers a Free plan for up to 10,000 monthly sessions. Growth, Pro, and Premier plans use custom session-based pricing that requires contacting sales for a quote. Free includes basic charts and 6 months data history. Growth adds the Sense AI assistant. Pro adds account analytics. Premier adds data warehouse integration and dedicated customer success management.

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.

Heap: Does Heap include session replay and A/B testing?

Heap includes integrated session replay showing exactly what users did on your site. However, Heap does not include built-in A/B testing or feature flags. Teams requiring these capabilities must use separate tools or integrate with third-party platforms.

Source
Heap: What integrations does Heap support?

Heap supports over 100 integrations connecting to business tools including marketing platforms, CRMs, and data warehouses. This allows insights to reach relevant teams and ensures data flows to other business systems automatically.

Source
Heap: Does Heap offer self-hosting or is it cloud-only?

Heap is cloud-only and does not offer self-hosted options. Organizations requiring on-premises deployment should consider alternatives like PostHog which supports self-hosting alongside its cloud product.

Source
Heap: What is Sense and how does it help with analytics?

Sense Chat is Heap's AI assistant that enables users to access analytics without extensive technical knowledge. It allows teams to ask questions about user behavior and get answers directly without lengthy onboarding or technical expertise, making insights more accessible to non-technical stakeholders.

Source
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