# Lumtry vs Fini for refund automation

> Compare Lumtry and Fini on refund decisions, approvals and audit, with every Fini claim sourced from its own public pages.

- Canonical URL: https://lumtry.com/compare/fini
- Last updated: 2026-09-24

## Lumtry vs Fini

An AI support agent that answers tickets and takes actions such as refunds across chat, email and voice.

A side-by-side look, based on each product’s public information.

| Capability | Lumtry | Fini |
| --- | --- | --- |
| Store platforms | Yes: Shopify, WooCommerce, BigCommerce, Amazon and eBay. | Partly: Shopify and Stripe among its integrations; WooCommerce, BigCommerce, Amazon and eBay not published. |
| Public pricing | Yes: Public prices on our pricing page, from the live catalog. | Yes: Public: $0.89 to $0.49 per resolved ticket by plan, with no seat fees. |
| Rule-based approvals | Yes: Deterministic, versioned rules approve, deny or escalate. | Partly: A real-time safety check enforces company rules, such as refund policies. |
| Human approval step | Yes: Dashboard and Slack approvals with single-use action links. | Partly: Low-confidence tickets escalate to your team with full context; a per-refund approval step is not published. |
| Exchanges and store credit | Yes: Variant exchanges and store credit as refund outcomes. | Partly: The agent can check the return policy, then issue a label, refund or exchange; store credit not published. |
| Abuse and fraud checks | Yes: Abuse risk signals feed your policy rules. | Not published: Not published. |
| Chargeback handling | Yes: Dispute evidence assembled from the case record. | Not published: Not published as a feature. |
| Decision audit trail | Yes: Append-only audit trail with a correlation ID on every decision. | Yes: Audit trails listed; a full decision audit trail and admin logs on Enterprise. |
| API and webhooks | Yes: REST API, signed webhooks and a read-only MCP server. | Yes: Custom API actions and outbound webhooks on the Scale plan. |

Competitor details as of Sept 2026, per their public site. Anything their pages do not state is marked not published.

## When to pick Fini

- You want an AI agent to answer most tickets across chat, email and voice.
- You prefer paying per resolved ticket over paying per seat.
- Your support runs on a helpdesk such as Zendesk, Intercom or Salesforce.

## When to pick Lumtry

- You want deterministic rules, not a model, to decide refunds.
- You also sell on WooCommerce, BigCommerce, Amazon or eBay.
- You need dispute evidence and an append-only audit trail next to refunds.

## Sources

- <https://www.usefini.com/product/integrations>
- <https://www.usefini.com/pricing>
- <https://www.usefini.com/product/platform>
- <https://www.usefini.com/>
- <https://www.usefini.com/industries/e-commerce>

We read each competitor's public pages on 24 Sept 2026 and link every claim. If something changed, tell us and we will fix it.

## Related

- [Home](https://lumtry.com/index.md): Decide refunds by a versioned policy, send the exceptions to your team in Slack or the dashboard, and keep every step on the record. Start free.
- [Compare](https://lumtry.com/compare.md): Lumtry side by side with the tools SMB merchants use for refunds today, built from each vendor's own public pages. Find the right fit for your store.
- [Loop Returns](https://lumtry.com/compare/loop-returns.md): Compare Lumtry and Loop Returns on Shopify refunds, exchanges and approvals, using Loop's own public pages. See where each fits your returns process.
- [AfterShip Returns](https://lumtry.com/compare/aftership-returns.md): Compare Lumtry and AfterShip Returns on refund policy, approvals and helpdesk sidebars, from AfterShip's own public pages. See which fits your store.
- [Richpanel](https://lumtry.com/compare/richpanel.md): Compare Lumtry and the Richpanel AI helpdesk on refund decisions, approvals and audit, based on Richpanel's own public pages. See which fits your team.
- [Manual Shopify refunds](https://lumtry.com/compare/manual-shopify-refunds.md): Compare Lumtry with the refund tools built into Shopify admin: policy, approvals, Stripe and PayPal execution and an audit trail. See the difference.
- [ReturnGO](https://lumtry.com/compare/returngo.md): Compare Lumtry and ReturnGO on refund decisions, approvals and audit, with every ReturnGO claim sourced from its own public pages.
- [Return Prime](https://lumtry.com/compare/return-prime.md): Compare Lumtry and Return Prime on refund decisions, approvals and audit, with every Return Prime claim sourced from its own public pages.
- [Pricing](https://lumtry.com/pricing.md): Lumtry plans by case volume and seats, from Free to Enterprise, with add-ons and capped outcome fees. Start free or hear when billing opens.
- [MCP server](https://lumtry.com/developers/mcp.md): Connect an AI assistant or your own agent to your refund workspace through the Model Context Protocol. Read cases and propose actions, never move money.
- [Trust](https://lumtry.com/trust.md): How Lumtry secures merchant data, keeps AI inside a deterministic refund policy, lists every sub-processor and explains data flow and retention. Review it.
- [llms.txt](https://lumtry.com/llms.txt)