The verdict
If you sell online and the same where-is-my-parcel questions eat your day, pick Gorgias. The order data does the work. If you run a software or services business and want AI to resolve a share of conversations, pick Intercom.
The cost models are very different. Gorgias is priced by ticket volume, not seats, so check how it counts tickets and what a seasonal spike does to your plan. Intercom charges per seat, and Fin is billed by resolved outcome, which is harder to forecast. In both, the AI is only as good as your policies and content, so read what it handled before you trust it.