Comparing interface.ai and Retell AI? Both are AI Agents & Chatbots and Voice & Phone AI tools in the directory, which is why buyers put them on the same shortlist. Below is a side-by-side look at how they price, what they integrate with, and when each is the better fit, so you can pick on the facts rather than either vendor's own sales page.
| Attribute | interface.ai | Retell AI |
|---|---|---|
| Pricing | Paid · Custom | Paid · $0.07/min |
| Founded | 2019 | 2023 |
| Categories | AI Agents & Chatbots Contact Center & CCaaS Voice & Phone AI | AI Agents & Chatbots Voice & Phone AI |
| Integrations | Jack Henry Symitar Jack Henry SilverLake Fiserv Corelation FIS COCC Finastra | Twilio Vonage Telnyx Cal.com n8n Make GoHighLevel custom SIP trunking |
interface.ai sells AI agents purpose built for credit unions and community banks. Its BankGPT platform, launched in late 2025, spans Agentic Voice AI that answers member phone calls, Agentic Chat AI for web and mobile, and Agentic Employee AI that assists staff, all wired into core banking systems so the agents can actually do things: check balances, move money, manage cards, take loan payments. The agents authenticate members and complete transactions rather than just deflecting calls. In 2026 it added Smart Collections, a multi channel collections agent, and a bundled CCaaS offering through the Telarus partner program.
Srinivas Njay and Bruce Kim launched interface.ai in 2019, and Njay's origin story is genuinely charming: his father ran a credit union in India, and the company was built around institutions of that scale. It bootstrapped to more than 100 financial institution customers and tens of millions in annual recurring revenue before taking its first outside money in October 2024, a $30 million round led by Avataar Venture Partners, of which $20 million was equity and $10 million debt. The company says it now handles over 1.5 million conversations a day.
Pricing is entirely quote based. Nothing is published on the site, no tiers, no starting numbers, and deals are scoped to institution size, channels, and integrations. The company markets ROI cases rather than price points, which is common in this space but means you should benchmark against rivals like Posh AI, Glia, and Eltropy, and ask hard questions about one time implementation fees on top of the subscription.
Choose interface.ai if you run a credit union or community bank and want deep, prebuilt core integrations, it claims more than 40 Jack Henry implementations alone, plus voice as the flagship channel. It is a poor fit outside banking, and larger banks with in house AI teams or non financial businesses should look at horizontal platforms instead.
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Retell AI is a platform for building AI phone agents that answer and place calls. You compose an agent from interchangeable parts: a speech-to-text layer, your choice of LLM, a voice from providers like ElevenLabs, and telephony via Twilio, Vonage, Telnyx, or your own SIP trunk. The platform handles the hard real time bits, interruption handling, latency, call transfer, and IVR navigation, and adds testing, monitoring, and post call analysis aimed squarely at contact center and front desk workloads.
The company came out of Y Combinator's Winter 2024 batch, founded in 2023, with Evie Wang among the cofounders. It grew unusually fast for a seed stage company: a $4.6 million seed led by Alt Capital in September 2024 arrived alongside a reported $3 million in annual revenue within months of launch. Named customers include telehealth company Ro, plus BPOs and contact center operators.
Pricing is published and usage based, which is refreshingly rare. Retell quotes $0.07 to $0.31 per minute all in, depending on your voice and model choices, with components itemized: text-to-speech from $0.015 per minute, LLM costs from $0.003 to $0.16 per minute, US telephony around $0.015 per minute. Every account includes 20 concurrent calls, extra concurrency is $8 per line monthly, phone numbers cost $2 monthly, and new accounts get $10 in free credits. Enterprise plans with dedicated infrastructure are custom.
Choose Retell if you have some technical ability, want a working phone agent this week, and value published per minute economics you can model before committing. Its contact center tilt (batch calling, warm transfer, IVR traversal) makes it a natural fit for support lines. Look elsewhere if you want a fully managed enterprise deployment with a vendor doing the tuning, or a pure no-code experience for a non-technical team.
Read the full Retell AI listing → · See Retell AI alternatives →
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