20NINE vs Close CRM
This comparison is unique because 20NINE and Close CRM serve completely different niches. 20NINE is financial infrastructure designed for digitizing cash economies. Close CRM is a dedicated sales tool focused on cutting CRMs chaos and selling faster.
Best for: Financial institutions targeting emerging leap markets, Organizations seeking to digitize cash-dominant transactions
Best for: Small to medium-sized sales teams (SMBs), Organizations aiming to centralize all communication in one hub
AI power for financial inclusion.
We recognize 20NINE's highly ambitious goal of digitizing informal economies using advanced AI credit scoring and next-generation payments. The unique solution excellently bridges the financial gap for millions otherwise ignored by traditional banking systems. Overall, 20NINE offers a powerful, high-impact platform, though its undisclosed custom pricing limits public transparency.
Pros
- Utilizes advanced AI for credit scoring informal economies.
- Crucial focus on financial inclusion for underserved markets.
- Delivers next-generation digital payment solutions (Blipply platform).
- Empowers micro-retailers to expand their market reach.
Cons
- Pricing plans and fee structures are not publicly disclosed.
- Lacks transparency regarding specific subscription tiers.
- No mention of a free trial or free access option.
- Lack of specific user reviews for the Blipply financial platform.
Simple CRM with mixed user experiences.
We find Close CRM offers a solid, all-in-one platform for small sales teams needing built-in calling, email, and AI automation. Overall, it's a capable tool, but its reliability and support responsiveness have drawn significant criticism from some users, making it a mixed bag for certain teams.
Pros
- All-in-one platform for calling, email, SMS, and pipeline management.
- AI agent (Chloe) automates follow-ups and lead engagement.
- Built-in Power and Predictive Dialers for high-volume teams.
- Straightforward UI that's easy to learn without complex training.
Cons
- Auto-security system can lock trials or accounts without warning, causing data access issues.
- Support sometimes provides generic, copy-paste responses instead of personalized help.
- Recent interface updates have introduced bugs, high latency, and missing functions for some users.
- iPhone app has been reported as slow and prone to call stuttering.
About20NINE
20NINE is building connections between two ends of the financial spectrum. We're bridging the gap between consumers and micro-retailers in leap markets and the formal financial system. The company uses advanced AI-based credit scoring to help both micro-retailers and their customers become credit-ready.
This platform leverages the rise of mobile phones, ushering in a new era of financial accessibility where traditional banking infrastructure is limited. For the millions of micro-retailers who are the backbone of local economies, 20NINE empowers them to expand their reach and transition from cash dominance. ✅ Their platform, Blipply, delivers seamless and accurate shopping experiences, designed for both online and in-store use.
AboutClose CRM
Close is a sales CRM built for teams that sell. It combines calling, email, SMS, pipeline management, reporting, and an AI sales agent named Chloe into a single platform. ✅ It's designed for sales teams who want to act on their sales data quickly and efficiently, rather than juggling multiple tools. The platform is trusted by over 11,500 sales teams.
Highlights
Feature Comparison
Features Overview
We highlight the main differences and pick a winner for each feature.
Core Purpose
20NINE is financial infrastructure for emerging markets. Close CRM is a modern, AI-powered CRM for closing deals.
20NINE uses specialized AI credit scoring to digitize mom-and-pop shops in cash-dominant economies. This bridges the financial gap for millions globally. Close CRM helps small sales teams sell faster by centralizing all communication in one dependable tool. Close CRM is sales-first, focusing on managing deals efficiently, not just data entry. If you are digitizing an entire economy, choose 20NINE. If you are managing your team’s pipeline, choose Close CRM.
Artificial Intelligence
Close CRM uses AI for daily sales productivity. 20NINE uses proprietary AI for specialized financial scoring.
Close CRM includes AI Notetaker, AI Enrich, and AI Email Rewrite Assistant for daily productivity boosts. Close CRM actively connects with Claude or ChatGPT for smarter outreach and response generation. 20NINE features advanced AI designed to unlock creditworthiness in informal retail markets. This scoring helps businesses previously locked out of formal finance. Close CRM’s AI assists the user directly; 20NINE’s AI manages infrastructure and data.
Pricing Clarity
Close CRM offers clear, public pricing tiers starting at $0/year. 20NINE requires direct contact and custom negotiation.
Close CRM is highly transparent, listing Solo, Essentials, Growth, and Scale plans clearly online. Close CRM offers a "Try for free" option across all plans, making it easy to test features risk-free. 20NINE utilizes a custom enterprise or usage-based model, standard for large infrastructure solutions. Specific costs and cancellation terms for 20NINE must be settled via direct sales negotiation. If budget predictability is the key factor, Close CRM is the only solution here with transparent costs.
Payments & Credit
20NINE handles credit infrastructure and digital payments. Close CRM tracks communication related to sales payments.
20NINE enables next-generation digital payments using mobile-first solutions, eliminating the need for traditional bank cards. 20NINE's integrated AI credit scoring makes micro-retailers and customers credit-ready for financial products. Close CRM is a sales pipeline tool; it records calls and emails and tracks deal stages. Close CRM focuses on conversational data and deal progression, not specialized financial transaction infrastructure. 20NINE is the only choice if your function involves creating financial access or infrastructure.
Automation Scope
Close CRM centralizes sales workflows to replace external tools. 20NINE automates the digitization of financial transactions.
Close CRM works to cut the Zapier expenses by offering reliable, built-in automation for selling communications. This focus improves reliability across data flows, ensuring a singular communications tool. 20NINE automates the credit scoring process and payment flows for businesses moving away from cash dependence. 20NINE’s automation addresses market-wide habits; Close CRM’s handles internal team efficiency.
Customer Support
20NINE has very strong public feedback for friendly and 'super fast' support. Close CRM support details are less transparent.
20NINE's existing reviews consistently praise their 'supersnelle' (super fast) helpdesk assistance. Users describe contact with 20NINE as pleasant, efficient, and highly cooperative overall. Close CRM offers a 24/7 knowledge base and standard email support for all users. However, there are no public testimonials confirming the speed or responsiveness of Close CRM's support team. For guaranteed responsive service, 20NINE shows strong historical performance evidence.
Target Users
20NINE targets massive financial enterprises. Close CRM is optimized specifically for small B2B selling teams.
20NINE focuses on bridging communities in 'emerging leap markets' into formal financial systems using AI credit scoring. Their goal is massive financial inclusion for underserved populations. Close CRM is marketed specifically for small teams hoping to close more deals with reduced chaos. Close CRM minimizes external tools, addressing pain points like high automation costs. Neither tool is a good substitute for the other's core user base.
You should contact 20NINE directly to inquire about costs for their digital payment and credit-scoring services, as pricing appears customized.
Custom Enterprise Solution
Best For: Organizations focused on bridging the gap between underserved communities and formal financial systems Other Features:
- AI-based credit scoring for informal economies
- Next-generation digital payment solutions (Blipply platform)
- Empowerment of micro-retailers to expand their reach
- Solutions designed for emerging markets and cash-dominant communities
20NINE primarily focuses on digitizing informal economies and connecting large networks of micro-retailers and consumers. Because their solutions address complex financial ecosystems, pricing is likely tailored to specific organizational needs, market scale, and implementation complexity. This ensures you get a powerful solution perfectly fitted to your target region and project goals. 🤝
Close CRM costs between $9 and $139 per user/month with 4 plans: Solo at $9, Essentials at $35, Growth at $99, and Scale at $139.
Here is a quick breakdown to help you pick the best tier for your sales workflow.
Solo
Price: $9 per user/month (billed annually) Best For: Founders and solo reps who need a CRM instead of a spreadsheet Other Features:
- Includes 500 AI credits per user each month
- Limited to 1 user and up to 10,000 leads
- Core CRM tools for email, calling, and SMS
- Includes 500 AI credits per user/month
- Use Chloe & AI features
- 500 credits/month, refreshes monthly
- Limited to 1 user
- Limited to 10k leads
- Includes 1,000 AI credits per user/month
- Shared pool: 1,000 credits/user, up to 10,000/month
- Unlimited contacts & leads
- Team collaboration features
- Built-in forms, email, calling & SMS
- Includes 1,500 AI credits per user/month
- Shared pool: 1,500 credits/user, up to 15,000/month
- Automated workflows
- Use Chloe in Workflows
- Power dialer
- Includes 2,000 AI credits per user/month
- Shared pool: 2,000 credits/user, up to 20,000/month
- Role-based access & permissions
- Lead visibility settings
- Predictive dialer
Pricing Notes
- Close CRM offers a clear free plan and transparent, tiered pricing, starting at $0/year for their Solo plan.
- Close CRM provides a free trial for users to test the platform before committing to a paid plan.
- 20NINE operates on a custom enterprise model, meaning price quotes require direct consultation with their sales team.
- 20NINE's costs are usage-based, reflecting its specialized financial infrastructure role in emerging markets.
Pricing Head-to-Head
User Reviews
Trustpilot reviews for a company using the 20NINE name show a strong overall rating of 4.7 stars based on 26 reviews, categorized as Excellent. However, the provided user feedback specifically applies to a different entity: an established Dutch web hosting and web development service, not the AI credit scoring platform focused on emerging markets.
We found only one concrete sentiment snippet regarding the quality of service. This limited feedback, derived from the related web host entity, consistently emphasizes strong support responsiveness.
This team provides fine contact and a super-fast helpdesk. Their responsiveness really sets them apart in the technology sector.
On Trustpilot, Close CRM holds a rating of 2.8/5. Users praise its straightforward UI, built-in calling and SMS, and responsive support that resolves issues quickly.
Many appreciate it as a simple alternative to complex tools like HubSpot. However, recurring concerns include unreliable auto-security systems that lock trials or accounts without warning, poor onboarding with copy-paste support responses, and occasional bugs in the AI search and newer interface.
Close is an amazing CRM and company. Our users found other CRMs complicated and over featured. The features we needed like SMS, Calling, and call recording are built in, so you don't need to figure out how to setup and support that. And speaking of support, their support team is incredible.
Our Verdict
These tools aren't really competitors; they live in entirely different universes entirely. If you’re choosing between 20NINE and Close CRM, you already know your core business function. 20NINE is specialized infrastructure for financial inclusion. Close CRM is a focused, cost-effective sales CRM for efficient daily operations. 20NINE’s superpower is unlocking creditworthiness across crucial informal economies globally. It uses custom AI to score non-traditional financial data for millions of micro-retailers. If your enterprise goal involves eliminating physical bank cards and digitizing entire markets, 20NINE is the only choice here. 20NINE requires confidential, usage-based FinTech pricing. Close CRM is a single, powerful tool built purely for closing deals daily. Its AI features handle busywork like note-taking and enriching contact data for sales reps. Close CRM can also help you cut costs by reducing your high reliance on external automation tools like Zapier. Close CRM is ideal for small teams that prize organizational efficiency and simplicity. The deciding factor is your budget and market structure, as they serve different needs. Close CRM has transparent pricing starting at $0/year, making it easy to adopt quickly. 20NINE requires confidential, custom enterprise negotiation before implementation can begin. If you need a plug-and-play sales hub, choose Close CRM. If you are a financial institution changing the world's payment landscape, contact 20NINE immediately.
Frequently Asked Questions
Which is better for small business sales teams: 20NINE or Close CRM?
Close CRM is explicitly designed for small sales teams focused on managing pipelines and closing deals. 20NINE is a complex financial infrastructure tool, not a daily CRM. Close CRM offers AI notes and centralized communication to boost sales productivity.
Does 20NINE have AI features like Close CRM's Notetaker and Summaries?
No, 20NINE's AI is specialized for credit scoring and financial risk analysis in informal economies. Close CRM’s AI assists with sales productivity, notes, enrichment, and email rewriting. The AI capabilities of 20NINE and Close CRM serve entirely different functions.
Can I use 20NINE as a replacement for Close CRM?
Absolutely not. 20NINE is an enterprise FinTech platform focused on large-scale digital payments and credit infrastructure. Close CRM is built for sales communication management. They solve completely separate business problems.
Why are the pricing models for 20NINE and Close CRM so different?
Close CRM is a scalable SaaS product with tiered, public per-user pricing starting at $0. 20NINE is specialized financial infrastructure impacting large markets. 20NINE uses custom enterprise and usage-based models reflecting its massive organizational scope.
Which platform offers better customer support and reliability?
20NINE has very strong external reviews for reliable, highly responsive, and 'super fast' helpdesk assistance. However, these reviews reflect their older web hosting services. We lack public data on the support quality of Close CRM.
Which tool is better for integrating with external systems?
Close CRM explicitly mentions integration with Zoom, Zapier, Calendly, and API access, plus Claude/ChatGPT. 20NINE integration details for their specialized platform are not publicly available. Close CRM is the clear winner for known integration capability.
Ready to Choose?
Both tools have their strengths. Choose based on your specific needs.