Pine AI calls, emails and negotiates for you on bills, subscriptions and refunds. Paid plans from $99.9/month billed annually. See features and pricing.
Researched and fact-checked by Bartu Cavusoglu · Updated October 26, 2026
Pine AI is an AI assistant that takes on life admin work such as bills, subscriptions, refunds and complaints. Instead of giving advice, it carries out the task: it makes the phone call, sends the email and follows up until the issue is resolved. The company positions it as a way to stop giving up on disputes after long hold times, endless transfers and unhelpful agents.
The site lists many problem areas, including car rentals, banking maintenance fees, e-commerce returns, ride hailing complaints, food delivery issues, utilities, telecom services and travel disruptions. Newer additions include short-term rental compliance. The company reports more than 150,000 users, a 93% negotiation success rate and over $3 million saved for consumers, all self-reported.
A user tells Pine what needs to be done, for example lowering an internet bill or cancelling a subscription. Pine then handles the calls, emails and follow-ups. For phone work, the user claims a dedicated Pine number, verifies caller ID and forwarding rules, and chooses which calls Pine may answer or place.
Users set the desired outcome and the boundaries. Pine navigates hold music, explains the situation, negotiates within those guardrails and returns a resolution or an approval request. Before high-impact actions, Pine shows what it plans to send, and the user can approve, edit, pause or take over. One example on the site shows a user submitting a photo of an electric bill, after which Pine offered to call the utility company about lowering it.
Pine's core services are bill negotiation, subscription cancellation, refunds and compensation claims, and complaint filing. The company says it cuts telecom and cable bills by 20% on average and often gets hotels and airlines to offer up to $50 in compensation for complaints. Customer examples include a $96 DoorDash refund, a $135 Hertz overcharge recovery and a $35 electricity late fee waiver.
Pine Phone extends this with inbound call screening, outbound negotiation and batch outreach. Batch calling asks several vendors the same questions at once and returns a comparison of price and availability. Pine can also dial into Zoom or Google Meet meetings, capture decisions and return minutes and action items. The company compares this to manual calling and standard voice AI or voicemail.
Pine AI is an AI assistant that handles life admin tasks by phone and email. It negotiates bills, cancels subscriptions, pursues refunds and compensation, files complaints and books appointments on the user's behalf.
The pricing page lists Plus at $99.9 per month, Max at $174.9 per month and Team at $291.6 per month, all billed annually. Enterprise pricing is custom. A free tier appears to exist, since each paid plan includes everything in Free.
The site shows a 'Try for free' option and refers to a Free plan. The provided pages do not describe the limits of the free tier or its credit allowance.
Pine can negotiate telecom, utility and medical bills, cancel subscriptions, claim refunds and compensation, dispute parking tickets and handle lost baggage or hotel and flight claims. Pine Phone also screens calls, calls vendors in batches and joins Zoom or Google Meet meetings.
According to the pricing page, annual plans run bill negotiation with credits only and no percentage success fee. A billing guide says Pro Monthly can use a success fee, while plan credits cover bill negotiation in other cases.
The company says data is fully encrypted and accessible only by the user, and that calls use only essential details, temporarily and with approval. The pricing page adds that sensitive data is kept out of AI processing and long-term storage.
Pine offers a work and business plan view, a Team plan with batch calling up to 20, and Pine Phone for vendor quote comparison and meeting attendance. Small teams with phone-heavy workflows may find it useful, though the sources do not describe team management features in detail.
The provided pages name only Zoom and Google Meet, which Pine can dial into. No other integrations are listed.