What are the key differences between 123 Financial and ACT!?

Compare 123 Financial and ACT! side by side on Lunoo to see detailed feature differences, AI scores, and expert analysis.

How are 123 Financial and ACT! scored?

123 Financial has an AI score of 6.2/10 and ACT! has an AI score of 9.5/10. Scores are based on features, user satisfaction, and overall quality analysis.

123 Financial vs ACT! 2026 — Compared

123 Financial

ACT!

WINNER ACT!

ACT! edges ahead with a score of 9.5/10 compared to 6.2/10 for 123 Financial. While both are highly rated in their respe...

123 Financial

6.2 Fair

Accounting Get 123 Financial open_in_new

emoji_events WINNER

ACT!

9.5 Brilliant

Accounting Get ACT! open_in_new

123 Financial Pricing not available

payments

ACT! From $25/user/mo

psychology AI Verdict

ACT! edges ahead with a score of 9.5/10 compared to 6.2/10 for 123 Financial. While both are highly rated in their respective fields, ACT! demonstrates a slight advantage in our AI ranking criteria. A detailed AI-powered analysis is being prepared for this comparison.

emoji_events Winner: ACT!

verified Confidence: Low

Ready to decide? Get ACT! arrow_forward

description Overview

123 Financial

123 Financial is a cloud-based accounting software that supports multiple currencies, catering to businesses with international operations. It offers invoicing, receipt tracking, and bank reconciliation features. 123 Financial provides essential tools for managing finances efficiently in small to medium-sized enterprises (SMEs).

ACT!

ACT! is one of the oldest contact management systems on the market. While it was once the standard for small business sales teams, it has struggled to transition effectively to the cloud-first, mobile-centric world. The interface is clunky, and the setup is often complex compared to modern, web-based CRM solutions. It is included here as a comparison point for legacy software that has failed to ke...