Cradle vs 3CX: cloud phone system comparison for AU and NZ accounting firms
3CX is a long-running IP PBX with a large reseller and MSP channel. Here is an honest comparison for accounting and professional-services firms in Australia and New Zealand: where the two products differ, where each fits best, and where the choice really comes down to whether you want a PBX or a SaaS.
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FYI, Xero Practice Manager and HubSpot are all live on every paid Cradle tier. The AI summaries post into the FYI activity feed against the right client, and time entries draft on FYI Elite with FYI AI.
There is no PBX, no SBC and no reseller between your firm and the product. Provision in your browser, port your numbers, and dial out the same day.
If your firm has an in-house IT team or an MSP that already runs 3CX, the per-user cost at large headcount on a self-hosted PBX can come out lower than a SaaS subscription. 3CX is also the more flexible product for organisations that need an on-premise option or have an existing PSTN trunk they want to keep.
Try Cradle in your browser
Click through the call log, in-call screen, messages and settings. Every contact-bearing row shows the FYI, XPM and HubSpot badges, so you can see what Cradle running inside your practice tools looks like before you book a call.
Trusted by accounting firms across Australia and New Zealand
“The biggest game changer for us is that every call is automatically saved into FYI. That means no more missed notes or chasing people for messages. The accountants can just go back and see the conversation for themselves”
How Cradle helps
Three things accounting and professional-services firms in Australia and New Zealand consistently tell us they want from a phone system. Cradle is built for all three.
Cloud-first, no PBX to maintain
Cradle is SaaS. No server, no SBC, no MSP between you and the product. Cradle is provisioned in your browser. There is no PBX to patch, no operating system to keep current, no on-premise hardware, and no reseller in the middle. You manage your own setup from the admin portal: numbers, users, business hours, routing, integrations. 3CX is licensed software that you (or your IT partner) host. In practice, most accounting and professional-services firms running 3CX have it installed and supported by a local IT company, with SIP-trunk minutes billed separately by a third-party carrier on top of the licence. The 3CX product is hugely extensible; whether your firm can use that extensibility depends on whether you have someone in-house who knows the system, or a budget for the IT partner who does. For firms that want to add a number, change an after-hours greeting, or onboard a new starter without filing a ticket, the self-managed SaaS model is usually the better fit.
Built around the accounting workflow
FYI activity logging, draft time entries on FYI Elite with FYI AI, XPM client lookup, HubSpot calling. Calls log themselves into the right client record. AI summaries land in the FYI activity feed, time entries draft on FYI Elite with FYI AI, and HubSpot picks up the call with caller ID against the right contact. 3CX ships a generic CRM integration framework with templates for popular CRMs; the accounting practice management work, on FYI in particular, is where Cradle and 3CX sit furthest apart.
New Zealand numbers, New Zealand support
NZ numbers, NZ business hours, NZ carriers. Number porting through Spark, 2degrees and One NZ is handled end-to-end by the Cradle onboarding team. Support is staffed in your timezone. There is no 3CX partner in the middle of the support relationship; the people who answer the phone work on the product.
Which one wins for your stack?
Four common stacks, four direct recommendations. If your stack isn't here, the table further down has the full picture.
Your IT team or MSP has standardised on 3CX
3CX is fine if your phone usage is occasional and your IT team or MSP already owns the system. Cradle wins when calls are central to the billable workflow and the FYI, XPM and HubSpot integrations meaningfully reduce admin time.
You are an accounting firm on FYI, XPM or HubSpot
Integrations ship today, are included on every paid Cradle tier, and are shaped around the accounting workflow rather than a generic CRM template. AI summaries post into FYI activity feeds, and on FYI Elite with FYI AI time entries draft against the right job.
You want a perpetual licence and low per-user cost at scale
Cradle is subscription-only. For a large IT-managed deployment willing to absorb the operational cost of running the PBX, 3CX has the more flexible licensing. Compare on total cost of ownership (TCO), not licence alone: server, patching, SIP-trunk minutes, IT-partner fees, and integration build-out.
You need AU and NZ porting and local support
Cradle ports through Spark, 2degrees, One NZ, Telstra, Optus and TPG end-to-end. Support is staffed in AU and NZ business hours, and there is no 3CX partner between you and the people who work on the product.
Cradle vs 3CX: the detail
Six views of the comparison: the headline summary table, the integrations side-by-side, AI features, pricing positioning, the setup experience, and a FAQ.
Where each tool fits best
3CX fits best when: you have an in-house IT team or MSP that already runs a PBX and wants to keep doing that; you want a self-hosted option for sovereignty or cost reasons at large headcount; you have an existing PSTN trunk you want to keep on a perpetual licence model; calls are a background channel rather than the primary one.
Cradle fits best when: you are an Australian or New Zealand accounting or professional-services firm; you run FYI (or want to); you live in XPM or HubSpot day-to-day; you want a phone system shaped around the billable conversation; you would rather provision in your browser than stand up a PBX.
If both descriptions sound partly right for your firm, the single question that resolves the choice is whether the calling tool needs to write into the practice management software you actually use.
| Capability | Cradle | 3CX |
|---|---|---|
| Product shape | Cloud-native SaaS | IP PBX (self-hosted, hosted by 3CX or partner-hosted) |
| Built for | AU + NZ accounting and professional services | General-purpose SMB and enterprise telephony, global |
| Sales motion | Direct from Cradle | Reseller / MSP channel (also direct) |
| Support hours | AU + NZ business hours, direct from Cradle | Varies (direct from 3CX or via partner) |
| FYI integration | ||
| Xero Practice Manager (XPM) | Deep accounting workflow | Not listed |
| HubSpot CRM | Generic CRM template | |
| Karbon | On roadmap | |
| Generic CRM integrations (Salesforce, Zoho, MS Dynamics, etc.) | ||
| Microsoft Teams | Works alongside | Direct Routing supported |
| AI call summaries + transcripts | On Pro + Enterprise | Depends on version + tier |
| AI summaries into FYI activity feed | ||
| Time entries on FYI Elite + FYI AI | ||
| Subscription pricing | yes (current model) | |
| Perpetual licence option | Historically yes, check current state | |
| Self-hosted option | ||
| Free trial on public site | Free tier published | |
| Self-serve sign-up | Typically via partner | |
| Number porting, call recording, mobile + desktop apps, smart routing, voicemail |
3CX publishes a free tier and a paid tier set on 3cx.com/ordering/pricing. Sign-up is typically routed through a 3CX partner or MSP. Cradle exposes a free-trial path alongside its demo CTA on /pricing.
3CX has shipped a number of pricing model changes over the years. Treat the rows above as a starting point rather than a final answer, and check the live 3CX pricing page before deciding. Cradle's published pricing on /pricing is the source of truth for the Cradle side.
Practice tools side-by-side
For accounting and professional-services firms in Australia and New Zealand, the depth of the practice management integration is the biggest single difference between Cradle and 3CX. Cradle ships an FYI integration with AI summaries posting into the activity feed and time entries drafting on FYI Elite with FYI AI. 3CX's integration framework is general-purpose CRM-shaped: it has templates for popular CRMs and exposes contact lookup and click-to-call, but the accounting practice management piece is not the focus.
| Integration | Cradle | 3CX | Notes |
|---|---|---|---|
| FYI | Live on Cradle today, including AI summaries into the FYI activity feed and time entries on FYI Elite with FYI AI. 3CX does not list FYI in its integration framework. See /integrations/fyi. | ||
| Xero Practice Manager (XPM) | Cradle's XPM work covers client identity on inbound calls, click-to-call, and call logging into the right client record. 3CX does not list XPM in its integration framework. See /integrations/xpm. | ||
| HubSpot CRM | Generic template | Cradle is a HubSpot calling app: click-to-call, caller ID, call recording and (on Professional and Enterprise) HubSpot conversation intelligence. 3CX provides a generic CRM template that supports basic contact lookup and call logging. /integrations/hubspot. | |
| Karbon | On roadmap | On Cradle's roadmap. 3CX does not list Karbon in its integration framework. | |
| Microsoft Teams | Works alongside | Direct Routing | Cradle runs alongside Microsoft Teams. 3CX supports Microsoft Teams via Direct Routing for organisations that want to keep Teams as the calling client. See Cradle vs Microsoft Teams Phone. |
| Generic CRMs (Salesforce, Zoho, Dynamics, etc.) | Parity. Both products integrate with the common general-purpose CRMs. Depth of integration on each side varies by CRM. | ||
| Webhooks / public API | Parity. Cradle exposes tiered REST API limits on /pricing. 3CX ships its own call-control API and webhooks. |
AI summaries, transcripts and time tracking
Both products ship AI features. Cradle includes call summaries and voicemail transcripts on Professional and Enterprise. 3CX has added transcription and AI features through recent major versions, with depth varying by tier and deployment.
For accounting firms, the substantive difference is where the AI output goes. On Cradle, AI summaries and voicemail transcripts post into FYI activity feeds against the right client the moment the call ends. On FYI Elite with FYI AI, Cradle also drafts time entries against the right job, ready for a partner to approve at month-end. Nobody types the call up after.
On 3CX, the AI output lives in the PBX. To get the same write-back into FYI, XPM or HubSpot, you need to build it yourself against 3CX's API or use a third-party connector. That is real engineering work for an IT team, rather than a checkbox on a settings page.
If your firm runs a generic CRM (Salesforce, Zoho) and you have an in-house IT team that wants to build the connector themselves, 3CX's extensibility is genuinely useful. If your firm runs FYI, XPM or HubSpot and wants the integration to ship as part of the product, Cradle is the more direct path.
Pricing positioning
The two products price quite differently, which makes list-price comparisons misleading.
- Cradle publishes per-user subscription tiers on /pricing: Standard, Professional and Enterprise. Calling credit is included on each paid tier. FYI, XPM, HubSpot, MS Teams compatibility, business-hours routing, fail-safe routing, mobile and desktop apps, call recording and number porting are included on every paid tier. There is no separate licence for the integrations.
- 3CX publishes its current tiers on 3cx.com/ordering/pricing. 3CX has gone through several pricing model changes (per-system simultaneous-call perpetual licence in the past, more recently a tier-based subscription), so check the live page rather than any second-hand summary. There is also a free tier for small teams.
The two products meter calling differently and price against different things (per user vs per system / simultaneous calls historically). For most accounting firms below 50 staff, the practical monthly bill ends up close once you factor in the operational cost of running the PBX layer on 3CX (server, patching, MSP fees, integration build-out for FYI / XPM / HubSpot). For very large IT-managed deployments, 3CX has the more flexible licensing.
Prices change. Check /pricing and 3cx.com/ordering/pricing before deciding.
What getting started looks like
Cradle. You can start a free trial from /pricing without booking a sales call. If you would rather have someone walk you through it, book a 30-minute demo and the Cradle team will provision your number, users and basic routing during the call. The FYI, XPM and HubSpot integrations are configured from admin.cradle.io: a few minutes per integration, no engineering project.
3CX.The 3CX deployment path varies by partner. For self-hosted, you (or your MSP) stand up a Linux or Windows server, install the 3CX PBX software, configure the SIP trunk to a carrier, set up the firewall and certificates, and configure extensions and routing. For 3CX's hosted option or a partner-hosted deployment, the partner does most of that work. 3CX publishes detailed deployment guides on its site; budget for a real IT project on first deployment.
Porting your numbers.Both products port. Cradle's onboarding team handles the LOA paperwork and the carrier liaison end-to-end; typical porting takes around two weeks. On 3CX, porting is arranged with whichever SIP trunk provider or carrier you choose to put behind the PBX, so timelines and paperwork depend on that provider rather than on 3CX itself.
Frequently asked questions
Does Cradle integrate with FYI?
Does Cradle integrate with Xero Practice Manager (XPM)?
Does Cradle integrate with HubSpot?
Does Cradle integrate with Karbon?
How does pricing compare?
Which has more capable AI features?
Can I keep my existing phone numbers if I switch from 3CX or another provider?
Can I try Cradle without booking a sales call?
What if I am currently on 3CX?
Is 3CX cheaper than Cradle?
Which is better if my IT team or MSP has standardised on 3CX?
Which is better if I am an accounting firm running FYI, XPM or HubSpot?
Which is better if I want a perpetual licence and low per-user cost at scale?
Which is better if I need AU and NZ porting and local support?
Keep reading
The integration pillars and the broader accounting workflow story.
Live integrations
For accounting firms
About Cradle
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Bring your practice tool, your team size and your number-porting questions, and we will model the rollout for your firm. If 3CX turns out to be the better fit, we will tell you.


