Microsoft Copilot vs Vercel AI Gateway comparison

Microsoft Copilot and Vercel AI Gateway compared side by side in AI.

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Microsoft Copilot

Microsoft's AI assistant built into Windows, Edge and Office

What is good

  • Works directly with Windows, Word and Excel
  • Latest-level models available for free

What could be better

  • Office integration features need a Microsoft 365 subscription
  • Weak personality as a standalone chatbot

Microsoft Copilot official site

Vercel AI Gateway

An LLM API gateway from Vercel with 0% markup, where you top up credits and then use models from several providers at list price

What is good

  • 0% token markup and platform fee (0% for BYOK too)
  • $5 free usage per month
  • Budget and observability features

What could be better

  • Payment processing fees are borne by the user
  • The free tier covers only some models with low rate limits

Vercel AI Gateway official site

At a glance

Highlighted rows are where they differ.

ItemMicrosoft CopilotVisit siteVercel AI GatewayVisit site
Starting price≈€8.91+ ($9.99)Official USD priceCheck siteNot applicable
Free tierFree plan availableFree plan available
Korean supportGoodLimited
Main models
  • OpenAI GPT-5 family (Smart/Think Deeper)
  • GPT-5.5/Claude selectable for business
  • MAI in-house models (image/voice)
Models from many providers such as OpenAI, Anthropic, Google, xAI and MiniMax (the free tier covers only some models)
Pricing type-Pay-as-you-go/Credits, Free
TypeAI servicesAI apps
CategoryChatbot/Assistant, Writing/ProductivityAPI Aggregator
CompanyMicrosoft, United StatesVercel Inc., United States
Plans
  • Free
  • M365 Personal $9.99
  • Family $12.99
  • Premium $19.99
  • Pro $99.99
  • For business: Copilot Business $21 (annual), Enterprise $30 (annual)
  • Pay-as-you-go (provider list price, 0% markup) + payment fees separate. Free tier: $5 free usage per month per team account (free-tier models only, low rate limits per model, forfeited when you buy credits). Add-on features (reporting, ZDR, allowlists) billed separately
Pros
  • Works directly with Windows, Word and Excel
  • Latest-level models available for free
  • 0% token markup and platform fee (0% for BYOK too)
  • $5 free usage per month
  • Budget and observability features
  • Guides for connecting coding agents such as Claude Code, Codex and Cursor
Cons
  • Office integration features need a Microsoft 365 subscription
  • Weak personality as a standalone chatbot
  • Payment processing fees are borne by the user
  • The free tier covers only some models with low rate limits
  • BYOK only on the paid tier
  • Add-on features such as ZDR and reporting are billed separately

Prices and benefits may change. Check the official site before you pay.

Prices converted at 1 USD = ₩1,327.84 (2026-10-20). Original price shown in brackets. Taxes as listed by each provider.

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