Summary: If you're ok with showing ads, probably you might as well use Disqus (https://disqus.com).
Both Disqus and Talkyard can be embedded in an
<iframe> below one's blog posts,
to provide blog comments.
Talkyard does not show ads or track people. It's open source (Disqus is not), and tends to be more affordable, if you don't want to show ads. — Talkyard can also function as a discussion forum, should you want that. And supports custom user groups and permissions.
Disqus is free, if you're okay with them showing ads. Disqus has features Talkyard lacks: Star ratings, badges and gamification, shadow banning, timeouts, some AI moderation assistance already. (And more?). They're a bigger company: lower risk, better support and uptime guarantees.
Both Talkyard has features for larger discussions. Takyard lets you jump to the parent comment to refresh your mind, and then jump back to where you were and continue reading. Disqus shows the parent comment if you hover over the in-reply-to name.
Price and Hosting
If on-premise. SaaS always auto upgrades.Yes