B2B BNPL and net terms
Asked as “B2B buy now pay later provider”, and as “net terms financing for B2B sales”, on behalf of a mid-market B2B company. 35 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
51%
Clear leader
51Resolve Pay23Credit Key06Mondu20others
51% of first choices, clear leader.
Since October 2026▼−5Since October 2026: 56% → 51%, −5 points. Inside the 10-point floor: within noise.Resolve Pay held the lead, −5 points on 56%, inside the 10-point floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Resolve Pay34%Contested▲+1Since October 2026: 33% → 34%, +1 point. Inside the 10-point floor: within noise.Standing →Mid-marketResolve Pay51%Clear leader▼−5Since October 2026: 56% → 51%, −5 points. Inside the 10-point floor: within noise.This pageEnterprise
TreviPay47%Clear leader▲+6Since October 2026: 41% → 47%, +6 points. Inside the 10-point floor: within noise.Standing →
Resolve Pay34%Contested▲+1Since October 2026: 33% → 34%, +1 point. Inside the 10-point floor: within noise.Standing →Mid-marketResolve Pay51%Clear leader▼−5Since October 2026: 56% → 51%, −5 points. Inside the 10-point floor: within noise.This pageEnterpriseTreviPay47%Clear leader▲+6Since October 2026: 41% → 47%, +6 points. Inside the 10-point floor: within noise.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Resolve Pay51%2%50endorsed leader▼−5Since October 2026: 56% → 51%, −5 points. Inside the 10-point floor: within noise.56% → 51%
Resolve Pay51%2%50endorsed leader▼−5Since October 2026: 56% → 51%, −5 points. Inside the 10-point floor: within noise.56% → 51%02
Credit Key23%0%36accepted challenger▲+9Since October 2026: 14% → 23%, +9 points. Inside the 10-point floor: within noise.14% → 23%
Credit Key23%0%36accepted challenger▲+9Since October 2026: 14% → 23%, +9 points. Inside the 10-point floor: within noise.14% → 23%03
Mondu6%3%30accepted challenger▲+4Since October 2026: 2% → 6%, +4 points. Inside the 10-point floor: within noise.2% → 6%
Mondu6%3%30accepted challenger▲+4Since October 2026: 2% → 6%, +4 points. Inside the 10-point floor: within noise.2% → 6%04
Two6%7%29accepted challenger▲+6Since October 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise.0% → 6%
Two6%7%29accepted challenger▲+6Since October 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise.0% → 6%05TreviPay3%8%37accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 10-point floor: within noise.0% → 3%
TreviPay3%8%37accepted challenger▲+3Since October 2026: 0% → 3%, +3 points. Inside the 10-point floor: within noise.0% → 3%Show the seven products at 0%, ordered by negative rate
12
Hokodo0%58%24criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Hokodo0%58%24criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11Affirm for Business0%40%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
08
Balance0%11%19accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Balance0%11%19accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%10
Fundbox0%10%10accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Fundbox0%10%10accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%06
Billie0%3%29accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 10-point floor: within noise.5% → 0%
Billie0%3%29accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 10-point floor: within noise.5% → 0%07
Capchase Pay0%0%22accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Capchase Pay0%0%22accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09
Kriya0%0%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Kriya0%0%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
All ten head-to-head pages: the top five products, each against each
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
01020304050607080910A11
12Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative70%
Key
01Resolve Pay51%
Resolve Pay51%02Credit Key23%
Credit Key23%03Mondu6%
Mondu6%04Two6%
Two6%05TreviPay3%
TreviPay3%06Billie0%
Billie0%07Capchase Pay0%
Capchase Pay0%08Balance0%
Balance0%09Kriya0%
Kriya0%10Fundbox0%
Fundbox0%11Affirm for Business0%
12Hokodo0%
Hokodo0%What they warned about
Four of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.20, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Hokodo58%
14 of 24 labels negative · 9 of 14 models · 10 hard negative
“Hokodo is no longer an option: This European provider stopped accepting new business in November 2025 and is winding down operations.” Kimi K2, direct prompt
Klarna
67%
6 of 9 labels negative · 5 of 14 models · 2 hard negative
“Avoid Consumer Brands for B2B: Be wary of using consumer-only giants like Klarna or Afterpay for high-value B2B items.” Qwen 3.7 Flash, budget prompt
Afterpay
67%
4 of 6 labels negative · 4 of 14 models · 3 hard negative
“Avoid Consumer Brands for B2B: Be wary of using consumer-only giants like Klarna or Afterpay” Qwen 3.7 Flash, budget prompt
Behalf
100%
3 of 3 labels negative · 3 of 14 models · 3 hard negative
“Effectively defunct since early 2023 after halting new credit in 2022... treat with extreme caution” Grok 4.20, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
76 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 959 links across 211 sites, every framing counted. Ranked by the number of answers carrying the site or page. 9 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · Resolve Pay51 answers · 160 citations · 14 models
vendor site · Two36 answers · 53 citations · 13 models
vendor site · Mondu36 answers · 49 citations · 11 models
36 answers · 36 citations · 11 models
vendor site · Ratiotech28 answers · 33 citations · 12 models
vendor site · Credit Key25 answers · 45 citations · 12 models
24 answers · 32 citations · 10 models
19 answers · 19 citations · 9 models
16 answers · 17 citations · 9 models
15 answers · 15 citations · 9 models
vendor site · Unzer13 answers · 13 citations · 8 models
vendor site · TreviPay12 answers · 19 citations · 8 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
36 answers · 11 models
24 answers · 10 models
19 answers · 9 models
19 answers · 11 models
15 answers · 9 models
12 answers · 8 models
12 answers · 8 models
12 answers · 7 models
12 answers · 8 models
10 answers · 9 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “b2b bnpl and net terms providers”, “b2b buy now pay later provider”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Resolve resolvepay.com Resolve Pay 51% | 51% | 179 | 480 | 60 | 11,436 company | $316 | 6 | 1 |
| Credit Key creditkey.com | 23% | 97 | 3,600 | 661 | 2,569 | 5 | ||
| Mondu mondu.ai | 6% | 77 | 880 | 8 | 1,295 | 9 | ||
| Two two.inc | 6% | 89 | 135,000 | 2,034,237 | 1,827 | 0 | ||
| BackdPay backd.com BackdPayments 3%, BackdPay 3% | 6% | 5 | ||||||
| TreviPay trevipay.com | 3% | 139 | 2,400 | 60 | 40,661 | $8 | 13 | |
| PayPal parent site PayPal Pay Later 3% | 3% | 8 | 5,000,000 | 111,104 | ||||
| Ramp ramp.com Ramp Flex 3% | 3% | 4 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | |
| Billie billie.io | 0% | 75 | 40,500 | 386,430 | 333 | |||
| Capchase Pay capchase.com | 0% | 60 | 20 | 0 | 11,062 |
Google's top ten for the two searches hold 15 sites; 3 of them are among the sites the models cited here (billed.app, mondu.ai, resolvepay.com). The first result for “b2b bnpl and net terms providers” is resolvepay.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best B2B buy now pay later provider for a mid-market B2B company?”Paraphrase“Which net terms financing for B2B sales would you recommend to a mid-sized B2B company?”Comparative“What are the top B2B BNPL and net terms providers and how do they differ?”Budget-constrained“What is the best B2B buy now pay later provider for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a B2B buy now pay later provider. What should we look at?”Negative“Which B2B BNPL and net terms providers should I avoid or be cautious about?”
Claude Haiku 4.5Resolve Payno first choiceChangedMonduResolve Payno first choiceagainst: Affirm Holdings, Hokodo, Klarna Group
Three alternatives
Billie, Mondu, TreviPaySix alternatives
Billie, Capchase Pay, Hokodo, Resolve Pay, TreviPay, TwoFour alternatives
Affirm for Business, Slope, Splitit, ZipGPT-5.4 miniCredit Keyagainst: PayPal Pay Laterno first choiceChangedResolve PayPayPal Pay Later, Ramp Flexagainst: Afterpay, Klarna, Zipno first choicenothing named
One alternative
BILLFour alternatives
Billie, Credit Key, TreviPay, TwoGemini 3.5 FlashResolve PayResolve PayHeldResolve PayTwoagainst: TreviPayno first choiceagainst: Plastiq
Five alternatives
Balance, Billie, Capchase Pay, TreviPay, VartanaThree alternatives
Balance, Credit Key, TreviPaySeven alternatives
Balance, Billie, Credit Key, Hokodo, Mondu, Slope, TreviPaySix alternatives
Balance, Hokodo, Mondu, Ratio Boost, Resolve Pay, SlopePerplexity SonarResolve Payno first choiceChangedResolve PayCredit Keyagainst: Mondu, Playterno first choiceagainst: Hokodo
Five alternatives
Capchase Pay, Credit Key, Mondu, TreviPay, TwoFour alternatives
Backd, Balance, Capchase Pay, Resolve PayNine alternatives
Balance, Billie, Capchase Pay, Credit Key, Fundbox, Kriya, Mondu, TreviPay, TwoTwo alternatives
Capchase Pay, Resolve PayGrok 4.20TreviPayno first choiceChangedResolve Payagainst: Affirm for Business, KlarnaMonduagainst: Afterpay, Klarna, Sezzle, TreviPay, Two, Zipno first choiceagainst: Hokodoagainst: Behalf, Billie, BizPay, Comfi, Fundbox
Five alternatives
Balance, Billie, Capchase Pay, Mondu, Resolve PaySix alternatives
Billie, Fundbox, Hokodo, Mondu, TreviPay, TwoFive alternatives
Affirm for Business, Billie, PayPal Pay Later, PayPal Payments, Ratio Boost or HokodoMistral SmallCredit Keyno first choiceChangedResolve Pay, TreviPayCredit Keyno first choiceagainst: Hokodo
Four alternatives
Capchase Pay, Resolve Pay, Two, UnzerFour alternatives
BILL, Chaser, QuickBooks Online, VersapayFour alternatives
Affirm for Business, Billie, Fundbox, Terms.TechTwo alternatives
Capchase Pay, Resolve PayDeepSeek V4 FlashResolve PayResolve PayHeldResolve Payagainst: HokodoCredit Key, Resolve Payno first choiceagainst: Hokodoagainst: Balance, Behalf, BizPay, Hokodo, Resolve Pay, Sprinque
One alternative
Credit KeyThree alternatives
Capchase Pay, TreviPay, TwoFive alternatives
Capchase Pay, Credit Key, Mondu, TreviPay, TwoTwo alternatives
Capchase Pay, TwoLlama 4 MaverickResolve Payno first choiceChangedno first choiceno first choiceno first choicenothing named
Three alternatives
Billie, Credit Key, MonduQwen 3.7 FlashMondu, TwoResolve PayChangedno first choiceBackdPayagainst: Afterpay, HighRadius, Klarna, TreviPayno first choiceagainst: ClearCo
Two alternatives
Billie, Credit KeyFour alternatives
FundThrough, Playter, TreviPay, TwoThree alternatives
Credit Key, Playter, Resolve PaySeven alternatives
Adyen, Billie, Kriya, Mondu, Stripe, TreviPay, TwoKimi K2Resolve Payagainst: Hokodono first choiceChangedTreviPayResolve Payagainst: Affirm for Business, Twono first choiceagainst: Affirm for Business, Hokodo, Klarna, Sprinque
Two alternatives
Balance, TreviPayThree alternatives
Balance, Credit Key, Resolve PaySix alternatives
Billie, Capchase Pay, Credit Key, Mondu, Resolve Pay, TwoOne alternative
Credit KeyGLM 4.7 FlashXCredit Key, Resolve Payno first choiceChangedCredit Key, Resolve Payno first choiceno first choiceagainst: Affirm for Business, Afterpay, Klarna, PayPal, Reveni
Seven alternatives
Amazon Business, Billie, Capchase Pay, Kriya, Mondu, TreviPay, TwoMiniMax M2.5Resolve PayResolve PayHeldResolve PayCredit Keyno first choiceagainst: Hokodoagainst: BizPay, Hokodo
Four alternatives
Billie, Capchase Pay, Credit Key, TwoTwo alternatives
Aria, BillieFour alternatives
Billie, Fundbox, Tranch, TreviPayTwo alternatives
Mondu, Resolve PayGPT-6 LunaResolve PayResolve PayHeldno first choiceBackdPaymentsno first choiceagainst: Balance, Hokodo, Sprinque
Two alternatives
Credit Key, TreviPayTwo alternatives
Credit Key, TreviPaySix alternatives
Balance, Billd, Capchase Pay, Credit Key, Resolve Pay, TreviPayOne alternative
Amazon BusinessMuse Glimmer 30BResolve Payno first choiceChangedTreviPayCredit Keyno first choiceagainst: Hokodoagainst: Apruve, Behalf, Hokodo
Four alternatives
Capchase Pay, Credit Key, TreviPay, TwoOne alternative
Resolve's B2B Net Terms solutionThree alternatives
Credit Key, Mondu, Resolve PayOne alternative
Resolve PayBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:01 | yes | 17 | 11 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:11 | yes | 2 | 4 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:59 | yes | 5 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 10:35 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:05 | yes | 13 | 32 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:16 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:31 | yes | 23 | 29 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:02 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:16 | yes | 10 | 39 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:09 | yes | 14 | 59 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:38 | yes | 14 | 18 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:45 | yes | 5 | 21 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:30 | yes | 4 | 12 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:29 | yes | 21 | 25 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:54 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:28 | no | 0 | 3 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:34 | yes | 10 | 21 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:09 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 5 | 26 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:59 | no | 0 | 7 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:13 | yes | 25 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:41 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:14 | yes | 14 | 21 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:02 | yes | 9 | 15 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:39 | yes | 24 | 39 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:46 | yes | 10 | 26 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:57 | yes | 3 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:18 | yes | 13 | 30 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:50 | yes | 9 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:08 | yes | 6 | 10 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:58 | yes | 8 | 22 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:16 | yes | 10 | 8 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 12 | 38 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:25 | yes | 15 | 13 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:19 | yes | 25 | 34 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:31 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:03 | yes | 15 | 38 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:42 | yes | 10 | 23 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:28 | yes | 24 | 67 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:07 | yes | 25 | 33 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:01 | yes | 8 | 25 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:15 | yes | 24 | 44 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:11 | yes | 16 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:14 | yes | 3 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:30 | yes | 6 | 20 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:39 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:27 | yes | 12 | 33 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:55 | yes | 5 | 57 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:55 | yes | 23 | 19 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:55 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:57 | yes | 23 | 61 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:13 | yes | 22 | 29 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:08 | yes | 23 | 54 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:25 | yes | 18 | 68 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:52 | yes | 2 | 15 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:38 | yes | 19 | 30 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:37 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:37 | no | 0 | 5 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:01 | no | 0 | 15 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 10:34 | yes | 10 | 10 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 12 | 37 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:40 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:36 | yes | 21 | 38 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:23 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:39 | yes | 5 | 28 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:17 | yes | 9 | 44 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:32 | yes | 15 | 29 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:30 | yes | 8 | 36 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:39 | yes | 1 | 15 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:27 | yes | 13 | 26 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:34 | yes | 36 | 14 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:26 | yes | 5 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:42 | yes | 5 | 23 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:10 | yes | 10 | 6 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:15 | yes | 14 | 31 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:50 | yes | 10 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:02 | yes | 22 | 44 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:37 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:39 | no | 0 | 36 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:09 | yes | 21 | 39 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:52 | yes | 25 | 47 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:40 | yes | 24 | 47 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:14 | yes | 3 | 32 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:46 | yes | 21 | 29 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
ShowHide
Category-scoped readings
Affirm read as Affirm for Business
Affirm (via Amazon Business & others) read as Affirm for Business
Bill.com read as BILL
Capchase read as Capchase Pay
PayPal B2B Pay Later read as PayPal Pay Later
Ratio read as Ratio Boost
Resolve read as Resolve Pay
Resolve (Resolve Pay) read as Resolve Pay
Unresolved, counted raw
Affirm Holdings
Afterpay B2B
Backd
Fora Financial
Klarna Group
MODIFI
MarketFinance
Ratio Boost or Hokodo
Resolve's B2B Net Terms solution
Reveni
Tabby B2B segment
Discontinued, still offered
No shut-down product was recommended here.