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B2B BNPL and net terms · November 2026 Edition

Resolve Pay vs Credit Key

Ten of fourteen models named Resolve Pay first on the direct prompt; three named Credit Key. Resolve Pay was named by fourteen of the fourteen models and Credit Key by thirteen and Resolve Pay carries 50 labels and Credit Key 36, so the shares are not directly comparable.

Resolve Pay

endorsed leader

Named in five categories this edition.

Credit Key

accepted challenger

Named in one category this edition.

First-choice share51%23%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate2%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#2A position in a field of 12; printed, not drawn.
Labels5036A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Resolve Pay reading right to left. Rank and label count are printed, not drawn.Resolve Pay vs Mondu · Resolve Pay vs Two · Resolve Pay vs TreviPay

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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the B2B BNPL and net terms page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
Resolve PayFirst choices, of fourteen modelsCredit Key
Direct103
Paraphrase50
Comparative81
Budget-constrained35
Scale-constrained00
Negative101 against Resolve Pay
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the November 2026 Edition, Resolve Pay and Credit Key were named in the same answer eighty-seven times, of the 181 answers naming Resolve Pay and the 99 naming Credit Key. In those answers Credit Key took the first choice twenty times and Resolve Pay thirty.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Resolve Pay and Credit Key stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.20
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B
Resolve Pay Credit Key first choice named as an alternative argued againstblank: not namedEach cell is one answer, Resolve Pay on the left and Credit Key on the right.

The direct prompt

The plain question, one answer per model, grouped by where Resolve Pay and Credit Key stood in it.

Both were the first choice

1 of 14 modelsThe answer named them together, and the judge labeled each a first choice.
GLM 4.7 FlashXCredit Key, Resolve Pay

Resolve Pay first, Credit Key an alternative

9 of 14 modelsCredit Key was named in the answer but not as the choice, or not at all.
Claude Haiku 4.5Resolve Pay alternatives: Billie, Mondu, TreviPay
Gemini 3.5 FlashResolve Pay alternatives: Balance, Billie, Capchase Pay, TreviPay, Vartana
Perplexity SonarResolve Pay alternatives: Capchase Pay, Credit Key, Mondu, TreviPay, Two
DeepSeek V4 FlashResolve Pay alternatives: Credit Key
Llama 4 MaverickResolve Pay alternatives: Billie, Credit Key, Mondu
Kimi K2Resolve Pay alternatives: Balance, TreviPay
MiniMax M2.5Resolve Pay alternatives: Billie, Capchase Pay, Credit Key, Two
GPT-6 LunaResolve Pay alternatives: Credit Key, TreviPay
Muse Glimmer 30BResolve Pay alternatives: Capchase Pay, Credit Key, TreviPay, Two

Credit Key first, Resolve Pay an alternative

2 of 14 modelsResolve Pay was named in the answer but not as the choice, or not at all.
GPT-5.4 miniCredit Key alternatives: BILL
Mistral SmallCredit Key alternatives: Capchase Pay, Resolve Pay, Two, Unzer

Neither was the first choice, one was named

2 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Grok 4.20TreviPay alternatives: Balance, Billie, Capchase Pay, Mondu, Resolve Pay
Qwen 3.7 FlashMondu, Two alternatives: Billie, Credit Key

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Level: the same share of first choices.
Resolve Pay34%#1 of 12
Credit Key34%#2 of 12
The full small business standing →
Mid-marketThe figures above
Resolve Pay leads by twenty-nine points.
Resolve Pay51%#1 of 12
Credit Key23%#2 of 12
The full mid-market standing →
Enterprise
Resolve Pay leads by thirteen points.
Resolve Pay13%#3 of 12
Credit Key0%#7 of 12
The full enterprise standing →

What the models said about Resolve Pay

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.

“Caution level: Medium-High ... found zero verified reviews and undocumented credit-limit/auto-hold features” DeepSeek V4 Flash · negative prompt · soft negative
“Best For: US-based wholesalers, manufacturers, and distributors looking for non-recourse net terms and automated Accounts Receivable (AR) management.” Gemini 3.5 Flash · comparative prompt · first choice
“many mid-market product businesses in the U.S. are landing on Resolve for embedded net terms and upfront cash flow” Muse Glimmer 30B · direct prompt · first choice
“Resolve - Focus: Full net terms lifecycle management, non-recourse financing, AI-powered credit decisions.” Mistral Small · comparative prompt · first choice

What the models said about Credit Key

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.

“Credit Key is the top pick due to its flexibility, strong credit limits, and broad applicability across B2B sales channels” Mistral Small · direct prompt · first choice
“Credit Key and Resolve are the top US‑based, general B2B options, offering non‑recourse net terms and cash advances” GLM 4.7 FlashX · comparative prompt · first choice
“the best fit is usually Credit Key if your goal is to offer true B2B buy now, pay later” GPT-5.4 mini · direct prompt · first choice
Also compared

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.