B2B credit management
Asked as “B2B credit management software”, and as “customer credit risk tool”, on behalf of a mid-market B2B company. 50 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
20%
Contested · Creditsafe 16%
20HighRadius Credit Cloud16Creditsafe14Chaser50others
20% of first choices, contested.
Since October 2026↗new leaderNew leader since October 2026: HighRadius Credit Cloud (20%) replaces Chaser (16% then, 14% now), 6 points clear, inside the 10-point floor.HighRadius Credit Cloud leads at 20%, replacing Chaser, which led at 16% and stands at 14% now: 6 points clear, inside the floor, so the swap reads as unsettled.
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
Chaser33%Contested▲+6Since October 2026: 27% → 33%, +6 points. Inside the 10-point floor: within noise.Standing →Mid-market
HighRadius Credit Cloud20%Contested↗new leaderNew leader since October 2026: HighRadius Credit Cloud (20%) replaces Chaser (16% then, 14% now), 6 points clear, inside the 10-point floor.This pageEnterpriseHighRadius Credit Cloud63%Clear leader▼−10Since October 2026: 73% → 63%, −10 points. Inside the 10-point floor: within noise.Standing →
Chaser33%Contested▲+6Since October 2026: 27% → 33%, +6 points. Inside the 10-point floor: within noise.Standing →Mid-marketHighRadius Credit Cloud20%Contested↗new leaderNew leader since October 2026: HighRadius Credit Cloud (20%) replaces Chaser (16% then, 14% now), 6 points clear, inside the 10-point floor.This pageEnterpriseHighRadius Credit Cloud63%Clear leader▼−10Since October 2026: 73% → 63%, −10 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
01HighRadius Credit Cloud20%9%44accepted challenger▲+18Since October 2026: 2% → 20%, +18 points. Past the 10-point floor: movement.2% → 20%
HighRadius Credit Cloud20%9%44accepted challenger▲+18Since October 2026: 2% → 20%, +18 points. Past the 10-point floor: movement.2% → 20%02
Creditsafe16%0%24accepted challenger▲+12Since October 2026: 4% → 16%, +12 points. Past the 10-point floor: movement.4% → 16%
Creditsafe16%0%24accepted challenger▲+12Since October 2026: 4% → 16%, +12 points. Past the 10-point floor: movement.4% → 16%03Chaser14%14%22accepted challenger▼−2Since October 2026: 16% → 14%, −2 points. Inside the 10-point floor: within noise.16% → 14%
Chaser14%14%22accepted challenger▼−2Since October 2026: 16% → 14%, −2 points. Inside the 10-point floor: within noise.16% → 14%04
Credit Pulse12%0%14accepted challenger▲+10Since October 2026: 2% → 12%, +10 points. Inside the 10-point floor: within noise.2% → 12%
Credit Pulse12%0%14accepted challenger▲+10Since October 2026: 2% → 12%, +10 points. Inside the 10-point floor: within noise.2% → 12%05
Tesorio4%5%19accepted challenger▼−10Since October 2026: 14% → 4%, −10 points. Past the 10-point floor: movement.14% → 4%
Tesorio4%5%19accepted challenger▼−10Since October 2026: 14% → 4%, −10 points. Past the 10-point floor: movement.14% → 4%06
Gaviti2%0%20accepted challenger▼−10Since October 2026: 12% → 2%, −10 points. Past the 10-point floor: movement.12% → 2%
Gaviti2%0%20accepted challenger▼−10Since October 2026: 12% → 2%, −10 points. Past the 10-point floor: movement.12% → 2%07
Billtrust2%0%17accepted challenger▼−4Since October 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise.6% → 2%
Billtrust2%0%17accepted challenger▼−4Since October 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise.6% → 2%08
Upflow2%0%15accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Upflow2%0%15accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%09
Bectran2%10%10accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Bectran2%10%10accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%Show the four products at 0%, ordered by negative rate
13
Dun & Bradstreet0%27%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Dun & Bradstreet0%27%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
Esker0%17%23accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Esker0%17%23accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%12
Versapay0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Versapay0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%10
D&B Finance Analytics0%0%18accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
D&B Finance Analytics0%0%18accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 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.
Head to head
All twenty-eight head-to-head pages: the top eight products, each against each
HighRadius Credit Cloud vs TesorioHighRadius Credit Cloud vs GavitiHighRadius Credit Cloud vs BilltrustHighRadius Credit Cloud vs UpflowCreditsafe vs ChaserCreditsafe vs Credit PulseCreditsafe vs TesorioCreditsafe vs GavitiCreditsafe vs BilltrustCreditsafe vs UpflowChaser vs Credit PulseChaser vs TesorioChaser vs GavitiChaser vs BilltrustChaser vs UpflowCredit Pulse vs TesorioCredit Pulse vs GavitiCredit Pulse vs BilltrustCredit Pulse vs UpflowTesorio vs GavitiTesorio vs BilltrustTesorio vs UpflowGaviti vs BilltrustGaviti vs UpflowBilltrust vs Upflow
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 →
01020304050607080910111213Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01HighRadius Credit Cloud20%
HighRadius Credit Cloud20%02Creditsafe16%
Creditsafe16%03Chaser14%
Chaser14%04Credit Pulse12%
Credit Pulse12%05Tesorio4%
Tesorio4%06Gaviti2%
Gaviti2%07Billtrust2%
Billtrust2%08Upflow2%
Upflow2%09Bectran2%
Bectran2%10D&B Finance Analytics0%
D&B Finance Analytics0%11Esker0%
Esker0%12Versapay0%
Versapay0%13Dun & Bradstreet0%
Dun & Bradstreet0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, GPT-6 Luna 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.
Esker17%
4 of 23 labels negative · 4 of 14 models
“Enterprise suites like HighRadius, Esker, or Quadient cost tens of thousands of dollars annually, making them impractical for smaller budgets.” Gemini 3.5 Flash, budget prompt
HighRadius Credit Cloud9%
4 of 44 labels negative · 4 of 14 models
“Enterprise suites like HighRadius, Esker, or Quadient cost tens of thousands of dollars annually, making them impractical for smaller budgets.” Gemini 3.5 Flash, budget prompt
Affirm100%
3 of 3 labels negative · 3 of 14 models
“Apps like Afterpay, Affirm, and PayPal Credit are convenient, but they function differently than standard credit cards.” Qwen 3.7 Flash, negative prompt
Afterpay
100%
3 of 3 labels negative · 3 of 14 models
“BNPL options like Afterpay, Affirm, and PayPal Credit can be convenient, they are essentially short-term loans. It's easy to overextend your finances” Mistral Small, 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
72 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. 844 links across 198 sites, every framing counted. Ranked by the number of answers carrying the site or page. 27 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.
32 answers · 40 citations · 11 models
vendor site · Sourceforge30 answers · 57 citations · 10 models
vendor site · HighRadius28 answers · 75 citations · 12 models
vendor site · Credit Pulse28 answers · 45 citations · 12 models
vendor site · Tesorio24 answers · 24 citations · 11 models
vendor site · Esker22 answers · 35 citations · 10 models
vendor site · G221 answers · 31 citations · 8 models
vendor site · Guideflow19 answers · 20 citations · 7 models
16 answers · 27 citations · 9 models
vendor site · Resolve Pay15 answers · 16 citations · 9 models
vendor site · Paraglide13 answers · 18 citations · 6 models
vendor site · Rex11 answers · 11 citations · 5 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.
32 answers · 11 models
24 answers · 11 models
22 answers · 12 models
13 answers · 7 models
13 answers · 9 models
11 answers · 6 models
11 answers · 8 models
11 answers · 5 models
10 answers · 7 models
10 answers · 6 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 credit management software”, “best b2b credit management software”, “credit management tools”. 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 |
|---|---|---|---|---|---|---|---|---|
| HighRadius highradius.com HighRadius Credit Cloud 20%, HighRadius Credit Management Software 2% | 22% | 114 | 6,600 | 118 | 294,561 company | $2,272 | 120 | 1 |
| Creditsafe creditsafe.com | 16% | 65 | 4,400 | 70 | 59,141 | 21 | ||
| Chaser chaserhq.com | 14% | 178 | 6,120,000 | 13,683 | 11,066 | 0 | ||
| Credit Pulse creditpulse.com | 12% | 35 | 210 | 30 | 6,899 | 0 | 5 | |
| Paidnice paidnice.com | 6% | 103 | 110 | 2 | 16,387 | 7 | ||
| Satago satago.com | 6% | 26 | 50 | 2 | 154 | |||
| Tesorio tesorio.com | 4% | 155 | 880 | 8 | 1,079 | 13 | 7 | |
| Gaviti gaviti.com | 2% | 104 | 320 | 4 | 6,043 | 0 | ||
| Billtrust billtrust.com | 2% | 362 | 6,600 | 159 | 50,343 | $718 | 15 | 7 |
| Upflow upflow.io | 2% | 213 | 880 | 102 | 25,361 |
Google's top ten for the three searches hold 19 sites; 6 of them are among the sites the models cited here (creditpulse.com, esker.com, highradius.com, paraglide.ai, resolvepay.com, tesorio.com). The first result for “b2b credit management software” is highradius.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 credit management software for a mid-market B2B company?”Paraphrase“Which customer credit risk tool would you recommend to a mid-sized B2B company?”Comparative“What are the top credit management tools and how do they differ?”Budget-constrained“What is the best B2B credit management software for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a B2B credit management software. What should we look at?”Negative“Which credit management tools should I avoid or be cautious about?”
Claude Haiku 4.5Gavitino first choiceChangedHighRadius Credit CloudChaserno first choicenothing named
Four alternatives
Billtrust, HighRadius Credit Cloud, Nuvo, TesorioFour alternatives
CGI Credit Studio, Chaser, Esker, GavitiThree alternatives
D&B Credit Insights, My DSO Manager, UpflowGPT-5.4 miniTesorio, UpflowCreditsafeChangedHighRadius Credit CloudChaseragainst: BILLno first choicenothing named
Four alternatives
Billtrust, Creditsafe, D&B Finance Analytics, HighRadius Credit CloudTwo alternatives
D&B Finance Analytics, NuvoEight alternatives
Billtrust, Creditsafe, D&B Finance Analytics, Gaviti, Kolleno, Quadient AR, Tesorio, UpflowTwo alternatives
Creditsafe, UpflowGemini 3.5 FlashQuadient ARCreditsafeChangedHighRadius Credit CloudNetNowagainst: Esker, HighRadius Credit Cloud, Quadient ARno first choiceagainst: Chase Credit Journey, Credit Karma, Experian Boost, Horizon Gold, Unique Card Services
Five alternatives
Gaviti, HighRadius Credit Cloud, Resolve Pay, Tesorio, VersapayThree alternatives
Dun & Bradstreet, HighRadius Credit Cloud, Quadient ARThree alternatives
Billtrust, Dun & Bradstreet, Quadient ARFour alternatives
Chaser, Gaviti, Resolve Pay, UpflowPerplexity SonarHighRadius Credit CloudHighRadius Credit CloudHeldHighRadius Credit CloudChaseragainst: Bectran, Esker, HighRadius Credit Cloudno first choicenothing named
Two alternatives
Credit Pulse, GavitiTwo alternatives
Creditsafe, GavitiSix alternatives
Billtrust, Chaser, Esker, Gaviti, Serrala, UpflowThree alternatives
Creditsafe, Paidnice, SatagoGrok 4.20Billtrust, Creditsafeagainst: EskerCreditsafeChangedD&B Finance AnalyticsPaidniceagainst: Chaserno first choiceagainst: Credit Karma, Credit Sesame
Two alternatives
D&B Finance Analytics, HighRadius Credit CloudTwo alternatives
D&B Finance Analytics, HighRadius Credit CloudFive alternatives
Capitalise, Chaser, Esker, Kolleno, PaidniceOne alternative
InvoicedMistral SmallCredit PulseHighRadius Credit CloudChangedno first choiceChaserno first choiceagainst: Affirm, Afterpay, PayPal Credit
Seven alternatives
Bectran, Chaser, Esker, Gaviti, Resolve Pay, Tesorio, UpflowThree alternatives
Dun & Bradstreet, Gaviti, Resolve PayTwo alternatives
Credit Pulse, TesorioDeepSeek V4 FlashCredit PulseHighRadius Credit CloudChangedEsker, HighRadius Credit CloudChaseragainst: HighRadius Credit Cloud, Tesoriono first choiceagainst: Affirm, Afterpay, Klarna, PayPal Pay in 4
Three alternatives
D&B Finance Analytics, Esker, HighRadius Credit CloudThree alternatives
D&B Finance Analytics, Gaviti, TesorioSeven alternatives
Bectran, Billtrust, Credit Pulse, Creditsafe, D&B Finance Analytics, Paraglide, VersapayTwo alternatives
Creditsafe, UpflowLlama 4 Maverickno first choiceno first choiceHeldno first choiceChaserno first choicenothing named
Nine alternatives
Bectran, Credit Pulse, Creditsafe, D&B Finance Analytics, Esker, Gaviti, HighRadius Credit Cloud, Rex, TesorioThree alternatives
Kolleno, Paidnice, TesorioQwen 3.7 FlashCredit PulseHighRadius Credit CloudChangedagainst: Dun & Bradstreetno first choiceGetPaid.ioCreditsafe, HighRadius Credit Cloud, Quotewordagainst: NetSuite OneWorld extensions, Oracle ERPs, SAP Credit Managementagainst: Affirm, Afterpay, IdentityForce, LifeLock, PayPal Credit
Two alternatives
Billtrust, UpflowTwo alternatives
Creditsafe, VenddoFive alternatives
Bill.com, Creditsafe, QuickBooks Online, Xero, ZiffiiKimi K2HighRadius Credit CloudCreditsafeChangedagainst: D&B Finance Analytics Credit Intelligence, Dun & BradstreetHighRadius Credit CloudSatagoagainst: Chaser, Esker, HighRadius Credit Cloudno first choicenothing named
Five alternatives
Chaser, Credit Pulse, Gaviti, Paidnice, UpflowThree alternatives
CreditRiskMonitor, HighRadius Credit Cloud, TesorioFour alternatives
Billtrust, Esker, Onguard, Sidetrade Credit Risk ExpertTwo alternatives
D&B Credit Insights, PaidniceGLM 4.7 FlashXCredit PulseHighRadius Credit Management SoftwareChangedCredit Pulse, Serrala Credit & Risk ManagementChaserCredit Pulse, Emagia, HighRadius Credit Cloudnothing named
Four alternatives
Chaser, HighRadius Credit Cloud, Paraglide, UpflowTwo alternatives
D&B Finance Analytics, LeanPayThree alternatives
D&B Finance Analytics, FICO Platform, Paraglide AITwo alternatives
D&B Credit Insights, My DSO ManagerMiniMax M2.5HighRadius Credit CloudHighRadius Credit CloudHeldno first choicePaidnice, Satagoagainst: Chaserno first choicenothing named
Three alternatives
Credit Pulse, Gaviti, TesorioTwo alternatives
D&B Finance Analytics, EskerFive alternatives
Aura, Capital One CreditWise, Credit Karma, Experian IdentityWorks, myFICOTwo alternatives
QuickBooks Online, XeroGPT-6 LunaBectranCreditsafeChangedBectranagainst: VersapayCredit App Express Essentialsno first choicenothing named
Three alternatives
Esker, Gaviti, TesorioOne alternative
Dun & Bradstreet Finance Analytics Credit IntelligenceThree alternatives
CreditRiskMonitor, Creditsafe, HighRadius Credit CloudThree alternatives
Bectran SMB, Experian Business Credit Reports, GavitiFive alternatives
Billtrust, Esker, HighRadius Credit Cloud, Microsoft Dynamics 365, Moody'sMuse Glimmer 30BCredit Pulse, TesorioCreditsafeChangedagainst: Dun & BradstreetHighRadius Credit CloudPaidnice, Satagono first choiceagainst: Cleo, Snap Finance
One alternative
GavitiTwo alternatives
Gaviti, HighRadius Credit CloudEight alternatives
Bectran, Creditsafe, D&B Finance Analytics, Emagia, Esker, Onguard, Rex, VersapayThree alternatives
Chaser, Credit-IQ, DebtorcareBold 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 11:25 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:53 | yes | 3 | 6 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 09:57 | yes | 15 | 26 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:06 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 14 | 33 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:17 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:37 | yes | 21 | 36 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:17 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:48 | yes | 10 | 33 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:57 | yes | 18 | 48 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:48 | yes | 23 | 32 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:00 | yes | 10 | 38 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:32 | yes | 4 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:28 | yes | 12 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:19 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:47 | yes | 4 | 4 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 10:00 | no | 0 | 11 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 08:47 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 10 | 31 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:09 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:36 | yes | 23 | 22 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:04 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:57 | no | 0 | 34 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:04 | yes | 15 | 21 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:42 | yes | 22 | 140 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:37 | yes | 23 | 115 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:41 | yes | 2 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:50 | yes | 22 | 25 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:22 | yes | 9 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:49 | yes | 3 | 6 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 10:53 | no | 0 | 14 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 11:31 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 10 | 36 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:14 | yes | 5 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:38 | yes | 24 | 36 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:09 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:43 | yes | 5 | 22 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:21 | yes | 19 | 31 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:40 | yes | 25 | 48 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:04 | yes | 5 | 39 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:16 | yes | 5 | 14 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:50 | yes | 12 | 23 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:25 | yes | 10 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:00 | yes | 4 | 4 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 11:12 | yes | 7 | 18 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 12:45 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:28 | yes | 24 | 27 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:51 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:12 | yes | 23 | 25 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:56 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:07 | no | 0 | 28 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:48 | yes | 18 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:58 | yes | 21 | 30 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:59 | yes | 23 | 52 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:08 | yes | 3 | 16 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:52 | yes | 12 | 16 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:19 | yes | 9 | 9 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:13 | no | 0 | 7 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 12:41 | no | 0 | 20 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:31 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:04 | yes | 14 | 42 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:02 | no | 0 | 11 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:46 | yes | 18 | 19 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:03 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:50 | no | 0 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:44 | yes | 10 | 24 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:03 | yes | 15 | 25 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:35 | no | 0 | 11 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:54 | yes | 3 | 14 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:42 | yes | 15 | 28 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:57 | yes | 9 | 7 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:56 | yes | 5 | 4 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 08:54 | no | 0 | 18 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:37 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 5 | 30 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:34 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:52 | yes | 24 | 24 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:36 | yes | 10 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:57 | yes | 10 | 53 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:16 | yes | 20 | 52 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:04 | yes | 24 | 67 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:24 | no | 0 | 10 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:32 | yes | 7 | 11 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:38 | yes | 13 | 19 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
CreditPulse read as Credit Pulse
Experian read as Experian Business Credit Reports
HighRadius read as HighRadius Credit Cloud
HighRadius (RadiusOne) read as HighRadius Credit Cloud
Highradius read as HighRadius Credit Cloud
Quadient read as Quadient AR
Quadient (YayPay) read as Quadient AR
Quadient (formerly YayPay) read as Quadient AR
Quadient Accounts Receivable read as Quadient AR
QuickBooks read as QuickBooks Online
Resolve (Resolve Pay) read as Resolve Pay
SAP read as SAP Credit Management
Sidetrade read as Sidetrade Credit Risk Expert
Sidetrade (Augmented Cash) read as Sidetrade Credit Risk Expert
Unresolved, counted raw
Axe Finance
Bectran SMB
CIBIL
Capital One CreditWise
Chase Credit Journey
ClearStar
Cleo
Company Watch
Credible Labs
Credit Benchmark
Dun & Bradstreet Finance Analytics Credit Intelligence
Experian Boost
Experian CreditWorks
Experian IdentityWorks
Experian's small business portal
FICO Platform
GetPaid.io
HighRadius Credit Management Software
Horizon Gold
IdentityForce
Jesús
Lendio
LifeLock
Moonflow
NetSuite OneWorld extensions
Oracle ERPs
Paraglide AI
PayPal Pay in 4
Quoteword
Salesforce Credit Manager
Serrala Credit & Risk Management
TrueAccord
Unique Card Services
Venddo
Ziffii
Discontinued, still offered
No shut-down product was recommended here.