Index › Finance › Receivables and billing › B2B credit management › Enterprise · November 2026 Edition
B2B credit management for enterprise buyers
Asked as “B2B credit management software”, and as “customer credit risk tool”, on behalf of an enterprise B2B company. 46 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
63%
Clear leader
63HighRadius Credit Cloud07Credit Pulse04Bectran26others
63% of first choices, clear leader.
Since October 2026▼−10Since October 2026: 73% → 63%, −10 points. Inside the 10-point floor: within noise.HighRadius Credit Cloud held the lead, −10 points on 73%, 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
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.Standing →EnterpriseHighRadius Credit Cloud63%Clear leader▼−10Since October 2026: 73% → 63%, −10 points. Inside the 10-point floor: within noise.This page
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.Standing →EnterpriseHighRadius Credit Cloud63%Clear leader▼−10Since October 2026: 73% → 63%, −10 points. Inside the 10-point floor: within noise.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01HighRadius Credit Cloud63%8%62endorsed leader▼−10Since October 2026: 73% → 63%, −10 points. Inside the 10-point floor: within noise.73% → 63%
HighRadius Credit Cloud63%8%62endorsed leader▼−10Since October 2026: 73% → 63%, −10 points. Inside the 10-point floor: within noise.73% → 63%02
Credit Pulse7%0%16accepted challenger▲+3Since October 2026: 4% → 7%, +3 points. Inside the 10-point floor: within noise.4% → 7%
Credit Pulse7%0%16accepted challenger▲+3Since October 2026: 4% → 7%, +3 points. Inside the 10-point floor: within noise.4% → 7%03
Esker4%2%41accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise.2% → 4%
Esker4%2%41accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise.2% → 4%04
Bectran4%6%18accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise.4% → 4%
Bectran4%6%18accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise.4% → 4%05
Tesorio4%0%12accepted challenger▲+4Since October 2026: 0% → 4%, +4 points. Inside the 10-point floor: within noise.0% → 4%
Tesorio4%0%12accepted challenger▲+4Since October 2026: 0% → 4%, +4 points. Inside the 10-point floor: within noise.0% → 4%06
Billtrust2%3%34accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Billtrust2%3%34accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%07
Dun & Bradstreet2%18%11accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Dun & Bradstreet2%18%11accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%Show the four products at 0%, ordered by negative rate
11Sidetrade Credit Risk Expert0%8%12accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
10
Serrala0%6%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Serrala0%6%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Creditsafe0%4%25accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Creditsafe0%4%25accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09
D&B Finance Analytics0%0%18accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
D&B Finance Analytics0%0%18accepted 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.
Head to head
HighRadius Credit Cloud vs CreditsafeHighRadius Credit Cloud vs ChaserHighRadius Credit Cloud vs Credit Pulse
Head-to-head pages are published for mid-market buyers, so these open on mid-market figures, not enterprise.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
One product takes 63% of first choices here, so the chart would put ten markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. Zero products carry a negative rate above 25% in this category.
What they warned about
Five of fourteen models held their first choice under the paraphrase. GPT-5.4 mini, Gemini 3.5 Flash, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 and GPT-6 Luna 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.
HighRadius Credit Cloud8%
5 of 62 labels negative · 5 of 14 models · 1 hard negative
“Avoid HighRadius unless you're willing to negotiate a fixed annual subscription” DeepSeek V4 Flash, budget prompt
Excel
100%
3 of 3 labels negative · 3 of 14 models · 3 hard negative
“Manual or Spreadsheet-Based Systems (e.g., Excel, Basic Custom Scripts) - Why avoid or be cautious: These don't scale for high-volume portfolios” Grok 4.20, negative prompt
Chaser50%
2 of 4 labels negative · 2 of 14 models · 1 hard negative
“large enterprises should be cautious about deploying SMB credit-control/chasing apps for enterprise credit risk decisions” Muse Glimmer 30B, negative prompt
Kolleno40%
2 of 5 labels negative · 2 of 14 models · 1 hard negative
“Per-User/Seat-Based Pricing Models (e.g., Kolleno) ... can become exponentially expensive as your enterprise scales” 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
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. 913 links across 178 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.
vendor site · HighRadius52 answers · 132 citations · 14 models
vendor site · Credit Pulse38 answers · 57 citations · 12 models
vendor site · Esker33 answers · 61 citations · 11 models
vendor site · Guideflow26 answers · 30 citations · 11 models
25 answers · 26 citations · 9 models
vendor site · Sourceforge24 answers · 37 citations · 9 models
vendor site · G223 answers · 28 citations · 8 models
vendor site · Tesorio19 answers · 20 citations · 9 models
18 answers · 21 citations · 9 models
vendor site · Emagia17 answers · 34 citations · 9 models
vendor site · Billtrust17 answers · 17 citations · 8 models
vendor site · Kolleno16 answers · 19 citations · 10 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.
25 answers · 10 models
21 answers · 10 models
19 answers · 8 models
18 answers · 10 models
17 answers · 10 models
17 answers · 9 models
17 answers · 7 models
13 answers · 5 models
13 answers · 9 models
13 answers · 8 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 63%, HighRadius Credit Risk Management 4%, HighRadius Autonomous Receivables 2% | 70% | 114 | 6,600 | 118 | 294,561 company | $2,272 | 120 | 1 |
| Credit Pulse creditpulse.com | 7% | 35 | 210 | 30 | 6,899 | 0 | 5 | |
| Esker esker.com | 4% | 236 | 12,100 | 383 | 12,337 | 5 | 2 | |
| Bectran bectran.com | 4% | 35 | 1,900 | 28 | 3,662 | 16 | ||
| Tesorio tesorio.com | 4% | 155 | 880 | 8 | 1,079 | 13 | 7 | |
| Billtrust billtrust.com | 2% | 362 | 6,600 | 159 | 50,343 | $718 | 15 | 7 |
| D&B Finance Analytics Credit Intelligence | 2% | |||||||
| Dun & Bradstreet dnb.com Dun & Bradstreet 2%, D&B Finance Analytics 0% | 2% | 45 | 1,086 | 1,974,778 | $1,218 | 22 | ||
| HighRadius Credit & Collections | 2% | |||||||
| Moody’s CreditLens moodys.com | 2% | 1 |
Google's top ten for the three searches hold 19 sites; 7 of them are among the sites the models cited here (billtrust.com, creditpulse.com, emagia.com, esker.com, highradius.com, kolleno.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 an enterprise B2B company?”Paraphrase“Which customer credit risk tool would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade credit management tools and how do they differ?”Budget-constrained“What is the best B2B credit management software for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a B2B credit management software. What should we look at?”Negative“Which credit management tools should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5HighRadius Credit CloudHighRadius Credit CloudHeldHighRadius Credit CloudHighRadius Credit Cloudno first choicenothing named
One alternative
Quadient ARThree alternatives
Esker, Kolleno, Sidetrade Credit Risk ExpertSix alternatives
Billtrust, CGI Credit Studio, Esker, Onguard, Quadient AR, Sidetrade Credit Risk ExpertOne alternative
BectranGPT-5.4 miniTesorioD&B Finance Analytics Credit IntelligenceChangedno first choiceBilltrust, HighRadius Credit Cloudno first choicenothing named
Six alternatives
Billtrust, Creditsafe, D&B Finance Analytics Credit Intelligence, HighRadius Credit Cloud, Oracle Fusion Cloud Credit Management, SAP Credit ManagementThree alternatives
Billtrust, Creditsafe, HighRadius Credit CloudNine alternatives
Bectran, Billtrust, Creditsafe, Dun & Bradstreet, HighRadius Credit Cloud, Moody's, Oracle Fusion Cloud Credit Management, SAP Credit Management, TesorioOne alternative
SCREDITGemini 3.5 FlashHighRadius Credit CloudHighRadius Credit Risk ManagementChangedHighRadius Credit CloudEsker, HighRadius Credit Cloudno first choicenothing named
Four alternatives
Bectran, Emagia, Esker, SerralaThree alternatives
D&B Finance Analytics, FIS GETPAID, SerralaFive alternatives
Bectran, Billtrust, Dun & Bradstreet, Esker, SerralaTwo alternatives
Bectran, D&B Finance AnalyticsPerplexity SonarHighRadius Credit CloudHighRadius Credit CloudHeldHighRadius Credit CloudHighRadius Credit Cloudno first choiceagainst: Bectran, BlackLine, Chaser, Creditsafe, Dun & Bradstreet, Esker, Experian Business Credit Reports, HighRadius Credit Cloud, NetNow, Nuvo, Paidnice, Satago, Serrala
Four alternatives
Bectran, Credit Pulse, Esker, RexOne alternative
EskerEight alternatives
Bectran, Billtrust, Creditsafe, D&B Finance Analytics, Esker, Onguard, Serrala, Sidetrade Credit Risk ExpertTwo alternatives
Credit Pulse, EskerGrok 4.20HighRadius Credit CloudHighRadius Credit CloudHeldBilltrust, HighRadius Credit Cloud, TesorioTesoriono first choiceagainst: Billtrust, Excel, Gaviti, Quadient AR, Sidetrade Credit Risk Expert
Four alternatives
Billtrust, Creditsafe, D&B Finance Analytics, EskerThree alternatives
Creditsafe, Dun & Bradstreet (D&B) Finance Analytics / Credit Intelligence, EskerFour alternatives
Dun & Bradstreet, FICO, Moody's, SAP Credit ManagementTwo alternatives
Billtrust, HighRadius Credit CloudMistral SmallHighRadius Credit CloudHighRadius Credit Risk ManagementChangedBilltrust, HighRadius Accounts Receivable (AR) Suite, TesorioHighRadius Credit Cloudno first choiceagainst: HighRadius Credit Cloud, Kolleno, SAP Credit Management
Four alternatives
Bectran, Creditsafe, D&B Finance Analytics, EskerOne alternative
Resolve PayTwo alternatives
GUARDEAN RiskSuite, SerralaTwo alternatives
Billtrust, EskerDeepSeek V4 FlashHighRadius Credit CloudHighRadius Credit CloudHeldHighRadius Credit CloudBectran, Credit Pulseagainst: HighRadius Credit Cloudno first choiceagainst: Excel, Google Sheets, Salesforce
Four alternatives
Bectran, D&B Finance Analytics, Esker, SerralaOne alternative
D&B Finance AnalyticsFive alternatives
Bectran, Credit Pulse, D&B Finance Analytics, Esker, SerralaLlama 4 MaverickCredit Pulse, HighRadius Credit CloudHighRadius Credit CloudChangedno first choiceHighRadius Credit Cloudno first choiceagainst: HighRadius Credit Cloud, Kolleno
One alternative
TesorioTwo alternatives
BrAIvix, Resolve PaySix alternatives
Billtrust, Credit Pulse, Esker, Hanegraaf Credit Suite, Payt Software, UpflowQwen 3.7 FlashHighRadius Credit CloudDun & BradstreetChangedHighRadius Credit CloudHighRadius Credit Cloudno first choiceagainst: Dun & Bradstreet, Equifax
Four alternatives
Billtrust, Creditsafe, D&B Finance Analytics, EskerThree alternatives
Creditsafe, Experian Business Trade Services, HighRadius Credit CloudFive alternatives
Billtrust, D&B Finance Analytics, Esker, Moody’s Analytics, SAP Credit ManagementTwo alternatives
Billtrust, Credit PulseKimi K2HighRadius Credit CloudHighRadius Autonomous ReceivablesChangedBilltrust, HighRadius Credit CloudHighRadius Credit Cloudno first choiceagainst: Excel, SAP Concur
Two alternatives
Billtrust, EskerTwo alternatives
Oracle Risk Management Cloud, SAP Credit ManagementThree alternatives
Creditsafe, D&B Finance Analytics, TesorioTwo alternatives
Billtrust, Serrala FS² CreditGLM 4.7 FlashXEsker, HighRadius Credit CloudHighRadius Credit CloudChangedHighRadius Credit CloudHighRadius Credit Cloudno first choicenothing named
Eight alternatives
Bectran, Corcentric, Credit Pulse, Creditsafe, D&B Finance Analytics, Resolve Pay, Rex, SerralaThree alternatives
BlackLine, Creditsafe, EskerFour alternatives
Billtrust, Creditsafe, D&B Finance Analytics, TesorioTwo alternatives
Esker, GavitiMiniMax M2.5HighRadius Credit CloudMoody’s CreditLensChangedHighRadius Credit Cloudno first choiceno first choicenothing named
Four alternatives
BlackLine, Credit Pulse, Emagia, OnguardOne alternative
HighRadius Credit CloudFive alternatives
Billtrust, Esker, FIS GETPAID, Serrala, VersapayGPT-6 LunaHighRadius Credit CloudHighRadius Credit & CollectionsChangedSAP S/4HANA Credit ManagementBectranno first choicenothing named
Three alternatives
Bectran, Esker, Sidetrade Credit Risk ExpertThree alternatives
D&B Finance Analytics, S&P Global RiskGauge Desktop, SAP Credit ManagementSix alternatives
Billtrust Credit, Esker, HighRadius Credit Cloud, Microsoft Dynamics 365 Finance Credit Management, Oracle Fusion Cloud Credit Management, Sidetrade Credit Risk ExpertTwo alternatives
CreditRiskMonitor, HighRadius Credit CloudMuse Glimmer 30BHighRadius Credit CloudHighRadius Credit CloudHeldHighRadius Credit & ReceivablesCredit Pulseagainst: HighRadius Credit Cloudno first choiceagainst: Access Collect, Chaser, Credit Hound, Paidnice, Satago
Three alternatives
Billtrust, Esker, TesorioFour alternatives
Coface, Creditsafe, D&B Finance Analytics Credit Intelligence, EskerNine alternatives
Billtrust, Creditsafe, Emagia, Esker, Onguard, Oracle Fusion Cloud Credit Management, SAP Credit Management, Serrala, TesorioBold 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 08:45 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:59 | yes | 3 | 5 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 11:00 | yes | 9 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:55 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 10 | 31 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:46 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:58 | yes | 23 | 24 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:38 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:37 | yes | 5 | 21 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:56 | yes | 10 | 32 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:22 | yes | 25 | 43 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:24 | yes | 5 | 27 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:19 | yes | 4 | 13 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:48 | yes | 22 | 28 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:03 | yes | 18 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:50 | yes | 2 | 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 09:26 | yes | 7 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 08:39 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:07 | yes | 8 | 25 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:11 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:49 | yes | 21 | 19 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:17 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:07 | no | 0 | 26 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:47 | yes | 15 | 21 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:51 | yes | 10 | 34 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:10 | yes | 5 | 93 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:41 | yes | 4 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:42 | yes | 14 | 17 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:26 | yes | 9 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:25 | yes | 5 | 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 11:26 | yes | 14 | 29 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 08:47 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 9 | 35 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:41 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:26 | yes | 21 | 38 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:21 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:34 | yes | 9 | 41 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:43 | yes | 14 | 28 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:19 | yes | 25 | 84 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:20 | yes | 9 | 31 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:02 | yes | 7 | 21 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:11 | yes | 14 | 19 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:06 | yes | 18 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:32 | yes | 3 | 5 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 12:29 | yes | 8 | 21 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 08:50 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 25 | 34 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:13 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:59 | yes | 24 | 24 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 12:50 | yes | 10 | 39 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:19 | yes | 25 | 52 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:55 | yes | 24 | 70 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:09 | yes | 25 | 54 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:08 | yes | 3 | 20 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:29 | yes | 24 | 28 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:56 | yes | 18 | 14 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:21 | yes | 0 | 6 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 10:51 | no | 0 | 21 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 11:37 | yes | 10 | 10 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 10 | 42 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:12 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:54 | yes | 23 | 41 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:10 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:09 | no | 0 | 28 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:09 | yes | 15 | 21 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:58 | yes | 20 | 193 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:33 | no | 0 | 31 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:38 | yes | 3 | 22 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:54 | yes | 21 | 36 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:30 | yes | 18 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:28 | yes | 5 | 6 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 10:58 | no | 0 | 17 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:29 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 15 | 34 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:50 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:15 | yes | 25 | 31 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:25 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:03 | no | 0 | 28 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:44 | yes | 24 | 26 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:51 | yes | 14 | 51 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:59 | yes | 8 | 39 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:20 | yes | 4 | 17 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:50 | yes | 21 | 28 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
Experian read as Experian Business Credit Reports
Experian Business read as Experian Business Credit Reports
HighRadius read as HighRadius Credit Cloud
HighRadius (Autonomous Credit & Collections) read as HighRadius Credit Cloud
HighRadius (Autonomous Credit) read as HighRadius Credit Cloud
HighRadius Accounts Receivables (Autonomous Receivables Platform) read as HighRadius Credit Cloud
Moody's Analytics (CreditLens, RiskCalc, CreditEdge Platform) read as Moody's
Quadient read as Quadient AR
Quadient Accounts Receivable read as Quadient AR
Resolve read as Resolve Pay
Sidetrade read as Sidetrade Credit Risk Expert
Unresolved, counted raw
Access Collect
Billtrust Credit
BrAIvix
BrAIvix FinanceAI
Dun & Bradstreet (D&B) Finance Analytics / Credit Intelligence
Emagia Credit Automation
Esker or Quadient Accounts Receivable
Experian Business Trade Services
Hanegraaf Credit Suite
HighRadius Accounts Receivable (AR) Suite
HighRadius Autonomous Receivables
HighRadius Credit & Collections
HighRadius Credit & Receivables
Microsoft Dynamics 365 Finance Credit Management
Moody's CreditView
Moody’s Analytics
Oracle Risk Management Cloud
Payt Software
S&P Global RiskGauge Desktop
SAP S/4HANA Credit Management
Serrala FS² Credit
Sidetrade or Versapay
Suntell
Tornosio
bSure (Vertex)
Discontinued, still offered
No shut-down product was recommended here.