September 2026 Edition, published · The permanent record of that edition, superseded since. The current standing is on the category page →
Index › Finance › Receivables and billing › B2B payment acceptance · September 2026 Edition

B2B payment acceptance

Asked as “B2B payment acceptance platform”, and as “accounts receivable payment portal”, on behalf of a mid-market B2B company. 46 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
17%
Contested · Versapay 17%
17Helcim17Versapay15EBizCharge50others

17% of first choices, contested.

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.

The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Helcim17%0%20accepted challenger
02Versapay17%0%16accepted challenger
03EBizCharge15%0%12accepted challenger
04Billtrust9%0%13accepted challenger
05Melio9%22%18accepted challenger
06Stripe7%17%41accepted challenger
07BILL Accounts Receivable4%19%31accepted challenger
08HighRadius B2B Payments4%12%16accepted challenger
Show the five products at 0%, ordered by negative rate
13PayPal Payments0%40%15criticized challenger
12Airwallex0%18%11accepted challenger
09Adyen0%6%18accepted challenger
10Tipalti0%0%14accepted challenger
11Wise Business0%0%14accepted challenger
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 twenty-eight head-to-head pages: the top eight 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 →
01
02
03
04
05
06
07
H08
09
10
11
12
P13
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01Helcim17%
02Versapay17%
03EBizCharge15%
04Billtrust9%
05Melio9%
06Stripe7%
07BILL Accounts Receivable4%
08HighRadius B2B Payments4%
09Adyen0%
10Tipalti0%
11Wise Business0%
12Airwallex0%
13PayPal Payments0%

What they warned about

Zero of twelve models held their first choice under the paraphrase. 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 and MiniMax M2.5 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.
Stripe
17%
7 of 41 labels negative · 6 of 12 models
“close third if you need developer-friendly APIs/global reach, but its flat rates cost more on high-value B2B transactions. Avoid if cards dominate.” Grok 4.20, budget prompt
BILL Accounts Receivable
19%
6 of 31 labels negative · 5 of 12 models · 2 hard negative
“Platforms to Approach with High Caution or Avoid ... Bill.com: ... the unexpected holding of funds or delays in payouts” Qwen 3.7 Flash, negative prompt
PayPal Payments
40%
6 of 15 labels negative · 5 of 12 models · 1 hard negative
“avoid generalists like PayPal for complex invoicing” Grok 4.20, direct prompt
BlueSnap
100%
4 of 4 labels negative · 4 of 12 models · 3 hard negative
“numerous complaints about high fees, poor customer service, unclear contract terms, and problems with payment processing” Mistral Small, negative prompt

What they cite

Twelve of the twelve models returned a source list in this edition: four return the pages they cited and eight the search results they consulted.

Sites the answers cite

65 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 979 links across 299 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · HighRadius35 answers · 41 citations · 12 models
35 answers · 39 citations · 10 models
vendor site · ConnectPay25 answers · 27 citations · 9 models
24 answers · 25 citations · 8 models
vendor site · Rillion17 answers · 19 citations · 9 models
vendor site · EBizCharge16 answers · 23 citations · 11 models
vendor site · G215 answers · 15 citations · 10 models
vendor site · G214 answers · 27 citations · 8 models
13 answers · 13 citations · 7 models
13 answers · 13 citations · 9 models
12 answers · 14 citations · 10 models
vendor site · Resolve Pay12 answers · 13 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.

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 payment acceptance platform”, “b2b payment platforms”, “best b2b payment acceptance platform”. 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 productsShareOwn site citedName searches, GoogleAI search demand, est.Organic visitsPaid search a month, est.Google ads, last 30 daysBest Google position
Helcim helcim.com17%12112,10014352,52728
Versapay versapay.com17%2526,60010639,155$12,320299
EBizCharge ebizcharge.com15%502,4001622,849$7,184242
Billtrust billtrust.com9%3626,60015950,343$71815
Melio melio.com9%28133,10049236,039$1,42960
Stripe stripe.com7%265823,000102,7413,226,782$3,6211022
BILL bill.com
BILL Accounts Receivable 4%
4%1792,740,0001,063,0011,783,039 company$199,231119
HighRadius highradius.com
HighRadius B2B Payments 4%
4%536,600118294,561 company$2,2721204
Nickel nickel.com4%20110,00062,18029,555$1,0337
Bill360 bill360.com2%1872045990

Google's top ten for the three searches hold 22 sites; 6 of them are among the sites the models cited here (connectpay.com, ebizcharge.com, fitsmallbusiness.com, gartner.com, highradius.com, resolvepay.com). The first result for “b2b payment acceptance platform” is paytrace.net.

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
ModelDirect“What is the best B2B payment acceptance platform for a mid-market B2B company?”Paraphrase“Which accounts receivable payment portal would you recommend to a mid-sized B2B company?”Comparative“What are the top B2B payment platforms and how do they differ?”Budget-constrained“What is the best B2B payment acceptance platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a B2B payment acceptance platform. What should we look at?”Negative“Which B2B payment platforms should I avoid or be cautious about?”
Claude Haiku 4.5no first choice
Five alternativesAvidXchange, BILL Accounts Receivable, MineralTree, Tipalti, Versapay
BilltrustChanged
Three alternativesInvoiced, Upflow, Versapay
Adyen, Stripe
Five alternativesAvidXchange, MineralTree, PayPal Payments, Wise Business, WizPay
Nickel
Four alternativesBILL Accounts Receivable, PayPal Payments, Square, Wise Business
no first choicenothing named
GPT-5.4 miniEBizCharge
Three alternativesAdyen, Checkout.com, Paymode
against: Stripe
VersapayChanged
One alternativeHighRadius B2B Payments
against: BILL Accounts Receivable
Stripe
Five alternativesAdyen, Airwallex, BILL Accounts Receivable, Payoneer, Tipalti
against: Modern Treasury
Stripe
Two alternativesACHQ, PayPal Invoicing
no first choicenothing named
Gemini 3.5 FlashEBizCharge
Three alternativesPaystand, Resolve Pay, Versapay
against: Stripe
no first choiceChanged
Four alternativesEBizCharge, Paystand, Quadient AR, Versapay
Stripe
Two alternativesAirwallex, TreviPay
Nickel
Three alternativesHelcim, Melio, Stripe
against: PayPal Payments, Square
no first choiceagainst: Juno, Parker, PayPal Payments, Plastiq, Solid, Square, Stripe, Synapse Financial Technologies, Yotta
Perplexity SonarEBizCharge
Three alternativesHighRadius B2B Payments, Paystand, Worldpay
VersapayChanged
Four alternativesBilltrust, Chaser, Gaviti, Monk
Stripe
Nine alternativesAdyen, Airwallex, BILL Accounts Receivable, Checkout.com, PayPal Payments, Payoneer, Tipalti, Wise Business, Worldpay
Melio
Two alternativesHelcim, Stripe
no first choicenothing named
Grok 4.20Stripe
Four alternativesBilltrust, EBizCharge, HighRadius B2B Payments, Versapay
against: BILL Accounts Receivable, PayPal Payments
VersapayChanged
Two alternativesBILL Accounts Receivable, Billtrust
against: HighRadius B2B Payments
no first choiceHelcim
One alternativeMelio
against: Stripe
no first choiceagainst: Airwallex, BlueSnap, Fiserv, Razorpay, Worldpay
Mistral SmallEBizCharge
Three alternativesHelcim, HighRadius B2B Payments, Plooto
Bill360, GavitiChanged
Two alternativesBilltrust, HighRadius B2B Payments
Stripe
Four alternativesBILL Accounts Receivable, Helcim, Melio, Tipalti
against: Adyen, PayPal Payments
Helcim
Three alternativesBILL Accounts Receivable, QuickBooks Payments, Stripe
no first choiceagainst: BlueSnap, Clear Junction, Fiserv, Melio, Payza, PingPong, Worldpay
DeepSeek V4 FlashHighRadius B2B Payments, Versapay
Four alternativesHelcim, Paystand, Stripe, Tipalti
against: BILL Accounts Receivable
BilltrustChanged
Two alternativesMonk, Versapay
Adyen, Stripe
Eight alternativesAirwallex, AvidXchange, BILL Accounts Receivable, Helcim, Payoneer, Stax, Tipalti, Wise Business
Helcim
Two alternativesPaystand, Stripe
no first choiceagainst: Bitty Advance, BlueSnap, Braintree, First American Payment Systems, Humboldt Merchant Services, Melio, Nuvei, PayPal Payments, Square, Stax, Stripe, Yellowstone Capital / Fundry / RCG Advances
Llama 4 MaverickHighRadius B2B Payments
Two alternativesEBizCharge, Worldpay
VersapayChanged
Three alternativesBilltrust, DualEntry, Gaviti
no first choiceHelcim, Nuveino first choicenothing named
Qwen 3.7 FlashVersapay
Two alternativesEBizCharge, Paystand
NuvoChanged
One alternativeBill360
against: HighRadius B2B Payments
Stripe
Three alternativesAdyen, BILL Accounts Receivable, Wise Business
Melio
Two alternativesHelcim, Stripe
against: BILL Accounts Receivable, Plooto
Stripe Treasury
Four alternativesBILL Accounts Receivable, Checkout.com, Thriday, Wells Fargo Digital Payments
against: BILL Accounts Receivable, Dodo Payments, Instamojo, PayPal Payments, Razorpay, Square, Stripe
Kimi K2BILL Accounts Receivable, EBizCharge
Two alternativesPaystand, Stripe
against: Melio
Upflow, VersapayChanged
Three alternativesBill360, Billtrust, Invoiced
Helcim, Stripe
Six alternativesAdyen, BILL Accounts Receivable, Braintree, Payoneer, Stax, Wise Business
Helcim, Melio
Two alternativesSquare, Stripe
no first choiceagainst: Airwallex, B2Bpay, BILL Accounts Receivable, Behalf, Checkout.com, Clear Junction, Hokodo, Melio, Openpay, Plastiq, Resolve Pay
GLM 4.7 FlashXEBizCharge
Three alternativesPlooto, Stripe, Worldpay
BilltrustChanged
Two alternativesUpflow, Versapay
against: Stripe Invoicing
Stripe
Seven alternativesAdyen, Airwallex, BILL Accounts Receivable, Melio, PayPal Payments, Tipalti, Wise Business
Helcim
Four alternativesMelio, Nickel, Square, Stripe
against: Authorize.net
no first choiceagainst: AvidXchange, BillDesk, BlueSnap, Dodo Payments, Fiserv, Humboldt Merchant Services, Payza, Stripe, Worldpay, eMerchantBrokers
MiniMax M2.5EBizCharge, Helcim
Four alternativesAdyen, Plooto, Stripe, Tipalti
Billtrust, VersapayChanged
Three alternativesBILL Accounts Receivable, Monk, Quadient AR
no first choiceHelcim
Three alternativesMelio, Plooto, Stripe
BILL Accounts Receivable, Melio, Stripe
Three alternativesAxe, Checkout.com, Tipalti
against: Kyriba
against: Clear Junction, Nuvei
Bold 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.
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:19yes139 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:40yes47 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:20yes2056 s
Direct recommendationPerplexity Sonarsonar2026-09-17 20:31yes205 s
Direct recommendationGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 20:41yes3121 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 19:50yes2214 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:08yes1417 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:03yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:06yes531 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:33yes1326 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:44yes3181 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:53yes546 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:39yes97 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:10yes35 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:16yes1753 s
ParaphrasePerplexity Sonarsonar2026-09-17 19:46yes205 s
ParaphraseGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 20:51yes3819 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 20:14yes55 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:39yes1617 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:59yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:32yes963 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:48yes1036 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:56yes2997 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 21:03yes517 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:46yes912 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:55yes59 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:51yes2725 s
ComparativePerplexity Sonarsonar2026-09-17 20:40yes208 s
ComparativeGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 19:41yes3118 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 20:47yes59 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:44yes1823 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:50yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:50yes529 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:10yes724 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:51yes22306 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:58yes521 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:38yes98 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:48yes26 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:57yes2252 s
Budget constrainedPerplexity Sonarsonar2026-09-17 19:17yes204 s
Budget constrainedGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 20:14yes3519 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 20:06yes54 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:10yes715 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:40yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:25yes523 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:25yes2532 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:29yes1628 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:28yes731 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:38no08 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:18no011 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:16no0161 s
Scale constrainedPerplexity Sonarsonar2026-09-17 20:32yes209 s
Scale constrainedGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 18:52yes1113 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 20:12no07 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:22yes2324 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:56yes53 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:19no030 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:17yes2332 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:37yes1061 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:54no015 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:46yes2711 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:52no03 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:05yes18250 s
Negative framingPerplexity Sonarsonar2026-09-17 19:53yes208 s
Negative framingGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 18:26yes4718 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 20:51yes108 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:54yes3031 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:57yes53 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:56yes1039 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:05yes2974 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:44yes1555 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:11yes1020 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
ACI read as ACI Worldwide
BILL read as BILL Accounts Receivable
BILL (Bill.com) read as BILL Accounts Receivable
BILL (bill.com) read as BILL Accounts Receivable
BILL (formerly Bill.com) read as BILL Accounts Receivable
BILL AP/AR read as BILL Accounts Receivable
Bill (Bill.com) read as BILL Accounts Receivable
Bill.com read as BILL Accounts Receivable
Bill.com (BILL) read as BILL Accounts Receivable
Coupa read as Coupa Pay
HighRadius read as HighRadius B2B Payments
PayPal read as PayPal Payments
PayPal (incl. Braintree) read as PayPal Payments
PayPal (including Braintree) read as PayPal Payments
PayPal B2B read as PayPal Payments
PayPal Business read as PayPal Payments
Resolve read as Resolve Pay
Unresolved, counted raw
ACHQ
Axe
B2Bpay
BillDesk
Bitty Advance
Orchestration platforms (e.g., Wondergate/Airwallex-style)
Paymode (Bottomline)
PingPong
Solid
Wells Fargo Digital Payments
Yellowstone Capital / Fundry / RCG Advances
eMerchantBrokers
Discontinued, still offered
No shut-down product was recommended here.
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