September 2026 Edition, published · The permanent record of that edition, superseded since.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 › Small business · September 2026 Edition

B2B payment acceptance for small business buyers

Asked as “B2B payment acceptance platform”, and as “accounts receivable payment portal”, on behalf of a small B2B company. 43 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
35%
Contested · Melio 14%
35Helcim14Melio12BILL Accounts Receivable40others

35% 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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Helcim35%0%32endorsed leader
02Melio14%11%38accepted challenger
03BILL Accounts Receivable12%24%42accepted challenger
04Nickel9%0%16accepted challenger
05Stripe7%26%42criticized challenger
06Square5%29%17criticized challenger
07PayPal Payments5%35%17criticized challenger
Show the three products at 0%, ordered by negative rate
08QuickBooks Payments0%11%18accepted challenger
09Plooto0%8%13accepted challenger
10Wise Business0%0%10accepted 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.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
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
P07
08
09
10
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Helcim35%
02Melio14%
03BILL Accounts Receivable12%
04Nickel9%
05Stripe7%
06Square5%
07PayPal Payments5%
08QuickBooks Payments0%
09Plooto0%
10Wise Business0%

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.
BILL Accounts Receivable
24%
10 of 42 labels negative · 7 of 12 models · 3 hard negative
“"the worst payment provider our business has ever worked with"; poor customer service and unresponsive support” MiniMax M2.5, negative prompt
Stripe
26%
11 of 42 labels negative · 7 of 12 models · 1 hard negative
“Complaints about high fees ... Funds holding issues with abrupt account holds” MiniMax M2.5, negative prompt
Melio
11%
4 of 38 labels negative · 4 of 12 models
“Platforms like Melio are highly popular and integrate well with accounting software, but ... complaints about the platform holding funds.” Gemini 3.5 Flash, negative prompt
PayPal Payments
35%
6 of 17 labels negative · 4 of 12 models
“PayPal Business: convenient, but often carries higher fees than bank-transfer-based options, so it can be expensive as a primary B2B rail.” Perplexity Sonar, 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. 990 links across 261 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · Factura.ai41 answers · 42 citations · 11 models
32 answers · 44 citations · 10 models
29 answers · 29 citations · 9 models
26 answers · 33 citations · 9 models
vendor site · ConnectPay22 answers · 24 citations · 9 models
20 answers · 27 citations · 7 models
vendor site · HighRadius19 answers · 19 citations · 9 models
vendor site · Stripe15 answers · 20 citations · 7 models
vendor site · BILL15 answers · 17 citations · 5 models
14 answers · 20 citations · 8 models
14 answers · 14 citations · 7 models
vendor site · Helcim13 answers · 25 citations · 7 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.com35%12112,10014352,52728
Melio melio.com14%28133,10049236,039$1,42960
BILL bill.com
BILL Accounts Receivable 12%
12%1792,740,0001,063,0011,783,039 company$199,231119
Nickel nickel.com9%20110,00062,18029,555$1,0337
Stripe stripe.com7%265823,000102,7413,226,782$3,6211022
Bill360 bill360.com7%1872045990
Square squareup.com5%861,000,000497,5263,658,565$999
Stripe parent site
Stripe Invoicing 5%
5%46823,000102,741
PayPal paypal.com
PayPal Payments 5%
5%915,000,000111,1048,961,782 company$63971
Gaviti gaviti.com2%10432046,0430

Google's top ten for the three searches hold 22 sites; 6 of them are among the sites the models cited here (connectpay.com, factura.ai, fitsmallbusiness.com, gartner.com, highradius.com, stripe.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.
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ModelDirect“What is the best B2B payment acceptance platform for a small B2B company?”Paraphrase“Which accounts receivable payment portal would you recommend to a small business that sells to other businesses?”Comparative“What are the top B2B payment platforms for a small team and how do they differ?”Budget-constrained“What is the best B2B payment acceptance platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a B2B payment acceptance platform. What should we look at?”Negative“Which B2B payment platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5Nickel
Five alternativesBILL Accounts Receivable, Melio, PayPal Payments, Square, Stripe
no first choiceChangedno first choicePayPal Payments, Square
Two alternativesBILL Accounts Receivable, Melio
no first choicenothing named
GPT-5.4 miniStripe
Two alternativesBILL Accounts Receivable, EBizCharge
Stripe InvoicingChanged
Two alternativesBILL Accounts Receivable, QuickBooks Payments
Melio
Three alternativesBILL Accounts Receivable, Brex, Ramp
against: Tipalti
Helcim
One alternativeSquare
against: Paystand
no first choicenothing named
Gemini 3.5 FlashMelio
Five alternativesHelcim, Nickel, QuickBooks Payments, Resolve Pay, Stripe
Bill360Changed
Four alternativesBILL Accounts Receivable, Chaser, Nickel, Upflow
Melio
Four alternativesAirwallex, BILL Accounts Receivable, Stripe, Wise Business
Helcim
Three alternativesForwardly, Melio, Nickel
against: PayPal Payments, Stripe
no first choice
Four alternativesEBizCharge, Helcim, Melio, Paystand
against: Stripe, Stripe Billing
against: BILL Accounts Receivable, Bank of America Merchant Services, Fiserv, Global Payments, Melio, PayPal Payments, Square, Stripe, TSYS, Worldpay
Perplexity SonarHelcim, Stripe
Two alternativesMelio, Wise Business
against: PayPal Payments
BILL Accounts ReceivableChanged
Three alternativesBill360, Monk, Upflow
BILL Accounts Receivable, Stripe
Four alternativesMelio, PayPal Payments, QuickBooks Payments, Wise Business
Melio, PayPal Payments
One alternativeHelcim
against: Stripe
no first choiceagainst: PayPal Payments, Payoneer, Stripe
Grok 4.20Helcim
Two alternativesMelio, Stripe
against: BILL Accounts Receivable
BILL Accounts ReceivableChanged
Three alternativesNickel, QuickBooks Payments, Stripe Invoicing
Helcim
Four alternativesBILL Accounts Receivable, Melio, QuickBooks Payments, Stripe
against: Authorize.net, Plooto
Melio
One alternativeHelcim
against: BILL Accounts Receivable, Square Invoices, Stax, Stripe, Wave
no first choiceagainst: Authorize.net, BILL Accounts Receivable, Global Payments, Melio, Stripe
Mistral SmallHelcim
Two alternativesQuickBooks Payments, Stripe
BILL Accounts Receivable, Bill360Changed
One alternativeNickel
Melio
Five alternativesBILL Accounts Receivable, Helcim, QuickBooks Payments, Stripe, Wise Business
Helcim, Meliono first choiceagainst: AvidXchange, BILL Accounts Receivable, Razorpay, Worldpay
DeepSeek V4 FlashHelcim
Four alternativesBILL Accounts Receivable, Melio, Square, Stripe
BILL Accounts ReceivableChanged
Three alternativesPaystand, QuickBooks Payments, Stripe Invoicing
against: Billtrust, Monk, Versapay
Melio
Six alternativesBILL Accounts Receivable, Plooto, QuickBooks Payments, Ramp, Stripe, Wise Business
Helcim
Two alternativesMelio, Square
no first choiceagainst: BILL Accounts Receivable, Melio, PayPal Payments, QuickBooks Payments, Square, Stripe
Llama 4 MaverickMelio
Three alternativesFactura, Helcim, Plooto
NickelChanged
Three alternativesBILL Accounts Receivable, FreshBooks, Zoho Books
Helcim
Seven alternativesAuthorize.net, ConnectPay, PayPal Payments, PaymentCloud, QuickBooks Payments, Stripe, Wise Business
Helcim
Two alternativesMelio, Plooto
no first choiceagainst: Traditional banks
Qwen 3.7 FlashHelcim
Three alternativesPlooto, Square Invoices, Stripe
against: PayPal Payments
BILL Accounts Receivable, GavitiChanged
One alternativeBill360
BILL Accounts Receivable, Melio
Three alternativesHelcim, QuickBooks Payments, Stripe
Nickel
Two alternativesHelcim, Melio
against: Stripe
no first choiceagainst: Airwallex, BILL Accounts Receivable, Checkout.com, QuickBooks Payments, Razorpay, Sage
Kimi K2Helcim, Nickel
Two alternativesQuickBooks Payments, Stripe
against: BILL Accounts Receivable, Melio
MelioChanged
One alternativeBILL Accounts Receivable
Melio
Four alternativesBILL Accounts Receivable, Helcim, Stripe, Wise Business
Helcim
Three alternativesMelio, Plooto, QuickBooks Payments
against: Square, Stripe
no first choiceagainst: Stripe Checkoutagainst: Adyen, AvidXchange, Clover, Global Payments, Leaders Merchant Services, Square
GLM 4.7 FlashXHelcim
Four alternativesMelio, Nickel, Plooto, Stripe
against: Adyen
Stripe InvoicingChanged
Five alternativesBILL Accounts Receivable, Chaser, Invoiced, Monk, PayPal Invoicing
Square, Stripe
Three alternativesHelcim, Melio, Wise Business
Helcim
Three alternativesNational Processing, Payment Depot, Stripe
no first choicenothing named
MiniMax M2.5Helcim
Four alternativesAuthorize.net, Plooto, QuickBooks Payments, Stripe
Bill360Changed
Three alternativesBILL Accounts Receivable, Nickel, Zenskar
BILL Accounts Receivable
Four alternativesHelcim, Melio, Plooto, Stripe
Square, Stripe
Four alternativesAuthorize.net, GoCardless, PayPal Payments, Wave
against: BILL Accounts Receivable, Tipalti
no first choiceagainst: BILL Accounts Receivable, Razorpay, Square, Stripe
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 20:51yes98 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:46yes35 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:53yes2174 s
Direct recommendationPerplexity Sonarsonar2026-09-17 18:34yes206 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 18:22yes3718 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 21:03yes54 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:37yes2318 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:02yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:07yes519 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:13yes1334 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:52yes31197 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:43yes1227 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:54no05 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:14yes34 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:15yes14147 s
ParaphrasePerplexity Sonarsonar2026-09-17 18:53yes185 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 18:10yes4020 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 18:41yes54 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 19:25yes2926 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:36yes53 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:55yes934 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:12yes1035 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:34yes1338 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:34yes516 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:19yes97 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:14yes512 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:57yes2324 s
ComparativePerplexity Sonarsonar2026-09-17 18:32yes198 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 18:40yes2818 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 20:51yes57 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:52yes1919 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:33yes54 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:59yes524 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:52yes1028 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:01yes2892 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:12yes2266 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:43yes97 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:07yes36 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:55yes2425 s
Budget constrainedPerplexity Sonarsonar2026-09-17 19:27yes206 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 19:45yes3917 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:22yes55 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 19:47yes1624 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:17yes53 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:58yes1022 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:31yes933 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:31yes2440 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:08no053 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:16no08 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:15no08 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:16yes6162 s
Scale constrainedPerplexity Sonarsonar2026-09-17 20:43yes207 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 18:07yes119 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 18:01no07 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:18yes2426 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:08yes53 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:54no032 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:16yes1052 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:09yes1432 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:19no047 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 21:06yes189 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:57yes37 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:09yes24260 s
Negative framingPerplexity Sonarsonar2026-09-17 19:56yes207 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 18:31yes4223 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 20:20yes107 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 21:00yes2824 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:17yes55 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:10yes1047 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 17:54yes3037 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 21:07yes15286 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:57yes1837 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
BILL 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 read as BILL Accounts Receivable
Bill.com read as BILL Accounts Receivable
Bill.com (B2B payments & AP/AR) read as BILL Accounts Receivable
Bill.com (BILL) read as BILL Accounts Receivable
HighRadius read as HighRadius B2B Payments
Intuit QuickBooks read as QuickBooks Payments
PayPal read as PayPal Payments
PayPal Business read as PayPal Payments
PayPal Business Payments read as PayPal Payments
PayPal Enterprise Payments (Braintree) read as PayPal Payments
Unresolved, counted raw
Bank of America Merchant Services
Factura
Leaders Merchant Services
National Processing
Stripe Checkout
TSYS
Discontinued, still offered
No shut-down product was recommended here.
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