Index › Finance › Receivables and billing › B2B payment acceptance › Small business · November 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. 50 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
46%
Clear leader
46Helcim14Melio08BILL Accounts Receivable32others
46% of first choices, clear leader.
Since October 2026▲+15Since October 2026: 31% → 46%, +15 points. Past the 10-point floor: movement.Helcim held the lead, +15 points on 31%, past the 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
Helcim46%Clear leader▲+15Since October 2026: 31% → 46%, +15 points. Past the 10-point floor: movement.This pageMid-market
Versapay28%Contested▲+9Since October 2026: 19% → 28%, +9 points. Inside the 10-point floor: within noise.Standing →EnterpriseHighRadius B2B Payments31%Contested▲+6Since October 2026: 25% → 31%, +6 points. Inside the 10-point floor: within noise.Standing →
Helcim46%Clear leader▲+15Since October 2026: 31% → 46%, +15 points. Past the 10-point floor: movement.This pageMid-marketVersapay28%Contested▲+9Since October 2026: 19% → 28%, +9 points. Inside the 10-point floor: within noise.Standing →EnterpriseHighRadius B2B Payments31%Contested▲+6Since October 2026: 25% → 31%, +6 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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Helcim46%0%41endorsed leader▲+15Since October 2026: 31% → 46%, +15 points. Past the 10-point floor: movement.31% → 46%
Helcim46%0%41endorsed leader▲+15Since October 2026: 31% → 46%, +15 points. Past the 10-point floor: movement.31% → 46%02
Melio14%6%31accepted challenger▼−7Since October 2026: 21% → 14%, −7 points. Inside the 10-point floor: within noise.21% → 14%
Melio14%6%31accepted challenger▼−7Since October 2026: 21% → 14%, −7 points. Inside the 10-point floor: within noise.21% → 14%03
BILL Accounts Receivable8%14%43accepted challenger▼−4Since October 2026: 12% → 8%, −4 points. Inside the 10-point floor: within noise.12% → 8%
BILL Accounts Receivable8%14%43accepted challenger▼−4Since October 2026: 12% → 8%, −4 points. Inside the 10-point floor: within noise.12% → 8%04
Stripe6%13%54accepted challenger▼−6Since October 2026: 12% → 6%, −6 points. Inside the 10-point floor: within noise.12% → 6%
Stripe6%13%54accepted challenger▼−6Since October 2026: 12% → 6%, −6 points. Inside the 10-point floor: within noise.12% → 6%05
QuickBooks Payments4%6%33accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise.2% → 4%
QuickBooks Payments4%6%33accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise.2% → 4%06PayPal Payments2%38%26criticized challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Show the three products at 0%, ordered by negative rate
09
Square0%53%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Square0%53%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Forwardly0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Forwardly0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Authorize.net0%6%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Authorize.net0%6%16accepted 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 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
Versapay vs EBizChargeVersapay vs HighRadius B2B PaymentsVersapay vs BILL Accounts ReceivableVersapay vs TipaltiHelcim vs StripeHelcim vs BilltrustHelcim vs EBizChargeHelcim vs HighRadius B2B PaymentsHelcim vs BILL Accounts ReceivableHelcim vs TipaltiStripe vs BilltrustStripe vs EBizChargeStripe vs HighRadius B2B PaymentsStripe vs BILL Accounts ReceivableStripe vs TipaltiBilltrust vs EBizChargeBilltrust vs HighRadius B2B PaymentsBilltrust vs BILL Accounts ReceivableBilltrust vs TipaltiEBizCharge vs HighRadius B2B PaymentsEBizCharge vs BILL Accounts ReceivableEBizCharge vs TipaltiHighRadius B2B Payments vs BILL Accounts ReceivableHighRadius B2B Payments vs TipaltiBILL Accounts Receivable vs Tipalti
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 →
0102030405P06
070809Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Helcim46%
Helcim46%02Melio14%
Melio14%03BILL Accounts Receivable8%
BILL Accounts Receivable8%04Stripe6%
Stripe6%05QuickBooks Payments4%
QuickBooks Payments4%06PayPal Payments2%
07Authorize.net0%
Authorize.net0%08Forwardly0%
Forwardly0%09Square0%
Square0%What they warned about
Zero of fourteen 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, MiniMax M2.5, 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.
PayPal Payments
38%
10 of 26 labels negative · 10 of 14 models · 5 hard negative
“Small businesses should avoid consumer-focused digital wallets (PayPal, Venmo, Zelle) for B2B payments” Mistral Small, negative prompt
Square53%
9 of 17 labels negative · 8 of 14 models · 4 hard negative
“High volume of complaints about lack of responsive human support... Reviews highlight it as risky” Grok 4.20, negative prompt
Stripe13%
7 of 54 labels negative · 7 of 14 models · 1 hard negative
“"PayPal & Stripe (Avoid for Large, Low-Volume B2B Invoices)" is a recurring negative prompt label” Muse Glimmer 30B, negative prompt
BILL Accounts Receivable14%
6 of 43 labels negative · 6 of 14 models · 1 hard negative
“Delayed processing, unexpected fees and access issues." ... "most reviewers were let down by their experience overall.” Muse Glimmer 30B, 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
74 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. 783 links across 227 sites, every framing counted. Ranked by the number of answers carrying the site or page. 21 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.
46 answers · 55 citations · 11 models
35 answers · 38 citations · 11 models
19 answers · 19 citations · 8 models
18 answers · 22 citations · 10 models
vendor site · G218 answers · 19 citations · 8 models
vendor site · Versapay17 answers · 18 citations · 9 models
vendor site · BILL16 answers · 22 citations · 9 models
vendor site · Stripe16 answers · 20 citations · 12 models
vendor site · Finix12 answers · 13 citations · 9 models
11 answers · 12 citations · 7 models
vendor site · Forwardly10 answers · 17 citations · 7 models
vendor site · Melio10 answers · 12 citations · 6 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.
46 answers · 11 models
34 answers · 11 models
19 answers · 8 models
13 answers · 6 models
10 answers · 7 models
10 answers · 6 models
9 answers · 6 models
8 answers · 6 models
8 answers · 6 models
8 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 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 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 |
|---|---|---|---|---|---|---|---|---|
| Helcim helcim.com | 46% | 121 | 12,100 | 143 | 52,527 | 28 | ||
| Melio melio.com | 14% | 281 | 33,100 | 492 | 36,039 | $1,429 | 60 | |
| BILL bill.com BILL Accounts Receivable 8% | 8% | 179 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| Stripe stripe.com | 6% | 265 | 823,000 | 102,741 | 3,226,782 | $3,621 | 102 | 2 |
| Bill360 bill360.com | 6% | 18 | 720 | 4 | 599 | 0 | ||
| QuickBooks parent site QuickBooks Payments 4% | 4% | 92 | 1,000,000 | 54,681 | ||||
| Billtrust billtrust.com | 2% | 362 | 6,600 | 159 | 50,343 | $718 | 15 | |
| Invoiced invoiced.com | 2% | 130 | 110,000 | 36,685 | 46,626 | 54 | ||
| Gaviti gaviti.com | 2% | 104 | 320 | 4 | 6,043 | 0 | ||
| Paidnice paidnice.com | 2% | 103 | 110 | 2 | 16,387 | 7 |
Google's top ten for the three searches hold 22 sites; 3 of them are among the sites the models cited here (fitsmallbusiness.com, stripe.com, versapay.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
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 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 4.5no first choiceagainst: Authorize.netBill360ChangedBILL Accounts ReceivablePayPal Paymentsno first choicenothing named
Two alternatives
BILL Accounts Receivable, NickelFive alternatives
Airwallex, Helcim, Melio, PayPal Payments, StripeTwo alternatives
Melio, SquareGPT-5.4 miniStripeBILL Accounts ReceivableChangedRamp Bill Payagainst: TipaltiMeliono first choiceagainst: PayPal Payments, Shopify, Square, Stax, Stripe
Two alternatives
BILL Accounts Receivable, PlootoThree alternatives
FreshBooks, QuickBooks Payments, Square InvoicesTwo alternatives
BILL Accounts Receivable, MelioTwo alternatives
BILL Accounts Receivable, StripeGemini 3.5 FlashMelioBILL Accounts Receivable, MelioChangedagainst: Native QuickBooks PaymentsMelio, RampMelioagainst: BILL Accounts Receivableno first choiceagainst: Cash App, PayPal Payments, Square, Stripe, Venmo for Business, Zelle
Four alternatives
BILL Accounts Receivable, Helcim, QuickBooks Payments, StripeTwo alternatives
Chaser, Stripe InvoicingFour alternatives
BILL Accounts Receivable, QuickBooks Payments, Stripe, Wise BusinessThree alternatives
Helcim, Stripe, WavePerplexity SonarHelcimBill360ChangedMelioHelcimagainst: Meliono first choiceagainst: PayPal Payments, Venmo for Business
Five alternatives
Airwallex, BILL Accounts Receivable, QuickBooks Payments, Stripe, Wise BusinessThree alternatives
BILL Accounts Receivable, Melio, QuickBooks PaymentsFour alternatives
BILL Accounts Receivable, Stripe, Tipalti, Wise BusinessThree alternatives
Nickel, QuickBooks Payments, StripeGrok 4.20HelcimVersapayChangedHelcimagainst: AdyenHelcimagainst: Forwardly, Wise BusinessStripeagainst: Autobooks, Kurv, Lemon Squeezy, PayPal Payments, Payroc, Square, Stripe, Tazapay
Five alternatives
Authorize.net, Braintree, PaymentCloud, QuickBooks Payments, StripeFour alternatives
Bill360, Helcim, Stripe Billing, UpflowFive alternatives
Authorize.net, Braintree, PaymentCloud, QuickBooks Payments, StripeThree alternatives
Authorize.net, QuickBooks Payments, StripeOne alternative
BraintreeMistral SmallHelcimGaviti, PaidniceChangedHelcimagainst: StaxHelcimno first choiceagainst: Adyen, BILL Accounts Receivable, PayPal Payments, Stripe, Venmo for Business, Worldpay, Zelle
Two alternatives
Forwardly, StripeThree alternatives
BILL Accounts Receivable, Billtrust, QuickBooks PaymentsFive alternatives
Authorize.net, Forwardly, PayPal Payments, QuickBooks Payments, StripeTwo alternatives
Nickel, StripeDeepSeek V4 FlashHelcimQuickBooks Online, QuickBooks PaymentsChangedHelcimagainst: TipaltiHelcimno first choiceagainst: Squareagainst: Easebuzz, PayPal Payments, SAP Ariba, Square, WePay
Four alternatives
PayPal Payments, QuickBooks Payments, Stax, StripeFour alternatives
BILL Accounts Receivable, Invoice Ninja, Melio, Stripe InvoicingFour alternatives
BILL Accounts Receivable, Forwardly, Melio, StripeThree alternatives
Forwardly, Square, StripeThree alternatives
Billtrust, EBizCharge, GivePaymentsLlama 4 MaverickHelcimBilltrustChangedno first choiceHelcimno first choiceagainst: BILL Accounts Receivable, Melio, QuickBooks Payments, Square, Stripe
Three alternatives
Authorize.net, PaymentCloud, StripeThree alternatives
Credit-IQ, Paidnice, WaveFour alternatives
Authorize.net, PaymentCloud, QuickBooks Payments, StripeQwen 3.7 FlashHelcimChargeOverChangedHelcim, StripeHelcimagainst: Squareno first choiceagainst: PayPal Payments, Shopify Payments, Stripe
Four alternatives
PayPal Payments, QuickBooks Payments, Square, StripeThree alternatives
BILL Accounts Receivable, QuickBooks Online Payments, Zoho BooksTwo alternatives
BILL Accounts Receivable, QuickBooks Online PaymentsTwo alternatives
Forwardly, StripeKimi K2Helcimagainst: BILL Accounts ReceivableBILL Accounts ReceivableChangedRampagainst: AirbaseHelcim, MelioHelcim, Melio, Stripeagainst: PayPal Payments, Square, Venmo for Business
Three alternatives
Melio, QuickBooks Payments, StripeFour alternatives
Billtrust, Helcim, Invoiced, MelioThree alternatives
BILL Accounts Receivable, Melio, Wise BusinessThree alternatives
Forwardly, Square Invoices, StripeTwo alternatives
BILL Accounts Receivable, GoCardlessGLM 4.7 FlashXHelcimBill360Changedagainst: HighRadius B2B Payments, VersapayHelcimagainst: AvidXchangeHelcimno first choiceagainst: Clear Junction, Fondy, PayPal Payments, Squad
Four alternatives
Authorize.net, Braintree, Stax, StripeOne alternative
UpflowNine alternatives
Authorize.net, BILL Accounts Receivable, Braintree, Forwardly, Melio, PayPal Payments, Stax, Stripe, TipaltiThree alternatives
Melio, Square, StripeMiniMax M2.5HelcimInvoiced, QuickBooks PaymentsChangedHelcimHelcimno first choiceagainst: 2Checkout, Toast Inc.
Three alternatives
Forwardly, Melio, StripeTwo alternatives
BILL Accounts Receivable, GavitiSix alternatives
BILL Accounts Receivable, Braintree, Melio, PayPal Payments, QuickBooks Payments, StripeOne alternative
ForwardlyGPT-6 LunaHelcimMelioChangedMelio, Rampagainst: BILL Accounts ReceivableHelcimno first choiceagainst: First American Payment Systems
Two alternatives
QuickBooks Payments, StripeOne alternative
QuickBooks PaymentsTwo alternatives
QuickBooks Bill Pay, StripeThree alternatives
QuickBooks Payments, Square, StripeMuse Glimmer 30BHelcimBILL Accounts ReceivableChangedBILL Accounts ReceivableHelcimno first choiceagainst: BILL Accounts Receivable, Coupa Pay, PayPal Payments, PayTabs, QuickBooks Payments, Razorpay, Square, Stripe
Five alternatives
Authorize.net, Braintree, PayPal Payments, QuickBooks Payments, StripeThree alternatives
Bill360, Billtrust, QuickBooks PaymentsFive alternatives
Melio, Nickel, QuickBooks Payments, Stripe, TipaltiThree alternatives
Melio, Rho Invoicing, Zoho BooksBold 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 12:46 | no | 0 | 4 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:47 | 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 08:57 | no | 0 | 14 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:14 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 5 | 31 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:49 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:58 | yes | 20 | 28 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:25 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:58 | yes | 5 | 23 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:23 | yes | 10 | 46 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:41 | yes | 13 | 23 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:02 | yes | 5 | 27 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:23 | yes | 3 | 10 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:28 | yes | 13 | 18 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:26 | yes | 10 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:52 | yes | 4 | 5 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 09:41 | yes | 13 | 21 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 10:59 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:13 | yes | 5 | 32 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:19 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:12 | yes | 22 | 24 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:32 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:20 | no | 0 | 33 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:16 | yes | 15 | 68 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:35 | yes | 15 | 77 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:11 | yes | 5 | 29 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:31 | yes | 3 | 10 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 13:00 | yes | 13 | 17 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:52 | yes | 9 | 7 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:42 | yes | 4 | 7 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 11:22 | no | 0 | 18 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:09 | yes | 10 | 4 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 5 | 29 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:38 | yes | 5 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:26 | yes | 23 | 33 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:03 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:47 | yes | 5 | 24 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:06 | yes | 20 | 45 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:54 | yes | 22 | 39 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:45 | yes | 10 | 22 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:45 | yes | 5 | 19 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:20 | yes | 14 | 27 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:11 | yes | 10 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:58 | yes | 2 | 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 10:53 | yes | 11 | 23 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 12:28 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:07 | yes | 5 | 24 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:55 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:25 | yes | 23 | 25 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:53 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:17 | yes | 5 | 21 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:56 | yes | 13 | 37 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:23 | yes | 23 | 53 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:05 | yes | 10 | 55 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:42 | yes | 4 | 9 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:02 | yes | 15 | 25 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:00 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:49 | no | 0 | 8 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 12:54 | no | 0 | 18 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 11:33 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 5 | 40 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:19 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:31 | yes | 23 | 26 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:38 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:52 | no | 0 | 27 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:04 | yes | 10 | 23 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:25 | yes | 14 | 49 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:51 | no | 0 | 78 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:31 | yes | 3 | 18 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:10 | yes | 15 | 22 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:54 | yes | 28 | 13 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:09 | 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 10:59 | yes | 9 | 24 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:57 | yes | 10 | 6 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 10 | 28 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:30 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:04 | yes | 24 | 44 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:15 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:44 | yes | 14 | 49 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:33 | yes | 25 | 33 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:44 | yes | 24 | 75 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:00 | yes | 23 | 76 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:14 | yes | 2 | 33 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:32 | yes | 14 | 22 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 AP/AR read as BILL Accounts Receivable
Bill.com read as BILL Accounts Receivable
Bill.com (or Bill) read as BILL Accounts Receivable
Coupa read as Coupa Pay
HighRadius read as HighRadius B2B Payments
PayPal read as PayPal Payments
PayPal (Braintree) read as PayPal Payments
PayPal (including Enterprise/Braintree for B2B) read as PayPal Payments
PayPal Business read as PayPal Payments
PayPal Business (and Braintree) read as PayPal Payments
PayPal Enterprise read as PayPal Payments
PayPal Enterprise (Braintree) read as PayPal Payments
PayPal Enterprise Payments (Braintree) read as PayPal Payments
PayPal for Business read as PayPal Payments
Venmo read as Venmo for Business
Unresolved, counted raw
Biller Genie
Easebuzz
Factura
Fondy
Kurv
Native QuickBooks Payments (Built-In)
Squad
Discontinued, still offered
No shut-down product was recommended here.