Index › Finance › Receivables and billing › Cash application › Small business · November 2026 Edition
Cash application for small business buyers
Asked as “cash application software”, and as “payment matching automation”, on behalf of a small B2B company. 53 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
23%
Contested · QuickBooks Online 13%
23BILL13QuickBooks Online09QuickBooks Payments55others
23% of first choices, contested.
Since October 2026▲+7Since October 2026: 16% → 23%, +7 points. Inside the 10-point floor: within noise.BILL held the lead, +7 points on 16%, 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
BILL23%Contested▲+7Since October 2026: 16% → 23%, +7 points. Inside the 10-point floor: within noise.This pageMid-market
Versapay15%Contested▲+6Since October 2026: 9% → 15%, +6 points. Inside the 10-point floor: within noise.Standing →Enterprise
HighRadius65%Clear leader▲+3Since October 2026: 62% → 65%, +3 points. Inside the 10-point floor: within noise.Standing →
BILL23%Contested▲+7Since October 2026: 16% → 23%, +7 points. Inside the 10-point floor: within noise.This pageMid-marketVersapay15%Contested▲+6Since October 2026: 9% → 15%, +6 points. Inside the 10-point floor: within noise.Standing →EnterpriseHighRadius65%Clear leader▲+3Since October 2026: 62% → 65%, +3 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
01BILL23%9%23accepted challenger▲+7Since October 2026: 16% → 23%, +7 points. Inside the 10-point floor: within noise.16% → 23%
BILL23%9%23accepted challenger▲+7Since October 2026: 16% → 23%, +7 points. Inside the 10-point floor: within noise.16% → 23%02
QuickBooks Online13%12%33accepted challenger▲+1Since October 2026: 12% → 13%, +1 point. Inside the 10-point floor: within noise.12% → 13%
QuickBooks Online13%12%33accepted challenger▲+1Since October 2026: 12% → 13%, +1 point. Inside the 10-point floor: within noise.12% → 13%03
QuickBooks Payments9%0%16accepted challenger▲+2Since October 2026: 7% → 9%, +2 points. Inside the 10-point floor: within noise.7% → 9%
QuickBooks Payments9%0%16accepted challenger▲+2Since October 2026: 7% → 9%, +2 points. Inside the 10-point floor: within noise.7% → 9%04
Wave9%0%10accepted challenger▲+9Since October 2026: 0% → 9%, +9 points. Inside the 10-point floor: within noise.0% → 9%
Wave9%0%10accepted challenger▲+9Since October 2026: 0% → 9%, +9 points. Inside the 10-point floor: within noise.0% → 9%05
Upflow8%3%38accepted challenger▼−1Since October 2026: 9% → 8%, −1 point. Inside the 10-point floor: within noise.9% → 8%
Upflow8%3%38accepted challenger▼−1Since October 2026: 9% → 8%, −1 point. Inside the 10-point floor: within noise.9% → 8%06
Zoho Books8%0%10accepted challenger▲+4Since October 2026: 4% → 8%, +4 points. Inside the 10-point floor: within noise.4% → 8%
Zoho Books8%0%10accepted challenger▲+4Since October 2026: 4% → 8%, +4 points. Inside the 10-point floor: within noise.4% → 8%07Versapay6%19%27accepted challenger▲+6Since October 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise.0% → 6%
Versapay6%19%27accepted challenger▲+6Since October 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise.0% → 6%08
Invoiced6%0%12accepted challenger▲+4Since October 2026: 2% → 6%, +4 points. Inside the 10-point floor: within noise.2% → 6%
Invoiced6%0%12accepted challenger▲+4Since October 2026: 2% → 6%, +4 points. Inside the 10-point floor: within noise.2% → 6%09
Cashbook4%7%15accepted challenger▼−1Since October 2026: 5% → 4%, −1 point. Inside the 10-point floor: within noise.5% → 4%
Cashbook4%7%15accepted challenger▼−1Since October 2026: 5% → 4%, −1 point. Inside the 10-point floor: within noise.5% → 4%10
Quadient Accounts Receivable2%6%16accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Quadient Accounts Receivable2%6%16accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%11
Xero2%14%14accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Xero2%14%14accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%12
Billtrust2%59%29criticized challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Billtrust2%59%29criticized challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%Show the five products at 0%, ordered by negative rate
17HighRadius0%87%38criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
HighRadius0%87%38criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%16
BlackLine Cash Application0%86%28criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
BlackLine Cash Application0%86%28criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%15
Esker0%58%19criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Esker0%58%19criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%14
Kolleno0%20%10accepted challenger▼−7Since October 2026: 7% → 0%, −7 points. Inside the 10-point floor: within noise.7% → 0%
Kolleno0%20%10accepted challenger▼−7Since October 2026: 7% → 0%, −7 points. Inside the 10-point floor: within noise.7% → 0%13
Chaser0%0%11accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 10-point floor: within noise.5% → 0%
Chaser0%0%11accepted challenger▼−5Since October 2026: 5% → 0%, −5 points. Inside the 10-point floor: within noise.5% → 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 fifteen head-to-head pages: the top six products, each against each
Versapay vs Quadient Accounts ReceivableVersapay vs KollenoUpflow vs HighRadiusUpflow vs BilltrustUpflow vs Quadient Accounts ReceivableUpflow vs KollenoHighRadius vs BilltrustHighRadius vs Quadient Accounts ReceivableHighRadius vs KollenoBilltrust vs Quadient Accounts ReceivableBilltrust vs KollenoQuadient Accounts Receivable vs Kolleno
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 →
0102030405060708091011121314151617Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01BILL23%
BILL23%02QuickBooks Online13%
QuickBooks Online13%03QuickBooks Payments9%
QuickBooks Payments9%04Wave9%
Wave9%05Upflow8%
Upflow8%06Zoho Books8%
Zoho Books8%07Versapay6%
Versapay6%08Invoiced6%
Invoiced6%09Cashbook4%
Cashbook4%10Quadient Accounts Receivable2%
Quadient Accounts Receivable2%11Xero2%
Xero2%12Billtrust2%
Billtrust2%13Chaser0%
Chaser0%14Kolleno0%
Kolleno0%15Esker0%
Esker0%16BlackLine Cash Application0%
BlackLine Cash Application0%17HighRadius0%
HighRadius0%What they warned about
Two 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, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
HighRadius87%
33 of 38 labels negative · 13 of 14 models · 12 hard negative
“HighRadius Accounts Receivables — Users report bank integrations that stop working for weeks, with support responses taking 12+ days to resolve critical issues.” GLM 4.7 FlashX, negative prompt
BlackLine Cash Application86%
24 of 28 labels negative · 11 of 14 models · 11 hard negative
“Avoid HighRadius, Esker, and most of Billtrust/BlackLine unless your payment volume or audit requirements genuinely justify enterprise pricing.” Muse Glimmer 30B, negative prompt
Billtrust59%
17 of 29 labels negative · 9 of 14 models · 8 hard negative
“Avoid HighRadius, Esker, and most of Billtrust/BlackLine unless your payment volume or audit requirements genuinely justify enterprise pricing.” Muse Glimmer 30B, negative prompt
Esker58%
11 of 19 labels negative · 9 of 14 models · 7 hard negative
“Avoid HighRadius, Esker, and most of Billtrust/BlackLine unless your payment volume or audit requirements genuinely justify enterprise pricing.” 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
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 209 sites, every framing counted. Ranked by the number of answers carrying the site or page. 43 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 · Cashbook42 answers · 45 citations · 12 models
36 answers · 37 citations · 10 models
vendor site · Upflow31 answers · 37 citations · 13 models
vendor site · Versapay27 answers · 36 citations · 11 models
vendor site · HighRadius24 answers · 29 citations · 11 models
publisher (Gane)23 answers · 25 citations · 9 models
17 answers · 19 citations · 11 models
16 answers · 30 citations · 9 models
vendor site · RemitClear16 answers · 23 citations · 9 models
vendor site · Rex16 answers · 16 citations · 8 models
vendor site · Capterra15 answers · 27 citations · 6 models
vendor site · G215 answers · 26 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.
41 answers · 12 models
35 answers · 10 models
22 answers · 9 models
22 answers · 11 models
18 answers · 8 models
16 answers · 8 models
14 answers · 10 models
13 answers · 9 models
12 answers · 8 models
10 answers · 4 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 “best cash application software”, “cash application software”, “cash application 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 |
|---|---|---|---|---|---|---|---|---|
| BILL bill.com | 23% | 374 | 2,740,000 | 1,063,001 | 1,783,039 | $199,231 | 119 | 7 |
| QuickBooks quickbooks.ninja QuickBooks Online 13% | 13% | 692 | 1,000,000 | 54,681 | 253 company | |||
| QuickBooks parent site QuickBooks Payments 9% | 9% | 92 | 1,000,000 | 54,681 | ||||
| Wave waveapps.com | 9% | 363 | 368,000 | 253,218 | 708,862 | 39 | ||
| Upflow upflow.io | 8% | 213 | 880 | 102 | 25,361 | |||
| Zoho zoho.com Zoho Books 8% | 8% | 367 | 27,100 | 268 | 1,216,894 company | $51,031 | 119 | |
| Versapay versapay.com | 6% | 252 | 6,600 | 106 | 39,155 | $12,320 | 29 | 6 |
| Invoiced invoiced.com | 6% | 130 | 110,000 | 36,685 | 46,626 | 54 | ||
| Cashbook cashbook.com | 4% | 48 | 1,600 | 49 | 1,306 | |||
| Quadient quadient.com Quadient Accounts Receivable 2% | 2% | 46 | 10 | 0 | 131,433 company | $83 | 42 |
Google's top ten for the three searches hold 17 sites; 3 of them are among the sites the models cited here (chaserhq.com, highradius.com, versapay.com). The first result for “best cash application 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 cash application software for a small B2B company?”Paraphrase“Which payment matching automation would you recommend to a small business that sells to other businesses?”Comparative“What are the top cash application tools for a small team and how do they differ?”Budget-constrained“What is the best cash application software for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a cash application software. What should we look at?”Negative“Which cash application tools should a small business avoid or be cautious about?”
Claude Haiku 4.5Cashbook, VersapayBILLChangedCashbook, VersapayWaveno first choicenothing named
Three alternatives
Kolleno, Quadient Accounts Receivable, UpflowThree alternatives
Invoiced, QuickBooks Online, Zoho BooksThree alternatives
Billtrust, Quadient Accounts Receivable, UpflowFour alternatives
Float, GnuCash, QuickBooks Online, XeroGPT-5.4 miniBill360against: Emagia, HighRadiusQuickBooks Online, QuickBooks PaymentsChangedagainst: BilltrustBilltrust, KollenoPlootoagainst: Cash Applicationno first choicenothing named
Two alternatives
Paystand, VersapayTwo alternatives
Kolleno, UpflowThree alternatives
BlackLine Invoice-to-Cash, Emagia AI-powered Cash Application, SAP Cash ApplicationThree alternatives
BILL, QuickBooks Online, XeroGemini 3.5 FlashInvoicedagainst: BlackLine Cash Application, HighRadiusBILLChangedagainst: Quadient Accounts Receivable, VersapayUpflowagainst: BlackLine Cash Application, HighRadiusQuickBooks Online, Xeroagainst: Billtrust, BlackLine Cash Application, HighRadiusQuadient Accounts Receivable, Versapayagainst: Billtrust, HighRadiusagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, PayPal, Serrala, Square, Stripe
Four alternatives
BILL, Kolleno, Upflow, VersapayThree alternatives
Chaser, Stripe Billing, UpflowFive alternatives
Invoiced, Kolleno, Quadient Accounts Receivable, Tesorio, VersapayFive alternatives
BILL, Chaser, Gaviti, Quadient Accounts Receivable, UpflowFour alternatives
BlackLine Cash Application, Centime, HighRadius, TesorioPerplexity SonarInvoicedagainst: BILL, Billtrust, BlackLine Cash Application, HighRadiusUpflowChangedagainst: TipaltiQuickBooks Paymentsagainst: Billtrust, Esker, HighRadius, KollenoQuickBooks Paymentsagainst: Billtrust, BlackLine Cash Application, HighRadius, Serralano first choicenothing named
Three alternatives
Cashbook, Upflow, VersapayOne alternative
BILLFour alternatives
Cashbook, Invoiced, Upflow, VersapayTwo alternatives
Cashbook, InvoicedGrok 4.20Versapayagainst: BlackLine Cash Application, Emagia, HighRadiusBILLChangedagainst: BlackLine Cash Application, Esker, HighRadiusQuadient Accounts Receivableagainst: BlackLine Cash Application, Emagia, HighRadius, SerralaWaveagainst: BlackLine Cash Application, HighRadius, QuickBooks Onlineno first choiceagainst: Cash App, Venmo, Zelle
Four alternatives
Billtrust, Quadient Accounts Receivable, QuickBooks Online, XeroFour alternatives
Chaser, QuickBooks Payments, Stripe Billing, UpflowFour alternatives
Billtrust, Cashbook, Esker, UpflowTwo alternatives
Xero, Zoho BooksMistral SmallBILLno first choiceChangedQuickBooks PaymentsQuickBooks Paymentsno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius
One alternative
QuickBooks PaymentsFour alternatives
BILL, Billtrust, Esker, UpflowTwo alternatives
Wave, Zoho BooksDeepSeek V4 FlashUpflowagainst: Billtrust, HighRadius, VersapayBILLChangedRemitClearagainst: Billtrust, HighRadiusZoho Booksagainst: Billtrust, Cashbook, Upflow, Versapayno first choiceagainst: HighRadiusagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, Xero
Three alternatives
Paidnice, Quadient Accounts Receivable, QuickBooks Online / XeroTwo alternatives
QuickBooks Online, UpflowOne alternative
VersapayFour alternatives
Chaser, Invoiced, QuickBooks Online, WaveLlama 4 MaverickBILLBILLHeldno first choiceWaveno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, Merchant Cash Advances
Five alternatives
Billtrust, BlackLine Cash Application, Esker, HighRadius, UpflowThree alternatives
QuickBooks Online, Stripe, UpflowThree alternatives
Cashbook, Dryrun, QuickBooks OnlineQwen 3.7 FlashBilltrustagainst: Emagia, HighRadiusUpflowChangedPaidniceagainst: BlackLine Cash Application, HighRadiusAprioriagainst: BlackLine Cash Application, Power Automate, QuickBooks Online, Xero, Zapierno first choiceagainst: HighRadius, Versapayagainst: Billtrust, BlackLine Cash Application, Cash App, Esker, HighRadius, Microsoft Dynamics, Oracle NetSuite, SAP Cash Application, Venmo, Zelle
Four alternatives
Cashbook, Quadient YayPay, Upflow, VersapayTwo alternatives
Monk, QuickBooks PaymentsThree alternatives
JAX, RemitClear, UpflowTwo alternatives
Blackpoint Digital, FinboxFour alternatives
Appgate, Billtrust, Kounta, Moss FinancialKimi K2Paidniceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, SidetradeBILLChangedRemitClearagainst: Kolleno, PaidniceWave, Zoho Booksagainst: BlackLine Cash Application, Emagia, HighRadiusno first choiceagainst: BILL, BlackLine Cash Application, Esker, HighRadius, Wave Payments, Xero Payment Processing
Two alternatives
BILL, QuickBooks PaymentsThree alternatives
Invoiced, Melio, Xero with JAX AIThree alternatives
BILL, QuickBooks Online, UpflowFour alternatives
FreshBooks, QuickBooks Online, Upflow, XeroGLM 4.7 FlashXBILL, CashbookBILLChangedagainst: HighRadiusQuickBooks Payments, Xero PaymentsLunos, Zoho Booksagainst: QuickBooks Onlineno first choiceagainst: HighRadius
Four alternatives
Quadient Accounts Receivable, QuickBooks Online, Versapay, XeroTwo alternatives
QuickBooks Payments, UpflowThree alternatives
Chaser, Esker, UpflowTwo alternatives
Wave, XeroMiniMax M2.5BILLBILLHeldagainst: Coupa, TipaltiQuickBooks Online, Waveagainst: BlackLine Cash Application, HighRadiusWave, Zoho Booksagainst: QuickBooks Onlineno first choiceagainst: Cash App
Three alternatives
Chaser, QuickBooks Online, UpflowOne alternative
QuickBooks OnlineTwo alternatives
Upflow, VersapayOne alternative
FreshBooksGPT-6 LunaInvoiced, QuickBooks OnlineQuickBooks OnlineChangedInvoiced, QuickBooks Online or Xero's built-in matchingagainst: Sage AR AutomationQuickBooks Onlineno first choiceagainst: BlackLine Cash Application, HighRadius
Two alternatives
Billtrust, VersapayOne alternative
Invoiced’s CashMatchOne alternative
UpflowOne alternative
RemitParse GrowthMuse Glimmer 30BUpflowagainst: BlackLine Cash Application, HighRadius, SerralaQuickBooks Online, QuickBooks PaymentsChangedUpflowagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, VersapayQuickBooks Online, QuickBooks Paymentsno first choiceagainst: Billtrust, BlackLine Cash Application, BlackLine Invoice-to-Cash, Esker, HighRadius
Four alternatives
Cashbook, Credit-IQ, QuickBooks Payments, RemitClearTwo alternatives
BILL, UpflowFour alternatives
03Upflow, Cashbook, Kolleno, RemitClearThree alternatives
RemitClear, Xero, 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 10:52 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:11 | yes | 4 | 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 12:30 | yes | 10 | 23 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:04 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:04 | yes | 9 | 15 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:58 | yes | 5 | 3 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:36 | yes | 25 | 23 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:59 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:29 | yes | 5 | 40 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:58 | yes | 18 | 25 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:52 | yes | 14 | 17 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:23 | yes | 9 | 35 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:43 | yes | 3 | 18 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:37 | yes | 11 | 19 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:25 | yes | 20 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:49 | yes | 4 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:16 | no | 0 | 14 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 09:19 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 10 | 29 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:34 | no | 0 | 1 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:16 | yes | 25 | 27 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:10 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:32 | yes | 15 | 58 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:26 | yes | 25 | 41 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:56 | yes | 19 | 67 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:53 | yes | 15 | 58 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:49 | yes | 2 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:58 | yes | 25 | 29 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:54 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:36 | yes | 5 | 6 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:45 | yes | 13 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 11:02 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 13 | 40 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:53 | yes | 5 | 5 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:57 | yes | 23 | 38 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:17 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:54 | yes | 14 | 69 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:00 | yes | 19 | 38 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:46 | yes | 22 | 208 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:21 | yes | 9 | 25 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:23 | yes | 5 | 19 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:58 | yes | 11 | 24 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:37 | yes | 10 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:09 | 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 12:25 | yes | 6 | 16 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:24 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 5 | 22 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:39 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:28 | yes | 22 | 24 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:42 | yes | 6 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:42 | no | 0 | 31 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:57 | yes | 14 | 19 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:21 | yes | 25 | 30 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:52 | yes | 5 | 19 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:52 | yes | 2 | 12 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:09 | yes | 13 | 24 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:26 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:35 | no | 0 | 5 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 12:33 | no | 0 | 15 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 09:46 | yes | 10 | 6 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:13 | yes | 10 | 30 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:49 | no | 0 | 4 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:06 | yes | 16 | 22 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:28 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:49 | yes | 10 | 22 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:21 | yes | 21 | 30 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:45 | yes | 18 | 30 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:52 | no | 0 | 26 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:10 | yes | 2 | 13 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:08 | yes | 15 | 21 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:16 | yes | 18 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:44 | yes | 4 | 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 12:40 | yes | 12 | 23 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:45 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 10 | 31 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:04 | yes | 5 | 3 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:20 | yes | 23 | 23 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:36 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:13 | yes | 21 | 91 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:45 | yes | 24 | 29 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:58 | yes | 25 | 64 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:05 | yes | 20 | 45 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:41 | yes | 5 | 19 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:22 | yes | 22 | 26 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 AP/AR read as BILL
BlackLine read as BlackLine Cash Application
BlackLine (Mid-Market Cash Application) read as BlackLine Cash Application
NetSuite read as Oracle NetSuite
Quadient read as Quadient Accounts Receivable
Quadient (formerly YayPay) read as Quadient Accounts Receivable
Quadient AR read as Quadient Accounts Receivable
Quadient AR (YayPay) read as Quadient Accounts Receivable
Quadient AR (formerly YayPay) read as Quadient Accounts Receivable
Quadient AR by YayPay read as Quadient Accounts Receivable
QuickBooks read as QuickBooks Online
SAP read as SAP Cash Application
Transformance read as Transformance ClearMatch
Wave Accounting read as Wave
YayPay (now part of Quadient AR) read as Quadient Accounts Receivable
Unresolved, counted raw
03Upflow
Appgate
Apriori
Blackpoint Digital
Cash Application
Emagia AI-powered Cash Application
Finbox
Invoiced’s CashMatch
JAX (by xero Central)
Merchant Cash Advances (MCAs)
Moss Financial
Power Automate (Microsoft)
Quadient YayPay
QuickBooks Online or Xero's built-in matching
RemitParse Growth
Xero Payment Processing
Xero Payments
Discontinued, still offered
No shut-down product was recommended here.