Index › Finance › Receivables and billing › Chargeback management › Small business · November 2026 Edition
Chargeback management for small business buyers
Asked as “chargeback management tool”, and as “payment dispute management software”, on behalf of a small B2B company. 56 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
23%
Contested · Chargeflow 18%
23Chargeblast18Chargeflow11Gaviti48others
23% of first choices, contested.
Since October 2026↗new leaderNew leader since October 2026: Chargeblast (23%) replaces Chargeflow (44% then, 18% now), 5 points clear, inside the 10-point floor.Chargeblast leads at 23%, replacing Chargeflow, which led at 44% and stands at 18% now: 5 points clear, inside the floor, so the swap reads as unsettled. The verdict moved from clear leader to 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.
Small business
Chargeblast23%Contested↗new leaderNew leader since October 2026: Chargeblast (23%) replaces Chargeflow (44% then, 18% now), 5 points clear, inside the 10-point floor.This pageMid-marketChargeblast19%Contested↗new leaderNew leader since October 2026: Chargeblast (19%) replaces Chargeflow (24% then, 15% now), 4 points clear, inside the 10-point floor.Standing →Enterprise
Chargebacks91125%Contested↗new leaderNew leader since October 2026: Chargebacks911 (25%) replaces HighRadius (30% then, 25% now), 0 points clear, inside the 10-point floor.Standing →
Chargeblast23%Contested↗new leaderNew leader since October 2026: Chargeblast (23%) replaces Chargeflow (44% then, 18% now), 5 points clear, inside the 10-point floor.This pageMid-marketChargeblast19%Contested↗new leaderNew leader since October 2026: Chargeblast (19%) replaces Chargeflow (24% then, 15% now), 4 points clear, inside the 10-point floor.Standing →EnterpriseChargebacks91125%Contested↗new leaderNew leader since October 2026: Chargebacks911 (25%) replaces HighRadius (30% then, 25% now), 0 points clear, inside the 10-point floor.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
01Chargeblast23%6%49accepted challenger▲+8Since October 2026: 15% → 23%, +8 points. Inside the 10-point floor: within noise.15% → 23%
Chargeblast23%6%49accepted challenger▲+8Since October 2026: 15% → 23%, +8 points. Inside the 10-point floor: within noise.15% → 23%02
Chargeflow18%11%46accepted challenger▼−26Since October 2026: 44% → 18%, −26 points. Past the 10-point floor: movement.44% → 18%
Chargeflow18%11%46accepted challenger▼−26Since October 2026: 44% → 18%, −26 points. Past the 10-point floor: movement.44% → 18%03Stripe Disputes5%6%17accepted challenger▲+1Since October 2026: 4% → 5%, +1 point. Inside the 10-point floor: within noise.4% → 5%
04
Chargeback.io4%0%11accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise.4% → 4%
Chargeback.io4%0%11accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 10-point floor: within noise.4% → 4%05
ChargebackStop2%4%25accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
ChargebackStop2%4%25accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%06
Disputifier2%0%12accepted challenger▼−4Since October 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise.6% → 2%
Disputifier2%0%12accepted challenger▼−4Since October 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise.6% → 2%07Chargebacks9112%64%28criticized challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Chargebacks9112%64%28criticized challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%Show the eight products at 0%, ordered by negative rate
15Kount Chargeback Management0%58%24criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
14
Signifyd0%56%18criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Signifyd0%56%18criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%13
Midigator0%48%21criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Midigator0%48%21criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%12Verifi0%35%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
11Ethoca0%29%14criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
09
Chargeback Gurus0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Chargeback Gurus0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08PayPal Resolution Center0%8%12accepted 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
Chargeblast vs MidigatorChargeblast vs ChargebackStopChargeblast vs JusttChargeblast vs VerifiChargeflow vs HighRadiusChargeflow vs Chargebacks911Chargeflow vs MidigatorChargeflow vs ChargebackStopChargeflow vs JusttChargeflow vs VerifiHighRadius vs Chargebacks911HighRadius vs MidigatorHighRadius vs ChargebackStopHighRadius vs JusttHighRadius vs VerifiChargebacks911 vs MidigatorChargebacks911 vs ChargebackStopChargebacks911 vs JusttChargebacks911 vs VerifiMidigator vs ChargebackStopMidigator vs JusttMidigator vs VerifiChargebackStop vs JusttChargebackStop vs VerifiJustt vs Verifi
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 →
0102S03
04050607P08
09P10
E11
V12
1314K15
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Chargeblast23%
Chargeblast23%02Chargeflow18%
Chargeflow18%03Stripe Disputes5%
04Chargeback.io4%
Chargeback.io4%05ChargebackStop2%
ChargebackStop2%06Disputifier2%
Disputifier2%07Chargebacks9112%
Chargebacks9112%08PayPal Resolution Center0%
09Chargeback Gurus0%
Chargeback Gurus0%10PayPal Payments0%
11Ethoca0%
12Verifi0%
13Midigator0%
Midigator0%14Signifyd0%
Signifyd0%15Kount Chargeback Management0%
What they warned about
One 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, 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.
Chargebacks91164%
18 of 28 labels negative · 10 of 14 models · 10 hard negative
“The FTC filed a formal complaint against Chargebacks911 ... using this service could expose your business to regulatory scrutiny or FTC action too.” DeepSeek V4 Flash, negative prompt
Kount Chargeback Management
58%
14 of 24 labels negative · 8 of 14 models · 7 hard negative
“Certain configurations of Signifyd, Kount, or legacy fraud detection suites. Why to Avoid:” Qwen 3.7 Flash, negative prompt
Signifyd56%
10 of 18 labels negative · 7 of 14 models · 4 hard negative
“Avoid high-end options like Signifyd, Kount, or Verifi unless your chargeback volume justifies the investment” Grok 4.20, budget prompt
Midigator48%
10 of 21 labels negative · 7 of 14 models · 3 hard negative
“be cautious if someone pitches Midigator as a standalone current product: Kount says the Midigator brand is being sunsetted” GPT-6 Luna, 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
78 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. 901 links across 176 sites, every framing counted. Ranked by the number of answers carrying the site or page. 17 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.
43 answers · 55 citations · 11 models
vendor site · Capterra38 answers · 48 citations · 12 models
vendor site · GetApp37 answers · 57 citations · 11 models
29 answers · 29 citations · 10 models
vendor site · Chargeback.io28 answers · 37 citations · 11 models
23 answers · 25 citations · 9 models
vendor site · Stripe22 answers · 32 citations · 12 models
vendor site · G220 answers · 26 citations · 10 models
vendor site · Capterra20 answers · 25 citations · 8 models
vendor site · Chargeflow17 answers · 25 citations · 11 models
vendor site · Guideflow16 answers · 16 citations · 9 models
13 answers · 13 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.
33 answers · 10 models
31 answers · 12 models
29 answers · 10 models
29 answers · 11 models
23 answers · 9 models
21 answers · 9 models
20 answers · 8 models
20 answers · 11 models
13 answers · 10 models
12 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 “best chargeback management tool”, “chargeback management tool”, “chargeback management tools”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Chargeblast chargeblast.com | 23% | 106 | 1,000 | 12 | 19,270 | 11 | 9 | |
| Chargeflow chargeflow.io | 18% | 171 | 1,600 | 14 | 20,684 | $1,152 | 107 | 1 |
| Gaviti gaviti.com | 11% | 104 | 320 | 4 | 6,043 | 0 | ||
| Stripe parent site Stripe Disputes 5% | 5% | 30 | 823,000 | 102,741 | ||||
| ChargeMate chargemate.tech | 5% | 12 | 70 | 1 | 63 | |||
| Chargeback.io chargeback.io | 4% | 22 | 50 | 0 | 12,231 | 3 | 7 | |
| Lunos lunos.ai | 4% | 13 | 1,000 | 488 | 162 | 1 | ||
| Upflow upflow.io | 4% | 213 | 880 | 102 | 25,361 | |||
| ChargebackStop chargebackstop.com | 2% | 57 | 10 | 0 | 1,188 | 0 | ||
| Disputifier disputifier.com | 2% | 24 | 880 | 6 | 1,673 | 2 |
Google's top ten for the three searches hold 13 sites; 3 of them are among the sites the models cited here (chargeback.io, chargeflow.io, stripe.com). The first result for “best chargeback management tool” is chargeflow.io.
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 chargeback management tool for a small B2B company?”Paraphrase“Which payment dispute management software would you recommend to a small business that sells to other businesses?”Comparative“What are the top chargeback management tools for a small team and how do they differ?”Budget-constrained“What is the best chargeback management tool for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a chargeback management tool. What should we look at?”Negative“Which chargeback management tools should a small business avoid or be cautious about?”
Claude Haiku 4.5Chargebacks911Esker, GavitiChangedChargeflow, JusttDisputifierno first choiceagainst: Chargebacks911, Sift
Four alternatives
Adyen Disputes, Chargeblast, Justt, Stripe DisputesTwo alternatives
Payference, VersapayFour alternatives
Chargeback Gurus, Kount Chargeback Management, Midigator, VerifiThree alternatives
ChargePay, Chargeback.io, MidigatorGPT-5.4 miniChargebackHelp, ChargeflowKolleno, UpflowChangedChargeflow, JusttChargeflowno first choicenothing named
Two alternatives
Sift, SignifydThree alternatives
ChargebackHelp, Chargeflow, TakebackSix alternatives
Adyen Disputes, Braintree, PayPal Resolution Center, Signifyd, Stripe Disputes, Visa RDR / CDRN / Ethoca AlertsOne alternative
ChargebackGemini 3.5 FlashChargeflowChaser, UpflowChangedChargeflow, Justtagainst: Chargebacks911, Kount Chargeback ManagementChargeflowChargeflow, Disputeifier, Justtagainst: Chargebacks911, Equifax, Kount Chargeback Management, Midigatoragainst: Accertify, Chargebacks911, Ethoca, Kount Chargeback Management, Sift, Verifi
Five alternatives
Chargeblast, Disputifier, Stripe Chargeback Protection, SupplyPike, iNymbusThree alternatives
Chargeflow, Gaviti, VersapayFour alternatives
Chargeblast, Disputifier, Shopify Protect, Stripe Chargeback ProtectionThree alternatives
Chargeblast, Disputifier, Shopify ProtectPerplexity SonarChargeflowagainst: Authorize.netGavitiChangedagainst: Chargeflow, EskerChargeflowagainst: Kount Chargeback Management, MidigatorChargeflowagainst: Authorize.net, Chargebacks911, Kount Chargeback Management, Riskified, Signifydno first choiceagainst: Ethoca, Kount Chargeback Management, Midigator, Riskified, Signifyd, Verifi
Two alternatives
Chargeback.io, Chargebacks911Two alternatives
Kolleno, Stripe DisputesSeven alternatives
Adyen Disputes, Chargeback Gurus, Chargebacks911, Ethoca, Justt, Stripe Disputes, VerifiOne alternative
Chargeback.ioGrok 4.20Chargeflowagainst: PayPal PaymentsChargeblastChangedChargeblastagainst: Chargebacks911, Kount Chargeback ManagementChargeblastagainst: Chargebacks911, Kount Chargeback Management, Midigator, Signifyd, Verifino first choiceagainst: Forter, Signifydagainst: Chargeback Gurus, Chargebacks911, Midigator
Two alternatives
ChargebackStop, ChargeblastFour alternatives
BILL, Chargeflow, Chaser, PayPal PaymentsSeven alternatives
Chargeback Gurus, Disputifier, PayPal Payments, Sift, Signifyd, Stripe Radar, VerifiFour alternatives
ChargebackStop, Chargeflow, PayPal Payments, Stripe DisputesMistral SmallChargeMateGavitiChangedagainst: HighRadiusChargeblast, ChargeflowChargeMate, Chargeblastno first choiceagainst: Authorize.net, ChargeSentry, Chargebacks911, Kount Chargeback Management
One alternative
ChargeflowTwo alternatives
Chargeblast, LunosThree alternatives
ChargebackStop, Disputifier, PayPal PaymentsDeepSeek V4 FlashChargeblastGavitiChangedagainst: Chargebacks911, Chargeblast, Chargeflow, Ethoca, HighRadius, Quavo, VerifiChargeblast, Chargeflowagainst: Chargebacks911, Kount Chargeback Management, MidigatorChargeback.iono first choiceagainst: Chargebacks911, Chargeflow, Kount Chargeback Management, Midigator, Signifyd
Four alternatives
ChargebackGurus, ChargebackStop, PayPal Resolution Center, Stripe DisputesTwo alternatives
Kolleno, SidetradeTwo alternatives
ChargeMate, ChargebackStopTwo alternatives
ChargebackStop, ChargeblastTwo alternatives
Chargebacks911, ChargeblastLlama 4 Maverickno first choiceno first choiceHeldChargeblastChargeblastno first choicenothing named
Two alternatives
ChargebackStop, PayPal PaymentsThree alternatives
ChargebackStop, FUGU, PayPal PaymentsQwen 3.7 FlashChargeflowagainst: VisaLunosChangedChargeblastChargeblastagainst: ChargebackStopNoFraudagainst: Signifyd, Verifiagainst: ChargeAutomation, Chargebacks911, Chargeflow, Kount Chargeback Management, Signifyd
Two alternatives
Chargeblast, MidigatorTwo alternatives
Chargeflow, GavitiThree alternatives
ChargebackStop, Disputely, DisputifierThree alternatives
PayPal Resolution Center, Square, Stripe DisputesOne alternative
KlarnaKimi K2ChargeflowGaviti, PaidniceChangedChargeblastChargeback.io, Chargeblastagainst: Kount Chargeback Management, Signifydno first choiceagainst: Chargebacks911, Global Payments, Heartland Payment Systems, North American Bancard
Four alternatives
Chargeback.io, ChargebackStop, Chargebacks911, ChargeblastThree alternatives
Chargeblast, Credit-IQ, InvoicedFour alternatives
ChargebackStop, Midigator, PayPal Resolution Center, SiftTwo alternatives
PayPal Payments, SEONGLM 4.7 FlashXChargeblastagainst: MidigatorStripe DisputesChangedChargeflowagainst: PayPal PaymentsChargeblastno first choiceagainst: Ethoca, PayPal Resolution Center, Verifi
Three alternatives
ChargebackStop, Chargeflow, PayPal's built-in protectionThree alternatives
Chargeblast, Gaviti, SupplyPikeFour alternatives
Chargeback Gurus, ChargebackHelp, ChargebackStop, ChargeblastThree alternatives
ChargebackStop, PayPal Seller Protection, Stripe Chargeback ProtectionMiniMax M2.5ChargebackStop, ChargeblastLeanPay, VersapayChangedagainst: ChargeblastChargeblast, Disputifieragainst: Kount Chargeback Management, SignifydChargeblastno first choiceagainst: Chargebacks911, MyChargeBack
Two alternatives
Chargeflow, SignifydOne alternative
BilltrustOne alternative
ChargebackStopTwo alternatives
ChargebackStop, DisputifierGPT-6 LunaStripe DisputesQuickBooksChangedStripe DisputesShopify Payments, Stripe Disputesno first choiceagainst: Chargeflow, Midigator, Stripe Disputes, Visa
One alternative
ChargeflowThree alternatives
Chargeflow, Monk, UpflowThree alternatives
Chargeblast, Chargeflow, DisputifierOne alternative
ChargeflowMuse Glimmer 30BChargeblastagainst: Chargebacks911Gaviti, LunosChangedChargeblast, Chargeflowagainst: Chargebacks911, MidigatorChargeMateChargeblastagainst: Chargebacks911, Chargeblast, PayPal Payments, Signifyd
One alternative
ChargeflowOne alternative
ChargeblastFour alternatives
Chargeback Gurus, Chargeback.io, ChargebackStop, DisputifierOne alternative
ChargeblastThree alternatives
Chargeback Gurus, ChargebackStop, Chargebacks911Bold 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 09:59 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:53 | yes | 3 | 4 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:40 | yes | 8 | 22 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:48 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 12 | 29 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:05 | yes | 8 | 7 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:35 | yes | 20 | 27 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:43 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:59 | yes | 12 | 48 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:09 | yes | 17 | 69 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:38 | yes | 21 | 31 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:32 | yes | 11 | 31 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:10 | yes | 2 | 10 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:39 | yes | 17 | 28 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:53 | yes | 9 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:05 | yes | 3 | 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 12:33 | yes | 8 | 18 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:23 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:30 | yes | 15 | 29 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:07 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:38 | yes | 23 | 26 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:55 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:56 | yes | 14 | 55 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:47 | yes | 20 | 26 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:06 | yes | 9 | 59 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:52 | yes | 5 | 26 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:16 | yes | 3 | 24 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:56 | yes | 14 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:40 | yes | 16 | 11 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:14 | yes | 3 | 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 12:52 | yes | 8 | 21 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 09:26 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:15 | yes | 5 | 32 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:29 | yes | 5 | 5 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:26 | yes | 23 | 28 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:58 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:30 | yes | 10 | 28 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:52 | yes | 22 | 33 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:25 | yes | 22 | 55 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:28 | yes | 19 | 56 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:01 | yes | 4 | 16 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:45 | yes | 13 | 32 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:11 | yes | 17 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:45 | yes | 3 | 4 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 11:22 | yes | 12 | 19 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 08:44 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 5 | 26 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:44 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:38 | yes | 22 | 21 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:30 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:58 | yes | 15 | 57 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:40 | yes | 9 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:57 | yes | 25 | 127 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:33 | yes | 5 | 19 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:50 | yes | 3 | 12 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:37 | yes | 11 | 16 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:16 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:16 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:32 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 09:32 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:28 | yes | 5 | 30 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:13 | no | 0 | 5 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:12 | yes | 17 | 23 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:48 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:55 | no | 0 | 28 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:09 | yes | 10 | 44 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:35 | no | 0 | 16 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:29 | yes | 5 | 41 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:43 | yes | 1 | 13 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:38 | yes | 15 | 20 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:57 | yes | 19 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:56 | yes | 4 | 5 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 09:46 | yes | 12 | 23 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:45 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:23 | yes | 21 | 38 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:33 | yes | 12 | 8 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:12 | yes | 25 | 26 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:34 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:58 | yes | 18 | 90 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:28 | yes | 24 | 58 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:43 | yes | 23 | 193 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:14 | yes | 24 | 43 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:13 | yes | 4 | 24 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:48 | yes | 21 | 28 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
Adyen read as Adyen Disputes
Kount read as Kount Chargeback Management
PayPal read as PayPal Resolution Center
PayPal (Built-in) read as PayPal Resolution Center
PayPal Business read as PayPal Resolution Center
Shopify read as Shopify Payments
Stripe read as Stripe Disputes
Stripe Smart Disputes read as Stripe Disputes
Unresolved, counted raw
CDRN
ChargeAutomation
DisputeBee
Disputeifier
Heartland Payment Systems
Kloutit
North American Bancard
PayPal's built-in protection
Payference
Shopify's chargeback management software
Visa RDR / CDRN / Ethoca Alerts
Discontinued, still offered
No shut-down product was recommended here.