Index › Finance › Receivables and billing › Chargeback management › Enterprise · November 2026 Edition
Chargeback management for enterprise buyers
Asked as “chargeback management tool”, and as “payment dispute management software”, on behalf of an enterprise 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
25%
Contested · HighRadius 25%
25Chargebacks91125HighRadius07Midigator43others
25% of first choices, contested.
Since October 2026↗new leaderNew leader since October 2026: Chargebacks911 (25%) replaces HighRadius (30% then, 25% now), 0 points clear, inside the 10-point floor.Chargebacks911 leads at 25%, replacing HighRadius, which led at 30% and stands at 25% now: 0 points clear, inside the floor, so the swap reads as unsettled.
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.Standing →Mid-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.This page
Chargeblast23%Contested↗new leaderNew leader since October 2026: Chargeblast (23%) replaces Chargeflow (44% then, 18% now), 5 points clear, inside the 10-point floor.Standing →Mid-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.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Chargebacks91125%17%48accepted challenger▲+9Since October 2026: 16% → 25%, +9 points. Inside the 10-point floor: within noise.16% → 25%
Chargebacks91125%17%48accepted challenger▲+9Since October 2026: 16% → 25%, +9 points. Inside the 10-point floor: within noise.16% → 25%02
HighRadius25%0%18accepted challenger▼−5Since October 2026: 30% → 25%, −5 points. Inside the 10-point floor: within noise.30% → 25%
HighRadius25%0%18accepted challenger▼−5Since October 2026: 30% → 25%, −5 points. Inside the 10-point floor: within noise.30% → 25%03
Midigator7%9%22accepted challenger▲+7Since October 2026: 0% → 7%, +7 points. Inside the 10-point floor: within noise.0% → 7%
Midigator7%9%22accepted challenger▲+7Since October 2026: 0% → 7%, +7 points. Inside the 10-point floor: within noise.0% → 7%04
Justt5%16%32accepted challenger▲+1Since October 2026: 4% → 5%, +1 point. Inside the 10-point floor: within noise.4% → 5%
Justt5%16%32accepted challenger▲+1Since October 2026: 4% → 5%, +1 point. Inside the 10-point floor: within noise.4% → 5%05
Riskified2%14%21accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Riskified2%14%21accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%06
Accertify2%0%13accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Accertify2%0%13accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%07
Chargeback Gurus2%0%10accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Chargeback Gurus2%0%10accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%08
Sift2%8%12accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Sift2%8%12accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%09Chargeblast2%24%17accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Chargeblast2%24%17accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%10
Chargeflow2%37%43criticized challenger▼−6Since October 2026: 8% → 2%, −6 points. Inside the 10-point floor: within noise.8% → 2%
Chargeflow2%37%43criticized challenger▼−6Since October 2026: 8% → 2%, −6 points. Inside the 10-point floor: within noise.8% → 2%Show the four products at 0%, ordered by negative rate
14Ethoca0%30%20criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
13Verifi0%24%21accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
11Kount Chargeback Management0%19%21accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
12
Signifyd0%15%13accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%
Signifyd0%15%13accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 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.
For buyers
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not enterprise.
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 →
01020304050607080910K11
12V13
E14
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Chargebacks91125%
Chargebacks91125%02HighRadius25%
HighRadius25%03Midigator7%
Midigator7%04Justt5%
Justt5%05Riskified2%
Riskified2%06Accertify2%
Accertify2%07Chargeback Gurus2%
Chargeback Gurus2%08Sift2%
Sift2%09Chargeblast2%
Chargeblast2%10Chargeflow2%
Chargeflow2%11Kount Chargeback Management0%
12Signifyd0%
Signifyd0%13Verifi0%
14Ethoca0%
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.
Chargeflow37%
16 of 43 labels negative · 10 of 14 models · 8 hard negative
“large enterprises should be wary of or consider alternatives to the following types of tools and specific vendors: ... Tools like Chargeflow and Disputifier often dominate reviews for small-to-medium businesses” Qwen 3.7 Flash, negative prompt
Chargebacks91117%
8 of 48 labels negative · 8 of 14 models · 4 hard negative
“a vendor with a settled FTC action banning deceptive chargeback mitigation practices and restricting client types is a material counter-party risk” Muse Glimmer 30B, negative prompt
Justt16%
5 of 32 labels negative · 5 of 14 models · 2 hard negative
“Avoid success-based vendors (Chargeflow, Justt, Stripe Smart Disputes)” Gemini 3.5 Flash, budget prompt
Ethoca
30%
6 of 20 labels negative · 5 of 14 models
“Ethoca and Verifi are primarily pre-dispute alert networks, not full representment and case-management systems... relying on either alone leaves post-chargeback workflows uncovered” Perplexity Sonar, 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
80 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. 984 links across 226 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.
vendor site · GetApp35 answers · 42 citations · 11 models
vendor site · Capterra29 answers · 34 citations · 11 models
vendor site · Sourceforge28 answers · 31 citations · 9 models
22 answers · 23 citations · 10 models
21 answers · 21 citations · 10 models
vendor site · Chargeflow20 answers · 30 citations · 10 models
vendor site · Chargeback.io20 answers · 25 citations · 11 models
20 answers · 21 citations · 9 models
vendor site · Guideflow19 answers · 20 citations · 11 models
vendor site · Capterra17 answers · 19 citations · 8 models
16 answers · 16 citations · 8 models
vendor site · Justt15 answers · 18 citations · 10 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.
34 answers · 11 models
27 answers · 9 models
23 answers · 9 models
20 answers · 9 models
20 answers · 9 models
19 answers · 10 models
16 answers · 8 models
13 answers · 7 models
13 answers · 7 models
12 answers · 9 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 |
|---|---|---|---|---|---|---|---|---|
| Chargebacks911 chargebacks911.com | 25% | 101 | 1,300 | 2 | 25,560 | $10,227 | 36 | 8 |
| HighRadius highradius.com | 25% | 604 | 6,600 | 118 | 294,561 | $2,272 | 120 | |
| Midigator midigator.com | 7% | 55 | 260 | 4 | ||||
| Justt justt.ai | 5% | 61 | 590 | 2 | 6,068 | $2,094 | 14 | |
| Billtrust billtrust.com | 4% | 362 | 6,600 | 159 | 50,343 | $718 | 15 | |
| Ethoca Alerts | 4% | |||||||
| Finout finout.io | 4% | 4 | 880 | 10 | 40,296 | 30 | ||
| Riskified riskified.com | 2% | 135 | 2,400 | 80 | 5,111 | 8 | 7 | |
| Accertify accertify.com | 2% | 38 | 1,900 | 52 | 1,138 | 26 | 1 | |
| Chargeback Gurus chargeback.io | 2% | 33 | 390 | 5 | 12,231 | 3 | 7 |
Google's top ten for the three searches hold 13 sites; 2 of them are among the sites the models cited here (chargeback.io, chargeflow.io). 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 an enterprise B2B company?”Paraphrase“Which payment dispute management software would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade chargeback management tools and how do they differ?”Budget-constrained“What is the best chargeback management tool for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a chargeback management tool. What should we look at?”Negative“Which chargeback management tools should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5Chargebacks911HighRadiusChangedJusttClearSaleno first choicenothing named
Three alternatives
Accertify, Justt, QuavoTwo alternatives
BlackLine, KollenoFour alternatives
Accertify, Chargeback Gurus, Quavo, RiskifiedTwo alternatives
Kount Chargeback Management, RiskifiedGPT-5.4 miniBilltrust, JusttBilltrustChangedRiskifiedagainst: Stripe DisputesFinoutagainst: Cloudability, ComScino first choiceagainst: Riskified
Three alternatives
Chargebacks911, HighRadius, Kount Chargeback ManagementThree alternatives
Chargebacks911, HighRadius, JusttSix alternatives
Accertify, Chargebacks911, Equifax Chargeback Management, Ethoca, Pega Smart Dispute, VerifiOne alternative
brightfin IT Financial ManagementGemini 3.5 FlashAccertify, HighRadiusHighRadiusChangedJusttIBM Apptio, Siftagainst: Chargeflow, Justt, Stripe Disputesno first choiceagainst: Ethoca, Verifi
Five alternatives
Billtrust, Chargebacks911, Justt, SupplyPike, iNymbusFour alternatives
Billtrust, BlackLine, Esker, iNymbusSeven alternatives
Chargeback Gurus, Chargebacks911, Kount Chargeback Management, Midigator, Riskified, Sift, SignifydSeven alternatives
CloudHealth by VMware, CloudZero, DisputeDash, Kount Chargeback Management, Payrails, Riskified, ServiceNow IT Financial ManagementPerplexity SonarChargebacks911against: EthocaHighRadiusChangedAccertifyQuavoagainst: Chargeflowno first choiceagainst: Chargebacks911, Chargeflow, Ethoca, Forter, Justt, Kount Chargeback Management, Riskified, Signifyd, Verifi
Two alternatives
Accertify, JusttTwo alternatives
Esker, VersapayEight alternatives
Chargebacks911, Chargeflow, Ethoca, Justt, Quavo, Riskified, Signifyd, VerifiOne alternative
Chargebacks911Grok 4.20Chargebacks911against: ChargebackStop, ChargeblastHighRadiusChangedChargebacks911against: MidigatorChargebacks911against: Chargeblast, Chargeflow, Forter, Justt, Kount Chargeback Management, Signifydno first choiceagainst: Chargebacks911, Chargeflow, Ethoca, Sift, Verifi
Three alternatives
Chargeflow, Justt, MidigatorTwo alternatives
Gaviti, KollenoFour alternatives
Chargeflow, Ethoca, Justt, VerifiThree alternatives
Chargeback Gurus, DisputeDash, MidigatorMistral SmallChargebacks911, Ethoca AlertsHighRadiusChangedChargebacks911, Kount Chargeback ManagementChargebacks911, Justtno first choiceagainst: Chargebacks911, Chargeflow, Kount Chargeback Management
One alternative
JusttThree alternatives
Esker, Gaviti, KollenoFive alternatives
Chargeback Gurus, ChargebackStop, Chargeblast, ClearSale, MidigatorTwo alternatives
Signifyd, csideDeepSeek V4 FlashChargeback Gurus, Chargebacks911against: ChargeflowHighRadiusChangedMidigatorMidigatoragainst: ChargeMate, Chargeback.io, Chargeflow, Justt, Riskified, avoided.io, incentXno first choiceagainst: ChargeSentry, ChargebackStop, Chargebacks911, Chargeblast, Chargeflow, Fi911, MidMetrics
Two alternatives
Justt, Kount Chargeback ManagementOne alternative
ParaglideSix alternatives
Accertify, Chargebacks911, Chargeflow, Justt, Riskified, VerifiOne alternative
Chargebacks911Llama 4 MaverickChargeblastHighRadiusChangedno first choiceChargebacks911no first choiceagainst: Chargebacks911, Chargeflow
One alternative
ChargebackStopQwen 3.7 FlashMidigatorHighRadiusChangedChargeflowChargebacks911against: Chargeflowno first choiceagainst: Chargeflow, Disputifier, Ethoca, Kount Chargeback Management, Verifi
Three alternatives
Accertify, Chargeflow, RiskifiedThree alternatives
BlackLine, Kolleno, PS SigniteFive alternatives
Chargebacks911, Ethoca, Riskified, Signifyd, VerifiThree alternatives
Beast Insights, Midigator, SignifydKimi K2Chargebacks911, MidigatorHighRadius, SerralaChangedChargebacks911Beast Insights, Chargebacks911against: Chargeblast, ChargeflowChargeflowagainst: ChargeMate, Chargebacks911, Justtagainst: Chargeflow, Fiserv
Three alternatives
Kount Chargeback Management, Riskified, SiftTwo alternatives
Gaviti, SidetradeFour alternatives
Chargeback Gurus, Justt, Midigator, SiftOne alternative
SiftOne alternative
Lean IndustriesGLM 4.7 FlashXChargebacks911HighRadiusChangedno first choiceincentXno first choiceagainst: Chargeback911
Three alternatives
ChargebackStop, Chargeblast, ChargeflowFour alternatives
Chargeblast, Chargeflow, Ethoca, QuavoEight alternatives
Apptio Cloudability, Chargebacks911, Chargeblast, Chargeflow, HighRadius, IBM Cloudability, Riskified, ServiceNow IT Financial ManagementTwo alternatives
ChargeMate, ChargeflowMiniMax M2.5Chargebacks911, Ethoca AlertsHighRadiusChangedChargebackGurus, JusttBinadoxMidigatornothing named
One alternative
JusttThree alternatives
Billtrust, Gaviti, iNymbusSix alternatives
Accertify, Chargebacks911, Chargeflow, ClearSale, Riskified, VerifiTwo alternatives
Flexera One, PayrailsTwo alternatives
Chargebacks911, ChargeflowGPT-6 LunaJusttHighRadiusChangedEthoca, VerifiFinoutno first choiceagainst: Chargebacks911, Chargeflow, Ethoca, Midigator, Verifi
Two alternatives
Chargebacks911, Stripe DisputesThree alternatives
Accertify, Esker, SidetradeFive alternatives
Chargebacks911, Chargeflow, Justt, Kount Chargeback Management, Lean Industries AdjustmentHubOne alternative
CloudZeroMuse Glimmer 30BChargebacks911, FUGU, RiskifiedHighRadiusChangedChargebacks911Vantageagainst: Chargeback.io, Chargeflowno first choiceagainst: Chargebacks911, avoided.io
Two alternatives
ChargebackStop, ChargeflowThree alternatives
Chargebacks911, Chargeflow, JusttTwo alternatives
Midigator, SignifydTwo alternatives
Chargebacks911, IBM Cloudability, formerly Apptio CloudabilityBold 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 12:26 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:02 | 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 10:55 | yes | 12 | 19 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:16 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:28 | yes | 14 | 29 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:12 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:58 | yes | 24 | 26 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:33 | yes | 5 | 4 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:18 | yes | 10 | 45 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:08 | yes | 18 | 51 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:48 | yes | 20 | 24 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:03 | yes | 8 | 59 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:07 | yes | 3 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:51 | yes | 11 | 21 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:27 | yes | 9 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:21 | yes | 2 | 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 09:20 | yes | 10 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:18 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 9 | 31 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:03 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:48 | yes | 24 | 29 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:45 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:41 | yes | 5 | 25 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:23 | yes | 10 | 50 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:24 | yes | 14 | 19 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:41 | yes | 23 | 43 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:12 | yes | 3 | 11 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:27 | yes | 13 | 15 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:34 | yes | 10 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:04 | yes | 5 | 10 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 10:32 | yes | 10 | 28 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 09:28 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 9 | 33 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:29 | yes | 19 | 16 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:45 | yes | 22 | 41 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:17 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:07 | yes | 10 | 25 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:08 | yes | 25 | 37 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:02 | yes | 23 | 60 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:48 | yes | 14 | 43 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:07 | yes | 8 | 27 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:44 | yes | 15 | 25 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:13 | yes | 18 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:31 | 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 08:49 | yes | 9 | 20 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:45 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 15 | 31 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:16 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:08 | yes | 20 | 21 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:03 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:14 | yes | 13 | 71 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:50 | yes | 23 | 94 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:55 | yes | 22 | 23 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:59 | yes | 18 | 50 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:38 | yes | 3 | 17 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:43 | yes | 15 | 23 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:50 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:28 | yes | 4 | 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 10:44 | no | 0 | 18 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 09:49 | yes | 10 | 10 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 5 | 33 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:28 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:59 | yes | 19 | 32 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:56 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:36 | no | 0 | 33 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:03 | yes | 23 | 51 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:55 | yes | 25 | 47 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:53 | yes | 14 | 28 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:18 | yes | 3 | 18 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:41 | yes | 14 | 26 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:44 | yes | 26 | 13 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:54 | 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 09:40 | yes | 8 | 29 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:09 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 16 | 31 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:23 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:30 | yes | 25 | 37 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:17 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:00 | yes | 9 | 40 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:14 | yes | 25 | 30 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:34 | yes | 22 | 67 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:06 | yes | 21 | 91 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:59 | yes | 4 | 22 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:58 | yes | 23 | 29 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
Kount (Equifax) read as Kount Chargeback Management
Kount (an Equifax Company) read as Kount Chargeback Management
Kount (by Equifax) read as Kount Chargeback Management
PayPal read as PayPal Resolution Center
Stripe read as Stripe Disputes
Stripe Smart Disputes read as Stripe Disputes
Unresolved, counted raw
Amnic
Apptics
Apptio Cloudability
Binadox
Chargeback Management in Kount 360
CloudHealth by VMware
Cloudability
Disputed.ai
Equifax Chargeback Management (formerly Midigator)
FUGU Risk
Fi911
IBM Apptio (Apptio Costing & TBM)
IBM Cloudability
IBM Cloudability, formerly Apptio Cloudability
Kubecost
Lean Industries
Lean Industries AdjustmentHub
PS Signite (formerly PSignite)
Pega Smart Dispute
Represent (by Forter)
Visa Verifi (RDR)
brightfin IT Financial Management
Discontinued, still offered
No shut-down product was recommended here.