Embedded payments platforms
Asked as “embedded payments platform”, and as “payfac-as-a-service provider for SaaS”, on behalf of a mid-market B2B company. 50 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
48%
Clear leader
48Stripe Connect26Finix04Helcim22others
48% of first choices, clear leader.
Since October 2026▼−5Since October 2026: 53% → 48%, −5 points. Inside the 10-point floor: within noise.Stripe Connect held the lead, −5 points on 53%, 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
Stripe Connect60%Clear leader▲+6Since October 2026: 54% → 60%, +6 points. Inside the 10-point floor: within noise.Standing →Mid-marketStripe Connect48%Clear leader▼−5Since October 2026: 53% → 48%, −5 points. Inside the 10-point floor: within noise.This pageEnterprise
Adyen for Platforms39%Contested▼−4Since October 2026: 43% → 39%, −4 points. Inside the 10-point floor: within noise.Standing →
Stripe Connect60%Clear leader▲+6Since October 2026: 54% → 60%, +6 points. Inside the 10-point floor: within noise.Standing →Mid-marketStripe Connect48%Clear leader▼−5Since October 2026: 53% → 48%, −5 points. Inside the 10-point floor: within noise.This pageEnterpriseAdyen for Platforms39%Contested▼−4Since October 2026: 43% → 39%, −4 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 mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Stripe Connect48%16%67endorsed leader▼−5Since October 2026: 53% → 48%, −5 points. Inside the 10-point floor: within noise.53% → 48%
Stripe Connect48%16%67endorsed leader▼−5Since October 2026: 53% → 48%, −5 points. Inside the 10-point floor: within noise.53% → 48%02
Finix26%7%44accepted challenger▲+12Since October 2026: 14% → 26%, +12 points. Past the 10-point floor: movement.14% → 26%
Finix26%7%44accepted challenger▲+12Since October 2026: 14% → 26%, +12 points. Past the 10-point floor: movement.14% → 26%03Adyen for Platforms2%17%47accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Adyen for Platforms2%17%47accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%04
Rainforest2%0%21accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Rainforest2%0%21accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%05
Square2%30%10criticized challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Square2%30%10criticized challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%Show the four products at 0%, ordered by negative rate
09
PayPal0%45%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
PayPal0%45%11criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Worldpay for Platforms0%17%12accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Worldpay for Platforms0%17%12accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%06
Payrix0%11%19accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Payrix0%11%19accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Stax Connect0%6%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Stax Connect0%6%16accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
Head to head
All ten head-to-head pages: the top five products, each against each
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
010203040506070809Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Stripe Connect48%
Stripe Connect48%02Finix26%
Finix26%03Adyen for Platforms2%
Adyen for Platforms2%04Rainforest2%
Rainforest2%05Square2%
Square2%06Payrix0%
Payrix0%07Stax Connect0%
Stax Connect0%08Worldpay for Platforms0%
Worldpay for Platforms0%09PayPal0%
PayPal0%What they warned about
Two of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, 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.
Stripe Connect16%
11 of 67 labels negative · 9 of 14 models
“Stripe is widely used for its developer tools and brand power, but it has limitations for smaller platforms: revenue share is only available at very high processing volumes, and disbursement options are limited.” Mistral Small, negative prompt
Adyen for Platforms17%
8 of 47 labels negative · 6 of 14 models · 1 hard negative
“Providers like Adyen, Worldpay (Payrix), or legacy payment facilitators often require $1,000+ monthly minimum fees... Avoid these until you scale.” Gemini 3.5 Flash, budget prompt
PayPal45%
5 of 11 labels negative · 5 of 14 models
“Legacy Architecture: For modern, real-time embedded experiences, PayPal's backend can feel clunky” Qwen 3.7 Flash, negative prompt
Synapse Financial Technologies
100%
3 of 3 labels negative · 3 of 14 models · 3 hard negative
“The most significant recent warning is Synapse Financial Technologies... filed for Chapter 11 bankruptcy in April 2024” MiniMax M2.5, 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
77 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. 939 links across 266 sites, every framing counted. Ranked by the number of answers carrying the site or page. 3 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 · Stripe38 answers · 81 citations · 12 models
vendor site · Whop34 answers · 48 citations · 12 models
vendor site · Global Payments29 answers · 52 citations · 11 models
vendor site · Sourceforge25 answers · 33 citations · 12 models
vendor site · Finix21 answers · 35 citations · 10 models
19 answers · 23 citations · 12 models
vendor site · Guideflow16 answers · 18 citations · 9 models
15 answers · 18 citations · 7 models
vendor site · G213 answers · 17 citations · 11 models
vendor site · Usio13 answers · 13 citations · 6 models
vendor site · Adyen12 answers · 18 citations · 9 models
vendor site · Fiska12 answers · 15 citations · 6 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
32 answers · 12 models
16 answers · 9 models
15 answers · 10 models
14 answers · 7 models
13 answers · 6 models
12 answers · 7 models
12 answers · 7 models
10 answers · 5 models
9 answers · 4 models
9 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 embedded payments platform”, “embedded payments platform”, “embedded payments platforms”. 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 |
|---|---|---|---|---|---|---|---|---|
| Stripe stripe.com Stripe Connect 48% | 48% | 218 | 823,000 | 102,741 | 3,226,782 company | $3,621 | 102 | 1 |
| Finix finix.com | 26% | 124 | 3,600 | 101 | 6,171 | $820 | 40 | |
| Rainforest rainforestpay.com Rainforest Payments 4%, Rainforest 2% | 6% | 35 | 110,000 | 70,912 | 775 | 1 | ||
| Helcim helcim.com | 4% | 121 | 12,100 | 143 | 52,527 | 28 | ||
| Adyen for Platforms adyen.com | 2% | 128 | 170 | 5 | 126,446 | $7,702 | 84 | |
| Square squareup.com | 2% | 86 | 1,000,000 | 497,526 | 3,658,565 | $9 | 99 | |
| TreviPay trevipay.com | 2% | 139 | 2,400 | 60 | 40,661 | $8 | 13 | |
| Exact Payments | 2% | |||||||
| HighRadius highradius.com | 2% | 604 | 6,600 | 118 | 294,561 | $2,272 | 120 | |
| Balance getbalance.com | 2% | 59 | 135,000 | 530,217 | 1,277 | 2 |
Google's top ten for the three searches hold 25 sites; 4 of them are among the sites the models cited here (fiska.com, g2.com, sourceforge.net, stripe.com). The first result for “best embedded payments platform” is revenuebase.ai.
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 embedded payments platform for a mid-market B2B company?”Paraphrase“Which payfac-as-a-service provider for SaaS would you recommend to a mid-sized B2B company?”Comparative“What are the top embedded payments platforms and how do they differ?”Budget-constrained“What is the best embedded payments platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating an embedded payments platform. What should we look at?”Negative“Which embedded payments platforms should I avoid or be cautious about?”
Claude Haiku 4.5HighRadiusRainforest PaymentsChangedagainst: Stripe ConnectStripe ConnectExact Payments, Sola Paymentsno first choicenothing named
Three alternatives
Adyen for Platforms, AvidXchange, TipaltiOne alternative
FinixTwo alternatives
Adyen for Platforms, UnitTwo alternatives
EBizCharge, MollieGPT-5.4 miniStripe ConnectStripe ConnectHeldStripe ConnectStripe Connectagainst: Adyen for Platformsno first choicenothing named
Three alternatives
Adyen for Platforms, EBizCharge, FinixTwo alternatives
Adyen for Platforms, Worldpay for PlatformsFour alternatives
Finix, J.P. Morgan Embedded Payments, Payabli, Stax ConnectOne alternative
FinixGemini 3.5 FlashBalance, TreviPayFinix, Rainforest PaymentsChangedagainst: Payrix, Stripe ConnectStripe ConnectStripe Connectagainst: Adyen for Platforms, Finix, Worldpay for Platformsno first choiceagainst: PayPal, Stripe Connect
Five alternatives
Adyen for Platforms, EBizCharge, Finix, Fortis, Stripe ConnectTwo alternatives
Infinicept, TilledFour alternatives
Adyen for Platforms, Finix, Mangopay, RainforestFour alternatives
Dwolla, Moov, Rainforest Pay, Square for PlatformsPerplexity SonarStripe ConnectFinixChangedagainst: Adyen for PlatformsStripe ConnectStripe Connectagainst: Adyen for Platforms, Finixno first choiceagainst: Braintree, Global Payments for Platforms, Lightspeed, Mollie Connect, NMI
Two alternatives
Adyen for Platforms, FinixThree alternatives
Payrix, Rainforest, Stripe ConnectEight alternatives
Adyen for Platforms, Checkout.com Platforms, Dwolla, Finix, Mangopay, Marqeta, Rainforest Pay, RapydThree alternatives
Mollie Connect, Square, WhopGrok 4.20Stripe Connectagainst: NMI, WePayFinixChangedagainst: PayrixStripe ConnectStripe Connectagainst: Adyen for PlatformsStripe Connectagainst: Adyen for Platforms, Braintree, Plaid, Square, Stripe Connect, Toast, Unit
Two alternatives
Adyen for Platforms, FinixFour alternatives
Adyen for Platforms, Rainforest, Stax Connect, Stripe ConnectFour alternatives
Adyen for Platforms, Finix, Payrix, WePayFour alternatives
Helcim, Paddle, PayPal, SquareFive alternatives
Adyen for Platforms, Global Payments for Platforms, Modern Treasury, PayPal Braintree, PayabliMistral SmallFinixStripe ConnectChangedStripe Connectagainst: PayPalStripe Connectno first choiceagainst: Stripe Connect
Three alternatives
Adyen for Platforms, NMI Payments, Stripe ConnectFour alternatives
Adyen for Platforms, Finix, Global Payments for Platforms, NMI PaymentsSeven alternatives
Adyen for Platforms, Mercuryo, Nuvei, Paddle, Rapyd, Spreedly, WePayTwo alternatives
EBizCharge, PaddleDeepSeek V4 FlashStripe ConnectFinixChangedagainst: Stripe ConnectStripe ConnectHelcim, Stripe Connectno first choiceagainst: Crypto.com, Instamojo, Payoneer, Razorpay
Five alternatives
Adyen for Platforms, Finix, HighRadius, Invoiced, RainforestThree alternatives
Adyen for Platforms, Stax Connect, TilledEight alternatives
Adyen for Platforms, Finix, Mangopay, Mollie Connect, Rainforest, Stax Connect, Whop, Worldpay for PlatformsTwo alternatives
PayPal, SquareLlama 4 Maverickno first choiceRainforestChangedno first choiceStripe Connectno first choicenothing named
One alternative
CoinflowFour alternatives
EBizCharge, Exact Payments, NMI Payments, WallesterQwen 3.7 FlashStripe ConnectFinixChangedStripe ConnectStripe Connectagainst: EBizChargeno first choiceagainst: Nayax, PayPal, Razorpay, Stripe Connect
Four alternatives
Adyen for Platforms, Chargebee, Dwolla, TipaltiThree alternatives
Payrix, Stax Connect, Stripe ConnectSeven alternatives
Adyen for Platforms, Braintree, Checkout.com Platforms, Marqeta, PayPal, Rapyd, SquareTwo alternatives
Embed, Rainforest PayKimi K2FinixFinixHeldStripe ConnectStripe Connectno first choiceagainst: Blue Ridge Bank, Evolve Bank & Trust, Synapse Financial Technologies
Two alternatives
Moov, Stripe ConnectThree alternatives
Adyen for Platforms, Payrix, Stripe ConnectThree alternatives
Adyen for Platforms, Finix, RainforestFour alternatives
Embed, Finix, Helcim, WhopGLM 4.7 FlashXStripe ConnectFinixChangedStripe ConnectHelcimagainst: EBizCharge, Payment Depot, Stax Connectno first choiceagainst: Hokodo, Klump, Parker, Synapse Financial Technologies, ePayments Systems Limited
Four alternatives
Adyen for Platforms, EBizCharge, Finix, RainforestFour alternatives
Payrix, Rainforest, Stripe Connect, Worldpay for PlatformsFive alternatives
Airwallex, Mercuryo, Paddle, Rapyd, WePayTwo alternatives
Embed, Stripe ConnectMiniMax M2.5Finix, Stripe ConnectFinixChangedStripe Connectagainst: Synapse FinancialConnectPay, Stripe Connectno first choiceagainst: Cross River, Evolve Bank, PayPal, Square, Stripe Connect, Synapse Financial Technologies, The Bancorp
Three alternatives
Adyen for Platforms, NMI, SpreedlyThree alternatives
Adyen for Platforms, Global Payments for Platforms, Stripe Connect ExpressThree alternatives
Adyen for Platforms, Braintree, Checkout.com PlatformsThree alternatives
Helcim, Paddle, PayPalGPT-6 LunaStripe Connectagainst: Adyen for PlatformsFinixChangedStripe ConnectStripe Connectno first choiceagainst: Braintree, PayPal, Square, Stripe Connect
Two alternatives
Finix, MoovThree alternatives
Adyen for Platforms, Payrix / Worldpay for Platforms, Stripe ConnectSeven alternatives
Adyen for Platforms, Airwallex Platform APIs, Finix, Mangopay, Payrix, Rainforest, Worldpay for PlatformsMuse Glimmer 30BAdyen for Platforms, Stripe ConnectFinixChangedagainst: Stripe ConnectAdyen for Platforms, Stripe Connectagainst: PayPal Commerce PlatformSquare, Stripe Connectno first choiceagainst: Adyen for Platforms, Finix, Stripe Connect, Worldpay for Platforms
Seven alternatives
Finix, NMI, Payrix, Rainforest, Stax Connect, TreviPay, UnitThree alternatives
Global Payments for Platforms, Payrix, TilledSix alternatives
Bolt Connect, Marqeta, Mollie Connect, Stripe Treasury, Treasury Prime, WhopOne alternative
PaddleBold 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 13:00 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:59 | yes | 4 | 6 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 09:06 | yes | 10 | 30 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 10:59 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:13 | yes | 10 | 37 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:35 | yes | 5 | 6 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:02 | yes | 24 | 25 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:06 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:16 | no | 0 | 32 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:14 | yes | 18 | 70 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:52 | yes | 19 | 56 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:31 | yes | 5 | 24 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:00 | yes | 4 | 16 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:53 | yes | 12 | 22 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:47 | yes | 13 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:37 | 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 10:03 | yes | 9 | 23 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:40 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 8 | 36 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:07 | yes | 5 | 6 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:05 | yes | 20 | 36 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:43 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:11 | yes | 5 | 51 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:42 | yes | 17 | 26 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:22 | yes | 23 | 46 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:59 | yes | 18 | 40 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:57 | yes | 5 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:51 | yes | 15 | 23 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:15 | yes | 15 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:00 | yes | 5 | 7 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:11 | yes | 12 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 11:07 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 9 | 30 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:47 | yes | 14 | 13 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:37 | yes | 23 | 31 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:58 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:33 | yes | 14 | 30 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:45 | yes | 19 | 31 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:17 | yes | 23 | 54 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:42 | no | 0 | 45 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:51 | yes | 10 | 26 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:44 | yes | 25 | 36 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:49 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:29 | 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 12:23 | yes | 9 | 21 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:53 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:27 | yes | 14 | 33 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:50 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:22 | yes | 23 | 24 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:09 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:53 | yes | 20 | 50 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:14 | yes | 10 | 14 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:19 | yes | 15 | 20 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:16 | yes | 5 | 20 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:53 | yes | 2 | 8 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:32 | yes | 24 | 26 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:57 | no | 0 | 8 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:29 | no | 0 | 10 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 09:35 | yes | 8 | 25 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:44 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:06 | yes | 15 | 38 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:37 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:53 | yes | 25 | 26 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:56 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:53 | no | 0 | 31 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:03 | yes | 24 | 33 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:57 | yes | 15 | 21 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:28 | no | 0 | 18 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:46 | yes | 3 | 16 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:41 | yes | 15 | 29 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:13 | yes | 17 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:18 | yes | 3 | 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 12:31 | yes | 8 | 24 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:26 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:09 | yes | 13 | 36 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:21 | yes | 5 | 9 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:03 | yes | 22 | 45 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:51 | yes | 6 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:15 | yes | 9 | 50 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:43 | yes | 25 | 69 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:46 | yes | 24 | 41 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:31 | yes | 20 | 47 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:41 | yes | 3 | 14 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:35 | yes | 25 | 27 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 for Platforms
Adyen (Adyen for Platforms) read as Adyen for Platforms
Checkout.com read as Checkout.com Platforms
Embed.co read as Embed
Global Payments read as Global Payments for Platforms
Global Payments (PayFac-as-a-Service Pro) read as Global Payments for Platforms
Global Payments (Payrix) read as Global Payments for Platforms
Global Payments PayFac-as-a-Service Pro read as Global Payments for Platforms
Stax read as Stax Connect
Stripe read as Stripe Connect
Stripe (Stripe Connect + Financial Connections) read as Stripe Connect
Stripe (Stripe Connect) read as Stripe Connect
Stripe (specifically Stripe Connect) read as Stripe Connect
Stripe (via Stripe Connect) read as Stripe Connect
Stripe Payments read as Stripe Connect
Synapse read as Synapse Financial Technologies
Worldpay read as Worldpay for Platforms
Worldpay (Payrix) read as Worldpay for Platforms
Unresolved, counted raw
AgilePayments
Airwallex Platform APIs
Amaryllis
Cross River
Cybrid Technology Inc.
Green Dot
Klump
Liberis
Nayax
Stripe Connect Custom
Stripe Connect Express
Synapse Financial
TSYS
Tapix by Dateio
The Bancorp
VoPay International Inc
Weavr.io
ePayments Systems Limited (EPS)
Discontinued, still offered
No shut-down product was recommended here.