Embedded payments platforms for enterprise buyers
Asked as “embedded payments platform”, and as “payfac-as-a-service provider for SaaS”, on behalf of an enterprise B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
39%
Contested · Stripe Connect 29%
39Adyen for Platforms29Stripe Connect10Finix22others
39% of first choices, contested.
Since October 2026▼−4Since October 2026: 43% → 39%, −4 points. Inside the 10-point floor: within noise.Adyen for Platforms held the lead, −4 points on 43%, 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.Standing →Enterprise
Adyen for Platforms39%Contested▼−4Since October 2026: 43% → 39%, −4 points. Inside the 10-point floor: within noise.This page
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.Standing →EnterpriseAdyen for Platforms39%Contested▼−4Since October 2026: 43% → 39%, −4 points. Inside the 10-point floor: within noise.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
01Adyen for Platforms39%8%64endorsed leader▼−4Since October 2026: 43% → 39%, −4 points. Inside the 10-point floor: within noise.43% → 39%
Adyen for Platforms39%8%64endorsed leader▼−4Since October 2026: 43% → 39%, −4 points. Inside the 10-point floor: within noise.43% → 39%02Stripe Connect29%32%66criticized challenger▲+6Since October 2026: 23% → 29%, +6 points. Inside the 10-point floor: within noise.23% → 29%
Stripe Connect29%32%66criticized challenger▲+6Since October 2026: 23% → 29%, +6 points. Inside the 10-point floor: within noise.23% → 29%03
Finix10%5%42accepted challenger▲+1Since October 2026: 9% → 10%, +1 point. Inside the 10-point floor: within noise.9% → 10%
Finix10%5%42accepted challenger▲+1Since October 2026: 9% → 10%, +1 point. Inside the 10-point floor: within noise.9% → 10%04
TreviPay8%0%10accepted challenger▼−1Since October 2026: 9% → 8%, −1 point. Inside the 10-point floor: within noise.9% → 8%
TreviPay8%0%10accepted challenger▼−1Since October 2026: 9% → 8%, −1 point. Inside the 10-point floor: within noise.9% → 8%05Global Payments for Platforms6%6%18accepted challengernewNew since October 2026: not ranked then, 6% now.
06
Worldpay for Platforms2%20%15accepted challenger▼−9Since October 2026: 11% → 2%, −9 points. Inside the 10-point floor: within noise.11% → 2%
Worldpay for Platforms2%20%15accepted challenger▼−9Since October 2026: 11% → 2%, −9 points. Inside the 10-point floor: within noise.11% → 2%Show the one product at 0%, ordered by negative rate
07
Payrix0%0%12accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Payrix0%0%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 enterprise.
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 →
01020304G05
0607Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Adyen for Platforms39%
Adyen for Platforms39%02Stripe Connect29%
Stripe Connect29%03Finix10%
Finix10%04TreviPay8%
TreviPay8%05Global Payments for Platforms6%
06Worldpay for Platforms2%
Worldpay for Platforms2%07Payrix0%
Payrix0%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, Kimi K2, 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 Connect32%
21 of 66 labels negative · 13 of 14 models · 2 hard negative
“many enterprises outgrow Stripe Connect's architecture and find the switch costly and disruptive” DeepSeek V4 Flash, negative prompt
Adyen for Platforms8%
5 of 64 labels negative · 5 of 14 models · 1 hard negative
“Adyen is an enterprise-grade powerhouse, but it is notoriously expensive and complex” GLM 4.7 FlashX, budget prompt
Synapse Financial Technologies
100%
4 of 4 labels negative · 4 of 14 models · 4 hard negative
“Following the high-profile collapse of Synapse Financial Technologies in 2024–2025—which froze millions in customer assets—enterprises must avoid any embedded finance stack” Qwen 3.7 Flash, negative prompt
Railsr
100%
3 of 3 labels negative · 3 of 14 models · 3 hard negative
“rely on the same pooled-middleware model that failed in the Synapse / Railsr / Solaris / Intergiro episodes, are the ones enterprises are now advised to avoid” 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
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. 1040 links across 261 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 · Stripe50 answers · 105 citations · 14 models
vendor site · Whop36 answers · 54 citations · 11 models
vendor site · Global Payments31 answers · 58 citations · 10 models
vendor site · Adyen24 answers · 49 citations · 10 models
vendor site · Finix21 answers · 42 citations · 13 models
vendor site · Guideflow18 answers · 24 citations · 8 models
vendor site · Sourceforge16 answers · 20 citations · 9 models
vendor site · G215 answers · 22 citations · 10 models
15 answers · 19 citations · 9 models
14 answers · 17 citations · 9 models
14 answers · 14 citations · 7 models
13 answers · 16 citations · 8 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.
30 answers · 10 models
25 answers · 10 models
17 answers · 8 models
15 answers · 9 models
11 answers · 8 models
10 answers · 7 models
10 answers · 7 models
10 answers · 7 models
10 answers · 7 models
10 answers · 6 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 |
|---|---|---|---|---|---|---|---|---|
| Adyen for Platforms adyen.com | 39% | 128 | 170 | 5 | 126,446 | $7,702 | 84 | |
| Stripe stripe.com Stripe Connect 29% | 29% | 218 | 823,000 | 102,741 | 3,226,782 company | $3,621 | 102 | 1 |
| Finix finix.com | 10% | 124 | 3,600 | 101 | 6,171 | $820 | 40 | |
| TreviPay trevipay.com | 8% | 139 | 2,400 | 60 | 40,661 | $8 | 13 | |
| Global Payments for Platforms globalpayments.com | 6% | 32 | ||||||
| Worldpay for Platforms worldpay.com | 2% | 29 | 110 | 11 | 44,677 | $111 | 13 | |
| HighRadius highradius.com | 2% | 604 | 6,600 | 118 | 294,561 | $2,272 | 120 | |
| Embeddable embeddable.com | 2% | 3 | 720 | 156 | 2,755 | 9 | ||
| Stripe parent site Stripe Treasury 2% | 2% | 16 | 823,000 | 102,741 | ||||
| Payrix payrix.com | 0% | 38 | 2,400 | 60 | 1,650 |
Google's top ten for the three searches hold 25 sites; 3 of them are among the sites the models cited here (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 an enterprise B2B company?”Paraphrase“Which payfac-as-a-service provider for SaaS would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade embedded payments platforms and how do they differ?”Budget-constrained“What is the best embedded payments platform 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 an embedded payments platform. What should we look at?”Negative“Which embedded payments platforms should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5Adyen for PlatformsAdyen for Platforms, Worldpay for PlatformsChangedagainst: Stripe Connectno first choiceAdyen for Platformsagainst: Stripe Connectno first choicenothing named
Four alternatives
HighRadius, TreviPay, Usio, Worldpay for PlatformsOne alternative
FinixGPT-5.4 miniStripe ConnectStripe ConnectHeldStripe ConnectAdyen for Platforms, Stripe Connectno first choiceagainst: Melio, Worldpay for Platforms, tagada.io, takepayments
Two alternatives
Adyen for Platforms, TreviPayTwo alternatives
Adyen for Platforms, Worldpay for PlatformsFour alternatives
Adyen for Platforms, Checkout.com Platforms, Finix, Payrix / Worldpay for PlatformsGemini 3.5 FlashAdyen for Platforms, Stripe ConnectAdyen for PlatformsChangedStripe ConnectAdyen for Platformsno first choiceagainst: Adyen for Platforms, Braintree, Shopify Payments, Square, Stripe Connect, Toast, standard PayPal
Three alternatives
Balance, Finix, TreviPayFour alternatives
Finix, Infinicept, Stripe Connect, Worldpay for PlatformsFour alternatives
Adyen for Platforms, Finix, J.P. Morgan Payments, PayrixFour alternatives
Finix, Payrix, Rainforest Pay, Stripe ConnectPerplexity SonarAdyen for PlatformsGlobal Payments for PlatformsChangedAdyen for Platforms, Stripe Connectagainst: Fiserv, Worldpay for PlatformsAdyen for Platformsagainst: Stripe Connectno first choiceagainst: Mollie Connect, Stripe Connect
Six alternatives
Airwallex, Finix, Resolve, Stripe Billing plus Stripe Payments, Stripe Connect, TreviPayFour alternatives
Adyen for Platforms, Finix, Stripe Connect, UnipaasThree alternatives
Checkout.com Platforms, Finix, RapydOne alternative
FinixGrok 4.20Stripe ConnectAdyen for PlatformsChangedAdyen for Platforms, Stripe ConnectAdyen for Platformsagainst: Embed, Finix, Stripe ConnectStripe Treasuryagainst: PayPal, Square, Stripe Connect
Two alternatives
Adyen for Platforms, FinixThree alternatives
Finix, Global Payments for Platforms, Stripe ConnectThree alternatives
Finix, Payrix, Stax ConnectFour alternatives
Adyen for Platforms, Authorize.net, Braintree Marketplace, Modern TreasuryMistral SmallTreviPayAdyen for Platforms, Stripe ConnectChangedAdyen for Platforms, Stripe ConnectFinix, Stripe Connectno first choiceagainst: Adyen for Platforms, Finix, Rainforest, Stripe Connect, Tilled, Worldpay for Platforms
Three alternatives
Adyen for Platforms, Brex Embedded, Stripe ConnectTwo alternatives
Finix, Global Payments for PlatformsFour alternatives
Finix, Mollie Connect, Paddle, WhopOne alternative
Global Payments for PlatformsDeepSeek V4 FlashStripe Connect, TreviPayStripe ConnectChangedStripe ConnectAdyen for Platformsagainst: Global Payments for Platforms, Stripe Connectno first choiceagainst: Adyen for Platforms, PayPal Braintree, Stripe Connect
Three alternatives
Adyen for Platforms, EBizCharge, Resolve PayThree alternatives
Adyen for Platforms, Finix, Global Payments for PlatformsFour alternatives
Adyen for Platforms, Checkout.com Platforms, Finix, MarqetaOne alternative
RyftLlama 4 Maverickno first choiceAdyen for PlatformsChangedno first choiceno first choiceno first choiceagainst: Adyen for Platforms, Stripe Connect
Qwen 3.7 FlashStripe ConnectFinixChangedagainst: Stripe ConnectAdyen for Platforms, Stripe ConnectAdyen for Platformsagainst: Stripe Connectno first choiceagainst: Stripe Connect, Synapse Financial Technologies
Five alternatives
Adyen for Platforms, Brex Embedded, Fiserv, Global Payments for Platforms, MarqetaTwo alternatives
Adyen for Platforms, PayrixThree alternatives
Finix, Global Payments for Platforms, WePayTwo alternatives
Finix, RainforestKimi K2TreviPayAdyen for PlatformsChangedAdyen for Platforms, Stripe ConnectFinixagainst: Stripe Connectno first choiceagainst: Blue Ridge Bank, Braintree, Evolve Bank & Trust, Intergiro, PayPal, Railsr, Solaris, Square, Stripe Connect, Synapse Financial Technologies
Four alternatives
Adyen for Platforms, Brex Embedded, EBizCharge, Stripe ConnectThree alternatives
Finix, Stripe Connect, Worldpay for PlatformsSix alternatives
Finix, Marqeta, NMI, Payrix, Payroc, Stax ConnectOne alternative
Adyen for PlatformsGLM 4.7 FlashXStripe ConnectStripe ConnectHeldStripe ConnectEmbeddableagainst: Adyen for Platforms, Stripe Connectno first choiceagainst: Authorize.net, Braintree, Fiserv, Nuvei, Railsr, Shift4
Four alternatives
Adyen for Platforms, Brex Embedded, Finix, TreviPayTwo alternatives
Adyen for Platforms, Global Payments for PlatformsFour alternatives
Adyen for Platforms, Global Payments for Platforms, NMI Payments, RapydOne alternative
Global Payments for PlatformsMiniMax M2.5HighRadius, TreviPayFinix, Global Payments for PlatformsChangedagainst: Stripe Connectno first choiceGlobal Payments for Platformsagainst: Stripe Connectno first choicenothing named
Six alternatives
Adyen for Platforms, Brex Embedded, EBizCharge, Finix, Stripe Connect, Worldpay for PlatformsSix alternatives
Adyen for Platforms, Checkout.com Platforms, Finix, Global Payments for Platforms, Nuvei, Stripe ConnectThree alternatives
Adyen for Platforms, NMI, Stax ConnectGPT-6 LunaStripe ConnectAdyen for PlatformsChangedStripe ConnectStripe Connectno first choiceagainst: ACI Worldwide, Evolve Bank & Trust, Stripe Connect, Synapse Financial Technologies
One alternative
Adyen for PlatformsOne alternative
Stripe's PayFac solutionFive alternatives
Adyen for Platforms, Checkout.com Platforms, Finix, Mangopay, PayPal Complete PaymentsTwo alternatives
Adyen for Platforms, FinixMuse Glimmer 30BAdyen for Platforms, Stripe ConnectAdyen for Platforms, FinixChangedagainst: Stripe ConnectAdyen for Platforms, Stripe ConnectAdyen for Platformsno first choiceagainst: Blue Ridge Bank, Evolve Bank, Intergiro, Railsr, Solaris, Synapse Financial Technologies
Two alternatives
HighRadius, UnitFive alternatives
Checkout.com Platforms, Finix, PayPal, Rapyd, TreviPayTwo alternatives
Finix PayFac-as-a-Service, Stripe ConnectBold 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 11:12 | yes | 16 | 10 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:07 | yes | 4 | 8 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 11:37 | yes | 9 | 23 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:33 | yes | 10 | 5 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:23 | yes | 9 | 33 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:51 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:22 | yes | 25 | 22 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:43 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:56 | yes | 5 | 33 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:46 | yes | 15 | 45 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:47 | yes | 24 | 26 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:13 | yes | 10 | 87 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:45 | yes | 4 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:48 | yes | 14 | 22 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:52 | yes | 9 | 7 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:39 | yes | 3 | 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 09:02 | yes | 11 | 29 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 09:29 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 5 | 30 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:49 | yes | 5 | 22 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:47 | yes | 25 | 31 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:50 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:11 | yes | 14 | 64 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:01 | yes | 20 | 29 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:09 | yes | 20 | 81 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:13 | yes | 18 | 106 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:46 | yes | 2 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:01 | yes | 22 | 36 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:53 | yes | 9 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:29 | yes | 6 | 9 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 09:11 | no | 0 | 19 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:32 | yes | 10 | 7 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:18 | yes | 5 | 30 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:56 | yes | 19 | 15 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:34 | yes | 25 | 45 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:08 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:41 | yes | 20 | 103 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:54 | yes | 21 | 66 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:28 | yes | 21 | 78 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:03 | yes | 14 | 61 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:23 | yes | 6 | 25 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:31 | yes | 14 | 33 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:56 | yes | 15 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:03 | yes | 2 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:29 | yes | 11 | 23 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:16 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:12 | yes | 15 | 32 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:27 | yes | 9 | 7 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:04 | yes | 24 | 27 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:57 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:07 | yes | 10 | 43 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:28 | yes | 23 | 51 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:22 | yes | 24 | 114 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:56 | yes | 15 | 38 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:27 | yes | 3 | 18 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:27 | yes | 20 | 38 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:37 | yes | 27 | 16 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:03 | yes | 2 | 7 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 11:55 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:26 | yes | 10 | 11 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 10 | 39 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:15 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:45 | yes | 24 | 41 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:40 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:41 | no | 0 | 31 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:27 | yes | 19 | 25 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:25 | yes | 20 | 29 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:50 | no | 0 | 24 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:10 | yes | 3 | 22 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:51 | yes | 15 | 29 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:17 | yes | 19 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:53 | yes | 3 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:29 | no | 0 | 21 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:50 | yes | 10 | 6 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:04 | yes | 21 | 21 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:35 | yes | 14 | 10 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:56 | yes | 23 | 41 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:52 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:51 | yes | 23 | 82 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:57 | yes | 24 | 53 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:38 | yes | 24 | 157 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:03 | yes | 24 | 111 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:51 | yes | 5 | 23 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:44 | yes | 25 | 30 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
Brex read as Brex Embedded
Checkout.com read as Checkout.com Platforms
Global Payments read as Global Payments for Platforms
Global Payments (PayFac-as-a-Service Pro) read as Global Payments for Platforms
Global Payments (Worldpay) read as Global Payments for Platforms
Global Payments for Platforms’ PayFac-as-a-Service Pro read as Global Payments for Platforms
Global Payments – PayFac-as-a-Service Pro read as Global Payments for Platforms
Global Payments’ PayFac-as-a-Service Pro read as Global Payments for Platforms
Stripe read as Stripe Connect
Stripe (Connect for embedded/PayFac-like use) read as Stripe Connect
Stripe (Stripe Connect) read as Stripe Connect
Stripe (via Connect) read as Stripe Connect
Stripe (with Stripe Connect/Treasury) read as Stripe Connect
Worldpay read as Worldpay for Platforms
Worldpay (FIS/Global Payments) read as Worldpay for Platforms
Unresolved, counted raw
American Express Sync
Braintree Marketplace
Finix PayFac-as-a-Service
Infinicept Launchpay
Infinit
JustiFi
Stripe Billing plus Stripe Payments
Stripe's PayFac solution
Visa's embedded solutions
standard PayPal
takepayments
Discontinued, still offered
No shut-down product was recommended here.