Index › Finance › Receivables and billing › Embedded payments › Small business · November 2026 Edition
Embedded payments platforms for small business buyers
Asked as “embedded payments platform”, and as “payfac-as-a-service provider for SaaS”, on behalf of a small B2B company. 45 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the November 2026 Edition.
Standing · first-choice share
60%
Clear leader
60Stripe Connect13Helcim07Finix20others
60% of first choices, clear leader.
Since October 2026▲+6Since October 2026: 54% → 60%, +6 points. Inside the 10-point floor: within noise.Stripe Connect held the lead, +6 points on 54%, 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.This pageMid-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.Standing →
Stripe Connect60%Clear leader▲+6Since October 2026: 54% → 60%, +6 points. Inside the 10-point floor: within noise.This pageMid-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.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
01Stripe Connect60%14%76endorsed leader▲+6Since October 2026: 54% → 60%, +6 points. Inside the 10-point floor: within noise.54% → 60%
Stripe Connect60%14%76endorsed leader▲+6Since October 2026: 54% → 60%, +6 points. Inside the 10-point floor: within noise.54% → 60%02
Helcim13%8%13accepted challenger▲+6Since October 2026: 7% → 13%, +6 points. Inside the 10-point floor: within noise.7% → 13%
Helcim13%8%13accepted challenger▲+6Since October 2026: 7% → 13%, +6 points. Inside the 10-point floor: within noise.7% → 13%03
Finix7%11%36accepted challenger▼−7Since October 2026: 14% → 7%, −7 points. Inside the 10-point floor: within noise.14% → 7%
Finix7%11%36accepted challenger▼−7Since October 2026: 14% → 7%, −7 points. Inside the 10-point floor: within noise.14% → 7%04
Paddle7%0%16accepted challenger▲+7Since October 2026: 0% → 7%, +7 points. Inside the 10-point floor: within noise.0% → 7%
Paddle7%0%16accepted challenger▲+7Since October 2026: 0% → 7%, +7 points. Inside the 10-point floor: within noise.0% → 7%05
Square2%30%20criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Square2%30%20criticized challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%Show the four products at 0%, ordered by negative rate
08
PayPal0%50%12criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
PayPal0%50%12criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09Adyen for Platforms0%46%28criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Adyen for Platforms0%46%28criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%07
Payrix0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Payrix0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%06
EBizCharge0%0%11accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
EBizCharge0%0%11accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 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 ten head-to-head pages: the top five products, each against each
One product takes 60% of first choices here, so the chart would put eight markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. Three products carry a negative rate above 25% in this category.
What they warned about
Six of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, Gemini 3.5 Flash, DeepSeek V4 Flash, Llama 4 Maverick, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 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.
Adyen for Platforms46%
13 of 28 labels negative · 9 of 14 models · 2 hard negative
“it is often criticized for rising fees, limited flexibility, and creating a costly dependence on a single SaaS platform... making it risky for small businesses with tight margins” Mistral Small, negative prompt
Stripe Connect14%
11 of 76 labels negative · 9 of 14 models
“While platforms like Stripe and Square are dominant and generally reliable at scale, small businesses with tight margins... are disproportionately vulnerable to their automated risk systems” DeepSeek V4 Flash, negative prompt
Square30%
6 of 20 labels negative · 6 of 14 models · 1 hard negative
“Frequent sudden account closures without clear explanation... avoid as primary if your business relies on steady cash flow.” Grok 4.20, negative prompt
Finix11%
4 of 36 labels negative · 4 of 14 models · 1 hard negative
“Providers to Avoid When You Are Small / Budget-Constrained” Gemini 3.5 Flash, budget 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
75 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. 876 links across 215 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 · Whop43 answers · 63 citations · 11 models
vendor site · Stripe41 answers · 78 citations · 14 models
vendor site · Sourceforge29 answers · 42 citations · 11 models
vendor site · G228 answers · 34 citations · 11 models
25 answers · 30 citations · 10 models
vendor site · Global Payments20 answers · 35 citations · 9 models
vendor site · Fiska16 answers · 24 citations · 9 models
vendor site · Finix15 answers · 22 citations · 10 models
vendor site · Guideflow14 answers · 16 citations · 7 models
12 answers · 15 citations · 6 models
12 answers · 12 citations · 8 models
10 answers · 19 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.
40 answers · 11 models
26 answers · 10 models
19 answers · 10 models
14 answers · 7 models
13 answers · 8 models
12 answers · 8 models
12 answers · 8 models
11 answers · 7 models
9 answers · 8 models
9 answers · 5 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 60% | 60% | 218 | 823,000 | 102,741 | 3,226,782 company | $3,621 | 102 | 1 |
| Helcim helcim.com | 13% | 121 | 12,100 | 143 | 52,527 | 28 | ||
| Finix finix.com | 7% | 124 | 3,600 | 101 | 6,171 | $820 | 40 | |
| Paddle paddle.com | 7% | 214 | 60,500 | 69,116 | 172,079 | 31 | ||
| Square squareup.com Square 2%, Square Payments 2% | 4% | 86 | 1,000,000 | 497,526 | 3,658,565 | $9 | 99 | |
| Whop whop.com | 2% | 50 | 110,000 | 1,336 | 352,812 | 29 | ||
| Usio usio.com | 2% | 6 | ||||||
| Balance getbalance.com | 2% | 59 | 135,000 | 530,217 | 1,277 | 2 | ||
| Exact Payments | 2% | |||||||
| EBizCharge ebizcharge.com | 0% | 50 | 2,400 | 16 | 22,849 | $7,184 | 24 |
Google's top ten for the three searches hold 25 sites; 5 of them are among the sites the models cited here (fiska.com, g2.com, reddit.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 small B2B company?”Paraphrase“Which payfac-as-a-service provider for SaaS would you recommend to a small business that sells to other businesses?”Comparative“What are the top embedded payments platforms for a small team and how do they differ?”Budget-constrained“What is the best embedded payments platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating an embedded payments platform. What should we look at?”Negative“Which embedded payments platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5no first choiceFinixChangedStripe ConnectExact Paymentsno first choicenothing named
Four alternatives
Stripe Connect, TreviPay, Unit, WizPayTwo alternatives
Rainforest, Stripe ConnectThree alternatives
Adyen for Platforms, Finix, UnitThree alternatives
Finix, Fiska, Stripe ConnectGPT-5.4 miniStripe ConnectStripe ConnectHeldStripe ConnectStripe Connectno first choicenothing named
One alternative
Adyen for PlatformsOne alternative
PaymentusThree alternatives
Dwolla, J.P. Morgan Embedded Payments, RapydOne alternative
SquareGemini 3.5 FlashBalanceFinixChangedagainst: Stripe ConnectStripe Connectagainst: PayrixStripe Connectagainst: Finix, Rainforest, Tilledno first choiceagainst: Authorize.net, PayPalagainst: Fiserv, Merchant One, PayPal, Square, Stripe Connect, Worldpay for Platforms
Five alternatives
Dwolla, Finix, Rainforest, Resolve Pay, Stripe ConnectTwo alternatives
Rainforest Pay, TilledThree alternatives
Dwolla, Finix, Rainforest PayFour alternatives
Braintree, Dwolla, PayPal, SquarePerplexity SonarStripe Connectagainst: Adyen for Platforms, BraintreeStripe ConnectHeldStripe Connectagainst: Adyen for PlatformsStripe Connectagainst: Finixno first choiceagainst: Adyen for Platforms, Braintree, Global Payments for Platforms, Lightspeed, NMI, Stripe Connect
Two alternatives
Airwallex, Bill360One alternative
RainforestFive alternatives
Dwolla, Finix, Moov, Rainforest Pay, WhopOne alternative
HelcimGrok 4.20Stripe Connectagainst: Adyen for Platforms or Finix, Authorize.netStripe ConnectHeldStripe Connectagainst: Adyen for Platforms, Braintree, Checkout.com PlatformsHelcimagainst: Stax Connect, Stripe Connectno first choiceagainst: Adyen for Platforms, Clover, PayPal, Shopify Payments, Square, Toast
Four alternatives
EBizCharge, Helcim, PayPal, QuickBooks PaymentsFive alternatives
Finix, NMI, Payrix, Rainforest Payments, UsioThree alternatives
Mollie Connect, Paddle, SquareOne alternative
SquareMistral SmallStripe ConnectStripe ConnectHeldStripe ConnectPaddle, Stripe Connectno first choiceagainst: Adyen for Platforms, Stripe Connect
Two alternatives
Unit, WhopThree alternatives
Finix, Forward, NMI PaymentsFour alternatives
EBizCharge, NMI Payments, Nuvei, PaddleThree alternatives
Adyen for Platforms, Dwolla, Stripe ConnectDeepSeek V4 FlashHelcimStripe ConnectChangedagainst: Adyen for PlatformsPaddle, Stripe Connectagainst: FinixStripe ConnectStripe Connectagainst: Airwallex, Fiserv, Global Payments for Platforms, Paysafe, Square, Stripe Connect, Synapse Financial Technologies, WePay
Two alternatives
EBizCharge, Stripe ConnectThree alternatives
Finix, Paddle, PayoneerThree alternatives
Adyen for Platforms, Helcim, SquareThree alternatives
Braintree, Fiska, HelcimThree alternatives
Adyen for Platforms, Finix, RainforestLlama 4 MaverickWhopno first choiceChangedno first choiceno first choiceno first choiceagainst: Stripe Connect
Three alternatives
ConnectPay, Stripe Connect, WePayQwen 3.7 FlashStripe ConnectStripe ConnectHeldStripe Connectagainst: Adyen for PlatformsStripe Connectno first choiceagainst: PayPal, Square, Stripe Connect
Three alternatives
Dwolla, GoCardless, MollieTwo alternatives
Finix, Rainforest PaymentsThree alternatives
Paddle, Trolley, WhopOne alternative
PaddleKimi K2HelcimFinixChangedStripe Connectagainst: HelcimStripe Connectno first choiceagainst: Square, Stripe Connect, Toast, WePay
Four alternatives
EBizCharge, Melio, QuickBooks Payments, Stripe ConnectTwo alternatives
Rainforest Pay, Stripe ConnectFour alternatives
Finix, Payrix, Rainforest, Stax ConnectTwo alternatives
EBizCharge, SquareGLM 4.7 FlashXPaddle, Stripe Connectagainst: Adyen for PlatformsStripe ConnectChangedagainst: FinixStripe Connectagainst: Braintree, Checkout.com Platforms, PayPalHelcimagainst: Global Payments for Platformsno first choiceagainst: PayPal
Three alternatives
Invoiced, Melio, WhopTwo alternatives
Adyen for Platforms, PayabliFour alternatives
Airwallex, Paddle, Square, WhopThree alternatives
EBizCharge, NMI Payments, Stripe ConnectMiniMax M2.5HelcimStripe Connect, UsioChangedPaddle, Stripe ConnectHelcim, Squareno first choiceagainst: Adyen for Platforms
Four alternatives
Finix, PaymentCloud, QuickBooks Payments, Stripe ConnectTwo alternatives
Finix, Global Payments for PlatformsTwo alternatives
Finix, NMI PaymentsTwo alternatives
PayPal, Stripe ConnectGPT-6 LunaStripe ConnectStripe ConnectHeldStripe Connectagainst: Adyen for PlatformsStripe Connectno first choiceagainst: Appstar Financial, Blue Dog Business Services, Eliot Management Group, First American Payment Systems, Payscape Advisors, Shopify Payments, Square, Toast
One alternative
FinixTwo alternatives
Finix, PayrixThree alternatives
Finix, Moov, PayPal Complete PaymentsOne alternative
SquareMuse Glimmer 30BStripe Connectagainst: Adyen for PlatformsPaddleChangedStripe Connect, Whopagainst: Adyen for PlatformsSquare Payments, Stripe Connectno first choiceagainst: Stripe Connect, Toast Inc.
Five alternatives
Bill360, EBizCharge, Finix, Global Payments for Platforms, NMI PaymentsFour alternatives
Finix, Payrix, Stripe Connect, UsioThree alternatives
Finix, Global Payments for Platforms, PaddleThree alternatives
Finix, Fiska, HelcimBold 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 12:38 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:59 | yes | 2 | 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 10:59 | yes | 7 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 08:47 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 5 | 32 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:53 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:35 | yes | 23 | 23 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:25 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:15 | no | 0 | 30 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:35 | yes | 9 | 30 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:33 | yes | 24 | 76 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:39 | yes | 5 | 25 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 11:23 | yes | 20 | 30 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:57 | yes | 18 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:36 | yes | 4 | 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 08:57 | yes | 12 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:51 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 13 | 30 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:03 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:00 | yes | 24 | 46 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:18 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:32 | yes | 5 | 40 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:07 | yes | 19 | 49 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:14 | yes | 22 | 59 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:32 | yes | 12 | 55 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:22 | yes | 3 | 21 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:05 | yes | 25 | 39 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:50 | yes | 16 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:16 | yes | 3 | 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 12:57 | yes | 10 | 25 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:40 | yes | 10 | 7 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:18 | yes | 10 | 42 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:55 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:07 | yes | 19 | 36 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:56 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:05 | yes | 10 | 25 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:45 | yes | 20 | 46 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:56 | yes | 23 | 53 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:37 | yes | 8 | 42 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:55 | yes | 6 | 16 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:30 | yes | 25 | 37 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:42 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:46 | 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 11:54 | no | 0 | 16 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:23 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 10 | 31 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:48 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:51 | yes | 24 | 18 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:41 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:42 | yes | 13 | 36 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:09 | yes | 5 | 12 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:40 | yes | 18 | 42 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:05 | yes | 9 | 55 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:51 | yes | 2 | 9 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:41 | yes | 15 | 24 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:27 | no | 0 | 5 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:26 | 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 10:54 | no | 0 | 19 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 13:00 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 15 | 40 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:21 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:18 | yes | 21 | 28 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:42 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:44 | no | 0 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:00 | yes | 15 | 33 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:37 | yes | 15 | 34 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:49 | no | 0 | 73 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:57 | yes | 5 | 20 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:54 | yes | 14 | 18 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:45 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:46 | 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 08:51 | yes | 10 | 20 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:49 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 18 | 32 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:16 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:03 | yes | 24 | 30 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:29 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:42 | yes | 10 | 64 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:17 | yes | 22 | 30 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:46 | yes | 22 | 28 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:46 | no | 0 | 38 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:01 | yes | 3 | 23 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:04 | yes | 23 | 31 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 (for Platforms) read as Adyen for Platforms
Checkout.com read as Checkout.com Platforms
Global Payments read as Global Payments for Platforms
Global Payments (Integrated Payments) 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 (Connect) read as Stripe Connect
Stripe (Stripe Connect & Stripe Payment Element) read as Stripe Connect
Stripe (with Stripe Connect) read as Stripe Connect
Stripe Payments read as Stripe Connect
Synapse read as Synapse Financial Technologies
Unresolved, counted raw
Adyen for Platforms or Finix
Appstar Financial
Blue Dog Business Services
Eliot Management Group
Merchant One
Payscape Advisors
direct Stripe
Discontinued, still offered
No shut-down product was recommended here.