Index › Finance › Spend and procurement › Contractor payments › Small business · November 2026 Edition
Contractor payments for small business buyers
Asked as “contractor payments and 1099 platform”, and as “freelancer payout software”, on behalf of a small B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
49%
Clear leader
49Gusto25Square Payroll06QuickBooks Contractor Payments20others
49% of first choices, clear leader.
Since October 2026▲+7Since October 2026: 42% → 49%, +7 points. Inside the 10-point floor: within noise.Gusto held the lead, +7 points on 42%, 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
Gusto49%Clear leader▲+7Since October 2026: 42% → 49%, +7 points. Inside the 10-point floor: within noise.This pageMid-market
Tipalti28%Contested▲+6Since October 2026: 22% → 28%, +6 points. Inside the 10-point floor: within noise.Standing →EnterpriseTipalti47%Clear leader▲+22Since October 2026: 25% → 47%, +22 points. Past the 10-point floor: movement.Standing →
Gusto49%Clear leader▲+7Since October 2026: 42% → 49%, +7 points. Inside the 10-point floor: within noise.This pageMid-marketTipalti28%Contested▲+6Since October 2026: 22% → 28%, +6 points. Inside the 10-point floor: within noise.Standing →EnterpriseTipalti47%Clear leader▲+22Since October 2026: 25% → 47%, +22 points. Past the 10-point floor: movement.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
01Gusto49%10%68endorsed leader▲+7Since October 2026: 42% → 49%, +7 points. Inside the 10-point floor: within noise.42% → 49%
Gusto49%10%68endorsed leader▲+7Since October 2026: 42% → 49%, +7 points. Inside the 10-point floor: within noise.42% → 49%02
Square Payroll25%12%34accepted challenger▲+15Since October 2026: 10% → 25%, +15 points. Past the 10-point floor: movement.10% → 25%
Square Payroll25%12%34accepted challenger▲+15Since October 2026: 10% → 25%, +15 points. Past the 10-point floor: movement.10% → 25%03
QuickBooks Contractor Payments6%4%26accepted challenger▼−2Since October 2026: 8% → 6%, −2 points. Inside the 10-point floor: within noise.8% → 6%
QuickBooks Contractor Payments6%4%26accepted challenger▼−2Since October 2026: 8% → 6%, −2 points. Inside the 10-point floor: within noise.8% → 6%04
Melio4%17%12accepted challenger▼−1Since October 2026: 5% → 4%, −1 point. Inside the 10-point floor: within noise.5% → 4%
Melio4%17%12accepted challenger▼−1Since October 2026: 5% → 4%, −1 point. Inside the 10-point floor: within noise.5% → 4%05
Deel2%14%56accepted challenger▼−6Since October 2026: 8% → 2%, −6 points. Inside the 10-point floor: within noise.8% → 2%
Deel2%14%56accepted challenger▼−6Since October 2026: 8% → 2%, −6 points. Inside the 10-point floor: within noise.8% → 2%06
Wise Business2%18%33accepted challenger▼−3Since October 2026: 5% → 2%, −3 points. Inside the 10-point floor: within noise.5% → 2%
Wise Business2%18%33accepted challenger▼−3Since October 2026: 5% → 2%, −3 points. Inside the 10-point floor: within noise.5% → 2%Show the seven products at 0%, ordered by negative rate
13
PayPal MassPay0%71%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
PayPal MassPay0%71%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%12Tipalti0%43%14criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Tipalti0%43%14criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
Payoneer Workforce Management0%40%15criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Payoneer Workforce Management0%40%15criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%09
BILL0%23%13accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
BILL0%23%13accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%08
Rippling0%21%24accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Rippling0%21%24accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%10
Papaya Global0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Papaya Global0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Remote0%7%30accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Remote0%7%30accepted 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 headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All twenty-eight head-to-head pages: the top eight products, each against each
Tipalti vs QuickBooks Contractor PaymentsTipalti vs GustoTipalti vs RemoteTipalti vs WorksuiteDeel vs Square PayrollDeel vs RipplingDeel vs QuickBooks Contractor PaymentsDeel vs GustoDeel vs RemoteDeel vs WorksuiteSquare Payroll vs RipplingSquare Payroll vs QuickBooks Contractor PaymentsSquare Payroll vs GustoSquare Payroll vs RemoteSquare Payroll vs WorksuiteRippling vs QuickBooks Contractor PaymentsRippling vs GustoRippling vs RemoteRippling vs WorksuiteQuickBooks Contractor Payments vs GustoQuickBooks Contractor Payments vs RemoteQuickBooks Contractor Payments vs WorksuiteGusto vs RemoteGusto vs WorksuiteRemote vs Worksuite
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 →
01020304050607080910111213Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Gusto49%
Gusto49%02Square Payroll25%
Square Payroll25%03QuickBooks Contractor Payments6%
QuickBooks Contractor Payments6%04Melio4%
Melio4%05Deel2%
Deel2%06Wise Business2%
Wise Business2%07Remote0%
Remote0%08Rippling0%
Rippling0%09BILL0%
BILL0%10Papaya Global0%
Papaya Global0%11Payoneer Workforce Management0%
Payoneer Workforce Management0%12Tipalti0%
Tipalti0%13PayPal MassPay0%
PayPal MassPay0%What they warned about
Five of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Llama 4 Maverick, Qwen 3.7 Flash, 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.
PayPal MassPay71%
12 of 17 labels negative · 12 of 14 models · 5 hard negative
“Platforms to Avoid or Be Cautious About ... PayPal (especially PayPal MassPay) - High fees for contractor payouts” GLM 4.7 FlashX, negative prompt
Venmo100%
8 of 8 labels negative · 8 of 14 models · 7 hard negative
“Personal Venmo or personal Zelle accounts for business payments. Don't use a personal account as a substitute for a business payment system.” GPT-6 Luna, negative prompt
Deel14%
8 of 56 labels negative · 6 of 14 models · 1 hard negative
“Avoid for tight budgets: Deel, Rippling, or Remote” Grok 4.20, budget prompt
Payoneer Workforce Management40%
6 of 15 labels negative · 6 of 14 models
“transfers of less than $400/€400/£400 are subject to a fixed fee of $4/€4/£4, which can be expensive for smaller payments.” Claude Haiku 4.5, 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
74 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. 790 links across 179 sites, every framing counted. Ranked by the number of answers carrying the site or page. 56 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 · G227 answers · 36 citations · 11 models
24 answers · 31 citations · 9 models
vendor site · Gusto20 answers · 31 citations · 8 models
20 answers · 21 citations · 9 models
vendor site · Wingspan19 answers · 24 citations · 9 models
publisher (Gane)17 answers · 19 citations · 8 models
vendor site · Worksuite17 answers · 17 citations · 8 models
vendor site · FirstHR16 answers · 16 citations · 10 models
15 answers · 26 citations · 7 models
vendor site · Ruul15 answers · 19 citations · 10 models
14 answers · 14 citations · 8 models
13 answers · 13 citations · 7 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
20 answers · 8 models
19 answers · 9 models
18 answers · 9 models
18 answers · 9 models
17 answers · 8 models
16 answers · 10 models
16 answers · 8 models
14 answers · 8 models
13 answers · 6 models
12 answers · 7 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 contractor payments and 1099 platform”, “contractor payment platforms”, “contractor payments and 1099 platform”. 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 |
|---|---|---|---|---|---|---|---|---|
| Gusto gusto.com | 49% | 129 | 673,000 | 10,560 | 1,629,483 | 118 | ||
| Square squareup.com Square Payroll 25%, Square Contractor Payments 2% | 27% | 53 | 1,000,000 | 497,526 | 3,658,565 company | $9 | 99 | 3 |
| QuickBooks parent site QuickBooks Contractor Payments 6%, QuickBooks Payroll 0%, QuickBooks Payments 0%, QuickBooks Workforce 0% | 6% | 92 | 1,000,000 | 54,681 | ||||
| Melio melio.com | 4% | 281 | 33,100 | 492 | 36,039 | $1,429 | 60 | |
| QuickBooks quickbooks.ninja QuickBooks Online 4% | 4% | 692 | 1,000,000 | 54,681 | 253 company | |||
| Deel deel.com | 2% | 172 | 40,500 | 1,210 | 307,175 | $330,608 | 118 | |
| Wise Business wise.com | 2% | 270 | 1,900 | 167 | 158,520,306 | $81 | 78 | 1 |
| Found found.com | 2% | 33 | 201,000 | 640,595 | 87,265 | 13 | ||
| BILL bill.com BILL Accounts Payable 2%, BILL 0% | 2% | 374 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| Veem veem.com | 2% | 14 |
Google's top ten for the three searches hold 22 sites; 2 of them are among the sites the models cited here (quickbooks.intuit.com, worksuite.com). The first result for “best contractor payments and 1099 platform” is wise.com.
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 contractor payments and 1099 platform for a small B2B company?”Paraphrase“Which freelancer payout software would you recommend to a small business that sells to other businesses?”Comparative“What are the top contractor payment platforms for a small team and how do they differ?”Budget-constrained“What is the best contractor payments and 1099 platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a contractor payments and 1099 platform. What should we look at?”Negative“Which contractor payment platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5GustoMelio, VeemChangedGustoSquare Payrollno first choiceagainst: Papaya Global, Payoneer Workforce Management, QuickBooks Contractor Payments, Tipalti, Wise Business
Four alternatives
Found, Plane, QuickBooks Contractor Payments, Square PayrollThree alternatives
EasyStaff Payroll, PayPal MassPay, Stripe ConnectFour alternatives
Deel, QuickBooks Contractor Payments, Remote, Wise BusinessThree alternatives
Found, Gusto, QuickBooks Contractor PaymentsGPT-5.4 miniGustoGustoHeldGustoagainst: PayPal MassPayGustono first choiceagainst: Avetta, Deel, Gusto, Maverick Payments, Payoneer Workforce Management, Shift4, Wholesale Payments, WorkMarket
One alternative
DeelTwo alternatives
Deel, TalentDeskThree alternatives
Deel, Remote, Wise BusinessOne alternative
OnPayGemini 3.5 FlashGustoDeelChangedGustoSquare Payrollno first choiceagainst: Cash App, PayPal MassPay, Payoneer Workforce Management, Square Payroll, Stripe Connect, Venmo, Zelle
Four alternatives
BILL, Deel, Melio, RipplingFour alternatives
Gusto, Remote, Rippling, Wise BusinessFour alternatives
Deel, Remote, Rippling, Wise BusinessFive alternatives
Gusto, Melio, QuickBooks Contractor Payments, Tax1099, Track1099Nine alternatives
BILL, Deel, Gusto, Melio, Remote, Rippling, Wingspan, Wise Business, WorksuitePerplexity SonarGustoagainst: Tipalti, TrolleyMelioChangedagainst: Dots, TrolleyGustoagainst: Rippling, Tipalti, Wise BusinessSquare Payrollno first choiceagainst: Hyperwallet, PayPal MassPay, Payoneer Workforce Management, SWIFT, Tipalti, Venmo, Wise Business, Zelle
Three alternatives
Deel, QuickBooks Contractor Payments, RemoteThree alternatives
BILL, Tipalti, Wise BusinessThree alternatives
Deel, QuickBooks Payroll, RemoteThree alternatives
Gusto, QuickBooks Contractor Payments, Tax1099Grok 4.20GustoWise BusinessChangedDeel, Gustoagainst: ADPSquare Payrollagainst: Deel, OnPay, Patriot Software, Remote, Ripplingno first choiceagainst: PayPal MassPay, Venmoagainst: BILL, Deel, Fiverr Enterprise, Hyperwallet, Melio, Native Teams, Payoneer Workforce Management, Stripe Connect, Tipalti, Upwork, WorkMarket, dLocal
Six alternatives
Deel, OnPay, QuickBooks Contractor Payments, Remote, Rippling, Square PayrollFour alternatives
Gusto, Payoneer Workforce Management, QuickBooks Payroll, TipaltiSeven alternatives
Papaya Global, Payoneer Workforce Management, Remote, Rippling, Slash, Square Payroll, Wise BusinessThree alternatives
Gusto, QuickBooks Contractor Payments, Tax1099Mistral SmallGustoGustoHeldDeel, RemoteQuickBooks Contractor Payments, Square Payrollno first choiceagainst: Deel, PayPal MassPay, SWIFT Transfers, Venmo, Wise Business
Three alternatives
Deel, QuickBooks Contractor Payments, WorksuiteThree alternatives
Deel, Remote, RipplingTwo alternatives
Gusto, Wise BusinessTwo alternatives
Gusto, Patriot SoftwareDeepSeek V4 FlashGustoagainst: BILL, MelioGustoHeldagainst: TipaltiDeelSquare PayrollGusto, Square Payrollagainst: BILL, Cash App, PayPal MassPay, Payoneer Workforce Management, Square Payroll, Venmo Personal, Zelle
Three alternatives
Deel, QuickBooks Workforce, Square PayrollTwo alternatives
Deel, Wise BusinessFive alternatives
Gusto, Papaya Global, Payoneer Workforce Management, Remote, Wise BusinessTwo alternatives
QuickBooks Contractor Payments, Tax1099.comTwo alternatives
Deel, RipplingLlama 4 Maverickno first choiceGustoChangedDeelGustono first choicenothing named
Two alternatives
Gusto, RemoteThree alternatives
Deel, QuickBooks Contractor Payments, Square PayrollQwen 3.7 FlashGusto, QuickBooks OnlineGustoChangedDeel, Gustoagainst: RipplingQuickBooks Online, Square Payrollagainst: Gustono first choiceagainst: Gusto, Ripplingagainst: Cash App, PayPal MassPay, Venmo, Zelle
Two alternatives
Native Teams, SurePayrollThree alternatives
Balance, Deel, UpworkFour alternatives
PayPal MassPay, Payoneer Workforce Management, Remote, Wise BusinessFour alternatives
BILL, Deel, Papaya Global, Wise BusinessKimi K2Gustoagainst: Deel, RemoteGustoHeldGustoSquare Payrollno first choiceagainst: ADP, Deel, Gusto, PayPal MassPay, Paychex, Wise Business
Two alternatives
Melio, QuickBooks Contractor PaymentsThree alternatives
Deel, Remote, Wise BusinessFour alternatives
Deel, Remote, Rippling, Wise BusinessTwo alternatives
Melio, QuickBooks Contractor PaymentsSeven alternatives
BILL, Deel, Gusto, QuickBooks Contractor Payments, Routable, Wingspan, WorkMarketGLM 4.7 FlashXGustoagainst: OnPayGustoHeldagainst: Square PayrollGustoagainst: Papaya Global, RipplingFoundno first choiceagainst: Cash App, Deel, Gusto, Houzz Pro, PayPal MassPay, ProContractor, Veem, Venmo
Three alternatives
Deel, QuickBooks Contractor Payments, Square PayrollFour alternatives
Deel, GoCardless, QuickBooks Payments, Stripe ConnectFour alternatives
Deel, QuickBooks Contractor Payments, Remote, Square PayrollTwo alternatives
Melio, Square PayrollMiniMax M2.5Gusto, Square PayrollGustoChangedGusto, Square PayrollSquare Contractor Paymentsno first choiceagainst: PayPal MassPay, Venmo
Three alternatives
Deel, QuickBooks Workforce, RemoteEight alternatives
Deel, Payoneer Workforce Management, QuickBooks Payments, Square Payroll, Tipalti, Trolley, Wise Business, WorksuiteThree alternatives
Deel, Remote, RipplingTwo alternatives
Gusto, QuickBooks Contractor PaymentsGPT-6 LunaSquare Payrollagainst: GustoBILL Accounts PayableChangedQuickBooks Contractor Paymentsagainst: Wise BusinessSquare Payrollagainst: Gustono first choiceagainst: Deel, PayPal MassPay, Venmo, Zelle
One alternative
QuickBooks Contractor PaymentsTwo alternatives
Gusto, Wise BusinessThree alternatives
Deel, Gusto, RemoteOne alternative
QuickBooks Contractor PaymentsMuse Glimmer 30BGusto, QuickBooks Contractor PaymentsGustoChangedDeelQuickBooks Contractor Payments, Square PayrollGustoagainst: Jobber, PayPal MassPay, Square Payroll, Thumbtack
Three alternatives
Deel, Remote, Square PayrollThree alternatives
Deel, Remote, Stripe ConnectFour alternatives
Gusto, Payoneer Workforce Management, Remote, Wise BusinessOne alternative
TaxBanditsFive alternatives
Deel, Papaya Global, QuickBooks Contractor Payments, Remote, Square PayrollBold 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 12:56 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:41 | 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 09:38 | no | 0 | 13 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:20 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:30 | yes | 10 | 40 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:05 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:49 | yes | 23 | 36 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:12 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:18 | yes | 5 | 37 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:31 | yes | 15 | 34 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:48 | yes | 22 | 23 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:42 | yes | 5 | 26 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:15 | yes | 3 | 12 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:10 | yes | 12 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:51 | yes | 17 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:21 | 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 12:33 | no | 0 | 14 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 08:39 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:09 | yes | 14 | 32 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:28 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:31 | yes | 23 | 29 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:33 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:14 | yes | 5 | 26 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:05 | yes | 10 | 19 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:51 | yes | 10 | 64 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:53 | yes | 5 | 24 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:02 | yes | 3 | 22 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:22 | yes | 15 | 23 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:05 | yes | 10 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:45 | yes | 6 | 8 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 10:37 | no | 0 | 13 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:26 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 9 | 32 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:17 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:56 | yes | 23 | 29 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:41 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:54 | no | 0 | 28 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:36 | yes | 15 | 22 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:55 | yes | 20 | 47 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:56 | yes | 10 | 32 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:54 | yes | 6 | 25 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:10 | yes | 15 | 27 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:51 | yes | 10 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:00 | yes | 4 | 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 10:44 | yes | 11 | 19 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 12:44 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 13 | 34 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:47 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:54 | yes | 24 | 25 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:17 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:43 | yes | 5 | 41 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:47 | yes | 14 | 49 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 13:01 | yes | 24 | 143 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:47 | yes | 7 | 38 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:40 | yes | 4 | 14 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:42 | yes | 10 | 19 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:32 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:55 | 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 11:24 | yes | 10 | 24 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:49 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 5 | 36 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:12 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:22 | yes | 14 | 25 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:49 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:37 | no | 0 | 28 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:50 | yes | 10 | 50 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:24 | yes | 15 | 57 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:13 | no | 0 | 75 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:05 | yes | 3 | 27 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:55 | yes | 14 | 27 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:28 | yes | 16 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:35 | yes | 8 | 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 12:27 | no | 0 | 17 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 10:58 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 19 | 34 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:19 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:49 | yes | 24 | 24 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:57 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:09 | yes | 5 | 25 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:45 | yes | 25 | 61 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:39 | yes | 24 | 57 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:12 | no | 0 | 20 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:04 | yes | 4 | 22 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:03 | yes | 22 | 28 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
Avalara read as Track1099
Avalara (formerly Track1099) read as Track1099
Avalara Track1099 read as Track1099
Bill.com read as BILL
Bill.com (BILL) read as BILL
Joist read as Joist Payments
Patriot read as Patriot Software
PayPal read as PayPal MassPay
PayPal (especially PayPal MassPay) read as PayPal MassPay
Payoneer read as Payoneer Workforce Management
QuickBooks read as QuickBooks Contractor Payments
QuickBooks Workforce / QuickBooks Contractor Payments read as QuickBooks Contractor Payments
Square read as Square Payroll
Stripe read as Stripe Connect
TalentDesk.io read as TalentDesk
Wave read as Wave Payroll
Unresolved, counted raw
BatchTransfer (Wise)
DealTrack
Direct ACH transfers
EasyStaff Payroll
Escrow.com
Houzz Pro
Maverick Payments
PaymentRails
Plane
ProContractor
SWIFT Transfers
Venmo Personal
Wholesale Payments
Discontinued, still offered
No shut-down product was recommended here.