Index › Finance › Spend and procurement › Expense management › Small business · November 2026 Edition
Expense management for small business buyers
Asked as “expense management software”, and as “employee expense reporting tool”, on behalf of a small B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
48%
Clear leader
48Zoho Expense19Ramp13BILL Spend & Expense20others
48% of first choices, clear leader.
Since October 2026▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.Zoho Expense held the lead, +11 points on 37%, past the 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
Zoho Expense48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.This pageMid-market
Ramp31%Contested▼−4Since October 2026: 35% → 31%, −4 points. Inside the 10-point floor: within noise.Standing →Enterprise
SAP Concur63%Clear leader▼−5Since October 2026: 68% → 63%, −5 points. Inside the 10-point floor: within noise.Standing →
Zoho Expense48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.This pageMid-marketRamp31%Contested▼−4Since October 2026: 35% → 31%, −4 points. Inside the 10-point floor: within noise.Standing →EnterpriseSAP Concur63%Clear leader▼−5Since October 2026: 68% → 63%, −5 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
01Zoho Expense48%1%68endorsed leader▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.37% → 48%
Zoho Expense48%1%68endorsed leader▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.37% → 48%02Ramp19%7%59accepted challenger▼−6Since October 2026: 25% → 19%, −6 points. Inside the 10-point floor: within noise.25% → 19%
Ramp19%7%59accepted challenger▼−6Since October 2026: 25% → 19%, −6 points. Inside the 10-point floor: within noise.25% → 19%03
Expensify13%16%69accepted challenger▼−6Since October 2026: 19% → 13%, −6 points. Inside the 10-point floor: within noise.19% → 13%
Expensify13%16%69accepted challenger▼−6Since October 2026: 19% → 13%, −6 points. Inside the 10-point floor: within noise.19% → 13%04
BILL Spend & Expense13%4%47accepted challenger▼−1Since October 2026: 14% → 13%, −1 point. Inside the 10-point floor: within noise.14% → 13%
BILL Spend & Expense13%4%47accepted challenger▼−1Since October 2026: 14% → 13%, −1 point. Inside the 10-point floor: within noise.14% → 13%05
Brex2%13%30accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%
Brex2%13%30accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise.4% → 2%06
Wave2%0%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Wave2%0%12accepted 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
10SAP Concur0%89%19criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
SAP Concur0%89%19criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09
Emburse0%27%15criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Emburse0%27%15criticized challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%07QuickBooks Online Expenses0%21%19accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
08
Xero0%18%11accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Xero0%18%11accepted 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 small business.
All twenty-eight head-to-head pages: the top eight products, each against each
Ramp vs Rippling SpendRamp vs NavanRamp vs BrexRamp vs EmburseZoho Expense vs ExpensifyZoho Expense vs BILL Spend & ExpenseZoho Expense vs Rippling SpendZoho Expense vs NavanZoho Expense vs BrexZoho Expense vs EmburseExpensify vs BILL Spend & ExpenseExpensify vs Rippling SpendExpensify vs NavanExpensify vs BrexExpensify vs EmburseBILL Spend & Expense vs Rippling SpendBILL Spend & Expense vs NavanBILL Spend & Expense vs BrexBILL Spend & Expense vs EmburseRippling Spend vs NavanRippling Spend vs BrexRippling Spend vs EmburseNavan vs BrexNavan vs EmburseBrex vs Emburse
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 →
010203040506Q07
080910Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Zoho Expense48%
Zoho Expense48%02Ramp19%
Ramp19%03Expensify13%
Expensify13%04BILL Spend & Expense13%
BILL Spend & Expense13%05Brex2%
Brex2%06Wave2%
Wave2%07QuickBooks Online Expenses0%
08Xero0%
Xero0%09Emburse0%
Emburse0%10SAP Concur0%
SAP Concur0%What they warned about
Six of fourteen models held their first choice under the paraphrase. GPT-5.4 mini, Perplexity Sonar, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX 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.
SAP Concur89%
17 of 19 labels negative · 11 of 14 models · 7 hard negative
“Examples to scrutinize: SAP Concur, Oracle NetSuite Expense Management, Dell Fieldglass... usually, they are overkill for solo founders or small teams.” Qwen 3.7 Flash, negative prompt
Expensify16%
11 of 69 labels negative · 9 of 14 models · 2 hard negative
“Extremely difficult cancellation process—users report ongoing charges even after "canceling," ... label it a "garbage company" or "most regrettable choice."” Grok 4.20, negative prompt
Coupa Expense Management100%
6 of 6 labels negative · 5 of 14 models · 4 hard negative
“Overly enterprise-focused tools (e.g., SAP Concur, Oracle, or Coupa): ... Avoid unless you expect rapid growth” Grok 4.20, negative prompt
Brex13%
4 of 30 labels negative · 4 of 14 models · 1 hard negative
“unauthorized charges from linked services (e.g., LinkedIn) that the company refuses to reverse” Grok 4.20, 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. 741 links across 146 sites, every framing counted. Ranked by the number of answers carrying the site or page. 6 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 · BILL35 answers · 58 citations · 14 models
vendor site · Expensify33 answers · 40 citations · 11 models
vendor site · G228 answers · 38 citations · 12 models
27 answers · 27 citations · 8 models
25 answers · 25 citations · 9 models
vendor site · Expensify21 answers · 21 citations · 10 models
21 answers · 21 citations · 9 models
vendor site · Capterra20 answers · 38 citations · 9 models
vendor site · Zoho20 answers · 37 citations · 9 models
19 answers · 19 citations · 8 models
17 answers · 17 citations · 7 models
vendor site · Tailride17 answers · 17 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.
30 answers · 11 models
27 answers · 8 models
25 answers · 9 models
24 answers · 10 models
21 answers · 9 models
18 answers · 8 models
17 answers · 7 models
17 answers · 9 models
17 answers · 7 models
13 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 expense management software”, “expense management software”, “expense management tools”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Zoho parent site Zoho Expense 48% | 48% | 194 | 5,400 | 52 | ||||
| Ramp ramp.com | 19% | 916 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | 3 |
| Expensify expensify.com | 13% | 246 | 74,000 | 932 | 76,291 | 0 | 1 | |
| BILL bill.com BILL Spend & Expense 13% | 13% | 331 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| Brex brex.com | 2% | 524 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 3 |
| Wave waveapps.com | 2% | 363 | 368,000 | 253,218 | 708,862 | 39 | ||
| Pleo pleo.io | 2% | 53 | 2,400 | 162 | 3,593 | 0 | ||
| Rippling rippling.com Rippling Spend 2% | 2% | 124 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | |
| QuickBooks parent site QuickBooks Online Expenses 0%, QuickBooks Online Accountant 0% | 0% | 27 | 1,000,000 | 54,681 | ||||
| Xero xero.com | 0% | 729 | 90,500 | 4,610 | 1,200,289 | $500 | 119 |
Google's top ten for the three searches hold 18 sites; 1 of them are among the sites the models cited here (expensify.com). The first result for “best expense management software” is expensify.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 expense management software for a small B2B company?”Paraphrase“Which employee expense reporting tool would you recommend to a small business that sells to other businesses?”Comparative“What are the top expense management tools for a small team and how do they differ?”Budget-constrained“What is the best expense management software for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating an expense management software. What should we look at?”Negative“Which expense management tools should a small business avoid or be cautious about?”
Claude Haiku 4.5Zoho ExpenseZoho ExpenseHeldagainst: QuickBooks Online ExpensesExpensifyZoho Expenseno first choiceagainst: SAP Concur, Xero, Zoho Expense
Three alternatives
BILL Spend & Expense, Expensify, RampOne alternative
ExpensifyFour alternatives
BILL Spend & Expense, Ramp, Wave, Zoho ExpenseTwo alternatives
BILL Spend & Expense, RampGPT-5.4 miniZoho ExpenseRampChangedZoho ExpenseBILL Spend & Expense, Zoho Expenseno first choiceagainst: Paychex, Payhawk, Rippling Finance, SAP Concur, Sage Expense Management
Four alternatives
BILL Spend & Expense, Brex, Ramp, XeroOne alternative
ExpensifyFive alternatives
BILL Spend & Expense, Brex, Expensify, QuickBooks Online Expenses, RampOne alternative
XeroGemini 3.5 FlashRampagainst: SAP ConcurRampHeldBILL Spend & Expense, RampRampRampagainst: Coupa Expense Management, SAP Concuragainst: Brex, Coupa Expense Management, Emburse, Expensify, SAP Concur
Four alternatives
BILL Spend & Expense, Brex, Expensify, Zoho ExpenseThree alternatives
Expensify, Fyle, Zoho ExpenseFour alternatives
Brex, Expensify, Fyle, Zoho ExpenseThree alternatives
Expensify, Wave, Zoho ExpenseFive alternatives
Brex, Expensify, Navan, Rippling Expenses, Zoho ExpensePerplexity SonarBILL Spend & ExpenseZoho ExpenseChangedExpensifyZoho Expenseno first choiceagainst: Brex, Coupa Expense Management, Ramp, SAP Concur
Five alternatives
Expensify, Pleo, Ramp, Spendesk, Zoho ExpenseTwo alternatives
BILL Spend & Expense, ExpensifyFive alternatives
Airwallex, BILL Spend & Expense, Brex, Ramp, Zoho ExpenseThree alternatives
BILL Spend & Expense, Expensify, RampGrok 4.20Zoho ExpenseZoho ExpenseHeldZoho Expenseagainst: Rippling Spend, SAP ConcurZoho ExpensePleoagainst: Concur**, Expensifyagainst: Brex, Coupa Expense Management, Expensify, Oracle Expenses, SAP Concur, Sage Expense Management, Tallie
Four alternatives
Expensify, FreshBooks, QuickBooks Online Expenses, RampThree alternatives
Expensify, QuickBooks Online Expenses, XeroThree alternatives
Expensify, QuickBooks Online Expenses, RampFour alternatives
Expensify, QuickBooks Online Expenses, Ramp, WaveSix alternatives
Brex, Emburse, Moss, Payhawk, Ramp, Zoho ExpenseMistral SmallBILL Spend & Expense, Zoho ExpenseExpensifyChangedExpensifyBILL Spend & Expense, Zoho Expenseno first choiceagainst: Coupa Expense Management, Emburse, Expensify, SAP Concur, Webexpenses
Two alternatives
Brex, ExpensifyTwo alternatives
Emburse, Zoho ExpenseFive alternatives
BILL Spend & Expense, Brex, Moss, Ramp, Zoho ExpenseTwo alternatives
Expensify, RampDeepSeek V4 FlashBILL Spend & Expenseagainst: ExpensifyBILL Spend & ExpenseHeldRampZoho ExpenseBrex, Rampagainst: Pleoagainst: BILL Spend & Expense, Emburse, Navan, QuickBooks for Expense Management, Ramp, SAP Concur
Three alternatives
Brex, Ramp, Zoho ExpenseFive alternatives
Brex, Expensify, FreshBooks, Ramp, Zoho ExpenseFour alternatives
BILL Spend & Expense, Brex, Expensify, Zoho ExpenseTwo alternatives
BILL Spend & Expense, RampTwo alternatives
Expensify, Zoho ExpenseLlama 4 Maverickno first choiceExpensifyChangedBILL Spend & Expenseno first choiceno first choicenothing named
Four alternatives
Emburse, Navan, Rydoo, Zoho ExpenseTwo alternatives
Expensify, Zoho ExpenseQwen 3.7 FlashBILL Spend & Expense, Rampagainst: QuickBooks Online Expenses, SAP Concur, XeroExpensifyChangedQuickBooks Online Expenses, XeroZoho ExpenseRampagainst: Expensify, SAP Concuragainst: Dell Fieldglass, Expensify, Oracle NetSuite Expense Management, SAP Concur
Two alternatives
Expensify, Zoho ExpenseThree alternatives
BILL Spend & Expense, QuickBooks Online Expenses, Zoho ExpenseFour alternatives
Brex, Dext Prepare, Expensify, RampFour alternatives
Expensify, PayPal, QuickBooks Online Accountant, WaveTwo alternatives
BILL Spend & Expense, BrexKimi K2Expensify, Zoho ExpenseZoho ExpenseChangedRampZoho Expenseno first choiceagainst: BILL Spend & Expense, Expensify, QuickBooks Online Expenses, Ramp, Rydoo, Webexpenses
Three alternatives
Emburse, Ramp, TailrideOne alternative
RampFour alternatives
BILL Spend & Expense, Brex, Expensify, Zoho ExpenseThree alternatives
Expensify, Ramp, WaveFour alternatives
BILL Spend & Expense, Expensify, Ramp, Zoho ExpenseGLM 4.7 FlashXExpensify, Zoho Expenseagainst: SAP ConcurRippling SpendChangedagainst: Expensify, QuickBooks Online ExpensesZoho ExpenseWave, Zoho ExpenseZoho Expensenothing named
Three alternatives
BILL Spend & Expense, Brex, RampOne alternative
Zoho ExpenseFour alternatives
BILL Spend & Expense, Expensify, Ramp, Rippling SpendOne alternative
ExpensifyFour alternatives
Emburse, Expensify, Ramp, WebexpensesMiniMax M2.5Zoho ExpenseZoho ExpenseHeldZoho ExpenseZoho Expenseno first choicenothing named
Three alternatives
Brex, Emburse, RampThree alternatives
Expensify, FreshBooks, QuickBooks Online ExpensesFour alternatives
BILL Spend & Expense, Expensify, FreshBooks, QuickBooks Online ExpensesThree alternatives
Expensify, FreshBooks, WaveGPT-6 LunaRampRampHeldRampZoho Expenseno first choiceagainst: Brex, Expensify, Ramp, SAP Concur
Two alternatives
BILL Spend & Expense, ExpensifyTwo alternatives
BILL Spend & Expense, Zoho ExpenseFour alternatives
BILL Spend & Expense, Brex, Expensify, Zoho ExpenseTwo alternatives
Expensify, RampMuse Glimmer 30BExpensify, Zoho ExpenseExpensifyChangedExpensify, Zoho Expenseagainst: SAP ConcurZoho Expenseno first choiceagainst: BQE CORE Suite, Coupa Expense Management, Emburse, Expensify, QuickBooks Online expense/receipt matching, SAP Concur
Three alternatives
BILL Spend & Expense, Brex, RampOne alternative
Zoho ExpenseTwo alternatives
Brex, RampOne alternative
ExpensifyBold 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 09:24 | yes | 10 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:11 | yes | 1 | 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 08:43 | yes | 5 | 20 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 10:35 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 6 | 25 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:29 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:03 | yes | 24 | 23 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:57 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:46 | yes | 10 | 31 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:09 | yes | 5 | 14 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:41 | yes | 16 | 63 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:38 | yes | 5 | 27 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:51 | yes | 3 | 15 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:25 | yes | 12 | 20 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:57 | yes | 10 | 7 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:43 | no | 0 | 2 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 08:50 | no | 0 | 14 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:14 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 5 | 28 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:06 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:30 | yes | 21 | 30 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:44 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:51 | yes | 5 | 25 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:48 | yes | 19 | 19 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:40 | yes | 15 | 176 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:33 | yes | 7 | 34 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:55 | yes | 3 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:40 | yes | 11 | 13 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:27 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:25 | yes | 4 | 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 09:11 | yes | 8 | 20 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:45 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:30 | yes | 10 | 34 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:13 | yes | 5 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:44 | yes | 21 | 27 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:39 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:47 | no | 0 | 29 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:15 | yes | 15 | 32 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:33 | yes | 25 | 43 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:29 | yes | 10 | 28 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:43 | yes | 6 | 22 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:40 | yes | 13 | 28 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:13 | yes | 10 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:36 | 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 10:28 | yes | 8 | 18 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:52 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 5 | 23 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:13 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:26 | yes | 25 | 24 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:04 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:08 | no | 0 | 29 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:42 | yes | 10 | 20 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:54 | yes | 24 | 29 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:43 | yes | 5 | 28 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:59 | yes | 3 | 50 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:35 | yes | 12 | 15 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:10 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:52 | 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 09:39 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:32 | yes | 10 | 6 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 5 | 33 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:42 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:44 | yes | 18 | 25 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:09 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:05 | no | 0 | 25 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:11 | yes | 9 | 62 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:28 | yes | 16 | 31 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:00 | yes | 10 | 21 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:22 | yes | 2 | 13 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:46 | no | 0 | 5 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:07 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:17 | yes | 4 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:55 | yes | 6 | 22 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:57 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:19 | yes | 9 | 32 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:02 | yes | 10 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:37 | yes | 23 | 27 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:09 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:44 | yes | 10 | 23 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:22 | yes | 20 | 58 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:10 | yes | 23 | 122 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:33 | yes | 9 | 26 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:21 | yes | 5 | 15 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:16 | yes | 15 | 25 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
BILL read as BILL Spend & Expense
BILL (formerly Bill.com) read as BILL Spend & Expense
Bill.com read as BILL Spend & Expense
Certify read as Emburse
Coupa read as Coupa Expense Management
Divvy read as BILL Spend & Expense
Divvy (Bill.com) read as BILL Spend & Expense
Oracle read as Oracle Expenses
QuickBooks read as QuickBooks Online Expenses
QuickBooks Expense read as QuickBooks Online Expenses
QuickBooks Expense (Intuit) read as QuickBooks Online Expenses
QuickBooks Online read as QuickBooks Online Expenses
QuickBooks Online (Expense Module) read as QuickBooks Online Expenses
Rippling read as Rippling Spend
Wave Accounting read as Wave
Xero Expenses read as Xero
Zoho read as Zoho Expense
Unresolved, counted raw
BQE CORE Suite
Concur** (SAP)
Dell Fieldglass
QuickBooks Online expense/receipt matching
QuickBooks for Expense Management
QuickBooks-native tools
Rippling Expenses
Discontinued, still offered
No shut-down product was recommended here.