Expense management for enterprise buyers
Asked as “expense management software”, and as “employee expense reporting tool”, on behalf of an enterprise B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
63%
Clear leader
63SAP Concur16Ramp10Expensify12others
63% of first choices, clear leader.
Since October 2026▼−5Since October 2026: 68% → 63%, −5 points. Inside the 10-point floor: within noise.SAP Concur held the lead, −5 points on 68%, 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
Zoho Expense48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.Standing →Mid-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.This page
Zoho Expense48%Clear leader▲+11Since October 2026: 37% → 48%, +11 points. Past the 10-point floor: movement.Standing →Mid-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.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
01SAP Concur63%18%73endorsed leader▼−5Since October 2026: 68% → 63%, −5 points. Inside the 10-point floor: within noise.68% → 63%
SAP Concur63%18%73endorsed leader▼−5Since October 2026: 68% → 63%, −5 points. Inside the 10-point floor: within noise.68% → 63%02Ramp16%15%59accepted challenger▲+1Since October 2026: 15% → 16%, +1 point. Inside the 10-point floor: within noise.15% → 16%
Ramp16%15%59accepted challenger▲+1Since October 2026: 15% → 16%, +1 point. Inside the 10-point floor: within noise.15% → 16%03
Expensify10%40%48criticized challenger▲+8Since October 2026: 2% → 10%, +8 points. Inside the 10-point floor: within noise.2% → 10%
Expensify10%40%48criticized challenger▲+8Since October 2026: 2% → 10%, +8 points. Inside the 10-point floor: within noise.2% → 10%04
Navan6%9%47accepted challenger▲+6Since October 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise.0% → 6%
Navan6%9%47accepted challenger▲+6Since October 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise.0% → 6%05
Brex4%23%44accepted challenger▲+4Since October 2026: 0% → 4%, +4 points. Inside the 10-point floor: within noise.0% → 4%
Brex4%23%44accepted challenger▲+4Since October 2026: 0% → 4%, +4 points. Inside the 10-point floor: within noise.0% → 4%06
Coupa Expense Management2%13%23accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Coupa Expense Management2%13%23accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%Show the six products at 0%, ordered by negative rate
12Zoho Expense0%39%23criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Zoho Expense0%39%23criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
BILL Spend & Expense0%23%13accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%
BILL Spend & Expense0%23%13accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%10
Airbase0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Airbase0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09
Rippling Spend0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Rippling Spend0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Payhawk0%9%11accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Payhawk0%9%11accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%07
Emburse0%3%33accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%
Emburse0%3%33accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 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 enterprise.
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
One product takes 63% of first choices here, so the chart would put eleven 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. Two products carry a negative rate above 25% in this category.
What they warned about
Eight of fourteen models held their first choice under the paraphrase. Gemini 3.5 Flash, Grok 4.20, DeepSeek V4 Flash, Llama 4 Maverick, Kimi K2 and GPT-6 Luna 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 Concur18%
13 of 73 labels negative · 11 of 14 models · 2 hard negative
“Avoid Concur unless you have a mandatory SAP ERP integration requirement, as its per-report pricing can become unpredictable and costly.” Muse Glimmer 30B, negative prompt
Expensify40%
19 of 48 labels negative · 10 of 14 models · 8 hard negative
“Not considered viable for scaling companies that need to manage expenses effectively, with a high number of negative labels and hard negatives.” Llama 4 Maverick, negative prompt
Ramp15%
9 of 59 labels negative · 9 of 14 models · 1 hard negative
“Avoid: Pure per-user models (like Expensify, Ramp at scale)” Kimi K2, budget prompt
Brex23%
10 of 44 labels negative · 8 of 14 models
“Lean card-first tools like Ramp or Brex — … best when the organization primarily needs corporate cards and basic expense tracking” 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
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. 841 links across 177 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.
31 answers · 49 citations · 12 models
vendor site · Emburse26 answers · 34 citations · 13 models
25 answers · 25 citations · 9 models
24 answers · 28 citations · 10 models
23 answers · 25 citations · 10 models
vendor site · Ramp22 answers · 26 citations · 12 models
22 answers · 24 citations · 9 models
vendor site · Expensify22 answers · 23 citations · 9 models
vendor site · Navan20 answers · 22 citations · 10 models
vendor site · Payoneer19 answers · 19 citations · 10 models
19 answers · 19 citations · 7 models
vendor site · Capterra16 answers · 31 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.
25 answers · 9 models
21 answers · 10 models
21 answers · 9 models
21 answers · 9 models
19 answers · 10 models
19 answers · 7 models
16 answers · 9 models
16 answers · 8 models
12 answers · 9 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 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 |
|---|---|---|---|---|---|---|---|---|
| SAP Concur sap.com | 63% | 414 | 74,000 | 502 | 2,214,514 | $1,251 | 23 | |
| Ramp ramp.com | 16% | 916 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | 3 |
| Expensify expensify.com | 10% | 246 | 74,000 | 932 | 76,291 | 0 | 1 | |
| Navan navan.com Navan 6%, Navan, formerly TripActions 0% | 6% | 329 | 110,000 | 1,342 | 175,958 | $2,716 | 120 | 8 |
| Brex brex.com | 4% | 524 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 3 |
| Coupa coupa.com Coupa Expense Management 2%, Coupa Spend Management 0% | 2% | 29 | 60,500 | 1,210 | 41,319 company | $339 | 91 | |
| Emburse emburse.com | 0% | 70 | 18,100 | 242 | 40,700 | $266 | 51 | |
| Payhawk payhawk.com | 0% | 106 | 2,400 | 27 | 5,824 | 21 | ||
| Rippling rippling.com Rippling Spend 0% | 0% | 124 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | |
| Airbase airbase.com | 0% | 142 | 14,800 | 577 | 5,429 |
Google's top ten for the three searches hold 18 sites; 2 of them are among the sites the models cited here (navan.com, ramp.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 an enterprise B2B company?”Paraphrase“Which employee expense reporting tool would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade expense management tools and how do they differ?”Budget-constrained“What is the best expense management software 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 expense management software. What should we look at?”Negative“Which expense management tools should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5SAP ConcurSAP ConcurHeldno first choiceSAP Concurno first choiceagainst: SAP Concur
Two alternatives
Ramp, Rippling SpendFour alternatives
Chrome River, Emburse, Expensify, Zoho ExpenseTwo alternatives
Airbase, Rippling SpendGPT-5.4 miniSAP ConcurSAP ConcurHeldSAP ConcurSAP Concurno first choicenothing named
Two alternatives
Brex, RampTwo alternatives
Coupa Expense Management, RampFour alternatives
Coupa Expense Management, Emburse, Navan, WorkdayTwo alternatives
BILL Spend & Expense, NavanGemini 3.5 FlashSAP ConcurNavanChangedSAP ConcurRampagainst: Expensify, SAP Concurno first choiceagainst: SAP Concuragainst: BILL Spend & Expense, Brex, Expensify, FreshBooks, QuickBooks Online Expenses, Ramp, Wave, Zoho Expense
Four alternatives
Brex, Coupa Expense Management, Navan, RampThree alternatives
Brex, Emburse, SAP ConcurFive alternatives
Brex, Coupa Expense Management, Emburse, Navan, RampTwo alternatives
Brex, Coupa Expense ManagementPerplexity SonarSAP ConcurSAP ConcurHeldEmburse, SAP Concuragainst: Expensify, Zoho ExpenseSAP Concurno first choiceagainst: Expensify, Rydoo, SAP Concur, Zoho Expense
Five alternatives
Brex, Navan, Ramp, Spendesk, Zoho ExpenseFour alternatives
Brex, Emburse, Navan, RampSix alternatives
Airwallex, Brex, Coupa Expense Management, Navan, Payhawk, RampOne alternative
PayhawkGrok 4.20Navan, SAP Concuragainst: Brex, ExpensifySAP ConcurChangedCoupa Expense Management, Emburse, SAP ConcurSAP Concuragainst: Airbase, Brex, Coupa Expense Management, Emburse, Expensify, Navan, Ramp, Zoho ExpenseRampagainst: Expensify, SAP Concuragainst: Coupa Expense Management, Expensify, Rydoo, SAP Concur, Tangoe, Zoho Expense
One alternative
RampSix alternatives
Brex, Coupa Expense Management, Emburse, Navan, Payhawk, RampFour alternatives
BILL Spend & Expense, Brex, Navan, RampFour alternatives
Brex, Emburse, Navan, Zoho ExpenseMistral SmallSAP ConcurSAP ConcurHeldSAP Concuragainst: ExpensifySAP Concurno first choiceagainst: Brex, Expensify, Ramp, SAP Concur
Six alternatives
Airbase, Brex, Expensify, Fyle, Navan, RampThree alternatives
Coupa Expense Management, Expensify, NavanThree alternatives
Airbase, Brex, RampDeepSeek V4 FlashCoupa Expense Management, SAP ConcurSAP ConcurChangedSAP ConcurExpensifyno first choiceagainst: BILL Spend & Expense, Brex, Coupa Expense Management, Expensify, NetSuite, Oracle Expenses, Ramp, SAP Ariba, SAP Concur
Three alternatives
Brex, Navan, RampThree alternatives
Coupa Expense Management, Navan, RampFour alternatives
Emburse, Expensify, Navan, RampThree alternatives
Coupa Expense Management, Emburse, SAP ConcurLlama 4 Maverickno first choiceBrex, Expensify, RampChangedno first choiceExpensify, Ramp, SAP Concurno first choiceagainst: Brex, Expensify, Ramp, SAP Concur
One alternative
SAP ConcurQwen 3.7 FlashSAP ConcurSAP ConcurHeldSAP ConcurSAP Concurno first choiceagainst: Expensify, Navan, Rippling Spend, TravelBankagainst: Expensify, QuickBooks Online Expenses, Zoho Expense
Four alternatives
Airbase, Brex, Expensify, RampThree alternatives
Expensify, Navan, RampFive alternatives
Brex, Coupa Expense Management, Expensify, Navan, RampTwo alternatives
ExpensePoint, Rippling SpendFive alternatives
Airbase, Brex, Emburse, Ramp, SAP ConcurKimi K2Brex, RampRamp, SAP ConcurChangedSAP ConcurSAP Concuragainst: Expensify, Rampno first choiceagainst: Brex, Expensify, SAP Concur
Three alternatives
Expensify, Navan, SAP ConcurTwo alternatives
Emburse, ExpensifySix alternatives
Emburse, Expensify, Navan, Ramp, Rydoo, Zoho ExpenseTwo alternatives
Emburse, NavanGLM 4.7 FlashXSAP ConcurSAP ConcurHeldSAP ConcurRampno first choiceagainst: BILL Spend & Expense, Brex, Chrome River, ExpensePoint, Expensify, Navan, Payhawk, Pleo, Ramp, Rydoo, SAP Concur, Sage Expense Management, Zoho Expense
Four alternatives
Expensify, Navan, Ramp, Rippling SpendThree alternatives
Expensify, Ramp, Zoho ExpenseNine alternatives
Airwallex, Brex, Emburse, Expensify, Navan, Payhawk, Ramp, Rippling Spend, Zoho ExpenseThree alternatives
Expensify, SAP Concur, Zoho ExpenseMiniMax M2.5SAP ConcurSAP ConcurHeldSAP ConcurExpensifyExpensifyagainst: Airbase, SAP Concurnothing named
Two alternatives
Expensify, RampFour alternatives
Coupa Expense Management, Emburse, Navan, RampFive alternatives
Emburse, Expensify, Navan, Ramp, Zoho ExpenseTwo alternatives
Emburse, SAP ConcurTwo alternatives
Brex, RampGPT-6 LunaRampSAP ConcurChangedEmburse, SAP ConcurNavanno first choiceagainst: Expensify Collect, Ramp, Zoho Expense
Three alternatives
Brex, Navan, SAP ConcurOne alternative
RampFive alternatives
Brex, Coupa Expense Management, Navan, Ramp, WorkdayOne alternative
SAP ConcurMuse Glimmer 30BSAP ConcurSAP ConcurHeldagainst: ExpensifyExpensifySAP Concuragainst: Brex, Navan, Rydoo, Sage Expense Management, Zoho Expenseno first choiceagainst: Brex, Expensify, Ramp, SAP Concur
Five alternatives
BILL Spend & Expense, Brex, Expensify, Navan, formerly TripActions, RampOne alternative
NavanSix alternatives
BILL Spend & Expense, Brex, Navan, formerly TripActions, Ramp, Rippling Spend, SAP ConcurTwo alternatives
Emburse, ExpensePointBold 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 10:32 | yes | 9 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:44 | yes | 4 | 6 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 08:56 | no | 0 | 17 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 11:38 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:27 | yes | 14 | 34 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:47 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:36 | yes | 24 | 24 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:27 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:57 | yes | 5 | 19 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:58 | yes | 10 | 22 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:00 | yes | 23 | 106 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:46 | yes | 5 | 35 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:35 | yes | 2 | 12 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:57 | yes | 13 | 17 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:10 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:02 | yes | 3 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:31 | yes | 12 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:39 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:27 | yes | 5 | 24 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:46 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:52 | yes | 23 | 21 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:32 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:25 | no | 0 | 29 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:35 | yes | 10 | 13 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:48 | yes | 15 | 17 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:10 | yes | 5 | 28 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:31 | yes | 2 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:18 | yes | 13 | 16 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:09 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:52 | yes | 7 | 10 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 10:30 | no | 0 | 24 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 11:20 | yes | 10 | 7 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 10 | 32 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:21 | yes | 10 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:55 | yes | 23 | 30 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:51 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:05 | yes | 9 | 35 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:15 | yes | 15 | 29 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:56 | yes | 15 | 111 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:27 | yes | 9 | 27 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:50 | yes | 7 | 18 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:14 | yes | 12 | 17 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:46 | yes | 18 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:49 | 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 09:31 | no | 0 | 19 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:36 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 14 | 26 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:00 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:23 | yes | 24 | 27 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:51 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:08 | yes | 5 | 34 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:21 | yes | 24 | 65 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 13:01 | yes | 20 | 32 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:49 | yes | 12 | 62 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:56 | yes | 2 | 15 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:14 | yes | 21 | 30 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:00 | yes | 19 | 12 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:48 | no | 0 | 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 11:27 | no | 0 | 21 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:41 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 15 | 38 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:20 | no | 0 | 13 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:21 | yes | 22 | 35 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:55 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:15 | yes | 10 | 37 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:16 | yes | 15 | 23 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:22 | yes | 13 | 33 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:38 | no | 0 | 21 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:54 | yes | 3 | 25 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:05 | yes | 14 | 26 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:51 | yes | 17 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:26 | yes | 2 | 7 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 12:53 | yes | 8 | 26 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:42 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:27 | yes | 10 | 39 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:40 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:53 | yes | 25 | 34 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:53 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:41 | yes | 14 | 48 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:57 | yes | 25 | 57 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:07 | yes | 14 | 79 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:24 | yes | 13 | 80 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:34 | yes | 4 | 17 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:11 | yes | 22 | 24 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.com read as BILL Spend & Expense
Certify read as Emburse
Coupa read as Coupa Expense Management
Coupa Expense read as Coupa Expense Management
Divvy (Bill.com) read as BILL Spend & Expense
Emburse Expense Enterprise read as Emburse
Oracle read as Oracle Expenses
QuickBooks Expense read as QuickBooks Online Expenses
QuickBooks Online (native expense tracker) read as QuickBooks Online Expenses
Rippling read as Rippling Spend
Workday Expenses read as Workday
Unresolved, counted raw
Workday Expense Management
Discontinued, still offered
No shut-down product was recommended here.