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September 2026 Edition, published · The permanent record of that edition, superseded since. The current standing is on the category page →
Index › Finance › Spend and procurement › Spend management platfor · September 2026 Edition

Spend management platforms

Asked as “spend management platform”, and as “all-in-one spend control software”, on behalf of a mid-market B2B company. 47 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
49%
Ramp
Clear leader
49Ramp26Airbase15BILL Spend & Expense11others

49% of first choices, clear leader.

ShowinginAll 57 categories in the September 2026 Edition →

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 businessRamp51%Clear leaderStanding →Mid-marketRamp49%Clear leaderThis pageEnterpriseCoupa54%Clear leaderStanding →

The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Ramp49%8%59endorsed leader
02Airbase26%7%43accepted challenger
03BILL Spend & Expense15%16%49accepted challenger
04Spendesk9%8%25accepted challenger
Show the ten products at 0%, ordered by negative rate
14Rippling Spend0%39%18criticized challenger
12Coupa0%33%21criticized challenger
13SAP Concur0%28%18criticized challenger
11Expensify0%23%13accepted challenger
05Brex0%13%39accepted challenger
06Emburse0%0%24accepted challenger
07Payhawk0%0%16accepted challenger
08Procurify0%0%15accepted challenger
09Zoho Expense0%0%11accepted challenger
10Navan0%0%10accepted challenger
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 head
Ramp vs AirbaseRamp vs BILL Spend & ExpenseRamp vs Spendesk
All six head-to-head pages: the top four products, each against each
Airbase vs BILL Spend & ExpenseAirbase vs SpendeskBILL Spend & Expense vs Spendesk

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 →
01
02
03
04
05
06
07
08
09
10
11
12
13
14
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Ramp49%
02Airbase26%
03BILL Spend & Expense15%
04Spendesk9%
05Brex0%
06Emburse0%
07Payhawk0%
08Procurify0%
09Zoho Expense0%
10Navan0%
11Expensify0%
12Coupa0%
13SAP Concur0%
14Rippling Spend0%

What they warned about

Four of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, Grok 4.20, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX and MiniMax M2.5 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.
BILL Spend & Expense
16%
8 of 49 labels negative · 7 of 12 models · 2 hard negative
“Be especially cautious with: - BILL Spend & Expense — integration, approval, and support issues” GLM 4.7 FlashX, negative prompt
Rippling Spend
39%
7 of 18 labels negative · 6 of 12 models · 2 hard negative
“Rippling Spend — high cost, complexity, and limited reporting” GLM 4.7 FlashX, negative prompt
Coupa
33%
7 of 21 labels negative · 5 of 12 models · 1 hard negative
“Best avoided for non-enterprise teams or those needing intuitive tools” Grok 4.20, negative prompt
Brex
13%
5 of 39 labels negative · 5 of 12 models
“Brex has received several complaints regarding: - Poor customer support and unresponsive service - Sudden account closures with minimal warning” MiniMax M2.5, negative prompt

What they cite

Twelve of the twelve models returned a source list in this edition: four return the pages they cited and eight the search results they consulted.

Sites the answers cite

67 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 894 links across 172 sites, every framing counted. Ranked by the number of answers carrying the site or page.

emburse.com
vendor site · Emburse53 answers · 60 citations · 11 models
gartner.com
35 answers · 37 citations · 9 models
ramp.com
vendor site · Ramp31 answers · 41 citations · 10 models
zylo.com
vendor site · Zylo27 answers · 30 citations · 11 models
spendesk.com
vendor site · Spendesk26 answers · 37 citations · 10 models
learn.g2.com
vendor site · G225 answers · 33 citations · 10 models
procurify.com
vendor site · Procurify22 answers · 23 citations · 11 models
fraxion.biz
vendor site · Fraxion21 answers · 22 citations · 9 models
siit.io
20 answers · 20 citations · 10 models
cpaforge.com
19 answers · 19 citations · 9 models
bill.com
vendor site · BILL17 answers · 20 citations · 8 models
airwallex.com
vendor site · Airwallex17 answers · 19 citations · 8 models

Pages the answers cite

The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.

emburse.com/resources/best-spend-management-platforms
53 answers · 11 models
gartner.com/reviews/market/expense-management-software
35 answers · 9 models
zylo.com/blog/best-spend-management-software
27 answers · 11 models
ramp.com/blog/best-spend-management-software
22 answers · 8 models
spendesk.com/blog/spend-management-software
22 answers · 10 models
fraxion.biz/blog/top-spend-management-software
20 answers · 9 models
siit.io/blog/best-spend-management-tools
20 answers · 10 models
cpaforge.com/best/best-spend-management-platforms
19 answers · 9 models
procurify.com/blog/best-spend-management-software
18 answers · 11 models
learn.g2.com/best-spend-management-software
15 answers · 9 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 spend management platform”, “spend management platform”, “spend management 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 productsShareOwn site citedName searches, GoogleAI search demand, est.Organic visitsPaid search a month, est.Google ads, last 30 daysBest Google position
Ramp ramp.com49%916246,00049,733770,056$13,5111203
Airbase airbase.com26%14214,8005775,429
BILL bill.com
BILL Spend & Expense 15%		15%3312,740,0001,063,0011,783,039 company$199,2311197
Spendesk spendesk.com9%981,0002224,6102
Fraxion fraxion.biz2%77
Brex brex.com0%52460,5001,190328,914$12,238811
Emburse emburse.com0%7018,10024240,700$26651
Payhawk payhawk.com0%1062,400275,824213
Procurify procurify.com0%2784,4004362,225$28214
Zoho parent site
Zoho Expense 0%		0%1945,40052

Google's top ten for the three searches hold 14 sites; 5 of them are among the sites the models cited here (bill.com, fraxion.biz, gartner.com, ramp.com, spendesk.com). The first result for “best spend management platform” is gartner.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
ModelDirect“What is the best spend management platform for a mid-market B2B company?”Paraphrase“Which all-in-one spend control software would you recommend to a mid-sized B2B company?”Comparative“What are the top spend management platforms and how do they differ?”Budget-constrained“What is the best spend management platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a spend management platform. What should we look at?”Negative“Which spend management platforms should I avoid or be cautious about?”
Claude Haiku 4.5Ramp
Four alternativesAirbase, Brex, Procurify, SAP Concur
Fraxion, RampChanged
Two alternativesAirbase, BILL Spend & Expense
no first choice
Five alternativesAirwallex, BILL Spend & Expense, Brex, Coupa, Navan
BILL Spend & Expense
Two alternativesTradogram, Zoho Expense
no first choiceagainst: Rippling Spend, Spendesk
GPT-5.4 miniRamp
Three alternativesNavan, Payhawk, Rippling Spend
against: SAP ConcurRampHeld
Two alternativesPayhawk, Rippling Spend
Ramp
Two alternativesBILL Spend & Expense, Brex
BILL Spend & Expense
Three alternativesExpensify, Ramp, Zoho Expense
no first choiceagainst: BILL Spend & Expense, Impact, Spend.net, TSYS/Global Payments
Gemini 3.5 FlashRamp
Four alternativesAirbase, Airwallex, BILL Spend & Expense, Brex
RampHeld
Four alternativesAirbase, Airwallex, Brex, Rippling Spend
Ramp
Five alternativesAirbase, Brex, Coupa, Navan, SAP Concur
Ramp
Four alternativesAirwallex, BILL Spend & Expense, Mercury, Zoho Expense
no first choiceagainst: Coupa, SAP Concuragainst: BILL Spend & Expense, Brex, Expensify, Ramp, SAP Concur
Perplexity SonarAirbase
Four alternativesBILL Spend & Expense, Emburse, Procurify, Ramp
AirbaseHeld
Two alternativesRamp, Spendesk
against: BILL Spend & ExpenseRamp
Eight alternativesAirbase, BILL Spend & Expense, Brex, Coupa, Payhawk, Spendesk, Stampli, Tipalti
BILL Spend & Expense, Ramp
Two alternativesExpensify, Zoho Expense
no first choiceagainst: Airbase, BILL Spend & Expense, Brex, Coupa, Expend, Ramp, SAP Concur, Tipalti
Grok 4.20Ramp
Two alternativesAirbase, Spendesk
AirbaseChanged
Four alternativesBILL Spend & Expense, Brex, Ramp, Spendesk
Ramp
Six alternativesAirbase, BILL Spend & Expense, Brex, Coupa, Payhawk, Spendesk
Ramp
Three alternativesBILL Spend & Expense, Brex, Zoho Expense
Ramp
Five alternativesBILL Spend & Expense, Brex, Emburse, Payhawk, Spendesk
against: Airbase, Coupa, Expensify, Rippling Spend, Spendesk
Mistral SmallAirbase
Two alternativesBILL Spend & Expense, Ramp
Airbase, SpendeskChanged
Three alternativesEmburse, Expensify, Rippling Spend
no first choice
Seven alternativesAirbase, Brex, Coupa, Emburse, Payhawk, Ramp, Spendesk
BILL Spend & Expense, Rampno first choicenothing named
DeepSeek V4 FlashRamp
Three alternativesAirbase, Brex, Navan
RampHeld
Three alternativesAirbase, Brex, Payhawk
against: CoupaRamp
Six alternativesAirbase, BILL Spend & Expense, Brex, Navan, Payhawk, SAP Concur
against: CoupaRamp
Three alternativesBILL Spend & Expense, Brex, Expensify
Ramp
Five alternativesAirbase, BILL Spend & Expense, Brex, Payhawk, Spendesk
against: Coupaagainst: BILL Spend & Expense, Brex, Emburse Spend, Expensify, Rippling Spend, SAP Concur
Llama 4 MaverickAirbaseSpendeskChanged
Three alternativesAirbase, BILL Spend & Expense, Ramp
no first choiceBILL Spend & Expense
Two alternativesRamp, Spendesk
Ramp
Three alternativesAirbase, BILL Spend & Expense, Brex
nothing named
Qwen 3.7 FlashAirbase
Four alternativesBILL Spend & Expense, Emburse, Ramp, Spendesk
SpendeskChanged
One alternativeAirbase
against: Rippling SpendRamp
Six alternativesAirbase, BILL Spend & Expense, Brex, Coupa, Pleo, Spendesk
BILL Spend & Expense
Three alternativesExpensify, Ramp, Zoho Expense
no first choiceagainst: BILL Spend & Expense, Ramp, Rippling Spend
Kimi K2Airbase
Four alternativesFraxion, Procurify, Ramp, Spendesk
RampChanged
Three alternativesBrex, Emburse, Spendesk
against: Airbaseno first choiceBILL Spend & Expense, Ramp
Three alternativesBrex, Expensify, Zoho Expense
Airbase
Three alternativesBILL Spend & Expense, Ramp, Spendesk
against: BILL Spend & Expense, Brex, Ramp, Rippling Spend
GLM 4.7 FlashXAirbase
One alternativeRamp
against: Coupa, SAP AribaAirbase, RampChanged
Three alternativesFraxion, Procurify, SAP Concur
Ramp
Six alternativesAirbase, Brex, Coupa, Emburse, Expensify, Spendesk
Ramp
Two alternativesBILL Spend & Expense, Zoho Expense
no first choiceagainst: BILL Spend & Expense, Corpay Complete, ProSpend, Rippling Spend
MiniMax M2.5Airbase, Ramp
Three alternativesEmburse, Payhawk, Procurify
SpendeskChanged
Three alternativesAirbase, Emburse, Ramp
no first choiceRamp
Three alternativesAirwallex, BILL Spend & Expense, Zoho Expense
no first choiceagainst: Brex, Ramp
Bold 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.
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:09yes99 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 21:05yes37 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:10yes1125 s
Direct recommendationPerplexity Sonarsonar2026-09-17 19:29yes206 s
Direct recommendationGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 19:56yes3015 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 18:02yes55 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:29yes914 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:02yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 21:00yes528 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:13yes919 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:51yes20148 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:12yes930 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:28yes159 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:45yes46 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:36yes2028 s
ParaphrasePerplexity Sonarsonar2026-09-17 20:08yes207 s
ParaphraseGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 19:12yes3317 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 19:03yes56 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:17yes1414 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:56yes54 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:47yes522 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:35yes1771 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:10yes895 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:16yes932 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:46yes98 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:54yes49 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:37yes1524 s
ComparativePerplexity Sonarsonar2026-09-17 20:33yes2010 s
ComparativeGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 20:41yes2116 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 18:03yes88 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:14yes1722 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:53yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:23yes1025 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:48yes1024 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:02yes2864 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:09yes920 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:13yes97 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:02yes44 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:19yes1020 s
Budget constrainedPerplexity Sonarsonar2026-09-17 18:55yes185 s
Budget constrainedGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 20:16yes2314 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:55yes53 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:01yes816 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:58yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:54yes1038 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:08yes931 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:46yes25100 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:23yes1023 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:30no07 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:51no011 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:16no0177 s
Scale constrainedPerplexity Sonarsonar2026-09-17 19:27yes1810 s
Scale constrainedGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 19:28yes1112 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 18:53no09 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:05yes1724 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:00yes53 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:28no065 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:54yes1229 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:28yes19141 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:28yes824 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:58yes1710 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:47yes68 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:03yes2328 s
Negative framingPerplexity Sonarsonar2026-09-17 20:01yes209 s
Negative framingGrok 4.20spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version)2026-09-17 20:14yes4017 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 19:55yes57 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:09yes1423 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 21:06yes53 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:11yes1336 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:59yes2852 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:15yes2786 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:02yes2434 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 Divvy) read as BILL Spend & Expense
Bill.com read as BILL Spend & Expense
Divvy read as BILL Spend & Expense
Oracle Procurement Cloud read as Oracle Fusion Cloud Procurement
Rippling read as Rippling Spend
Unresolved, counted raw
Expend
Impact
Spend.net
TSYS/Global Payments
Discontinued, still offered
No shut-down product was recommended here.

Also in spend and procurement

The other categories of this function, with the leader in each.
← Procure-to-payStrategic sourcing →