Business bill pay
Asked as “bill pay platform for businesses”, and as “vendor payments software”, on behalf of a mid-market B2B company. 52 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
33%
Contested · Melio 21%
33BILL21Melio12Ramp35others
33% of first choices, contested.
Since October 2026▲+1Since October 2026: 32% → 33%, +1 point. Inside the 10-point floor: within noise.BILL held the lead, +1 point on 32%, 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
Melio44%Clear leader▲+2Since October 2026: 42% → 44%, +2 points. Inside the 10-point floor: within noise.Standing →Mid-market
BILL33%Contested▲+1Since October 2026: 32% → 33%, +1 point. Inside the 10-point floor: within noise.This pageEnterprise
HighRadius29%Contested↗new leaderNew leader since October 2026: HighRadius (29%) replaces Tipalti (42% then, 25% now), 4 points clear, inside the 10-point floor.Standing →
Melio44%Clear leader▲+2Since October 2026: 42% → 44%, +2 points. Inside the 10-point floor: within noise.Standing →Mid-marketBILL33%Contested▲+1Since October 2026: 32% → 33%, +1 point. Inside the 10-point floor: within noise.This pageEnterpriseHighRadius29%Contested↗new leaderNew leader since October 2026: HighRadius (29%) replaces Tipalti (42% then, 25% now), 4 points clear, inside the 10-point floor.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01BILL33%27%64criticized default▲+1Since October 2026: 32% → 33%, +1 point. Inside the 10-point floor: within noise.32% → 33%
BILL33%27%64criticized default▲+1Since October 2026: 32% → 33%, +1 point. Inside the 10-point floor: within noise.32% → 33%02Melio21%6%31accepted challenger▲+8Since October 2026: 13% → 21%, +8 points. Inside the 10-point floor: within noise.13% → 21%
Melio21%6%31accepted challenger▲+8Since October 2026: 13% → 21%, +8 points. Inside the 10-point floor: within noise.13% → 21%03
Ramp12%0%31accepted challenger▼−9Since October 2026: 21% → 12%, −9 points. Inside the 10-point floor: within noise.21% → 12%
Ramp12%0%31accepted challenger▼−9Since October 2026: 21% → 12%, −9 points. Inside the 10-point floor: within noise.21% → 12%04
Stampli10%4%26accepted challenger▲+8Since October 2026: 2% → 10%, +8 points. Inside the 10-point floor: within noise.2% → 10%
Stampli10%4%26accepted challenger▲+8Since October 2026: 2% → 10%, +8 points. Inside the 10-point floor: within noise.2% → 10%05
Tipalti8%7%41accepted challenger▲+2Since October 2026: 6% → 8%, +2 points. Inside the 10-point floor: within noise.6% → 8%
Tipalti8%7%41accepted challenger▲+2Since October 2026: 6% → 8%, +2 points. Inside the 10-point floor: within noise.6% → 8%06
AvidXchange2%0%22accepted challenger▼−9Since October 2026: 11% → 2%, −9 points. Inside the 10-point floor: within noise.11% → 2%
AvidXchange2%0%22accepted challenger▼−9Since October 2026: 11% → 2%, −9 points. Inside the 10-point floor: within noise.11% → 2%07
QuickBooks Bill Pay2%7%15accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
QuickBooks Bill Pay2%7%15accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%Show the two products at 0%, ordered by negative rate
09
Doxo0%56%16criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Doxo0%56%16criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Coupa Pay0%40%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Coupa Pay0%40%10criticized 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 head
All twenty-one head-to-head pages: the top seven products, each against each
BILL vs TipaltiBILL vs AvidXchangeBILL vs QuickBooks Bill PayMelio vs RampMelio vs StampliMelio vs TipaltiMelio vs AvidXchangeMelio vs QuickBooks Bill PayRamp vs StampliRamp vs TipaltiRamp vs AvidXchangeRamp vs QuickBooks Bill PayStampli vs TipaltiStampli vs AvidXchangeStampli vs QuickBooks Bill PayTipalti vs AvidXchangeTipalti vs QuickBooks Bill PayAvidXchange vs QuickBooks Bill Pay
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 →
010203040506070809Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01BILL33%
BILL33%02Melio21%
Melio21%03Ramp12%
Ramp12%04Stampli10%
Stampli10%05Tipalti8%
Tipalti8%06AvidXchange2%
AvidXchange2%07QuickBooks Bill Pay2%
QuickBooks Bill Pay2%08Coupa Pay0%
Coupa Pay0%09Doxo0%
Doxo0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, 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.
BILL27%
17 of 64 labels negative · 10 of 14 models · 6 hard negative
“What to Avoid on a Tight Budget - BILL (Bill.com) — Starts at $29–49/user/month and can get pricey quickly” DeepSeek V4 Flash, budget prompt
Doxo56%
9 of 16 labels negative · 8 of 14 models · 7 hard negative
“The FTC warned in April 2024 about Doxo's marketing practices... "Absolute worst bill pay service I have ever used and would not recommend to anyone."” Muse Glimmer 30B, negative prompt
Cash App100%
4 of 4 labels negative · 4 of 14 models · 2 hard negative
“Capterra reviews flag account suspensions and refund difficulty” Muse Glimmer 30B, negative prompt
Coupa Pay40%
4 of 10 labels negative · 4 of 14 models · 1 hard negative
“Avoid overkill enterprise tools like Coupa or SAP unless you're at the larger end of mid-sized.” Grok 4.20, paraphrase 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
73 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. 823 links across 232 sites, every framing counted. Ranked by the number of answers carrying the site or page. 1 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 · BILL48 answers · 118 citations · 13 models
vendor site · Rillion17 answers · 25 citations · 11 models
17 answers · 20 citations · 9 models
vendor site · Slash14 answers · 14 citations · 9 models
14 answers · 14 citations · 9 models
vendor site · Tipalti13 answers · 19 citations · 7 models
12 answers · 13 citations · 9 models
11 answers · 12 citations · 9 models
vendor site · Ramp11 answers · 12 citations · 9 models
11 answers · 12 citations · 6 models
11 answers · 11 citations · 7 models
vendor site · Melio9 answers · 11 citations · 6 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.
17 answers · 11 models
14 answers · 8 models
14 answers · 9 models
14 answers · 9 models
13 answers · 10 models
12 answers · 9 models
11 answers · 8 models
11 answers · 9 models
10 answers · 6 models
9 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 bill pay platform for businesses”, “bill pay platform for businesses”, “bill pay platforms”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| BILL bill.com BILL 33%, BILL AP/AR 2% | 35% | 374 | 2,740,000 | 1,063,001 | 1,783,039 | $199,231 | 119 | 1 |
| Melio melio.com | 21% | 281 | 33,100 | 492 | 36,039 | $1,429 | 60 | 3 |
| Ramp ramp.com | 12% | 916 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | |
| Stampli stampli.com | 10% | 194 | 18,100 | 68 | 26,332 | $39 | 53 | |
| Tipalti tipalti.com | 8% | 490 | 18,100 | 381 | 213,652 | $83,363 | 120 | |
| HighRadius highradius.com | 4% | 604 | 6,600 | 118 | 294,561 | $2,272 | 120 | |
| Wave waveapps.com | 4% | 363 | 368,000 | 253,218 | 708,862 | 39 | ||
| AvidXchange avidxchange.com | 2% | 147 | 27,100 | 398 | 51,937 | $788 | 27 | 2 |
| QuickBooks parent site QuickBooks Bill Pay 2% | 2% | 65 | 1,000,000 | 54,681 | ||||
| Airbase airbase.com | 2% | 142 | 14,800 | 577 | 5,429 |
Google's top ten for the three searches hold 20 sites; 3 of them are among the sites the models cited here (bill.com, founderscpa.com, melio.com). The first result for “best bill pay platform for businesses” is efficient.app.
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 bill pay platform for businesses for a mid-market B2B company?”Paraphrase“Which vendor payments software would you recommend to a mid-sized B2B company?”Comparative“What are the top bill pay platforms and how do they differ?”Budget-constrained“What is the best bill pay platform for businesses for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a bill pay platform for businesses. What should we look at?”Negative“Which bill pay platforms should I avoid or be cautious about?”
Claude Haiku 4.5HighRadiusno first choiceChangedBILLMeliono first choiceagainst: BILL
Four alternatives
BILL, EBizCharge, Tipalti, VersapayFour alternatives
Melio, Ramp, Sage Intacct, Xero BillsTwo alternatives
QuickBooks Bill Pay, RampGPT-5.4 miniBILL AP/AR, StampliBILLChangedagainst: Coupa PayBILLMeliono first choicenothing named
One alternative
RampThree alternatives
Ramp, Stampli, TipaltiSix alternatives
AvidXchange, Brex Bill Pay, Melio, Ramp, Tipalti, Zoho Bill PayTwo alternatives
BILL, QuickBooks OnlineGemini 3.5 FlashTipaltiagainst: Melio, QuickBooks Bill PayStampliChangedagainst: BILL, Coupa Pay, QuickBooks Online, SAP AribaBILLMelioagainst: BILLAirbaseagainst: BILLagainst: Deferit, Doxo
Four alternatives
AvidXchange, BILL, Ramp, StampliFour alternatives
Airbase, AvidXchange, Ramp, TipaltiFive alternatives
Brex Bill Pay, Melio, QuickBooks Bill Pay, Ramp, TipaltiThree alternatives
Ramp, Relay, Wise BusinessSix alternatives
AvidXchange, Brex Bill Pay, MineralTree, Ramp, Stampli, TipaltiPerplexity SonarBILLBILLHeldMelioMelioagainst: BILLno first choiceagainst: Cash App, Doxo, Venmo, Zelle
Four alternatives
AvidXchange, Ramp, Stampli, TipaltiFive alternatives
Coupa Pay, Rillion, SAP Ariba, Tipalti, YoozFour alternatives
AvidXchange, BILL, Ramp, TipaltiTwo alternatives
QuickBooks Bill Pay, RampGrok 4.20BILLBILLHeldagainst: Coupa Pay, SAPDoxo, Quicken Bill Payagainst: BILLWaveBILL, Melio, Rampagainst: BILL, Centrobill, Papaya, PayMaya, PayPal Bill Pay, SBI Unipay, SimpleBills, Square, Stripe, WePay
Three alternatives
Ramp, Stampli, TipaltiThree alternatives
AvidXchange, Stampli, TipaltiTwo alternatives
Bank Bill Pay, PapayaTwo alternatives
BILL, QuickBooks Bill PayFive alternatives
AvidXchange, Centime, HighRadius, Stampli, TipaltiMistral SmallBILLBILLHeldDoxoagainst: BillGO, PaymentusQuickBooks Bill Pay, Rampno first choicenothing named
Three alternatives
HighRadius, Rippling Spend, TipaltiThree alternatives
SAP Ariba, Stampli, TipaltiThree alternatives
MoneyGram, Papaya, Quicken Bill PayTwo alternatives
BILL, WaveDeepSeek V4 FlashStampliBILLChangedagainst: Coupa Pay, Mediusno first choiceagainst: Prism, Rocket MoneyMelioagainst: Airbase, BILL, Stampli, TipaltiBILLagainst: Melio, Rippling Spend, Tipaltiagainst: BILL, Cash App, Doxo, MyCheckFree, PayPal Bill Pay, Prism Money, SilverBills, Venmo, Zelle
Four alternatives
AvidXchange, BILL, Ramp, TipaltiThree alternatives
AvidXchange, Stampli, TipaltiFour alternatives
BILL, Melio, Stampli, TipaltiThree alternatives
QuickBooks Bill Pay, Ramp, WaveTwo alternatives
AvidXchange, StampliLlama 4 MaverickBILLHighRadiusChangedno first choiceRampno first choiceagainst: Doxo
Four alternatives
HighRadius, Melio, Stampli, TipaltiTwo alternatives
BILL, TipaltiThree alternatives
BILL, Melio, Rippling SpendQwen 3.7 FlashBILLagainst: Ramp/BrexTipaltiChangedDoxoMeliono first choiceagainst: BILL, Dave, Flex, PayLaterr
Two alternatives
AvidXchange, TipaltiFour alternatives
BILL, Coupa Pay, Taulia, VasariFour alternatives
BILL, Melio, Papaya, PlastiqTwo alternatives
QuickBooks Bill Pay, RampKimi K2RampBILLChangedBILLagainst: DoxoMelioagainst: BILLno first choiceagainst: BILL, Dave, Doxo, OnePay, Plastiq, Willow Pays
Four alternatives
Airbase, BILL, Stampli, TipaltiThree alternatives
AvidXchange, Stampli, TipaltiThree alternatives
Melio, Papaya, PayPal Bill PayTwo alternatives
QuickBooks Bill Pay, RampGLM 4.7 FlashXBILLMediusChangedBILL, MelioMeliono first choiceagainst: Ally Bank Bill Pay, Doxx
Two alternatives
HighRadius, RillionFour alternatives
BILL, Coupa Pay, Stampli, TipaltiThree alternatives
Doxx, Papaya, VeemThree alternatives
QuickBooks Bill Pay, Ramp, Xero BillsMiniMax M2.5Stampli, Tipaltiagainst: BILLBILL, TipaltiChangedBILL, Brex Bill PayRamp, Waveagainst: BILLno first choiceagainst: Doxo
Two alternatives
AvidXchange, HighRadiusTwo alternatives
Medius, StampliFive alternatives
Doxo, MoneyGram, Prism Bills, Rocket Money, Western UnionOne alternative
QuickBooks Bill PayGPT-6 LunaStampliRampChangedQuickBooks Bill PayMelioagainst: BILLno first choiceagainst: Cash App, Doxo, PayPal Bill Pay, Venmo, Zelle
Four alternatives
AvidXchange, BILL, Ramp, TipaltiTwo alternatives
BILL, TipaltiThree alternatives
BILL, Melio, RampOne alternative
QuickBooks OnlineMuse Glimmer 30BBILLAvidXchange, BILLChangedBILL — previously Bill.comMelioagainst: BILL, Tipaltino first choiceagainst: BILL, Cash App, Doxo, PayLaterr, PayMaya, Skrill
Four alternatives
AvidXchange, Rillion, Stampli, TipaltiTwo alternatives
HighRadius, TipaltiThree alternatives
Doxo, Melio, SlashTwo alternatives
QuickBooks Bill Pay, RampBold 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 12:55 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:12 | yes | 2 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:24 | yes | 8 | 26 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:43 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:13 | yes | 14 | 41 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:26 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:00 | yes | 24 | 32 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:59 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:41 | yes | 9 | 21 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:39 | yes | 15 | 55 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:18 | yes | 25 | 147 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:46 | yes | 15 | 46 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:20 | yes | 5 | 18 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:03 | yes | 22 | 37 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:17 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:45 | yes | 2 | 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 12:36 | no | 0 | 16 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:30 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 10 | 28 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:39 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:53 | yes | 19 | 27 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:41 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:33 | no | 0 | 28 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:15 | yes | 20 | 26 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:46 | yes | 17 | 83 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:08 | yes | 15 | 38 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:48 | yes | 3 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:53 | yes | 14 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:57 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:46 | yes | 6 | 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 11:03 | yes | 11 | 23 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 09:19 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 8 | 35 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:07 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:40 | yes | 21 | 35 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:18 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:40 | yes | 19 | 73 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:24 | yes | 10 | 20 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:16 | yes | 11 | 38 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:28 | yes | 14 | 58 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:44 | yes | 7 | 23 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:56 | yes | 13 | 23 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:56 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:46 | yes | 2 | 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 09:05 | yes | 13 | 20 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:36 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 9 | 31 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:43 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:45 | yes | 13 | 18 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:53 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:58 | yes | 5 | 36 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:24 | yes | 10 | 17 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:56 | yes | 22 | 73 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:38 | yes | 8 | 21 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:17 | yes | 3 | 12 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:19 | yes | 10 | 18 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:09 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:22 | 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 12:45 | no | 0 | 18 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:54 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:28 | yes | 10 | 29 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:23 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:10 | yes | 23 | 37 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:12 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:46 | no | 0 | 26 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:49 | yes | 25 | 31 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:01 | yes | 18 | 114 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:35 | no | 0 | 28 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:02 | yes | 2 | 17 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:43 | no | 0 | 1 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:19 | yes | 18 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:02 | yes | 7 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:55 | no | 0 | 12 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:58 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 15 | 30 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:11 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:09 | yes | 21 | 26 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:20 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:08 | yes | 5 | 23 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:43 | yes | 25 | 26 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:40 | yes | 25 | 63 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:39 | yes | 14 | 40 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:57 | yes | 3 | 13 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:25 | yes | 15 | 22 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
BILL.com (Bill.com) read as BILL
Bill.com read as BILL
Bill.com (BILL) read as BILL
Brex read as Brex Bill Pay
Corpay (formerly AvidXchange) read as Corpay Complete
Coupa read as Coupa Pay
PayPal read as PayPal Bill Pay
QuickBooks read as QuickBooks Online
Quicken read as Quicken Bill Manager
Ramp Bill Pay read as Ramp
Rippling read as Rippling Spend
Rippling Spend's Bill Pay read as Rippling Spend
Xero read as Xero Bills
Unresolved, counted raw
Ally Bank Bill Pay
BILL — previously Bill.com
Bank of Internet USA
BillTrim
CRED
Centrobill
Chase QuickPay/Zelle
Deferit
EverBank
Fidelity Bill Pay
Finovera
Flex
Greenlight
MoneyGram or Western Union Bill Pay
OnePay
PhonePe
Plumb Bill Pay
Plumb Bill Pay or Everyday Money Management
Prism Bills
Prism Money
SBI Unipay
SimpleBills
Vasari
Walmart Bill Pay
Zoho Bill Pay
iGObanking
Discontinued, still offered
No shut-down product was recommended here.