Business bill pay for small business buyers
Asked as “bill pay platform for businesses”, and as “vendor payments software”, on behalf of a small B2B company. 47 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
57%
Clear leader
57Melio23BILL11Ramp09others
57% of first choices, clear leader.
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.
The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
Show the one product at 0%, ordered by negative rate
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-one head-to-head pages: the top seven products, each against each
BILL vs StampliBILL vs AvidXchangeBILL vs Bank Bill PayMelio vs RampMelio vs TipaltiMelio vs StampliMelio vs AvidXchangeMelio vs Bank Bill PayRamp vs TipaltiRamp vs StampliRamp vs AvidXchangeRamp vs Bank Bill PayTipalti vs StampliTipalti vs AvidXchangeTipalti vs Bank Bill PayStampli vs AvidXchangeStampli vs Bank Bill PayAvidXchange vs Bank 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 →
01
02
03B04
05
06
07Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative70%
Key
01Melio57%
Melio57%02BILL23%
BILL23%03Ramp11%
Ramp11%04Bank Bill Pay4%
05QuickBooks Bill Pay2%
QuickBooks Bill Pay2%06Plooto2%
Plooto2%07Tipalti0%
Tipalti0%What they warned about
Seven of twelve models held their first choice under the paraphrase. Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2 and GLM 4.7 FlashX 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.
BILL30%
18 of 60 labels negative · 11 of 12 models · 9 hard negative
“Bill.com's recommendation engine has introduced fraudulent vendors, with one customer losing $5,680.22 to a vendor impersonating a state agency” Claude Haiku 4.5, negative prompt
Melio11%
6 of 57 labels negative · 6 of 12 models · 1 hard negative
“Melio | 🟠 High | Funds disappear, accounts locked, 62% complaints unresolved” DeepSeek V4 Flash, negative prompt
Tipalti43%
6 of 14 labels negative · 5 of 12 models · 1 hard negative
“Avoid enterprise-level platforms like Bill.com or Tipalti for now” Qwen 3.7 Flash, budget prompt
AvidXchange80%
4 of 5 labels negative · 4 of 12 models · 1 hard negative
“AvidXchange (Avoid / High Caution) ... Predatory vendor monetization.” Gemini 3.5 Flash, 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
66 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. 908 links across 202 sites, every framing counted. Ranked by the number of answers carrying the site or page.
40 answers · 58 citations · 9 models
31 answers · 31 citations · 11 models
vendor site · BILL28 answers · 39 citations · 10 models
vendor site · Rippling28 answers · 36 citations · 9 models
vendor site · Accounting Seed25 answers · 26 citations · 9 models
vendor site · Ramp22 answers · 36 citations · 10 models
18 answers · 19 citations · 6 models
vendor site · Worldmetrics18 answers · 19 citations · 10 models
vendor site · Melio17 answers · 26 citations · 8 models
vendor site · MakersHub15 answers · 20 citations · 7 models
13 answers · 16 citations · 9 models
13 answers · 13 citations · 9 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.
34 answers · 9 models
31 answers · 11 models
25 answers · 9 models
25 answers · 9 models
15 answers · 7 models
13 answers · 9 models
11 answers · 6 models
10 answers · 6 models
10 answers · 7 models
9 answers · 5 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 |
|---|---|---|---|---|---|---|---|---|
| Melio melio.com | 57% | 281 | 33,100 | 492 | 36,039 | $1,429 | 60 | 3 |
| BILL bill.com | 23% | 374 | 2,740,000 | 1,063,001 | 1,783,039 | $199,231 | 119 | 1 |
| Ramp ramp.com | 11% | 916 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | |
| Bank Bill Pay | 4% | 1,300 | 3,091 | |||||
| QuickBooks parent site QuickBooks Bill Pay 2% | 2% | 65 | 1,000,000 | 54,681 | ||||
| Plooto plooto.com | 2% | 45 | 1,000 | 26 | 17,578 | 0 | ||
| Zoho zoho.com Zoho Books 0% | 0% | 367 | 27,100 | 268 | 1,216,894 company | $51,031 | 119 | |
| Brex Bill Pay brex.com | 0% | 17 | 328,914 | $12,238 | 81 | |||
| Mercury mercury.com | 0% | 182 | 368,000 | 130,988 | 301,244 | $284,811 | 25 | |
| QuickBooks quickbooks.ninja QuickBooks Online 0% | 0% | 692 | 1,000,000 | 54,681 | 253 company |
Google's top ten for the three searches hold 20 sites; 6 of them are among the sites the models cited here (accountingseed.com, bill.com, founderscpa.com, melio.com, rippling.com, wise.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 small B2B company?”Paraphrase“Which vendor payments software would you recommend to a small business that sells to other businesses?”Comparative“What are the top bill pay platforms for a small team and how do they differ?”Budget-constrained“What is the best bill pay platform for businesses for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a bill pay platform for businesses. What should we look at?”Negative“Which bill pay platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5BILLBILLHeldRampBank Bill Pay, Rampagainst: BILLno first choiceagainst: BILL, Plastiq
Four alternatives
Melio, Nickel, PayPal Bill Pay, SquareThree alternatives
Melio, Nickel, StampliThree alternatives
BILL, Melio, Zoho BooksTwo alternatives
QuickBooks Bill Pay, Zoho BooksGPT-5.4 miniBILLBILLHeldBILL, MelioMeliono first choicenothing named
Three alternatives
Melio, QuickBooks Bill Pay, RampFour alternatives
Airbase, Melio, Ramp, TipaltiTwo alternatives
Airbase, RampTwo alternatives
BILL, QuickBooks Bill PayGemini 3.5 FlashMelioMelioHeldMelioMelioagainst: BILLBILL, Rampagainst: Airbase, Tipaltiagainst: AvidXchange, BILL, Bank Bill Pay, Melio, Plastiq
Four alternatives
BILL, Forwardly, MakersHub, RampThree alternatives
BILL, Ramp, StripeFive alternatives
BILL, MakersHub, QuickBooks Bill Pay, Ramp, TipaltiTwo alternatives
QuickBooks Bill Pay, RampThree alternatives
Brex Bill Pay, Melio, QuickBooks Bill PayPerplexity SonarMelioMelioHeldMelioagainst: Xero BillsMelioagainst: BILLno first choiceagainst: AvidXchange, BILL, Brex Bill Pay, QuickBooks Bill Pay, Ramp, Stampli, Tipalti
Two alternatives
BILL, RampFour alternatives
BILL, Plooto, Ramp, TipaltiThree alternatives
BILL, QuickBooks Bill Pay, RampTwo alternatives
QuickBooks Bill Pay, RampGrok 4.20MelioMelioHeldMelioMelioagainst: BILLBILL, Melio, Rampagainst: BILL, Corpay Complete, Melio, QuickBooks Bill Pay
Two alternatives
BILL, RampThree alternatives
BILL, QuickBooks Bill Pay, RampOne alternative
BILLTwo alternatives
QuickBooks Bill Pay, RampOne alternative
Rippling SpendMistral SmallMelioQuickBooks Bill PayChangedMelioMeliono first choiceagainst: BILL, Rippling Spend
Two alternatives
BILL, PlootoTwo alternatives
Melio, PlootoFour alternatives
BILL, MakersHub, QuickBooks Online, RampOne alternative
Bank Bill PayDeepSeek V4 FlashMelioMelioHeldMelio, QuickBooks Bill Payagainst: AvidXchange, TipaltiMelioagainst: BILLBILLagainst: BILL, Melio, PayPal Bill Pay
Four alternatives
BILL, QuickBooks Bill Pay, Rippling Spend, Xero BillsFour alternatives
BILL, Plooto, QuickBooks Bill Pay, RampThree alternatives
BILL, Plooto, RampFour alternatives
Bank Bill Pay, Bluevine, Mercury, RampFour alternatives
Melio, Plooto, QuickBooks Bill Pay, RampLlama 4 MaverickBILLno first choiceChangedMelioBank Bill Pay, Meliono first choiceagainst: BILL, Melio, QuickBooks Payments, Square, Stripe
Two alternatives
Payoneer, RampSix alternatives
BILL, Plooto, QuickBooks Bill Pay, Ramp, Xero Bills, Zoho BooksTwo alternatives
Accounting Seed, Rippling SpendQwen 3.7 FlashMelioBILLChangedMelioMelioagainst: BILL, TipaltiBILLagainst: Coupa Payagainst: BILL, BILL Spend & Expense, Rippling Spend
Two alternatives
BILL, Bank Bill PayFour alternatives
Plooto, Square Invoices, Stripe Invoicing, WaveTwo alternatives
BILL, RampTwo alternatives
Ramp, Zoho BooksTwo alternatives
Billwerk, Rippling SpendKimi K2MelioMelio, RampChangedMelioagainst: StampliMeliono first choiceagainst: BILL, Doxo, Melio, Plastiq
Two alternatives
BILL, RampThree alternatives
BILL, Helcim, PlootoThree alternatives
BILL, Mercury, RampTwo alternatives
Bank Bill Pay, RampGLM 4.7 FlashXBILL, Melioagainst: TipaltiPlootoChangedagainst: AvidXchange, TipaltiMelioMeliono first choiceagainst: BILL, BillGO
Two alternatives
QuickBooks Bill Pay, RampThree alternatives
BILL, Helcim, MelioTwo alternatives
BILL, RampTwo alternatives
Bank Bill Pay, QuickBooks Bill PayMiniMax M2.5MelioMelioHeldMelioMelio, Rampagainst: BILLno first choiceagainst: BILL, Melio
Two alternatives
BILL, RampTwo alternatives
QuickBooks Online, StampliFive alternatives
BILL, Brex Bill Pay, Plooto, Ramp, Rippling SpendTwo alternatives
Expensify, MercuryBold 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.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 21:00 | yes | 9 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 20:01 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 21:53 | yes | 14 | 60 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-09-17 20:45 | yes | 20 | 5 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-09-17 18:45 | yes | 34 | 17 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 18:51 | yes | 13 | 10 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 18:39 | yes | 10 | 15 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 20:55 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 20:40 | yes | 9 | 30 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 21:07 | yes | 9 | 19 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 20:28 | yes | 24 | 77 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:12 | yes | 9 | 21 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 18:55 | yes | 9 | 7 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 21:08 | yes | 4 | 6 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 18:51 | yes | 16 | 23 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-09-17 19:08 | yes | 20 | 5 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-09-17 17:56 | yes | 27 | 14 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 18:55 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 20:55 | yes | 26 | 25 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 18:19 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 19:48 | yes | 10 | 32 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 20:03 | yes | 10 | 17 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 20:25 | yes | 15 | 46 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 19:52 | yes | 5 | 35 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 19:07 | yes | 9 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 19:23 | yes | 4 | 10 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 18:57 | yes | 16 | 26 s |
| Comparative | Perplexity Sonar | sonar | 2026-09-17 19:52 | yes | 19 | 11 s |
| Comparative | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-09-17 20:44 | yes | 18 | 11 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 20:47 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 18:35 | yes | 24 | 34 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 20:37 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 18:36 | yes | 5 | 16 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 20:51 | yes | 9 | 47 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 18:16 | yes | 24 | 33 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 19:26 | yes | 8 | 20 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 19:48 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 19:30 | yes | 3 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 19:15 | yes | 19 | 23 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-09-17 18:01 | yes | 20 | 5 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-09-17 18:24 | yes | 36 | 19 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 18:53 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 20:10 | yes | 8 | 13 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 18:08 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 19:02 | yes | 10 | 38 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 18:15 | yes | 13 | 33 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 20:46 | yes | 23 | 115 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:27 | yes | 7 | 24 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 21:07 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 18:55 | no | 0 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 19:30 | yes | 10 | 24 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-09-17 20:32 | yes | 20 | 10 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-09-17 20:15 | yes | 11 | 11 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 17:58 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-09-17 19:28 | yes | 15 | 42 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:10 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 20:34 | no | 0 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 20:43 | yes | 9 | 49 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 18:14 | no | 0 | 13 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 21:02 | no | 0 | 7 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 19:58 | yes | 36 | 12 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 20:47 | yes | 4 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 18:10 | yes | 29 | 35 s |
| Negative framing | Perplexity Sonar | sonar | 2026-09-17 18:01 | yes | 20 | 7 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.1-fast-non-reasoning via vertex (asked for grok-4.20-non-reasoning; the API answered as this version) | 2026-09-17 20:18 | yes | 35 | 18 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 20:44 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-09-17 20:05 | yes | 28 | 82 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:57 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 18:23 | yes | 5 | 21 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 19:34 | yes | 25 | 34 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 18:20 | yes | 18 | 29 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 20:37 | yes | 12 | 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.
ShowHide
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 (Nvoicepay) read as Corpay Complete
Coupa read as Coupa Pay
Divvy read as BILL Spend & Expense
Divvy (by Ramp) read as BILL Spend & Expense
PayPal Business read as PayPal Bill Pay
QuickBooks read as QuickBooks Online
Ramp Bill Pay read as Ramp
Rippling read as Rippling Spend
Rippling Bill Pay read as Rippling Spend
Xero read as Xero Bills
Xero bill pay read as Xero Bills
Xero bills/payments read as Xero Bills
Unresolved, counted raw
Billwerk
Prytula
Discontinued, still offered
No shut-down product was recommended here.