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. 57 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
44%
Clear leader
44Melio30BILL11Ramp16others
44% of first choices, clear leader.
Since October 2026▲+2Since October 2026: 42% → 44%, +2 points. Inside the 10-point floor: within noise.Melio held the lead, +2 points on 42%, 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.This pageMid-market
BILL33%Contested▲+1Since October 2026: 32% → 33%, +1 point. Inside the 10-point floor: within noise.Standing →Enterprise
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.This pageMid-marketBILL33%Contested▲+1Since October 2026: 32% → 33%, +1 point. Inside the 10-point floor: within noise.Standing →EnterpriseHighRadius29%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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Melio44%15%65endorsed leader▲+2Since October 2026: 42% → 44%, +2 points. Inside the 10-point floor: within noise.42% → 44%
Melio44%15%65endorsed leader▲+2Since October 2026: 42% → 44%, +2 points. Inside the 10-point floor: within noise.42% → 44%02BILL30%35%69criticized challenger▲+5Since October 2026: 25% → 30%, +5 points. Inside the 10-point floor: within noise.25% → 30%
BILL30%35%69criticized challenger▲+5Since October 2026: 25% → 30%, +5 points. Inside the 10-point floor: within noise.25% → 30%03
Ramp11%4%49accepted challenger▼−11Since October 2026: 22% → 11%, −11 points. Past the 10-point floor: movement.22% → 11%
Ramp11%4%49accepted challenger▼−11Since October 2026: 22% → 11%, −11 points. Past the 10-point floor: movement.22% → 11%04
QuickBooks Bill Pay5%5%39accepted challenger▲+2Since October 2026: 3% → 5%, +2 points. Inside the 10-point floor: within noise.3% → 5%
QuickBooks Bill Pay5%5%39accepted challenger▲+2Since October 2026: 3% → 5%, +2 points. Inside the 10-point floor: within noise.3% → 5%Show the two products at 0%, ordered by negative rate
06
Tipalti0%44%16criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Tipalti0%44%16criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%05
Stampli0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Stampli0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All twenty-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 →
010203040506Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Melio44%
Melio44%02BILL30%
BILL30%03Ramp11%
Ramp11%04QuickBooks Bill Pay5%
QuickBooks Bill Pay5%05Stampli0%
Stampli0%06Tipalti0%
Tipalti0%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, Perplexity Sonar, Grok 4.20, Mistral Small, Llama 4 Maverick, Kimi K2, 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.
BILL35%
24 of 69 labels negative · 14 of 14 models · 7 hard negative
“small businesses should be cautious about or avoid the following bill pay platforms... BILL has a low Trustpilot rating (1.6–1.7/5)” Mistral Small, negative prompt
Melio15%
10 of 65 labels negative · 10 of 14 models · 3 hard negative
“arguably the platform with the most consistent negative feedback from small businesses. Proceed with extreme caution.” DeepSeek V4 Flash, negative prompt
Tipalti44%
7 of 16 labels negative · 6 of 14 models
“With pricing that starts at approximately $499/month, it's more expensive than what many small businesses can justify.” Claude Haiku 4.5, negative prompt
Plastiq100%
2 of 2 labels negative · 2 of 14 models · 2 hard negative
“Plastiq filed for Chapter 11 bankruptcy in 2023... poses settlement and custodial risk if operations stall.” Gemini 3.5 Flash, 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
78 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. 840 links across 164 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 · BILL51 answers · 112 citations · 13 models
36 answers · 51 citations · 12 models
33 answers · 33 citations · 10 models
28 answers · 38 citations · 9 models
vendor site · Bluevine27 answers · 29 citations · 11 models
vendor site · Slash24 answers · 25 citations · 11 models
19 answers · 19 citations · 10 models
vendor site · Capterra18 answers · 29 citations · 9 models
vendor site · Melio17 answers · 19 citations · 8 models
14 answers · 16 citations · 8 models
vendor site · Ramp13 answers · 15 citations · 9 models
vendor site · Rippling13 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.
33 answers · 10 models
24 answers · 11 models
19 answers · 10 models
18 answers · 10 models
17 answers · 8 models
16 answers · 8 models
15 answers · 7 models
12 answers · 7 models
12 answers · 7 models
12 answers · 8 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 Melio 44%, Melio Go 2% | 46% | 281 | 33,100 | 492 | 36,039 | $1,429 | 60 | 3 |
| BILL bill.com BILL 30%, BILL AP/AR 2% | 32% | 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 | |
| QuickBooks parent site QuickBooks Bill Pay 5%, QuickBooks Payments 0% | 5% | 92 | 1,000,000 | 54,681 | ||||
| Helcim helcim.com | 5% | 121 | 12,100 | 143 | 52,527 | 28 | ||
| Stripe stripe.com | 2% | 265 | 823,000 | 102,741 | 3,226,782 | $3,621 | 102 | 6 |
| Stampli stampli.com | 0% | 194 | 18,100 | 68 | 26,332 | $39 | 53 | |
| Plooto plooto.com | 0% | 45 | 1,000 | 26 | 17,578 | 0 | ||
| Wave waveapps.com | 0% | 363 | 368,000 | 253,218 | 708,862 | 39 | ||
| Rippling rippling.com Rippling Spend 0% | 0% | 124 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | 8 |
Google's top ten for the three searches hold 20 sites; 4 of them are among the sites the models cited here (bill.com, founderscpa.com, melio.com, rippling.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 4.5BILL, MelioBILLChangedMelioMeliono first choiceagainst: BILL, Bank Bill Pay, Brex Bill Pay, Melio, QuickBooks Online, Tipalti
One alternative
StampliTwo alternatives
Melio, StampliFour alternatives
ApprovalMax, BILL AP/AR, QuickBooks Online, RampThree alternatives
QuickBooks Online, Ramp, Xero BillsGPT-5.4 miniBILL AP/ARBILLChangedagainst: QuickBooks OnlineBILLMelio, QuickBooks Bill Payagainst: BILL, Rampno first choicenothing named
Three alternatives
Plooto, QuickBooks Bill Pay, RampOne alternative
Zoho BooksFour alternatives
Melio, Ramp, Rippling Spend, Xero Bill Payments / MelioGemini 3.5 FlashMelioBILL, MelioChangedBILL, MelioMelioagainst: BILLno first choiceagainst: Coupa Pay, Tipaltiagainst: BILL, Chase, Melio, Plastiq, Wells Fargo
Three alternatives
BILL, Ramp, Wise BusinessTwo alternatives
Ramp, StampliTwo alternatives
QuickBooks Online, RampFive alternatives
Mercury, QuickBooks Online Native Bill Pay, Ramp, Relay, Wise BusinessFive alternatives
BILL, Brex Bill Pay, Melio, Ramp, RoutablePerplexity SonarBILLStripeChangedMelioagainst: Stampli, TipaltiMelioagainst: BILLno first choiceagainst: AvidXchange, BILL, Brex Bill Pay, Melio, Ramp, Tipalti
Two alternatives
Melio, RampSix alternatives
Airwallex, BILL, Helcim, Melio, QuickBooks Payments, SquareThree alternatives
BILL, QuickBooks Bill Pay, RampOne alternative
RampGrok 4.20MelioBILLChangedBILL, Melioagainst: TipaltiMelioagainst: BILLBILL, Melioagainst: Bank of America bill pay, Chase, MineralTreeagainst: BILL, Melio, QuickBooks Bill Pay
Two alternatives
BILL, QuickBooks Bill PayFive alternatives
Helcim, QuickBooks Payments, Rillion, Stampli, Stripe BillingTwo alternatives
Brex Bill Pay, RampTwo alternatives
QuickBooks Bill Pay, WaveThree alternatives
Avid, Routable, Stripe Billing or TreasuryMistral SmallMelioHelcimChangedBILLRampagainst: BILLno first choiceagainst: BILL, Melio
Three alternatives
BILL, QuickBooks Bill Pay, VeemSix alternatives
BILL, Forwardly, Melio, QuickBooks Payments, Ramp, TipaltiFour alternatives
Melio, Modern Treasury, QuickBooks Bill Pay, WaveTwo alternatives
Melio, QuickBooks Bill PayDeepSeek V4 FlashMelioagainst: BILLMelioHeldagainst: TipaltiMelioMelioagainst: BILLBILLagainst: BILL, Melio, QuickBooks Online's native bill pay, Shopify Bill Pay
Two alternatives
QuickBooks Bill Pay, RampThree alternatives
BILL, QuickBooks Bill Pay, RampFour alternatives
BILL, Brex Bill Pay, QuickBooks Bill Pay, RampTwo alternatives
QuickBooks Bill Pay, RampFour alternatives
Melio, QuickBooks Bill Pay, Ramp, StampliLlama 4 MaverickBILLMelioChangedno first choiceMelioagainst: BILLno first choicenothing named
Six alternatives
Airwallex, BILL, Helcim, QuickBooks Bill Pay, Ramp, TipaltiTwo alternatives
QuickBooks Bill Pay, RampQwen 3.7 FlashBILLBILLHeldRampRampno first choiceagainst: BILL, Hopscotch
Three alternatives
Nickel, QuickBooks Payments, StripeTwo alternatives
Tipalti, VenduoFour alternatives
BILL, Melio, Plooto, QuickBooks Bill PayThree alternatives
Melio, QuickBooks Bill Pay, WaveKimi K2MelioBILL, Melio, RampChangedMelio, RampMelio, Rampagainst: BILLRampagainst: AvidXchange, BillGO, Coupa Pay, Melio, Plastiq
Three alternatives
BILL, QuickBooks Bill Pay, RampOne alternative
QuickBooks Bill PayThree alternatives
BILL, QuickBooks Bill Pay, VeemTwo alternatives
QuickBooks Bill Pay, Zoho InvoiceThree alternatives
BILL, Melio, QuickBooks Bill PayGLM 4.7 FlashXBILLBILLHeldagainst: Medius, Sage IntacctMelioMelio, QuickBooks Bill Payno first choiceagainst: BILL, Melio, QuickBooks Payments
Four alternatives
Melio, QuickBooks Bill Pay, Ramp, VeemSeven alternatives
Forwardly, Helcim, Melio, Nickel, Plooto, QuickBooks Payments, StripeSix alternatives
BILL, QuickBooks Bill Pay, Ramp, Rippling Spend, Tipalti, WaveThree alternatives
Ramp, Rho, WaveMiniMax M2.5BILL, MelioBILL, HelcimChangedRampagainst: TipaltiMeliono first choiceagainst: BILL, Melio
One alternative
QuickBooks Bill PayThree alternatives
Forwardly, QuickBooks Payments, StampliFive alternatives
BILL, Melio, QuickBooks Bill Pay, Rippling Spend, SlashTwo alternatives
QuickBooks Bill Pay, RampGPT-6 LunaQuickBooks Bill Payagainst: BILLMelioChangedQuickBooks Bill Payagainst: BILLMelio Goagainst: BILLno first choiceagainst: BILL, Doxo, Melio, QuickBooks Bill Pay
Two alternatives
Melio, RampTwo alternatives
BILL, QuickBooks Bill PayTwo alternatives
Melio, RampTwo alternatives
Melio Core, QuickBooks OnlineFour alternatives
BILL, Melio, QuickBooks Online, RampMuse Glimmer 30BMelioBILL, HelcimChangedBILL, MelioMelio, Rampagainst: BILLno first choiceagainst: BILL, Worldpay
Two alternatives
BILL, formerly Bill.com, QuickBooks Bill PayFour alternatives
Melio, QuickBooks Payments, Ramp, StripeThree alternatives
QuickBooks Bill Pay, Ramp, VeemOne alternative
QuickBooks Bill PayBold 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 12:54 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:02 | yes | 3 | 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 10:57 | yes | 13 | 19 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:03 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 10 | 29 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:51 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:56 | yes | 20 | 15 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:07 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:56 | yes | 5 | 20 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:46 | yes | 10 | 20 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:07 | yes | 13 | 95 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:02 | yes | 9 | 53 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:27 | yes | 4 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:43 | yes | 13 | 18 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:53 | yes | 9 | 7 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:15 | 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 10:02 | no | 0 | 14 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:40 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 5 | 26 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 13:00 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:53 | yes | 14 | 30 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:51 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:13 | no | 0 | 27 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:26 | yes | 10 | 16 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:12 | yes | 15 | 85 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:43 | yes | 5 | 12 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:34 | yes | 4 | 11 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:17 | yes | 24 | 31 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:01 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:25 | 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 11:31 | yes | 12 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 11:40 | yes | 10 | 4 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 10 | 32 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:39 | yes | 5 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:53 | yes | 24 | 27 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:11 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:06 | yes | 10 | 22 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:44 | yes | 10 | 35 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:48 | yes | 18 | 127 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:23 | yes | 13 | 36 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:14 | yes | 5 | 16 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:00 | yes | 13 | 26 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:30 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:36 | yes | 4 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:40 | yes | 8 | 16 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 12:20 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:10 | yes | 18 | 36 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:45 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:10 | yes | 8 | 25 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:29 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:36 | yes | 5 | 32 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:41 | yes | 14 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:38 | yes | 24 | 171 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:57 | yes | 5 | 18 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:09 | yes | 3 | 10 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:21 | yes | 13 | 19 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:18 | no | 0 | 8 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:15 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 08:45 | no | 0 | 12 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:55 | yes | 10 | 6 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:32 | yes | 5 | 41 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:10 | no | 0 | 5 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:48 | yes | 19 | 26 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:02 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:01 | yes | 10 | 37 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:52 | yes | 8 | 66 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:50 | yes | 20 | 106 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:20 | yes | 5 | 67 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:18 | yes | 3 | 17 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:58 | yes | 14 | 19 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:17 | yes | 19 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:33 | yes | 4 | 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 10:56 | yes | 13 | 17 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:55 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 15 | 31 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:43 | yes | 19 | 11 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:01 | yes | 23 | 27 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:04 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:18 | yes | 15 | 30 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:03 | yes | 25 | 41 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:31 | yes | 22 | 36 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:21 | yes | 25 | 65 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:23 | yes | 4 | 16 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:06 | yes | 22 | 26 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 read as BILL
Bill.com (now part of BDC) read as BILL
Brex read as Brex Bill Pay
Coupa read as Coupa Pay
PayPal Business Payments (Braintree) read as PayPal Bill Pay
PayPal Enterprise Payments (Braintree) read as PayPal Bill Pay
Ramp Bill Pay read as Ramp
Rippling Bill Pay read as Rippling Spend
Xero read as Xero Bills
Xero (with integrated Bills) read as Xero Bills
Unresolved, counted raw
Bank of America bill pay
CPACharge
CashFlowIQ (Regions Bank)
Expensify Bill Pay
Hopscotch
QuickBooks Online Native Bill Pay
QuickBooks Online's native bill pay
Shopify Bill Pay (powered by Melio)
Stripe Billing or Treasury
Venduo
Xero Bill Payments / Melio
Your bank's built-in bill pay
Your own bank's built-in bill pay
Discontinued, still offered
No shut-down product was recommended here.