BILL vs Melio
Seven of fourteen models named BILL first on the direct prompt; zero named Melio. BILL was named by fourteen of the fourteen models and Melio by thirteen and BILL carries 64 labels and Melio 31, so the shares are not directly comparable.
Named in thirteen categories this edition.
Named in nine categories this edition.
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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the business bill pay page.
By framing
BILLFirst choices, of fourteen modelsMelio
Across every category in the November 2026 Edition, BILL and Melio were named in the same answer 118 times, of the 424 answers naming BILL and the 308 naming Melio. In those answers Melio took the first choice thirty times and BILL twenty-two.
Every model, every framing
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | | | | ||
| GPT-5.4 mini | | | | |||
| Gemini 3.5 Flash | | | | | | |
| Perplexity Sonar | | | | | ||
| Grok 4.20 | | | | | | |
| Mistral Small | | | | |||
| DeepSeek V4 Flash | | | | | | |
| Llama 4 Maverick | | | | |||
| Qwen 3.7 Flash | | | | | | |
| Kimi K2 | | | | | | |
| GLM 4.7 FlashX | | | | | | |
| MiniMax M2.5 | | | | | ||
| GPT-6 Luna | | | | | ||
| Muse Glimmer 30B | | | | | |
BILL Melio first choice named as an alternative argued againstblank: not namedEach cell is one answer, BILL on the left and Melio on the right.The direct prompt
BILL first, Melio an alternative
7 of 14 modelsMelio was named in the answer but not as the choice, or not at all.Neither was the first choice, one was named
5 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
2 of 14 modelsThe answer made no first choice from these two in this category.Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
BILL33%#1 of 9Melio21%#2 of 9What the models said about BILL
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“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 · hard negative
“most reviewers were let down by their experience overall... severely delayed transactions, unexpected fees” Muse Glimmer 30B · negative prompt · hard negative
“I wouldn't start with BILL on a limited budget: its entry-level plan is $49 per user per month” GPT-6 Luna · budget prompt · hard negative
“For most mid-sized B2B companies, BILL is the top recommendation due to its balance of features, ease of use, and scalability.” Mistral Small · paraphrase prompt · first choice
“BILL is the best all-round B2B payment platform for growing companies that need real accounts payable and receivable automation” Claude Haiku 4.5 · comparative prompt · first choice
What the models said about Melio
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Two of two in this category shown.
“Likely too lightweight for 500 people” DeepSeek V4 Flash · scale prompt · hard negative
“Start with Melio. Since it has a genuinely free plan, you can try it immediately with zero financial risk.” GLM 4.7 FlashX · budget prompt · first choice
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.