Cross-border payments and FX for enterprise buyers
Asked as “cross-border payments platform for businesses”, and as “FX hedging and international payments tool”, on behalf of an enterprise B2B company. 49 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
27%
Contested · Kyriba 14%
27Airwallex14Kyriba12Thunes47others
27% of first choices, contested.
Since October 2026▲+5Since October 2026: 22% → 27%, +5 points. Inside the 10-point floor: within noise.Airwallex held the lead, +5 points on 22%, 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
Wise Business67%Clear leader▼−1Since October 2026: 68% → 67%, −1 point. Inside the 10-point floor: within noise.Standing →Mid-marketWise Business40%Contested▲+1Since October 2026: 39% → 40%, +1 point. Inside the 10-point floor: within noise.Standing →Enterprise
Airwallex27%Contested▲+5Since October 2026: 22% → 27%, +5 points. Inside the 10-point floor: within noise.This page
Wise Business67%Clear leader▼−1Since October 2026: 68% → 67%, −1 point. Inside the 10-point floor: within noise.Standing →Mid-marketWise Business40%Contested▲+1Since October 2026: 39% → 40%, +1 point. Inside the 10-point floor: within noise.Standing →EnterpriseAirwallex27%Contested▲+5Since October 2026: 22% → 27%, +5 points. Inside the 10-point floor: within noise.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Airwallex27%4%46accepted challenger▲+5Since October 2026: 22% → 27%, +5 points. Inside the 10-point floor: within noise.22% → 27%
Airwallex27%4%46accepted challenger▲+5Since October 2026: 22% → 27%, +5 points. Inside the 10-point floor: within noise.22% → 27%02
Kyriba14%0%12accepted challenger▼−6Since October 2026: 20% → 14%, −6 points. Inside the 10-point floor: within noise.20% → 14%
Kyriba14%0%12accepted challenger▼−6Since October 2026: 20% → 14%, −6 points. Inside the 10-point floor: within noise.20% → 14%03
Thunes12%0%20accepted challenger▲+8Since October 2026: 4% → 12%, +8 points. Inside the 10-point floor: within noise.4% → 12%
Thunes12%0%20accepted challenger▲+8Since October 2026: 4% → 12%, +8 points. Inside the 10-point floor: within noise.4% → 12%04Wise Business10%28%39criticized challenger▼−1Since October 2026: 11% → 10%, −1 point. Inside the 10-point floor: within noise.11% → 10%
Wise Business10%28%39criticized challenger▼−1Since October 2026: 11% → 10%, −1 point. Inside the 10-point floor: within noise.11% → 10%05
Convera8%0%22accepted challenger▲+2Since October 2026: 6% → 8%, +2 points. Inside the 10-point floor: within noise.6% → 8%
Convera8%0%22accepted challenger▲+2Since October 2026: 6% → 8%, +2 points. Inside the 10-point floor: within noise.6% → 8%06
Corpay Cross-Border Payments8%0%17accepted challenger▲+6Since October 2026: 2% → 8%, +6 points. Inside the 10-point floor: within noise.2% → 8%
Corpay Cross-Border Payments8%0%17accepted challenger▲+6Since October 2026: 2% → 8%, +6 points. Inside the 10-point floor: within noise.2% → 8%07
Adyen4%11%19accepted challenger▼−5Since October 2026: 9% → 4%, −5 points. Inside the 10-point floor: within noise.9% → 4%
Adyen4%11%19accepted challenger▼−5Since October 2026: 9% → 4%, −5 points. Inside the 10-point floor: within noise.9% → 4%08
Tipalti4%0%10accepted challenger▼−3Since October 2026: 7% → 4%, −3 points. Inside the 10-point floor: within noise.7% → 4%
Tipalti4%0%10accepted challenger▼−3Since October 2026: 7% → 4%, −3 points. Inside the 10-point floor: within noise.7% → 4%09
Stripe2%5%19accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Stripe2%5%19accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%Show the three products at 0%, ordered by negative rate
12
PayPal0%60%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
PayPal0%60%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
Payoneer0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Payoneer0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%10
Nium0%4%23accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%
Nium0%4%23accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 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 headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not enterprise.
All twenty-one head-to-head pages: the top seven products, each against each
Wise Business vs ThunesWise Business vs WorldFirstWise Business vs ConveraAirwallex vs Corpay Cross-Border PaymentsAirwallex vs XTransferAirwallex vs ThunesAirwallex vs WorldFirstAirwallex vs ConveraCorpay Cross-Border Payments vs XTransferCorpay Cross-Border Payments vs ThunesCorpay Cross-Border Payments vs WorldFirstCorpay Cross-Border Payments vs ConveraXTransfer vs ThunesXTransfer vs WorldFirstXTransfer vs ConveraThunes vs WorldFirstThunes vs ConveraWorldFirst vs Convera
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 →
010203040506070809101112Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Airwallex27%
Airwallex27%02Kyriba14%
Kyriba14%03Thunes12%
Thunes12%04Wise Business10%
Wise Business10%05Convera8%
Convera8%06Corpay Cross-Border Payments8%
Corpay Cross-Border Payments8%07Adyen4%
Adyen4%08Tipalti4%
Tipalti4%09Stripe2%
Stripe2%10Nium0%
Nium0%11Payoneer0%
Payoneer0%12PayPal0%
PayPal0%What they warned about
One of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, 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 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.
Wise Business28%
11 of 39 labels negative · 7 of 14 models · 1 hard negative
“Avoid consumer-oriented fintechs like Wise or Revolut Business—they're better for SMEs.” Grok 4.20, paraphrase prompt
PayPal60%
6 of 10 labels negative · 4 of 14 models · 1 hard negative
“often inadequate for enterprises... make it risky for large-scale use” Grok 4.20, negative prompt
Western Union75%
3 of 4 labels negative · 3 of 14 models · 1 hard negative
“similar remittance-focused services (e.g., Western Union, MoneyGram for business use): Avoid for enterprises” Grok 4.20, negative prompt
MoneyGram100%
2 of 2 labels negative · 2 of 14 models · 1 hard negative
“similar remittance-focused services (e.g., Western Union, MoneyGram for business use): Avoid for enterprises” Grok 4.20, 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
74 of 84 answers in this category came back with a source list, from 13 of 14 models: citations where the model returns them, or the search results it consulted. 957 links across 287 sites, every framing counted. Ranked by the number of answers carrying the site or page. The other 1 model searched through a gateway that returned no source list on this edition. 5 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 · XTransfer37 answers · 84 citations · 11 models
vendor site · Stripe25 answers · 38 citations · 11 models
vendor site · Airwallex24 answers · 58 citations · 11 models
vendor site · Routefusion20 answers · 21 citations · 9 models
vendor site · HighRadius18 answers · 21 citations · 11 models
vendor site · Guideflow14 answers · 14 citations · 8 models
vendor site · WorldFirst13 answers · 19 citations · 9 models
13 answers · 18 citations · 8 models
11 answers · 22 citations · 7 models
vendor site · Convera11 answers · 21 citations · 8 models
vendor site · BVNK11 answers · 12 citations · 9 models
vendor site · ConnectPay11 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.
15 answers · 8 models
13 answers · 8 models
12 answers · 7 models
12 answers · 8 models
11 answers · 6 models
10 answers · 6 models
10 answers · 8 models
9 answers · 8 models
9 answers · 3 models
9 answers · 6 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 cross-border payments platform for businesses”, “cross-border payment platforms”, “cross-border payments platform for businesses”. 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 |
|---|---|---|---|---|---|---|---|---|
| Airwallex airwallex.com | 27% | 260 | 27,100 | 416 | 420,414 | $56,832 | 45 | 5 |
| Kyriba kyriba.com | 14% | 248 | 4,400 | 155 | 38,514 | 45 | ||
| Thunes thunes.com | 12% | 38 | 22,200 | 350 | 14,014 | 2 | ||
| Wise Business wise.com | 10% | 270 | 1,900 | 167 | 158,520,306 | $81 | 78 | |
| Convera convera.com | 8% | 30 | 3,600 | 76 | 10,160 | |||
| Corpay corpay.com Corpay Cross-Border Payments 8% | 8% | 28 | 14,800 | 531 | 25,659 company | $4,482 | 12 | 5 |
| Adyen adyen.com | 4% | 159 | 22,200 | 890 | 126,446 | $7,702 | 84 | |
| Tipalti tipalti.com | 4% | 490 | 18,100 | 381 | 213,652 | $83,363 | 120 | 4 |
| XTransfer xtransfer.com | 4% | 55 | 1,600 | 23 | 622,724 | |||
| Stripe stripe.com | 2% | 265 | 823,000 | 102,741 | 3,226,782 | $3,621 | 102 | 2 |
Google's top ten for the three searches hold 15 sites; 5 of them are among the sites the models cited here (airwallex.com, connectpay.com, highradius.com, stripe.com, worldfirst.com). The first result for “best cross-border payments platform for businesses” is connectpay.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
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 cross-border payments platform for businesses for an enterprise B2B company?”Paraphrase“Which FX hedging and international payments tool would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade cross-border payment platforms and how do they differ?”Budget-constrained“What is the best cross-border payments platform for businesses for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a cross-border payments platform for businesses. What should we look at?”Negative“Which cross-border payment platforms should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5ThunesConvera, Corpay Cross-Border PaymentsChangedno first choiceAdyenno first choiceagainst: Wise Business
Four alternatives
Airwallex, Convera, HighRadius, TipaltiOne alternative
iBanFirstTwo alternatives
Airwallex, TipaltiGPT-5.4 miniWise BusinessGTreasuryChangedAirwallexAirwallex, Tipaltino first choicenothing named
Three alternatives
Airwallex, PayPal, StripeTwo alternatives
Corpay Cross-Border Payments, KyribaFive alternatives
Adyen, SWIFT, Stripe, Wise Business, WorldpayTwo alternatives
Convera, Corpay Cross-Border PaymentsGemini 3.5 FlashCorpay Cross-Border PaymentsCorpay Cross-Border PaymentsHeldagainst: Revolut Business, Wise BusinessAdyen, StripeAirwallexno first choiceagainst: PayPal, Revolut Business, Wise Business
Six alternatives
Adyen, Airwallex, Convera, Flywire, Nium, StripeThree alternatives
Convera, Kantox, KyribaSix alternatives
Airwallex, Convera, Flywire, Nium, Thunes, dLocalFour alternatives
Convera, Corpay Cross-Border Payments, Nium, Wise BusinessPerplexity SonarAirwallexagainst: Wise BusinessConveraChangedAdyenAirwallexno first choicenothing named
Four alternatives
Adyen, Stripe, Tipalti, XTransferTwo alternatives
Kyriba, iBanFirstNine alternatives
Airwallex, Checkout.com, Convera, Currencycloud, Nium, Payoneer, Stripe, Thunes, Wise BusinessFive alternatives
Adyen, Nium, Tipalti, Wise Business, WorldpayGrok 4.20ThunesKantoxChangedagainst: Bound, Pangea Prime, Revolut Business, Wise BusinessSWIFTagainst: PayPalAirwallexagainst: Stripe, Wise Businessno first choiceagainst: BVNK, Bridge, MoneyGram, PayPal, Remitly, Ripple, Western Union, Wise Business, WorldRemit
Three alternatives
Airwallex, Stripe Treasury or Cross-Border, Wise BusinessFour alternatives
Citi, Convera, HSBC Payments & FX Solutions, J.P. Morgan PaymentsSix alternatives
Airwallex, Ripple, Stripe Treasury, Thunes, Visa B2B Connect, Wise (formerly TransferWise) – Wise PlatformTwo alternatives
Corpay Cross-Border Payments, NiumMistral SmallXTransferagainst: Wise BusinessKyribaChangedno first choiceAirwallex, Wise Businessno first choiceagainst: A7, Chipper Cash, Mudrex, Saber.money, Sendwave, Wise Business
Three alternatives
Airwallex, HighRadius, ThunesThree alternatives
Corpay Cross-Border Payments, HSBC Advanced Hedging Solutions, XTransferDeepSeek V4 FlashAirwallex, Convera, ThunesKyribaChangedno first choiceWise Businessagainst: Niumno first choiceagainst: Payoneer
Two alternatives
HighRadius, NiumFive alternatives
Bank of America CashPro, Convera, HSBC Evolve/Autohedge, Kantox, Ripple TreasuryEight alternatives
Airwallex, Convera, Corpay Cross-Border Payments, Nium, Rapyd, Thunes, Wise Business, dLocalTwo alternatives
Airwallex, ThunesLlama 4 MaverickXTransferno first choiceChangedno first choiceWise Businessno first choiceagainst: Adyen, Airwallex, Traditional banks
Three alternatives
Airwallex, Thunes, Wise BusinessFour alternatives
Adyen, Airwallex, Currencycloud, StripeQwen 3.7 FlashThunesAirwallexChangedagainst: Citi, HSBC Payments & FX Solutions, JPMorgan ChaseStripe Connectagainst: Braintree, PayPalAirwallexagainst: Chase, HSBC Payments & FX Solutionsno first choiceagainst: Cash App, PayPal Personal, Venmo, Wirecard
Three alternatives
Airwallex, HighRadius, Wise BusinessFour alternatives
Captrader, Currencycloud, Western Union, Wise BusinessFour alternatives
Airwallex, Nium, Rapyd, Wise BusinessTwo alternatives
Corpay Cross-Border Payments, NiumKimi K2Thunesagainst: Wise BusinessKyribaChangedAirwallex, Wise BusinessAirwallex, Corpay Cross-Border PaymentsWise Businessagainst: Chimoney
Three alternatives
HighRadius, Nium, SAP PayThree alternatives
Convera, Kantox, SAP Treasury and Risk ManagementFive alternatives
Nium, PayPal, PayPal Commerce Platform, Rapyd, RippleOne alternative
NiumFive alternatives
Airwallex, Corpay Cross-Border Payments, Payhawk, Spendesk, Stripe TreasuryGLM 4.7 FlashXThunesKyribaChangedThunesagainst: PayPalAirwallexno first choiceagainst: MoneyGram, PayPal, Payoneer, Western Union
Four alternatives
Adyen, Airwallex, HighRadius, StripeFour alternatives
Convera, Kantox, Ripple Treasury, SAP Treasury and Risk ManagementEleven alternatives
Adyen, Airwallex, Checkout.com, Nium, Payoneer, Rapyd, Stripe, TransferMate, Wise Business, WorldFirst, XTransferThree alternatives
Nium, Stripe, ThunesMiniMax M2.5Adyen, Visa B2B ConnectKyribaChangedAirwallexStripeagainst: Traditional banksno first choicenothing named
Four alternatives
Airwallex, Stripe, Thunes, Wise BusinessThree alternatives
Kantox, Ripple Treasury, SAPFive alternatives
Adyen, Corpay Cross-Border Payments, OFX, PayPal, Wise BusinessThree alternatives
Merge, Thunes, XTransferGPT-6 LunaConveraKyribaChangedno first choiceagainst: AdyenTipaltino first choiceagainst: Airwallex, Bazar Money Transfer Limited, Western Union, Wise Business, WorldRemit
Three alternatives
Airwallex, J.P. Morgan Payments, TipaltiTwo alternatives
Convera, Corpay Cross-Border PaymentsTwo alternatives
Nium, Wise BusinessMuse Glimmer 30BAirwallexKyribaChangedAirwallexAirwallexno first choicenothing named
Three alternatives
Convera, Wise Business, XTransferFour alternatives
Convera, HSBC Payments & FX Solutions, Kantox, Ripple TreasurySeven alternatives
Adyen, PayPal Enterprise Payouts / Hyperwallet, Payoneer, Stripe, Wise Business, WorldFirst, XTransferFour alternatives
Adyen, Nium, Payouts.com, Wise BusinessBold 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 11:50 | yes | 10 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:51 | yes | 6 | 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 12:04 | no | 0 | 15 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 11:20 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:31 | yes | 5 | 31 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:50 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:05 | yes | 24 | 23 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:41 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:32 | yes | 10 | 41 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:52 | yes | 15 | 29 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:55 | yes | 25 | 81 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:38 | yes | 9 | 45 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:44 | yes | 3 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:50 | yes | 21 | 31 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:17 | yes | 19 | 10 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:56 | 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 10:18 | no | 0 | 14 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:59 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:23 | yes | 5 | 27 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:36 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:18 | yes | 24 | 34 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:37 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:42 | no | 0 | 35 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:58 | yes | 19 | 35 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:17 | yes | 19 | 30 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:07 | yes | 5 | 36 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:33 | yes | 2 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:59 | yes | 12 | 15 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:30 | yes | 9 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:07 | yes | 8 | 8 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 11:55 | no | 0 | 19 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 08:41 | yes | 10 | 9 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:15 | yes | 15 | 39 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:14 | yes | 5 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:23 | yes | 24 | 32 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:40 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:54 | yes | 10 | 41 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:36 | yes | 18 | 30 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:08 | yes | 24 | 95 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:23 | yes | 14 | 62 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:26 | yes | 7 | 21 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:11 | yes | 15 | 29 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:00 | yes | 17 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:13 | 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 10:46 | no | 0 | 13 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:20 | yes | 10 | 4 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:05 | yes | 19 | 37 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:03 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:39 | yes | 25 | 46 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:11 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:11 | yes | 13 | 81 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:39 | yes | 22 | 30 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:46 | yes | 23 | 161 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:48 | yes | 12 | 107 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:54 | yes | 2 | 14 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:50 | yes | 13 | 21 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:11 | yes | 18 | 12 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:39 | yes | 2 | 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 11:29 | no | 0 | 17 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 09:57 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 15 | 30 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:27 | no | 0 | 27 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:31 | yes | 25 | 38 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:04 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:45 | no | 0 | 30 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:26 | yes | 20 | 31 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:47 | yes | 25 | 43 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:40 | no | 0 | 22 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:39 | yes | 4 | 20 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:55 | yes | 15 | 31 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:41 | yes | 26 | 12 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:35 | yes | 9 | 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 12:23 | no | 0 | 21 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:31 | yes | 10 | 6 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:09 | yes | 15 | 30 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:51 | yes | 15 | 10 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:13 | yes | 25 | 27 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:50 | yes | 7 | 5 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:17 | yes | 10 | 55 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:20 | yes | 25 | 35 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:11 | yes | 25 | 60 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:37 | yes | 10 | 69 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:14 | yes | 6 | 20 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:58 | yes | 25 | 32 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
Corpay read as Corpay Cross-Border Payments
Corpay (Cross-Border) read as Corpay Cross-Border Payments
Corpay (formerly Cambridge) read as Corpay Cross-Border Payments
Corpay Cross-Border read as Corpay Cross-Border Payments
HSBC read as HSBC Payments & FX Solutions
HSBC's FX solutions read as HSBC Payments & FX Solutions
HSBC's Payments & FX Solutions read as HSBC Payments & FX Solutions
JP Morgan read as J.P. Morgan Payments
JPMorgan read as J.P. Morgan Payments
Pangea read as Pangea Prime
Unresolved, counted raw
A7 (Russia)
Bazar Money Transfer Limited
CGI
Captrader
Chimoney
Citi Direct
Commerce Bank's Corporate FX Hedging
Currency Cloud
HSBC Advanced Hedging Solutions
HSBC Evolve/Autohedge
HSBC Net
HSBC's Advanced Hedging Solutions
J.P. Morgan Access
Mastercard Send
MillTechFX
Partior
PayPal Enterprise Payouts / Hyperwallet
PayPal Personal
Payfuture
PingPong Global Solutions
SAP Pay (powered by Tereina)
Stripe Treasury or Cross-Border
Volante Technologies
Wells Fargo Commercial's Foreign Exchange for Corporates
Wise (formerly TransferWise) – Wise Platform
Discontinued, still offered
No shut-down product was recommended here.