Index › Finance › Treasury and cash › Cross-border payments › Small business · November 2026 Edition
Cross-border payments and FX for small business buyers
Asked as “cross-border payments platform for businesses”, and as “FX hedging and international payments tool”, on behalf of a small B2B company. 46 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
67%
Clear leader
67Wise Business11OFX07XTransfer15others
67% of first choices, clear leader.
Since October 2026▼−1Since October 2026: 68% → 67%, −1 point. Inside the 10-point floor: within noise.Wise Business held the lead, −1 point on 68%, 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.This pageMid-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.Standing →
Wise Business67%Clear leader▼−1Since October 2026: 68% → 67%, −1 point. Inside the 10-point floor: within noise.This pageMid-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.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
01Wise Business67%6%70endorsed leader▼−1Since October 2026: 68% → 67%, −1 point. Inside the 10-point floor: within noise.68% → 67%
Wise Business67%6%70endorsed leader▼−1Since October 2026: 68% → 67%, −1 point. Inside the 10-point floor: within noise.68% → 67%02
OFX11%7%28accepted challenger▼−4Since October 2026: 15% → 11%, −4 points. Inside the 10-point floor: within noise.15% → 11%
OFX11%7%28accepted challenger▼−4Since October 2026: 15% → 11%, −4 points. Inside the 10-point floor: within noise.15% → 11%03
XTransfer7%0%24accepted challenger▲+5Since October 2026: 2% → 7%, +5 points. Inside the 10-point floor: within noise.2% → 7%
XTransfer7%0%24accepted challenger▲+5Since October 2026: 2% → 7%, +5 points. Inside the 10-point floor: within noise.2% → 7%04
WorldFirst4%7%14accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise.2% → 4%
WorldFirst4%7%14accepted challenger▲+2Since October 2026: 2% → 4%, +2 points. Inside the 10-point floor: within noise.2% → 4%05Airwallex2%11%55accepted challenger▼−4Since October 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise.6% → 2%
Airwallex2%11%55accepted challenger▼−4Since October 2026: 6% → 2%, −4 points. Inside the 10-point floor: within noise.6% → 2%06
Revolut Business2%11%28accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Revolut Business2%11%28accepted 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
09
PayPal0%75%16criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
PayPal0%75%16criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Payoneer0%23%52accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Payoneer0%23%52accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%08
Stripe0%10%21accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Stripe0%10%21accepted 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 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
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
One product takes 67% of first choices here, so the chart would put eight markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. One product carries a negative rate above 25% in this category.
What they warned about
One 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, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, 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.
PayPal75%
12 of 16 labels negative · 8 of 14 models · 4 hard negative
“Platforms to Approach with Caution or Avoid for Small Businesses ... Persistent complaints about fees and holds; seen as "expensive once you add everything up."” Grok 4.20, negative prompt
Payoneer23%
12 of 52 labels negative · 8 of 14 models · 2 hard negative
“Avoid PayPal and Payoneer if you're sensitive to high fees, poor customer service, or account freezes.” GLM 4.7 FlashX, negative prompt
Airwallex11%
6 of 55 labels negative · 6 of 14 models
“Charges 0.5% FX markup on major currencies, but card processing fees can add significantly to total cost.” Llama 4 Maverick, budget prompt
Western Union100%
5 of 5 labels negative · 4 of 14 models · 3 hard negative
“Generally, you should avoid Western Union for business transactions. It's designed for personal remittances and offers very little recourse if things go wrong.” Muse Glimmer 30B, 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 14 of 14 models: citations where the model returns them, or the search results it consulted. 852 links across 193 sites, every framing counted. Ranked by the number of answers carrying the site or page. 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 · XTransfer47 answers · 142 citations · 12 models
vendor site · Airwallex34 answers · 74 citations · 13 models
30 answers · 64 citations · 10 models
vendor site · OFX23 answers · 53 citations · 13 models
vendor site · G223 answers · 27 citations · 10 models
vendor site · Payoneer23 answers · 27 citations · 12 models
vendor site · WorldFirst13 answers · 19 citations · 7 models
vendor site · PhotonPay13 answers · 13 citations · 5 models
vendor site · Convera12 answers · 13 citations · 8 models
11 answers · 13 citations · 8 models
10 answers · 10 citations · 7 models
9 answers · 13 citations · 8 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.
19 answers · 8 models
18 answers · 10 models
18 answers · 10 models
16 answers · 6 models
9 answers · 7 models
8 answers · 6 models
8 answers · 3 models
8 answers · 6 models
8 answers · 8 models
8 answers · 4 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 |
|---|---|---|---|---|---|---|---|---|
| Wise Business wise.com | 67% | 270 | 1,900 | 167 | 158,520,306 | $81 | 78 | |
| OFX ofx.com | 11% | 48 | 6,600 | 434 | 7,511,219 | $2,840 | 76 | |
| XTransfer xtransfer.com | 7% | 55 | 1,600 | 23 | 622,724 | |||
| WorldFirst worldfirst.com | 4% | 30 | 7 | |||||
| Airwallex airwallex.com | 2% | 260 | 27,100 | 416 | 420,414 | $56,832 | 45 | 5 |
| Revolut Business revolut.com | 2% | 52 | 3,600 | 179 | 45,913,008 | $873 | 62 | |
| Corpay corpay.com Corpay Cross-Border Payments 2% | 2% | 28 | 14,800 | 531 | 25,659 company | $4,482 | 12 | 5 |
| XE Business xe.com | 2% | 5 | 20 | 0 | 107,906,609 | $706 | 52 | |
| Ebury ebury.com | 2% | 12 | 720 | 57 | 987 | |||
| Payoneer payoneer.com | 0% | 120 | 49,500 | 1,071 | 42,477 | $192 | 14 | 3 |
Google's top ten for the three searches hold 15 sites; 3 of them are among the sites the models cited here (airwallex.com, payoneer.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 a small B2B company?”Paraphrase“Which FX hedging and international payments tool would you recommend to a small business that sells to other businesses?”Comparative“What are the top cross-border payment platforms for a small team and how do they differ?”Budget-constrained“What is the best cross-border payments platform for businesses for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a cross-border payments platform for businesses. What should we look at?”Negative“Which cross-border payment platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5Wise Businessno first choiceChangedWise BusinessWise Businessno first choicenothing named
Two alternatives
Airwallex, XTransferFour alternatives
Airwallex, Payoneer, Revolut Business, XTransferOne alternative
iBanFirstGPT-5.4 miniWise BusinessCorpay Cross-Border PaymentsChangedWise Businessagainst: AdyenWise Businessagainst: Airwallexno first choicenothing named
Three alternatives
Airwallex, OFX, PayoneerTwo alternatives
Airwallex, Wise BusinessFour alternatives
Airwallex, Payoneer, Revolut Business, StripeOne alternative
PayoneerGemini 3.5 FlashWise Businessagainst: PayoneerOFXChangedagainst: Wise BusinessWise BusinessWise Businessagainst: PayPal, Stripe, Traditional Bank Wires, VenmoWise Businessagainst: Convera, OFX, Payoneeragainst: MoneyGram, PayPal, Western Union
Three alternatives
Airwallex, OFX, VeemThree alternatives
Airwallex, Convera, Corpay Cross-Border PaymentsFive alternatives
Airwallex, OFX, Payoneer, Revolut Business, VeemThree alternatives
Airwallex, OFX, Revolut BusinessTwo alternatives
Airwallex, Revolut BusinessPerplexity SonarWise BusinessOFXChangedWise BusinessWise Businessagainst: BILLno first choiceagainst: Payoneer, WorldFirst
Four alternatives
Airwallex, Payoneer, Stripe, XTransferThree alternatives
Ebury, HedgeFlows, Wise BusinessSix alternatives
Airwallex, BILL International, OFX, Payoneer, Stripe, XTransferThree alternatives
Airwallex, Payoneer, XTransferGrok 4.20Wise Businessagainst: TipaltiWorldFirstChangedWise Businessagainst: Stripe Treasury, TipaltiWise Businessagainst: PayPal, Western Unionno first choiceagainst: Convera, Oceanpayment, PayPal, Payoneer, Payssion, Remitly, Skydo, Western Union
Five alternatives
Airwallex, Payoneer, Revolut Business, Stripe, XTransferThree alternatives
Corpay Cross-Border Payments, MoneyCorp, Wise BusinessFour alternatives
Airwallex, OFX, Payoneer, Revolut BusinessFour alternatives
Airwallex, Payoneer, WorldFirst, XTransferFive alternatives
Atlas, Payoneer, Revolut Business, Stripe Treasury, Wise BusinessMistral SmallWise BusinessWise Business, WorldFirstChangedWise BusinessWise Businessno first choiceagainst: Airwallex, BlockchainFX, WEEX
Four alternatives
Airwallex, Payoneer, Stripe, ThunesTwo alternatives
XE Business, XTransferFour alternatives
Airwallex, OFX, Payoneer, RemitlyThree alternatives
Airwallex, Revolut Business, XTransferThree alternatives
Payoneer, Stripe, Wise BusinessDeepSeek V4 FlashWise Businessagainst: Payoneer, Traditional bank wireOFXChangedagainst: Payoneer, Wise BusinessWise Businessagainst: PayPalWise BusinessAirwallex, Wise Businessagainst: Convera, Payoneeragainst: PayPal, Payoneer
Two alternatives
Airwallex, XTransferTwo alternatives
Airwallex, ConveraThree alternatives
Airwallex, Payoneer, Revolut BusinessThree alternatives
Airwallex, Payoneer, XTransferOne alternative
Revolut BusinessLlama 4 MaverickXTransferno first choiceChangedThunesno first choiceagainst: Airwallexno first choiceagainst: Automated Clearing House, SWIFT wire transfers
Two alternatives
Airwallex, Wise BusinessOne alternative
OFXQwen 3.7 FlashWise BusinessXE BusinessChangedWise Businessagainst: OFXWise Businessagainst: Payoneerno first choiceagainst: Bank of America, Chase, HSBC Payments & FX Solutionsagainst: PayPal, Traditional Bank Wire Transfers
Three alternatives
Airwallex, Payoneer, StripeTwo alternatives
OFX, XTransferTwo alternatives
Airwallex, PayoneerOne alternative
AirwallexFour alternatives
Airwallex, Payoneer, Revolut Business, Wise BusinessKimi K2Wise BusinessEburyChangedagainst: Revolut Business, Wise BusinessWise BusinessWise Businessagainst: Airwallexno first choiceagainst: MoneyGram, PayPal, Western Union
Three alternatives
Airwallex, Payoneer, StripeTwo alternatives
CurrencyTransfer, OFXFive alternatives
Airwallex, Payoneer, Remitly, Revolut Business, WorldFirstTwo alternatives
Payoneer, XTransferGLM 4.7 FlashXWise BusinessWise BusinessHeldWise BusinessWise Businessno first choiceagainst: PayPal, Payoneer, SWIFT
Two alternatives
Airwallex, XTransferTwo alternatives
OFX, XE Money TransferNine alternatives
Airwallex, Deel, OFX, Payoneer, Remote, Revolut Business, Stripe Connect, Whop, WorldFirstThree alternatives
Payoneer, TransferGo Business, XTransferMiniMax M2.5Wise Business, XTransferagainst: Airwallex, PayoneerWise BusinessChangedWise BusinessRevolut Business, Wise Businessno first choiceagainst: Square, Stripe, Traditional banks
Two alternatives
OFX, XTransferFour alternatives
Airwallex, OFX, Payoneer, Revolut BusinessThree alternatives
Airwallex, Payoneer, WorldFirstGPT-6 LunaWise BusinessOFXChangedWise BusinessWise Businessagainst: Revolut Businessno first choiceagainst: PayPal, Payoneer, Wise Business
Two alternatives
Airwallex, PayoneerFour alternatives
Airwallex, PayPal, Payoneer, StripeTwo alternatives
Airwallex, PayoneerMuse Glimmer 30BWise Business, XTransferOFXChangedWise BusinessWise Businessagainst: PayPal, Revolut Businessno first choiceagainst: Airwallex, MoneyGram, PayPal, Western Union
Two alternatives
Airwallex, Revolut BusinessOne alternative
MoneyCorpSix alternatives
Airwallex, OFX, Payoneer, Stripe, Stripe Connect, XTransferTwo alternatives
OFX Business Transfers, TransferGo 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 11:02 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:57 | yes | 4 | 4 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 10:08 | no | 0 | 12 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:11 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 5 | 29 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:29 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:48 | yes | 23 | 30 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:42 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:53 | yes | 5 | 25 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 13:00 | yes | 15 | 26 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:39 | yes | 22 | 117 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:39 | yes | 10 | 34 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:39 | yes | 3 | 10 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:56 | yes | 12 | 21 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:14 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:50 | yes | 4 | 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 11:56 | yes | 9 | 19 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 10:23 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:24 | yes | 5 | 26 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:55 | yes | 5 | 6 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:54 | yes | 25 | 21 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:32 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:07 | yes | 7 | 58 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:20 | yes | 20 | 80 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:42 | yes | 25 | 56 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:36 | yes | 5 | 25 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:24 | yes | 3 | 13 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:15 | yes | 21 | 30 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:29 | yes | 15 | 11 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:41 | yes | 4 | 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 09:52 | no | 0 | 11 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 11:26 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 10 | 28 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:17 | yes | 10 | 10 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:33 | yes | 24 | 32 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:12 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:31 | yes | 5 | 33 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:54 | yes | 10 | 26 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:53 | yes | 22 | 156 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:39 | yes | 10 | 38 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:26 | yes | 5 | 14 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:48 | yes | 14 | 26 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:01 | yes | 15 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:28 | yes | 3 | 4 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 10:11 | no | 0 | 16 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 09:15 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:13 | yes | 10 | 32 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:24 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:01 | yes | 24 | 31 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:17 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:47 | yes | 18 | 42 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:18 | yes | 12 | 27 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:39 | yes | 21 | 34 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:16 | yes | 5 | 19 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:33 | yes | 4 | 12 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:21 | yes | 13 | 23 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:07 | yes | 17 | 13 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:43 | 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 12:28 | no | 0 | 19 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 09:50 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:08 | yes | 5 | 36 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:21 | no | 0 | 5 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:22 | yes | 24 | 25 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:58 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:55 | no | 0 | 28 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:14 | yes | 10 | 30 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:08 | no | 0 | 28 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:00 | no | 0 | 24 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 08:43 | yes | 3 | 17 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:33 | yes | 14 | 16 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:39 | yes | 19 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:42 | yes | 3 | 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 10:09 | yes | 8 | 18 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:24 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:09 | yes | 15 | 37 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:07 | yes | 14 | 10 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:02 | yes | 25 | 31 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:37 | yes | 9 | 5 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:03 | yes | 7 | 30 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:57 | yes | 25 | 27 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:06 | yes | 25 | 28 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:23 | yes | 15 | 33 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:06 | yes | 4 | 21 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:26 | yes | 23 | 33 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
HSBC read as HSBC Payments & FX Solutions
HSBC's Payments & FX Solutions read as HSBC Payments & FX Solutions
Unresolved, counted raw
Airwalb
Automated Clearing House (ACH)
BILL International
BlockchainFX
Commerce Bank's Global Payments
Currencies Direct
CurrencyTransfer
Currenxy
Hedgr
Moneycorp's FX Solutions
OFX Business Transfers
Payssion
SWIFT wire transfers
Traditional Bank Wire Transfers
Traditional bank wire
WEEX
XE Money Transfer
Discontinued, still offered
No shut-down product was recommended here.