Cross-border payments and FX · November 2026 Edition
Wise Business vs Thunes
Three of fourteen models named Wise Business first on the direct prompt; one named Thunes. Wise Business was named by fourteen of the fourteen models and Thunes by nine and Wise Business carries 62 labels and Thunes 14, so the shares are not directly comparable.
Named in six categories this edition.
Named in three categories this edition.
First-choice share40%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate10%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#5A position in a field of 15; printed, not drawn.
Labels6214A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Wise Business reading right to left. Rank and label count are printed, not drawn.Airwallex was named alongside these two in thirteen of the fourteen direct answers. Wise Business vs Airwallex · Wise Business vs Corpay Cross-Border Payments · Wise Business vs XTransfer
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 Cross-border payments and FX page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
Wise BusinessFirst choices, of fourteen modelsThunes
Direct311 against Wise Business
Paraphrase103 against Wise Business
Comparative80
Budget-constrained140
Scale-constrained10
Negative502 against Wise Business
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Wise Business and Thunes stood in it.
| 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 | | | |
Wise Business Thunes first choice named as an alternative argued againstblank: not namedEach cell is one answer, Wise Business on the left and Thunes on the right.The direct prompt
The plain question, one answer per model, grouped by where Wise Business and Thunes stood in it.
Both were the first choice
1 of 14 modelsThe answer named them together, and the judge labeled each a first choice.Muse Glimmer 30BThunes, Wise Business alternatives: Airwallex, XTransfer
Wise Business first, Thunes an alternative
2 of 14 modelsThunes was named in the answer but not as the choice, or not at all.Claude Haiku 4.5Wise Business alternatives: Airwallex, Thunes, Tipalti
Kimi K2Wise Business alternatives: Airwallex, Tipalti, XTransfer
Neither was the first choice, one was named
10 of 14 modelsThe answer put something else first and named one of the two as an alternative.GPT-5.4 miniAirwallex alternatives: Wise Business
Perplexity SonarAirwallex alternatives: Wise Business, XTransfer
Grok 4.20Airwallex alternatives: Thunes, Wise Business, WorldFirst
Mistral SmallXTransfer alternatives: Corpay Cross-Border Payments, Ebury, Payoneer, Thunes, Wise Business
DeepSeek V4 FlashAirwallex alternatives: Convera, Corpay Cross-Border Payments, Thunes, Wise Business
Llama 4 MaverickXTransfer alternatives: Airwallex, Payoneer, Wise Business, WorldFirst
Qwen 3.7 FlashCorpay Cross-Border Payments, Ebury alternatives: Airwallex, Thunes, XTransfer
GLM 4.7 FlashXXTransfer alternatives: Airwallex, Wise Business
MiniMax M2.5Airwallex, Corpay Cross-Border Payments alternatives: Ebury, Wise Business, XTransfer
GPT-6 LunaAirwallex alternatives: Corpay Cross-Border Payments, Tipalti, Wise Business
Neither was named
1 of 14 modelsThe answer made no first choice from these two in this category.Gemini 3.5 FlashAirwallex alternatives: Corpay Cross-Border Payments, Ebury, HighRadius, Tipalti
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
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Wise Business leads by sixty-seven points.
Wise Business67%#1 of 9Thunes0%#– of 9Mid-marketThe figures above
Wise Business leads by thirty-eight points.
Wise Business40%#1 of 15Thunes2%#5 of 15Enterprise
The order flips: Thunes leads at enterprise.
Thunes12%#3 of 12Wise Business10%#4 of 12What the models said about Wise Business
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“not recommended as a primary FX hedging tool for mid-sized B2B firms because it lacks forward contracts and structured risk-management capabilities” Gemini 3.5 Flash · paraphrase prompt · hard negative
“Use well-established platforms like Wise, PayPal, Western Union, or Alipay, which are generally more transparent about fees and exchange rates.” Mistral Small · negative prompt · first choice
“Wise Business — best-in-class FX transparency (mid-market rate + transparent fee), multi-currency accounts, strong for SME/mid-market.” DeepSeek V4 Flash · scale prompt · first choice
“Most mid-market companies are finding Wise Business to be the sweet spot of functionality, transparency, and ease of implementation” Kimi K2 · direct prompt · first choice
What the models said about Thunes
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.
“Thunes is repeatedly called out as the best overall choice for B2B payouts at scale” Muse Glimmer 30B · direct prompt · first choice
“Backend payments infrastructure providers (B2B network APIs) ... Unrivaled coverage in developing markets” Gemini 3.5 Flash · comparative prompt · alternative
“Running a platform that needs to pay users globally at scale? → Thunes, Payouts.com, or Airwallex” DeepSeek V4 Flash · comparative prompt · alternative
Also compared
Wise Business vs AirwallexWise Business vs Corpay Cross-Border PaymentsWise Business vs XTransferWise Business vs WorldFirstWise Business vs ConveraAirwallex vs ThunesCorpay Cross-Border Payments vs ThunesXTransfer vs ThunesThunes vs WorldFirstThunes vs ConveraAll twenty-one head-to-head pages and the full cross-border payments standing
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.