# Merchant Lynx: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 1 judge label across 1 category by 1 of 14 models. Page: https://www.gane.ai/index/finance/vendors/merchant-lynx

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Merchants of record](https://www.gane.ai/index/finance/receivables/merchants-of-record/index.md) | 0% | 62 | 100% | 1 |

## And against it

- "1.0/5 ⭐ | High fees, deceptive sales practices, wrongful termination fees ($495), poor support" (Kimi K2, Merchants of record)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 0 | 0 | 0 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 1 | 1 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named Merchant Lynx, from 2 of the 2 answers that named it (only the models that return a source list).

### Domains cited

- ftc.gov: 2
- g2.com: 2
- paddle.com: 2
- paymentpop.com: 2
- stripe.com: 2
- trustpilot.com: 2
- allaboutadvertisinglaw.com: 1
- banterra.bank: 1
- bbb.org: 1
- bitdefender.com: 1

### Pages cited

- https://allaboutadvertisinglaw.com/2023/06/is-the-merchant-of-record-model-legal.html: 1
- https://allaboutadvertisinglaw.com/2025/06/ftc-targets-merchant-of-record-for-unlawful-payment-processing-tsr-and-rosca-violations.html: 1
- https://allaboutadvertisinglaw.com/author/etberge/page/2: 1
- https://banterra.bank/blog/post/how-small-businesses-can-protect-against-payment-fraud: 1
- https://bbb.org/us/wi/milwaukee/profile/credit-card-processing-services/merchant-one-inc-0694-1000058754/complaints: 1
- https://bitdefender.com/en-us/blog/hotforsecurity/small-business-reputation-attacks-why-they-spike-in-q1-and-how-to-stay-safe: 1
- https://business.gov.au/online-and-digital/online-reviews: 1
- https://consumeraffairs.com/business/leaders-merchant-services.html: 1

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.