# Shift4: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 2 judge labels across 2 categories by 2 of 14 models. Page: https://www.gane.ai/index/finance/vendors/shift4

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Corporate cards](https://www.gane.ai/index/finance/spend/corporate-cards/index.md) | 0% | 82 | 100% | 1 |
| [Merchants of record](https://www.gane.ai/index/finance/receivables/merchants-of-record/index.md) | 0% | 70 | 100% | 1 |

## And against it

- "Complaints of "ridiculous fees" charged without authorization" (DeepSeek V4 Flash, Merchants of record)
- "Surprise fee increases and contract changes without notification" (GLM 4.7 FlashX, Corporate cards)

## 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 | 1 | 1 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 1 | 1 |
| 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 Shift4, from 4 of the 4 answers that named it (only the models that return a source list).

### Domains cited

- stripe.com: 3
- g2.com: 2
- trustpilot.com: 2
- adlittle.com: 1
- altexsoft.com: 1
- alviere.com: 1
- americanexpress.com: 1
- answers.laserfiche.com: 1
- awaited.dev: 1
- bbb.org: 1

### Pages cited

- https://adlittle.com/en/insights/viewpoints/embedded-payments-convenience-cost: 1
- https://altexsoft.com/blog/merchant-of-record-in-travel: 1
- https://alviere.com/learn/articles/considerations-for-enterprises-selecting-an-embedded-finance-partner: 1
- https://americanexpress.com/en-us/business/trends-and-insights/articles/what-to-look-for-in-a-company-card-program: 1
- https://answers.laserfiche.com/questions/163461/Forms-Payment-Gateway-Integrations: 1
- https://awaited.dev/guides/choosing-a-merchant-of-record: 1
- https://bbb.org/us/ga/atlanta/profile/credit-cards-and-plans/corpay-0443-7005062/customer-reviews: 1
- https://bbb.org/us/pa/center-valley/profile/credit-card-processing-services/shift4-0241-235983222/complaints: 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.