# Toast: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 2 judge labels across 1 category by 1 of 14 models. Page: https://www.gane.ai/index/finance/vendors/toast

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Embedded payments platforms](https://www.gane.ai/index/finance/receivables/embedded-payments-platforms/index.md) | 0% | 100 | 50% | 2 |

## And against it

- "Great in their niche but can lead to lock-in; failures occur when businesses overestimate adoption." (Grok 4.20, Embedded payments)

## 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 | 1 | 1 | 2 |
| 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 | 0 | 0 |
| 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 Toast, from 11 of the 12 answers that named it (only the models that return a source list).

### Domains cited

- stripe.com: 7
- paymentreview.com: 5
- assets.stripeassets.com: 3
- reddit.com: 3
- simon-kucher.com: 3
- trustpilot.com: 3
- whop.com: 3
- adyen.com: 2
- bbb.org: 2
- checkoutchamp.com: 2

### Pages cited

- https://paymentreview.com/reviews: 5
- https://assets.stripeassets.com/fzn2n1nzq965/2Ffej012DJXfQmlVxjtz0E/e59eb5b37f68ef5c7dee0806d1dc761d/Embedded_Payments_Value_Framework_Guide.pdf: 3
- https://simon-kucher.com/en/insights/how-not-develop-embedded-payments-offer: 3
- https://stripe.com/resources/more/embedded-payments-for-small-businesses: 3
- https://checkoutchamp.com/media/9-best-payment-orchestration-platforms-for-ecommerce-478: 2
- https://corporate.freedompay.com/resources/blogs/the-hidden-cost-of-convenience-payment-vendor-lock-in-and-how-to-break-free: 2
- https://decentro.tech/blog/embedded-payments: 2
- https://g2.com/categories/payments-orchestration: 2

## 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.