Earned wage access
Asked as “earned wage access provider”, and as “on-demand pay benefit”, on behalf of a mid-market B2B company. 52 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
37%
Contested · DailyPay 31%
37Tapcheck31DailyPay13ZayZoon19others
37% of first choices, contested.
Since October 2026▼−1Since October 2026: 38% → 37%, −1 point. Inside the 13-point floor: within noise.Tapcheck held the lead, −1 point on 38%, inside the 13-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
ZayZoon30%Contested▼−20Since October 2026: 50% → 30%, −20 points. Past the 13-point floor: movement.Standing →Mid-market
Tapcheck37%Contested▼−1Since October 2026: 38% → 37%, −1 point. Inside the 13-point floor: within noise.This pageEnterprise
DailyPay81%Consensus▲+14Since October 2026: 67% → 81%, +14 points. Past the 13-point floor: movement.Standing →
ZayZoon30%Contested▼−20Since October 2026: 50% → 30%, −20 points. Past the 13-point floor: movement.Standing →Mid-marketTapcheck37%Contested▼−1Since October 2026: 38% → 37%, −1 point. Inside the 13-point floor: within noise.This pageEnterpriseDailyPay81%Consensus▲+14Since October 2026: 67% → 81%, +14 points. Past the 13-point floor: movement.Standing →The standing
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. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Tapcheck37%0%42endorsed leader▼−1Since October 2026: 38% → 37%, −1 point. Inside the 13-point floor: within noise.38% → 37%
Tapcheck37%0%42endorsed leader▼−1Since October 2026: 38% → 37%, −1 point. Inside the 13-point floor: within noise.38% → 37%02DailyPay31%19%59endorsed leader▲+22Since October 2026: 9% → 31%, +22 points. Past the 13-point floor: movement.9% → 31%
DailyPay31%19%59endorsed leader▲+22Since October 2026: 9% → 31%, +22 points. Past the 13-point floor: movement.9% → 31%03ZayZoon13%5%42accepted challenger▼−11Since October 2026: 24% → 13%, −11 points. Inside the 13-point floor: within noise.24% → 13%
ZayZoon13%5%42accepted challenger▼−11Since October 2026: 24% → 13%, −11 points. Inside the 13-point floor: within noise.24% → 13%04
Rain6%7%30accepted challenger▲+2Since October 2026: 4% → 6%, +2 points. Inside the 13-point floor: within noise.4% → 6%
Rain6%7%30accepted challenger▲+2Since October 2026: 4% → 6%, +2 points. Inside the 13-point floor: within noise.4% → 6%05
Branch4%4%28accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 13-point floor: within noise.4% → 4%
Branch4%4%28accepted challenger=heldSince October 2026: 4% → 4%, ±0 points. Inside the 13-point floor: within noise.4% → 4%06
Payactiv2%8%52accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 13-point floor: within noise.4% → 2%
Payactiv2%8%52accepted challenger▼−2Since October 2026: 4% → 2%, −2 points. Inside the 13-point floor: within noise.4% → 2%Show the three products at 0%, ordered by negative rate
09
Dave0%70%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Dave0%70%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%08
EarnIn0%48%23criticized challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 13-point floor: within noise.4% → 0%
EarnIn0%48%23criticized challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 13-point floor: within noise.4% → 0%07
Wagestream0%0%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Wagestream0%0%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%The floor is 13 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.
All fifteen head-to-head pages: the top six products, each against each
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
010203040506070809Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Tapcheck37%
Tapcheck37%02DailyPay31%
DailyPay31%03ZayZoon13%
ZayZoon13%04Rain6%
Rain6%05Branch4%
Branch4%06Payactiv2%
Payactiv2%07Wagestream0%
Wagestream0%08EarnIn0%
EarnIn0%09Dave0%
Dave0%What they warned about
Two 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, Llama 4 Maverick, Qwen 3.7 Flash, GLM 4.7 FlashX, 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.
EarnIn48%
11 of 23 labels negative · 9 of 14 models · 6 hard negative
“Be cautious with any provider that operates as a direct-to-consumer cash-advance app rather than through your employer's payroll system—especially EarnIn, Dave, and similar apps.” Perplexity Sonar, negative prompt
DailyPay19%
11 of 59 labels negative · 9 of 14 models · 3 hard negative
“DailyPay and MoneyLion are facing a lawsuit from New York's attorney general alleging predatory payday lending, with effective interest rates above 200%” Claude Haiku 4.5, negative prompt
MoneyLion – Instacash89%
8 of 9 labels negative · 8 of 14 models · 3 hard negative
“DailyPay and MoneyLion are facing a lawsuit from New York's attorney general alleging predatory payday lending” Claude Haiku 4.5, negative prompt
Brigit
88%
7 of 8 labels negative · 7 of 14 models · 3 hard negative
“Frequently grouped in high-APR critiques (up to 1,456% in some analyses). Requires a monthly subscription” Grok 4.20, 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
76 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. 897 links across 230 sites, every framing counted. Ranked by the number of answers carrying the site or page. 18 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 · Lead Change Group37 answers · 90 citations · 11 models
vendor site · G233 answers · 73 citations · 12 models
20 answers · 22 citations · 11 models
vendor site · Tapcheck18 answers · 31 citations · 11 models
vendor site · DailyPay18 answers · 28 citations · 10 models
17 answers · 19 citations · 10 models
15 answers · 18 citations · 9 models
14 answers · 14 citations · 12 models
13 answers · 13 citations · 8 models
13 answers · 13 citations · 6 models
12 answers · 14 citations · 9 models
vendor site · Thomson Reuters12 answers · 14 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.
25 answers · 10 models
18 answers · 11 models
17 answers · 8 models
14 answers · 9 models
14 answers · 9 models
13 answers · 11 models
13 answers · 9 models
12 answers · 7 models
12 answers · 7 models
11 answers · 6 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 earned wage access provider”, “earned wage access provider”, “earned wage access providers”. 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 |
|---|---|---|---|---|---|---|---|---|
| Tapcheck tapcheck.com | 37% | 134 | 22,200 | 420 | 45,032 | 16 | 7 | |
| DailyPay dailypay.com DailyPay 31%, DailyPay Built-In™ 2% | 33% | 216 | 165,000 | 3,329 | 213,488 | $2,108 | 56 | 2 |
| ZayZoon zayzoon.com ZayZoon 13%, ZayZoon Wages On-Demand 2% | 15% | 167 | 90,500 | 304 | 39,895 | 1 | ||
| Rain rainapp.com | 6% | 95 | 246,000 | 376,115 | 6,438 | 17 | ||
| Branch branchapp.com | 4% | 66 | 60,500 | 203,933 | 45,620 | 8 | 8 | |
| Payactiv payactiv.com | 2% | 208 | 110,000 | 700 | 92,054 | $231 | 13 | 3 |
| Clair getclair.com | 2% | 16 | 12,100 | 91,260 | 6,711 | |||
| FlexEarn | 2% | |||||||
| Wagestream wagestream.com | 0% | 18 | 720 | 44 | 340 | |||
| Dayforce dayforce.com Dayforce Wallet 0% | 0% | 8 | 450,000 | 2,983 | 208,252 company | 38 |
Google's top ten for the three searches hold 12 sites; 4 of them are among the sites the models cited here (congress.gov, dailypay.com, enterprise.chime.com, tapcheck.com). The first result for “best earned wage access provider” is enterprise.chime.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 earned wage access provider for a mid-market B2B company?”Paraphrase“Which on-demand pay benefit would you recommend to a mid-sized B2B company?”Comparative“What are the top earned wage access providers and how do they differ?”Budget-constrained“What is the best earned wage access provider for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating an earned wage access provider. What should we look at?”Negative“Which earned wage access providers should I avoid or be cautious about?”
Claude Haiku 4.5Rain, TapcheckRainChangedDailyPay, EarnIn, PayactivFlexEarn, Tapcheckno first choiceagainst: DailyPay, MoneyLion – Instacash
Two alternatives
Immediate, ZayZoonThree alternatives
Branch, Tapcheck, ZayZoonTwo alternatives
Chime Workplace, ZayZoonGPT-5.4 miniTapcheckagainst: ZayZoonDailyPayChangedDailyPayBranchagainst: DailyPayno first choiceagainst: Payactiv
Two alternatives
DailyPay, RainOne alternative
RainFour alternatives
Branch, Payactiv, Rain, TapcheckTwo alternatives
Payactiv, RainGemini 3.5 FlashZayZoonDailyPayChangedDailyPayClairno first choiceagainst: Brigit, Dave, EarnIn, FloatMe, MoneyLion – Instacash, Solo Funds
Four alternatives
DailyPay, Payactiv, Rain, TapcheckSix alternatives
ADP Earned Wage Access, Gusto Wallet, Payactiv, Paylocity, Rippling, ZayZoonSeven alternatives
Branch, Clair, EarnIn, Payactiv, Rain, Tapcheck, WagestreamFour alternatives
Branch, DailyPay, Payactiv, ZayZoonPerplexity SonarTapcheckZayZoon Wages On-DemandChangedagainst: DailyPayDailyPayagainst: RainTapcheckno first choiceagainst: Dave, EarnIn
Three alternatives
DailyPay, Payactiv, ZayZoonThree alternatives
Dayforce Wallet, Paylocity On-Demand Pay, RainSix alternatives
Branch, Clair, EarnIn, Payactiv, Tapcheck, ZayZoonThree alternatives
DailyPay, Payactiv, ZayZoonGrok 4.20ZayZoonagainst: DailyPay, EarnInTapcheckChangedagainst: EarnIn, RainDailyPay, PayactivDailyPayno first choiceagainst: Branch, Bridge It, Brigit, DailyPay, Dave, EarnIn, Empower, FloatMe, MoneyLion – Instacash, Solo Funds
Two alternatives
Branch, PayactivTwo alternatives
DailyPay, PayactivFive alternatives
Branch, Instant Financial, Rain, Tapcheck, ZayZoonThree alternatives
Payactiv, Tapcheck, ZayZoonMistral SmallBranch, ZayZoonno first choiceChangedDailyPayRain, Tapcheckno first choicenothing named
Three alternatives
DailyPay, Payactiv, WiselyTwo alternatives
Branch, Dayforce WalletFour alternatives
EarnIn, FlexWage, Payactiv, WagestreamTwo alternatives
Payactiv, ZayZoonDeepSeek V4 FlashDailyPayDailyPayHeldDailyPayTapcheck, ZayZoonagainst: Chime Workplace, DailyPay, Payactivno first choiceagainst: Brigit, DailyPay, Dave, EarnIn, MoneyLion – Instacash, Payactiv
Three alternatives
Payactiv, Tapcheck, ZayZoonTwo alternatives
Payactiv, ZayZoonSeven alternatives
Branch, Clair, EarnIn, Payactiv, Rain, Wagestream, ZayZoonOne alternative
RainLlama 4 MaverickTapcheckno first choiceChangedDailyPayDailyPayno first choicenothing named
Two alternatives
DailyPay, PayactivFour alternatives
Payactiv, Rain, Tapcheck, ZayZoonThree alternatives
Payactiv, Tapcheck, ZayZoonQwen 3.7 FlashZayZoonDailyPay, TapcheckChangedno first choiceDailyPayno first choiceagainst: Brigit, DailyPay, Dave, EarnIn, MoneyLion – Instacash, Payactiv
Three alternatives
Branch Financial Solutions, Chime Workplace, TapcheckTwo alternatives
Dayforce Wallet, Paycor OnDemandThree alternatives
Rain, Tapcheck, ZayZoonKimi K2DailyPayDailyPayHeldDailyPayTapcheck, ZayZoonno first choiceagainst: Brigit, Cleo, Credit Genie, DailyPay, Dave Inc., EarnIn, FloatMe, Grant Money, Klover, MoneyLion – Instacash, Tilt
Two alternatives
Payactiv, TapcheckOne alternative
PayactivSeven alternatives
Branch, Clair, Payactiv, Rain, Tapcheck, Wagestream, ZayZoonTwo alternatives
DailyPay, PayactivGLM 4.7 FlashXDailyPay, Tapcheck, ZayZoonDailyPayChangedDailyPayPayactiv, Tapcheckno first choiceagainst: Brigit, DailyPay, Dave Inc., EarnIn, MoneyLion – Instacash, ZayZoon
Two alternatives
Immediate, PayactivOne alternative
TapcheckEight alternatives
Branch, Clair, EarnIn, Payactiv, Rain, Tapcheck, Wagestream, ZayZoonOne alternative
DailyPayMiniMax M2.5DailyPay, TapcheckTapcheckChangedDailyPayagainst: Dave, EarnInDailyPayno first choicenothing named
Two alternatives
Payactiv, ZayZoonOne alternative
DailyPaySix alternatives
Clair, Immediate, Payactiv, Rain Instant Pay, Tapcheck, ZayZoonTwo alternatives
Tapcheck, ZayZoonGPT-6 LunaTapcheckDailyPayChangedno first choiceTapcheckno first choiceagainst: Brigit, DailyPay, Dave, EarnIn, MoneyLion – Instacash
Three alternatives
DailyPay, Payactiv, RainOne alternative
RainTwo alternatives
Payactiv, ZayZoonMuse Glimmer 30BDailyPay, TapcheckDailyPay Built-In™ChangedDailyPayTapcheckno first choiceagainst: ActiveHours Inc. d/b/a EarnIn – Cash Out, Bridge It, Inc. d/b/a Brigit – Instant Cash
Three alternatives
Branch, Payactiv, ZayZoonTwo alternatives
Paylocity, ZayZoon Wages On-Demand via ADPSix alternatives
Branch, EarnIn, Payactiv, Rain, Wagestream, ZayZoonOne alternative
ZayZoonBold 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 09:17 | yes | 15 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:50 | yes | 3 | 5 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 12:35 | yes | 8 | 25 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 12:41 | yes | 10 | 3 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:12 | yes | 14 | 34 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:57 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:45 | yes | 21 | 26 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:25 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:04 | yes | 10 | 40 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:12 | yes | 10 | 54 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:39 | yes | 14 | 31 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:49 | yes | 5 | 24 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:43 | yes | 5 | 20 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:38 | yes | 10 | 19 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:01 | yes | 18 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:41 | yes | 3 | 4 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 12:22 | yes | 8 | 22 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 10:27 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:03 | yes | 10 | 26 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:39 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:48 | yes | 25 | 26 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:11 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:14 | yes | 5 | 19 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:00 | yes | 15 | 22 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:36 | yes | 15 | 21 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:13 | yes | 15 | 38 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:20 | yes | 3 | 17 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:25 | yes | 15 | 18 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:11 | yes | 16 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:24 | yes | 6 | 9 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 09:46 | yes | 12 | 24 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 10:39 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:23 | yes | 10 | 40 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:59 | yes | 14 | 12 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:50 | yes | 24 | 32 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:10 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:38 | yes | 5 | 20 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:24 | yes | 15 | 35 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:03 | yes | 19 | 97 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:38 | yes | 24 | 72 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:12 | yes | 8 | 27 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:43 | yes | 25 | 38 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:54 | yes | 9 | 6 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:46 | no | 0 | 3 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 08:51 | yes | 13 | 25 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:08 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 7 | 25 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:56 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:03 | yes | 22 | 31 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:24 | yes | 7 | 4 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:12 | yes | 5 | 15 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:20 | yes | 10 | 36 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:04 | yes | 12 | 23 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:55 | yes | 5 | 22 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:10 | yes | 3 | 15 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:25 | yes | 23 | 27 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:23 | no | 0 | 8 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:23 | no | 0 | 5 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 12:40 | no | 0 | 17 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 12:35 | yes | 10 | 9 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:04 | yes | 5 | 42 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:40 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:48 | yes | 24 | 36 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:56 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:04 | yes | 9 | 45 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:55 | yes | 21 | 28 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:10 | yes | 13 | 94 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:00 | no | 0 | 44 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:56 | yes | 4 | 19 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:49 | yes | 12 | 26 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:30 | yes | 29 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:11 | 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 09:27 | yes | 14 | 18 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:11 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:05 | yes | 14 | 34 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:05 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:50 | yes | 25 | 26 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:45 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:57 | no | 0 | 31 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:27 | yes | 24 | 34 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:59 | yes | 25 | 57 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:19 | no | 0 | 29 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:58 | yes | 5 | 21 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:14 | yes | 24 | 26 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
ADP read as ADP Immediate Pay
CloudPay read as CloudPay NOW
Gusto read as Gusto Wallet
MoneyLion read as MoneyLion – Instacash
MoneyLion (Instacash product) read as MoneyLion – Instacash
MoneyLion (Nimble/Beem) read as MoneyLion – Instacash
Unresolved, counted raw
ADP Earned Wage Access
ActiveHours Inc. d/b/a EarnIn – Cash Out
Asure EWA
Betterfly EWA
Branch Financial Solutions
Bridge It, Inc. d/b/a Brigit – Instant Cash
Cadana EWA
Ceridian Dayforce Wallet
Credit Genie
DailyPay Built-In™
Dave Inc.
EZ Wage
Eziway Salary Packaging
Fourth Fuego EWA
Grant Money
Hastee Pay
Kini Teknologi
Netchex EWA
Netchex FlexPay
PayKey
Paycor OnDemand
QRails AnyDay
Ramsey Smartdollar
Salarify
SalaryGesa
Wages On-Demand by CBIZ
ZayZoon Wages On-Demand via ADP
Discontinued, still offered
No shut-down product was recommended here.