Index › HR › Compensation and total rewards › Earned wage access › Enterprise · November 2026 Edition
Earned wage access for enterprise buyers
Asked as “earned wage access provider”, and as “on-demand pay benefit”, on behalf of an enterprise B2B company. 48 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
81%
Consensus
81DailyPay12Payactiv02Chime Workplace04others
81% of first choices, consensus.
Since October 2026▲+14Since October 2026: 67% → 81%, +14 points. Past the 13-point floor: movement.DailyPay held the lead, +14 points on 67%, past the 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.Standing →Enterprise
DailyPay81%Consensus▲+14Since October 2026: 67% → 81%, +14 points. Past the 13-point floor: movement.This page
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.Standing →EnterpriseDailyPay81%Consensus▲+14Since October 2026: 67% → 81%, +14 points. Past the 13-point floor: movement.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01DailyPay81%7%67endorsed leader▲+14Since October 2026: 67% → 81%, +14 points. Past the 13-point floor: movement.67% → 81%
DailyPay81%7%67endorsed leader▲+14Since October 2026: 67% → 81%, +14 points. Past the 13-point floor: movement.67% → 81%02
Payactiv12%6%65accepted challenger▲+7Since October 2026: 5% → 12%, +7 points. Inside the 13-point floor: within noise.5% → 12%
Payactiv12%6%65accepted challenger▲+7Since October 2026: 5% → 12%, +7 points. Inside the 13-point floor: within noise.5% → 12%03ZayZoon2%14%22accepted challenger▼−3Since October 2026: 5% → 2%, −3 points. Inside the 13-point floor: within noise.5% → 2%
ZayZoon2%14%22accepted challenger▼−3Since October 2026: 5% → 2%, −3 points. Inside the 13-point floor: within noise.5% → 2%04
Chime Workplace2%9%11accepted challenger▼−3Since October 2026: 5% → 2%, −3 points. Inside the 13-point floor: within noise.5% → 2%
Chime Workplace2%9%11accepted challenger▼−3Since October 2026: 5% → 2%, −3 points. Inside the 13-point floor: within noise.5% → 2%Show the five products at 0%, ordered by negative rate
09
EarnIn0%77%13criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
EarnIn0%77%13criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%08
Paycom0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Paycom0%20%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%07
Branch0%17%24accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%
Branch0%17%24accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%06
Rain0%16%31accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%
Rain0%16%31accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%05Tapcheck0%10%29accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 0%
Tapcheck0%10%29accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise.2% → 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.
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not enterprise.
All fifteen head-to-head pages: the top six products, each against each
One product takes 81% of first choices here, so the chart would put eight markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. One product carries a negative rate above 25% in this category.
What they warned about
Ten of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar and MiniMax M2.5 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.
EarnIn77%
10 of 13 labels negative · 9 of 14 models · 8 hard negative
“Examples of D2C or high-risk providers ... avoid or scrutinize heavily for enterprise use: Earnin (Activehours, Inc.) – Relies on tips; high usage and cost concerns” Grok 4.20, negative prompt
Brigit
100%
7 of 7 labels negative · 7 of 14 models · 6 hard negative
“Maryland settlement for hidden fees / unlicensed lending... The Division alleged that Brigit engaged in unlicensed lending” Muse Glimmer 30B, negative prompt
Dave100%
6 of 6 labels negative · 6 of 14 models · 5 hard negative
“Verdict: Avoid. The combination of high CFPB complaints and active litigation makes them a high-maintenance, high-risk partner.” DeepSeek V4 Flash, negative prompt
DailyPay7%
5 of 67 labels negative · 5 of 14 models · 2 hard negative
“Providers to Monitor/Avoid: DailyPay ... has faced significant legal scrutiny” Qwen 3.7 Flash, 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
74 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. 945 links across 198 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 Group45 answers · 106 citations · 11 models
vendor site · G236 answers · 74 citations · 11 models
vendor site · DailyPay30 answers · 71 citations · 13 models
25 answers · 30 citations · 12 models
18 answers · 19 citations · 10 models
18 answers · 18 citations · 11 models
vendor site · Payactiv17 answers · 24 citations · 8 models
15 answers · 18 citations · 8 models
14 answers · 31 citations · 7 models
vendor site · ADP14 answers · 17 citations · 6 models
vendor site · Instant13 answers · 15 citations · 8 models
13 answers · 13 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.
38 answers · 10 models
36 answers · 10 models
18 answers · 9 models
18 answers · 11 models
16 answers · 8 models
15 answers · 7 models
15 answers · 8 models
15 answers · 9 models
13 answers · 9 models
13 answers · 7 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 |
|---|---|---|---|---|---|---|---|---|
| DailyPay dailypay.com | 81% | 216 | 165,000 | 3,329 | 213,488 | $2,108 | 56 | 2 |
| Payactiv payactiv.com | 12% | 208 | 110,000 | 700 | 92,054 | $231 | 13 | 3 |
| ZayZoon zayzoon.com | 2% | 167 | 90,500 | 304 | 39,895 | 1 | ||
| Chime Workplace chime.com | 2% | 44 | 320 | 1 | 1,490,450 | $409,615 | 120 | 1 |
| Dayforce Wallet dayforce.com Dayforce Flex Pay / Dayforce Wallet 2%, Dayforce Wallet 0% | 2% | 8 | 208,252 | 38 | ||||
| Tapcheck tapcheck.com | 0% | 134 | 22,200 | 420 | 45,032 | 16 | 7 | |
| Rain rainapp.com | 0% | 95 | 246,000 | 376,115 | 6,438 | 17 | ||
| Branch branchapp.com | 0% | 66 | 60,500 | 203,933 | 45,620 | 8 | 8 | |
| Wagestream wagestream.com | 0% | 18 | 720 | 44 | 340 | |||
| Instant instant.co Instant Financial 0% | 0% | 15 | 39,839 company | 2 |
Google's top ten for the three searches hold 12 sites; 3 of them are among the sites the models cited here (dailypay.com, enterprise.chime.com, payactiv.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 an enterprise B2B company?”Paraphrase“Which on-demand pay benefit would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade earned wage access providers and how do they differ?”Budget-constrained“What is the best earned wage access provider for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating an earned wage access provider. What should we look at?”Negative“Which earned wage access providers should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5DailyPayno first choiceChangedDailyPay, PayactivDailyPayno first choicenothing named
Two alternatives
Rain, WiselyTwo alternatives
Clair, RainTwo alternatives
Chime Workplace, PayactivGPT-5.4 miniDailyPayno first choiceChangedDailyPayPayactivno first choiceagainst: Payactiv
One alternative
PayactivFour alternatives
Branch, Payactiv, Rain, myFlexPayOne alternative
DailyPayGemini 3.5 FlashDailyPayDailyPayHeldDailyPayDailyPayno first choiceagainst: Brigit, Dave, EarnIn, Klover, MoneyLion – Instacash
Three alternatives
ONE at Work, Payactiv, WagestreamFour alternatives
ADP Immediate Pay, ONE@Work, Payactiv, UKG WalletFour alternatives
Branch, Clair, Payactiv, RainFour alternatives
Branch, Instant Financial, ONE@Work, PayactivPerplexity SonarDailyPayDayforce Flex Pay / Dayforce WalletChangedDailyPayDailyPayno first choiceagainst: AnyDay, Branch, Brigit, Chime Workplace, DailyPay, Dave, EarnIn, Immediate, OrbisPay, Payactiv, Paycom, Rain, Wisely, ZayZoon
Four alternatives
Payactiv, Paycom, Tapcheck, WiselyFour alternatives
Branch, DailyPay, Instant Financial, PayactivFive alternatives
Payactiv, Tapcheck, Wagestream, Wisely, ZayZoonOne alternative
PayactivGrok 4.20DailyPayagainst: Paycom, Rain, ZayZoonDailyPayHeldagainst: Branch, Rain, Tapcheck, ZayZoonDailyPayagainst: Instant Financial, RainDailyPayagainst: EarnIn, Rain, Tapcheckno first choiceagainst: Branch, Brigit, Cleo, Current, Dave, EarnIn, Empower
Four alternatives
Branch, Chime Workplace, Payactiv, TapcheckOne alternative
PayactivThree alternatives
Payactiv, Tapcheck, ZayZoonTwo alternatives
Chime Workplace, PayactivMistral SmallDailyPayDailyPayHeldDailyPay, PayactivDailyPay, Payactivno first choiceagainst: EarnIn
Three alternatives
Payactiv, Tapcheck, Wisely® by ADPThree alternatives
Branch, Even, PayactivThree alternatives
Rain, Tapcheck, ZayZoonDeepSeek V4 FlashDailyPayDailyPayHeldDailyPay, PayactivDailyPay, PayactivDailyPayagainst: Brigit, DailyPay, Dave, EarnIn, Empower, MoneyLion – Instacash, Payactiv
Two alternatives
Payactiv, TapcheckOne alternative
PayactivThree alternatives
Even, Instant Financial, WagestreamOne alternative
TapcheckThree alternatives
Branch, Payactiv, RainLlama 4 MaverickDailyPayDailyPayHeldno first choiceDailyPayno first choicenothing named
One alternative
PayactivQwen 3.7 FlashDailyPayDailyPayHeldDailyPay, Payactivagainst: Branch, EarnInDailyPayDailyPay, Payactiv, ZayZoonagainst: Brigit, DailyPay, Dave, Overdraft
Three alternatives
Payactiv, Tapcheck, ZayZoonOne alternative
Chime WorkplaceFour alternatives
Chime Workplace, Tapcheck, Wagestream, ZayZoonTwo alternatives
Payactiv, PerPayKimi K2DailyPayDailyPayHeldDailyPayagainst: TapcheckDailyPay, Payactivno first choiceagainst: Brigit, EarnIn
Two alternatives
Chime Workplace, PayactivOne alternative
PayactivFour alternatives
ADP Wisely®, Payactiv, Paycom, ZayZoonGLM 4.7 FlashXDailyPayDailyPayHeldDailyPay, PayactivDailyPayno first choiceagainst: Bridge It, DailyPay, Dave, EarnIn, FloatMe, MoneyLion – Instacash, Solo Funds
One alternative
PayactivFour alternatives
Dayforce Wallet, EarnIn, Payactiv, RainNine alternatives
ADP Immediate Pay, Branch, EY, KPMG, Paycom, Paylocity, Tapcheck, Workday, ZayZoonTwo alternatives
Payactiv, TapcheckMiniMax M2.5DailyPayDailyPay, PayactivChangedDailyPayDailyPayno first choicenothing named
Two alternatives
Payactiv, TapcheckTwo alternatives
FlexWage, Instant FinancialTwo alternatives
Payactiv, TapcheckTwo alternatives
Payactiv, TapcheckGPT-6 LunaDailyPayDailyPayHeldDailyPayChime Workplaceno first choiceagainst: DailyPay, FloatMe, MoneyLion – Instacash, Payactiv
Three alternatives
Branch, Payactiv, RainTwo alternatives
Payactiv, RainFive alternatives
Branch, OnePay @Work, Payactiv, Rain, TapcheckTwo alternatives
Payactiv, RainMuse Glimmer 30BDailyPayDailyPayHeldDailyPay, PayactivDailyPayno first choiceagainst: Brigit, Dave Inc., EarnIn
One alternative
PayactivTwo alternatives
Dayforce Wallet, PayactivThree alternatives
Branch, FlexWage Solutions / Instant Financial, WagestreamFour alternatives
Immediate, Payactiv, Rain, TapcheckBold 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 12:42 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:39 | yes | 4 | 7 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 10:06 | no | 0 | 17 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:41 | yes | 10 | 10 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:18 | yes | 15 | 33 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:52 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:54 | yes | 22 | 23 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:05 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:04 | yes | 8 | 22 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:12 | yes | 10 | 44 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:35 | yes | 23 | 100 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:02 | yes | 5 | 26 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:20 | yes | 4 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:58 | yes | 20 | 27 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:20 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:33 | yes | 0 | 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 12:41 | yes | 8 | 22 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 12:26 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:30 | yes | 15 | 29 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 08:47 | no | 0 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:32 | yes | 23 | 25 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:50 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:10 | yes | 5 | 18 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:46 | yes | 20 | 124 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:58 | yes | 15 | 41 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:55 | yes | 5 | 24 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:50 | yes | 3 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:10 | yes | 14 | 14 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:03 | yes | 16 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:30 | yes | 7 | 10 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 12:34 | yes | 10 | 24 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:30 | yes | 10 | 8 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 13 | 34 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:04 | yes | 11 | 10 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:47 | yes | 22 | 48 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:57 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:50 | yes | 14 | 25 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:03 | yes | 18 | 36 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:46 | yes | 25 | 162 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:05 | yes | 8 | 29 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:32 | yes | 7 | 33 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:04 | yes | 23 | 49 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:35 | yes | 19 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:06 | yes | 4 | 5 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 11:48 | yes | 5 | 24 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:05 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 14 | 27 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:19 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:37 | yes | 23 | 34 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:22 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:58 | yes | 14 | 76 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:00 | yes | 24 | 33 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:09 | yes | 21 | 112 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:31 | yes | 20 | 67 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:00 | yes | 3 | 19 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:23 | yes | 25 | 34 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:39 | yes | 19 | 13 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:07 | no | 0 | 11 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 11:44 | no | 0 | 25 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 08:51 | yes | 10 | 10 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:16 | yes | 5 | 35 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:37 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:23 | yes | 24 | 36 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:29 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:12 | yes | 19 | 48 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:51 | yes | 15 | 28 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:44 | yes | 22 | 53 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:14 | no | 0 | 15 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:44 | yes | 4 | 32 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:09 | yes | 14 | 22 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:48 | yes | 10 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:36 | yes | 5 | 8 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 09:32 | yes | 12 | 25 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 09:34 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 16 | 34 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:00 | yes | 9 | 8 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:57 | yes | 22 | 40 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:27 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:23 | no | 0 | 35 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:52 | yes | 21 | 27 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:23 | yes | 24 | 49 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:53 | no | 0 | 33 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:32 | yes | 4 | 27 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:12 | yes | 25 | 47 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
ADP Wisely read as Wisely
Gusto read as Gusto Wallet
Instant read as Instant Financial
MoneyLion read as MoneyLion – Instacash
Unresolved, counted raw
ADP Express Pay/Wisely
ADP On-Demand Pay
ADP Wisely®
AnyDay
Dave Inc.
Dayforce Credit
Dayforce Flex Pay
Dayforce Flex Pay / Dayforce Wallet
FlexWage Solutions / Instant Financial
ONE at Work (formerly Even)
OneSource Virtual
Overdraft
PerPay
Viventium
Wisely® by ADP
Workday Pay
Zeno Finance
Discontinued, still offered
No shut-down product was recommended here.