Branch vs Payactiv
One of fourteen models named Branch first on the direct prompt; zero named Payactiv. Branch was named by twelve of the fourteen models and Payactiv by fourteen and Branch carries 28 labels and Payactiv 52, so the shares are not directly comparable.
Named in two categories this edition.
Named in two categories this edition.
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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the earned wage access page.
By framing
BranchFirst choices, of fourteen modelsPayactiv
Across every category in the November 2026 Edition, Branch and Payactiv were named in the same answer sixty-four times, of the 70 answers naming Branch and the 218 naming Payactiv. In those answers Payactiv took the first choice ten times and Branch two.
Every model, every framing
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | |||||
| GPT-5.4 mini | | | | |||
| Gemini 3.5 Flash | | | | | | |
| Perplexity Sonar | | | | |||
| Grok 4.20 | | | | | | |
| Mistral Small | | | | | ||
| DeepSeek V4 Flash | | | | | | |
| Llama 4 Maverick | | | | |||
| Qwen 3.7 Flash | | |||||
| Kimi K2 | | | | | ||
| GLM 4.7 FlashX | | | | | ||
| MiniMax M2.5 | | | | |||
| GPT-6 Luna | | | ||||
| Muse Glimmer 30B | | |
Branch Payactiv first choice named as an alternative argued againstblank: not namedEach cell is one answer, Branch on the left and Payactiv on the right.The direct prompt
Branch first, Payactiv an alternative
1 of 14 modelsPayactiv was named in the answer but not as the choice, or not at all.Neither was the first choice, one was named
10 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
3 of 14 modelsThe answer made no first choice from these two in this category.Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
Branch4%#5 of 9Payactiv2%#6 of 9Payactiv12%#2 of 9Branch0%#7 of 9What the models said about Branch
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“Others to watch (lower complaint volume but similar risks): Branch (mentioned in dependency stories)” Grok 4.20 · negative prompt · soft negative
“Branch and ZayZoon are currently the top recommendations due to their proven fit and compliance in this segment” Mistral Small · direct prompt · first choice
“If you're on a tight budget, I'd shortlist: 1. Branch” GPT-5.4 mini · budget prompt · first choice
“platforms like DailyPay, PayActiv, Branch, or Rain” Gemini 3.5 Flash · negative prompt · first choice
What the models said about Payactiv
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of four in this category shown.
“It is generally advised to exercise extreme caution or avoid using services tied directly to PayActiv until the legal dust settles.” Qwen 3.7 Flash · negative prompt · hard negative
“Payactiv is best for low-fee, employee-friendly access, with no-fee ACH transfers and deep financial wellness tools” Claude Haiku 4.5 · comparative prompt · first choice
“Market leaders like DailyPay and Payactiv frequently top comparison scores for features, compliance, and adoption.” Grok 4.20 · comparative prompt · first choice
“platforms like DailyPay, PayActiv, Branch, or Rain” Gemini 3.5 Flash · negative prompt · first choice
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.