Rain vs Payactiv
One of fourteen models named Rain first on the direct prompt; zero named Payactiv. Both were named by all fourteen models and Rain carries 30 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
RainFirst choices, of fourteen modelsPayactiv
Across every category in the November 2026 Edition, Rain and Payactiv were named in the same answer seventy-four times, of the 96 answers naming Rain and the 218 naming Payactiv. In those answers Payactiv took the first choice eleven times and Rain 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 | | |
Rain Payactiv first choice named as an alternative argued againstblank: not namedEach cell is one answer, Rain on the left and Payactiv on the right.The direct prompt
Rain first, Payactiv not the choice
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
12 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
1 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
Rain2%#5 of 7Payactiv2%#4 of 7Payactiv12%#2 of 9Rain0%#6 of 9What the models said about Rain
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“its treatment of gross wages can create greater reconciliation risk if hours or deductions change” Perplexity Sonar · comparative prompt · soft negative
“More employee-driven apps; less seamless for employer-sponsored B2B programs.” Grok 4.20 · paraphrase prompt · soft negative
“Popular options for mid-market companies include providers like Rain, which offers earned wage access to employees of mid-market + enterprise employers” Claude Haiku 4.5 · paraphrase prompt · first choice
“Rain – Best for simple earned wage access, often highlighted for its ease of use and affordability.” Mistral Small · budget prompt · first choice
“Tapcheck or Rain are generally considered the strongest choices.” Claude Haiku 4.5 · direct 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.