Index › HR › Compensation and total rewards › Earned wage access › Small business · November 2026 Edition
Earned wage access for small business buyers
Asked as “earned wage access provider”, and as “on-demand pay benefit”, on behalf of a small B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
30Tapcheck30ZayZoon20DailyPay20others
30% of first choices, contested.
Since October 2026▼−20Since October 2026: 50% → 30%, −20 points. Past the 13-point floor: movement.ZayZoon held the lead, −20 points on 50%, 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.This pageMid-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.Standing →
ZayZoon30%Contested▼−20Since October 2026: 50% → 30%, −20 points. Past the 13-point floor: movement.This pageMid-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.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01ZayZoon30%2%53accepted challenger▼−20Since October 2026: 50% → 30%, −20 points. Past the 13-point floor: movement.50% → 30%
ZayZoon30%2%53accepted challenger▼−20Since October 2026: 50% → 30%, −20 points. Past the 13-point floor: movement.50% → 30%02Tapcheck30%4%54accepted challenger▲+6Since October 2026: 24% → 30%, +6 points. Inside the 13-point floor: within noise.24% → 30%
Tapcheck30%4%54accepted challenger▲+6Since October 2026: 24% → 30%, +6 points. Inside the 13-point floor: within noise.24% → 30%03DailyPay20%19%53accepted challenger▲+8Since October 2026: 12% → 20%, +8 points. Inside the 13-point floor: within noise.12% → 20%
DailyPay20%19%53accepted challenger▲+8Since October 2026: 12% → 20%, +8 points. Inside the 13-point floor: within noise.12% → 20%04
Payactiv2%13%39accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
Payactiv2%13%39accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%05
Rain2%7%29accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%
Rain2%7%29accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 13-point floor: within noise.0% → 2%Show the two products at 0%, ordered by negative rate
07
EarnIn0%62%16criticized challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 13-point floor: within noise.4% → 0%
EarnIn0%62%16criticized challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 13-point floor: within noise.4% → 0%06
Branch0%8%12accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise.0% → 0%
Branch0%8%12accepted 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.
For buyers
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
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 →
01020304050607Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01ZayZoon30%
ZayZoon30%02Tapcheck30%
Tapcheck30%03DailyPay20%
DailyPay20%04Payactiv2%
Payactiv2%05Rain2%
Rain2%06Branch0%
Branch0%07EarnIn0%
EarnIn0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5 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.
EarnIn62%
10 of 16 labels negative · 9 of 14 models · 7 hard negative
“Providers like EarnIn, Dave, MoneyLion, and Empower operate outside employer partnerships. These are generally more problematic for small businesses” Kimi K2, negative prompt
DailyPay19%
10 of 53 labels negative · 7 of 14 models · 1 hard negative
“BBB complaint summary for DailyPay, LLC shows 923 total complaints in the last 3 years... complaints about incorrect pay dates, issues with their DailyPay pay balance going into the negative” Muse Glimmer 30B, negative prompt
Dave86%
6 of 7 labels negative · 6 of 14 models · 3 hard negative
“Providers like EarnIn, Dave, MoneyLion, and Empower operate outside employer partnerships. These are generally more problematic for small businesses” Kimi K2, negative prompt
Brigit
86%
6 of 7 labels negative · 5 of 14 models · 5 hard negative
“Be careful: Companies that classify the product as a "direct-to-consumer" cash advance (like Brigit) ... carry significantly different — and riskier — regulatory profiles.” DeepSeek V4 Flash, scale 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
77 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. 894 links across 190 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 Group43 answers · 130 citations · 10 models
vendor site · G241 answers · 93 citations · 12 models
vendor site · DailyPay28 answers · 45 citations · 13 models
24 answers · 24 citations · 11 models
vendor site · Tapcheck23 answers · 50 citations · 10 models
vendor site · Guideflow21 answers · 21 citations · 11 models
vendor site · ADP15 answers · 27 citations · 6 models
15 answers · 16 citations · 7 models
vendor site · ZayZoon14 answers · 18 citations · 9 models
12 answers · 12 citations · 7 models
11 answers · 13 citations · 8 models
10 answers · 11 citations · 7 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.
37 answers · 10 models
35 answers · 11 models
32 answers · 10 models
24 answers · 10 models
23 answers · 11 models
21 answers · 11 models
15 answers · 9 models
15 answers · 8 models
14 answers · 11 models
13 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 |
|---|---|---|---|---|---|---|---|---|
| ZayZoon zayzoon.com | 30% | 167 | 90,500 | 304 | 39,895 | 1 | ||
| Tapcheck tapcheck.com | 30% | 134 | 22,200 | 420 | 45,032 | 16 | 7 | |
| DailyPay dailypay.com | 20% | 216 | 165,000 | 3,329 | 213,488 | $2,108 | 56 | 2 |
| Gusto gusto.com Gusto Wallet 2%, Gusto Cashout 2% | 4% | 10 | 673,000 | 10,560 | 1,629,483 company | 118 | ||
| Payactiv payactiv.com | 2% | 208 | 110,000 | 700 | 92,054 | $231 | 13 | 3 |
| Rain rainapp.com | 2% | 95 | 246,000 | 376,115 | 6,438 | 17 | ||
| Clair getclair.com | 2% | 16 | 12,100 | 91,260 | 6,711 | |||
| Billie | 2% | 40,500 | 386,430 | |||||
| QuickBooks Instant Pay | 2% | |||||||
| Resolve resolver.com | 2% | 1 |
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, 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 small B2B company?”Paraphrase“Which on-demand pay benefit would you recommend to a small business that sells to other businesses?”Comparative“What are the top earned wage access providers for a small team and how do they differ?”Budget-constrained“What is the best earned wage access provider for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating an earned wage access provider. What should we look at?”Negative“Which earned wage access providers should a small business avoid or be cautious about?”
Claude Haiku 4.5Tapcheckno first choiceChangedZayZoonTapcheckno first choicenothing named
Two alternatives
Payactiv, ZayZoonThree alternatives
Payactiv, Rain, TapcheckThree alternatives
Chime Workplace, FlexEarn, ZayZoonGPT-5.4 miniTapcheckDailyPayChangedRain, ZayZoonZayZoonagainst: Payactivno first choiceagainst: Payactiv
Two alternatives
DailyPay, PayactivTwo alternatives
Branch, PayactivFour alternatives
DailyPay, Payactiv, Tapcheck, WiselyTwo alternatives
DailyPay, TapcheckGemini 3.5 FlashZayZoonGusto Cashout, QuickBooks Instant PayChangedGusto WalletClair, Gusto Walletno first choiceagainst: Brigit, Dave, EarnIn, Klover, MoneyLion – Instacash
Three alternatives
Clair, Gusto Cashout, TapcheckTwo alternatives
Tapcheck, ZayZoonFour alternatives
EarnIn, Homebase Cash Out, Tapcheck, ZayZoonSeven alternatives
ADP Immediate Pay, Branch, QuickBooks Payroll, Rain, Rippling, Tapcheck, ZayZoonPerplexity SonarTapcheckagainst: DailyPay, PayactivZayZoon Earned Wage AccessChangedTapcheck, ZayZoonagainst: DailyPayTapcheckagainst: DailyPayno first choiceagainst: Dave, EarnIn, Empower, MoneyLion – Instacash
Two alternatives
Gusto Wallet, ZayZoonOne alternative
DailyPayTwo alternatives
Payactiv, RainTwo alternatives
Payactiv, ZayZoonGrok 4.20ZayZoonagainst: Dayforce Wallet, EarnInZayZoonHeldDailyPay, ZayZoonagainst: TapcheckZayZoonagainst: Rainno first choiceagainst: Dave, EarnIn, Rain
Two alternatives
DailyPay, TapcheckThree alternatives
DailyPay, Payactiv, TapcheckThree alternatives
Branch, Payactiv, RainThree alternatives
DailyPay, Payactiv, TapcheckMistral SmallDailyPay, ZayZoonBillie, Resolve, TreviPayChangedDailyPay, Payactivagainst: Tapcheck, ZayZoonTapcheck, ZayZoonno first choiceagainst: Brigit, EarnIn, Empower, MoneyLion – Instacash
Two alternatives
Rain, TapcheckOne alternative
RainOne alternative
PayactivDeepSeek V4 FlashZayZoonagainst: PayactivTapcheckChangedDailyPay, ZayZoonZayZoonDailyPay, ZayZoonagainst: Branch, Brigitagainst: Brigit, DailyPay, Dave, EarnIn, FloatMe
Three alternatives
DailyPay, Rain, TapcheckOne alternative
ZayZoonTwo alternatives
Rain, TapcheckThree alternatives
DailyPay, Rain, TapcheckOne alternative
TapcheckLlama 4 MaverickDailyPayno first choiceChangedno first choiceTapcheckagainst: DailyPayno first choicenothing named
Three alternatives
Rain, Tapcheck, ZayZoonOne alternative
ZayZoonQwen 3.7 FlashTapcheckTapcheckHeldTapcheckTapcheckBrigitagainst: ADP Immediate Pay, Dayforce Walletagainst: Brigit, DailyPay, Dave, EarnIn
Two alternatives
DailyPay, ZayZoonTwo alternatives
DailyPay, ZayZoonThree alternatives
DailyPay, Payactiv, ZayZoonTwo alternatives
Chime Workplace, ZayZoonThree alternatives
DailyPay, Kronos, WagenaKimi K2ZayZoonDailyPayChangedZayZoonTapcheck, ZayZoonno first choiceagainst: Dave, EarnIn, Empower, MoneyLion – Instacash
Three alternatives
DailyPay, Payactiv, TapcheckOne alternative
ZayZoonFour alternatives
DailyPay, Payactiv, Rain, TapcheckTwo alternatives
Payactiv, RainGLM 4.7 FlashXDailyPayZayZoonChangedDailyPay, Payactiv, TapcheckDailyPayno first choiceagainst: Brigit, Dave Inc., EarnIn
Three alternatives
Payactiv, Tapcheck, ZayZoonTwo alternatives
Payactiv, TapcheckThree alternatives
Branch, Rain, ZayZoonThree alternatives
Payactiv, Rain, TapcheckMiniMax M2.5DailyPayZayZoonChangedTapcheckRain, Tapcheckagainst: DailyPayPayactiv, Tapchecknothing named
Three alternatives
Payactiv, Tapcheck, ZayZoonThree alternatives
AsurePay, DailyPay, EarnInThree alternatives
DailyPay, Payactiv, ZayZoonOne alternative
ZayZoonOne alternative
DailyPayGPT-6 LunaDailyPayDailyPayHeldTapcheck, ZayZoonagainst: DailyPayTapcheckno first choiceagainst: DailyPay, EarnIn, MoneyLion – Instacash
One alternative
TapcheckTwo alternatives
Branch, PayactivOne alternative
ZayZoonMuse Glimmer 30BDailyPayZayZoonChangedDailyPayTapcheck, ZayZoonno first choiceagainst: DailyPay, Payactiv
Two alternatives
Tapcheck, ZayZoonThree alternatives
Rain, Tapcheck, ZayZoonTwo alternatives
DailyPay, PayactivBold 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 11:21 | yes | 16 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:51 | yes | 4 | 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 11:24 | yes | 10 | 20 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 08:57 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:06 | yes | 20 | 32 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:34 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:40 | yes | 19 | 31 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:48 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:48 | yes | 19 | 63 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:33 | yes | 12 | 24 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:49 | yes | 9 | 22 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:26 | yes | 5 | 30 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:19 | yes | 3 | 15 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:31 | yes | 15 | 30 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:56 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:55 | yes | 1 | 8 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 11:25 | yes | 4 | 17 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:09 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:14 | yes | 10 | 30 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:20 | yes | 5 | 9 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:03 | yes | 24 | 22 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:01 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:52 | yes | 5 | 29 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 08:45 | yes | 14 | 38 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:38 | yes | 14 | 94 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:41 | yes | 9 | 40 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:35 | yes | 2 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:11 | yes | 9 | 15 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:46 | yes | 15 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:56 | yes | 3 | 7 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 08:55 | yes | 10 | 24 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 11:24 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:07 | yes | 9 | 33 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:20 | yes | 5 | 5 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:18 | yes | 19 | 48 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:58 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:02 | yes | 14 | 65 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:43 | yes | 17 | 31 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 10:30 | yes | 23 | 86 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:49 | yes | 19 | 42 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:46 | yes | 5 | 22 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:58 | yes | 19 | 35 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:57 | yes | 13 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:21 | yes | 4 | 4 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 12:59 | yes | 10 | 19 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 08:49 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 14 | 27 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:34 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:29 | yes | 22 | 16 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:48 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:18 | yes | 8 | 47 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:05 | yes | 15 | 35 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:09 | yes | 24 | 215 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:45 | yes | 5 | 18 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:54 | yes | 3 | 15 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:13 | yes | 23 | 27 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:32 | no | 0 | 5 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:10 | 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 11:37 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 10:05 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:17 | yes | 5 | 30 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:22 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:31 | yes | 23 | 31 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:10 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:26 | no | 0 | 30 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:08 | yes | 23 | 42 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:59 | yes | 25 | 53 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:10 | yes | 5 | 52 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 09:32 | yes | 3 | 23 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:50 | yes | 15 | 25 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 11:50 | yes | 9 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:33 | yes | 4 | 7 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 12:54 | yes | 12 | 22 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 11:40 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:20 | yes | 25 | 37 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:24 | yes | 5 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:34 | yes | 25 | 25 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:16 | yes | 10 | 5 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:43 | yes | 10 | 34 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:38 | yes | 21 | 32 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:24 | yes | 24 | 279 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:56 | no | 0 | 15 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:26 | yes | 4 | 27 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:30 | yes | 23 | 29 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 / ADP Pay) read as ADP Immediate Pay
ADP Wisely read as Wisely
Dayforce read as Dayforce Wallet
Gusto read as Gusto Wallet
Gusto (Gusto Cashout) read as Gusto Wallet
Instant read as Instant Financial
MoneyLion read as MoneyLion – Instacash
Unresolved, counted raw
ADP RUN On-Demand Pay
AsurePay
Billie
Dave Inc.
GoDo
Inova Payroll
QuickBooks Instant Pay
Rain7
Resolve
TreviPay
Wagena
ZayZoon Earned Wage Access
Discontinued, still offered
No shut-down product was recommended here.