B2B BNPL and net terms
Asked as “B2B buy now pay later provider”, and as “net terms financing for B2B sales”, on behalf of a mid-market B2B company. 43 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the October 2026 Edition on October 4, 2026; its answers are read by the distilled judge (ai-indexes-judge-qwen3-14b-run3), not the claude-opus-5 judge of the earlier categories: how the two compare.
Standing · first-choice share
56%
Resolve PayClear leader
56Resolve Pay14Credit Key05Billie26others
56% of first choices, clear leader.
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.
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 September 2026
Show the five products at 0%, ordered by negative rate
The floor is 10 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 is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. 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
All twenty-one head-to-head pages: the top seven products, each against each
Resolve Pay vs MonduResolve Pay vs BalanceResolve Pay vs FundboxCredit Key vs BillieCredit Key vs SlopeCredit Key vs MonduCredit Key vs BalanceCredit Key vs FundboxBillie vs SlopeBillie vs MonduBillie vs BalanceBillie vs FundboxSlope vs MonduSlope vs BalanceSlope vs FundboxMondu vs BalanceMondu vs FundboxBalance vs Fundbox
One product takes 56% of first choices here, so the chart would put eleven 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. Three products carry a negative rate above 25% in this category.
What they warned about
Six of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, GLM 4.7 FlashX 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.
Affirm73%
8 of 11 labels negative · 8 of 14 models · 4 hard negative
“Many mainstream BNPL players (e.g., Affirm, Klarna, Afterpay, Sezzle, Zip) are consumer-focused and may not be suitable for B2B transactions.” Mistral Small, negative prompt
Klarna
75%
9 of 12 labels negative · 8 of 14 models · 4 hard negative
“Many mainstream BNPL players (e.g., Affirm, Klarna, Afterpay, Sezzle, Zip) are consumer-focused and may not be suitable for B2B transactions.” Mistral Small, negative prompt
Hokodo30%
7 of 23 labels negative · 6 of 14 models · 6 hard negative
“Ceased operations Nov 2025 (wind-down Mar 2026)... Even heavily funded, first-mover fintechs collapse if debt facilities dry up” Qwen 3.7 Flash, negative prompt
Afterpay
100%
5 of 5 labels negative · 4 of 14 models · 2 hard negative
“Many mainstream BNPL players (e.g., Affirm, Klarna, Afterpay, Sezzle, Zip) are consumer-focused and may not be suitable for B2B transactions.” Mistral Small, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
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. 1119 links across 236 sites, every framing counted. Ranked by the number of answers carrying the site or page. None of the 252 answers across every segment cited this index's own page for the category.
vendor site · Resolve Pay64 answers · 212 citations · 14 models
36 answers · 36 citations · 12 models
vendor site · Solidgate33 answers · 33 citations · 11 models
vendor site · Mondu25 answers · 32 citations · 12 models
vendor site · Ratiotech23 answers · 31 citations · 10 models
23 answers · 26 citations · 10 models
vendor site · Order.co21 answers · 21 citations · 11 models
vendor site · TreviPay19 answers · 26 citations · 11 models
vendor site · Two19 answers · 22 citations · 9 models
vendor site · Whop18 answers · 18 citations · 11 models
vendor site · Shopify16 answers · 18 citations · 10 models
vendor site · Hokodo16 answers · 17 citations · 11 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.
36 answers · 12 models
33 answers · 11 models
32 answers · 12 models
21 answers · 10 models
21 answers · 11 models
18 answers · 9 models
18 answers · 11 models
16 answers · 8 models
15 answers · 10 models
14 answers · 8 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 “b2b bnpl and net terms providers”, “b2b buy now pay later provider”. 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 |
|---|---|---|---|---|---|---|---|---|
| Resolve resolvepay.com Resolve Pay 56% | 56% | 179 | 480 | 60 | 11,436 company | $316 | 6 | 1 |
| Credit Key creditkey.com | 14% | 74 | 3,600 | 661 | 2,569 | 5 | ||
| Billie billie.io | 5% | 71 | 40,500 | 386,430 | 333 | |||
| Slope slopepay.com | 5% | 48 | 823,000 | 94,028 | 1,184 | |||
| Mondu mondu.ai | 2% | 76 | 880 | 8 | 1,295 | 9 | ||
| Balance getbalance.com | 2% | 75 | 135,000 | 530,217 | 1,277 | 2 | ||
| Fundbox fundbox.com | 2% | 34 | 12,100 | 156 | 19,441 | |||
| Melio melio.com | 2% | 277 | 33,100 | 492 | 36,039 | $1,429 | 60 | |
| Ratio ratiotech.com Ratio Boost 2%, Ratio 0% | 2% | 11 | 60,500 | 296,116 | 870 | $217 | 22 | |
| FuturePay | 2% |
Google's top ten for the two searches hold 15 sites; 3 of them are among the sites the models cited here (mondu.ai, resolvepay.com, shopify.com). The first result for “b2b bnpl and net terms providers” is resolvepay.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 B2B buy now pay later provider for a mid-market B2B company?”Paraphrase“Which net terms financing for B2B sales would you recommend to a mid-sized B2B company?”Comparative“What are the top B2B BNPL and net terms providers and how do they differ?”Budget-constrained“What is the best B2B buy now pay later provider for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a B2B buy now pay later provider. What should we look at?”Negative“Which B2B BNPL and net terms providers should I avoid or be cautious about?”
Claude Haiku 4.5Resolve Payno first choiceChangedno first choiceagainst: Klarna, Resolve PayResolve Payno first choiceagainst: Hokodo
Four alternatives
Billie, Hokodo, Mondu, TreviPayThree alternatives
Billie, Hokodo, KriyaTwo alternatives
Credit Key, MonduGPT-5.4 miniResolve Payno first choiceChangedResolve Pay, TreviPayMeliono first choiceagainst: Affirm, Comfi
Three alternatives
Billtrust, Invoiced, TreviPayFive alternatives
Balance, Billie, Credit Key, Fundbox, MonduOne alternative
BILLGemini 3.5 FlashResolve PayResolve PayHeldno first choiceagainst: Hokodo, SprinqueiwocaPayno first choiceagainst: Grainger, Hokodo, Quill, Sprinque, Uline
Five alternatives
Balance, Hokodo, Mondu, Slope, TreviPayFour alternatives
Balance, Credit Key, Slope, TreviPayEight alternatives
Affirm, Balance, Billie, Mondu, Resolve Pay, Slope, TreviPay, TwoFour alternatives
Billie, Credit Key, MonduCard, Resolve PayPerplexity SonarCredit Keyagainst: Affirm, Afterpay, Klarna, Zipno first choiceChangedCredit Key, Resolve Pay, Twoagainst: Tabby, TamaraCredit Keyagainst: Afterpay, Klarnano first choicenothing named
Two alternatives
Billie, HokodoSix alternatives
Behalf, Billie, Fundbox, Hokodo, Mondu, TreviPayOne alternative
AffirmGrok 4.1 FastCredit Key, Resolve PayCredit Key, Resolve PayHeldResolve PayResolve Pay, Slopeagainst: Affirm, Klarnano first choiceagainst: Biz2Credit, Comfi Payments, PayPal, TreviPay
Three alternatives
Billie, Mondu, TreviPayOne alternative
Capchase PayFive alternatives
Balance, Hokodo, Mondu, TreviPay, TwoThree alternatives
Credit Key, Fundbox, RatioMistral SmallBillie, Monduno first choiceChangedno first choiceBalance, Resolve Payno first choiceagainst: Affirm, Afterpay, Klarna, Sezzle, Zip
Three alternatives
Fundbox, Resolve Pay, TwoTen alternatives
Apruve, Bluevine, C2FO, FundThrough, Fundbox, Kabbage, Lendio, Resolve Pay, Riviera Finance, altLINETwo alternatives
Hokodo, MonduDeepSeek V4 FlashResolve PayResolve PayHeldagainst: TreviPayResolve Payagainst: HokodoResolve Payagainst: Affirm, Klarna, Sezzleno first choiceagainst: Billie, Mondu, Resolve Pay, Slope
Five alternatives
Balance, Credit Key, Mondu, Slope, TreviPayOne alternative
SlopeSeven alternatives
Balance, Billie, Credit Key, Mondu, Slope, Terms.Tech, TreviPayTwo alternatives
Melio, ZipLlama 4 Maverickno first choiceResolve PayChangedno first choiceno first choiceno first choicenothing named
One alternative
Credit KeyQwen 3.7 FlashFundbox, Resolve Payno first choiceChangedApruve, Resolve PayFuturePayno first choiceagainst: Behalf, BizPay, Hokodo, Sprinque
Three alternatives
Balance, Credit Key, TreviPayFive alternatives
Balance, Billie, Fundbox, Stripe, TreviPayThree alternatives
Affirm for Business, PayPal Pay Later, SquareKimi K2Resolve Payagainst: FundboxResolve PayHeldagainst: TreviPayResolve PayRatio Boost, Resolve Payagainst: Affirm, Afterpay, Klarnano first choiceagainst: Behalf, Bill.com, Biz2Credit, BizPay, Hokodo, Sprinque
One alternative
TwoTwo alternatives
Capchase Pay, Credit KeySeven alternatives
Balance, Billie, FundThrough, Mondu, Ratio Boost, TreviPay, VartanaTwo alternatives
Balance, SlopeGLM 4.7 FlashXBillie, Credit Keyno first choiceChangedCredit KeySlopeno first choiceagainst: Affirm, Afterpay, Capchase Pay, Klarna, Sezzle
Two alternatives
Resolve Pay, TreviPayTen alternatives
Bluevine, C2FO Working Capital, Capchase Pay, Fundbox, PrimeRevenue, Resolve Pay, Slope, Stripe Capital, TradeCred, TwoOne alternative
Resolve PayMiniMax M2.5Resolve PayResolve PayHeldno first choiceCredit Key, Resolve Payno first choiceagainst: Behalf, BizPay, Bluevine, Greensill Capital, Laybuy, Openpay, Sprintque, ZestMoney
Four alternatives
Balance, Billie, Mondu, TreviPayOne alternative
KlarnaGPT-6 LunaResolve PayResolve PayHeldResolve PayAffirm through QuickBooks Paymentsagainst: Resolve Payno first choiceagainst: Hokodo
Two alternatives
Credit Key, TreviPayTwo alternatives
Credit Key, TreviPayFive alternatives
Billie, Credit Key, Mondu, Slope, TreviPayOne alternative
BackdPaymentsMuse Glimmer 30BResolve Payno first choiceChangedResolve PayResolve Pay, Splititno first choiceagainst: Affirm, Billie, Fundbox, Klarna, Resolve Pay
Four alternatives
Billie, Mondu, TreviPay, UnzerOne alternative
Resolve PaySeven alternatives
Balance, Credit Key, Hokodo, Mondu, Playter, Slope, TreviPayBold 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. Full answer text is in the free responses file. Download the record
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 | 2026-10-04 22:39 | yes | 10 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:17 | yes | 3 | 4 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 23:13 | yes | 12 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 23:14 | yes | 20 | 5 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:14 | yes | 20 | 11 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 23:11 | yes | 12 | 9 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 23:02 | yes | 23 | 39 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:20 | yes | 5 | 4 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:17 | yes | 12 | 31 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:24 | yes | 16 | 41 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:58 | yes | 21 | 66 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:20 | yes | 14 | 26 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:20 | yes | 4 | 23 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 23:02 | yes | 25 | 30 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:51 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:14 | yes | 0 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:51 | yes | 17 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 23:13 | yes | 18 | 4 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:12 | yes | 14 | 6 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:23 | no | 0 | 6 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 23:16 | yes | 24 | 40 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:34 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:28 | yes | 10 | 19 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:49 | yes | 17 | 19 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:50 | yes | 14 | 22 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:58 | yes | 15 | 57 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:54 | yes | 3 | 14 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:28 | yes | 13 | 28 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:30 | yes | 16 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:30 | yes | 13 | 15 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:14 | yes | 16 | 33 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 22:52 | yes | 20 | 6 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:55 | yes | 24 | 12 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:58 | yes | 10 | 10 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:39 | yes | 21 | 47 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:11 | yes | 5 | 4 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:49 | yes | 18 | 44 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 23:19 | yes | 23 | 31 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:38 | yes | 21 | 84 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 23:25 | yes | 11 | 30 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 23:09 | yes | 6 | 31 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:27 | yes | 23 | 38 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:46 | yes | 16 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:03 | yes | 3 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 23:25 | yes | 13 | 22 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 23:18 | yes | 20 | 4 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:15 | yes | 21 | 13 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 23:16 | yes | 13 | 10 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:20 | yes | 20 | 31 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:49 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:27 | yes | 11 | 64 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:49 | yes | 22 | 27 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:59 | yes | 23 | 33 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:23 | yes | 16 | 39 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 23:05 | yes | 3 | 14 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 23:02 | yes | 19 | 30 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 23:08 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:17 | no | 0 | 6 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:50 | yes | 14 | 31 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 23:26 | yes | 19 | 5 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:17 | yes | 10 | 11 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:18 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:38 | yes | 19 | 35 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:33 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 23:12 | no | 0 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:23 | yes | 12 | 22 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 23:26 | yes | 23 | 81 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 23:03 | yes | 5 | 38 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:34 | yes | 3 | 20 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 23:26 | yes | 13 | 20 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 23:05 | yes | 18 | 12 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:06 | yes | 3 | 4 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 23:08 | yes | 9 | 28 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 22:40 | yes | 20 | 6 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 23:02 | yes | 24 | 12 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:37 | yes | 10 | 8 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 23:16 | yes | 23 | 44 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 23:26 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 23:21 | yes | 9 | 45 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:50 | yes | 25 | 26 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:58 | yes | 23 | 55 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 23:06 | yes | 23 | 26 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:52 | yes | 1 | 27 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:17 | yes | 24 | 30 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
ShowHide
Category-scoped readings
Capchase read as Capchase Pay
Resolve read as Resolve Pay
Resolve (now part of Affirm) read as Resolve Pay
Unresolved, counted raw
Affirm for Business
Affirm through QuickBooks Payments
Amazon
Billd
C2FO Working Capital
Comfi
Comfi Payments (Comfi.app / Comfi.ai)
Fairbanc
Klarna B2B
Lendio
MonduCard
Onda
Provenox
RollingFunds
Sprintque
Tabby
Tamara
Tillr
Uplift
Velocity
Discontinued, still offered
No shut-down product was recommended here.
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