B2B payment acceptance for small business buyers
Asked as “B2B payment acceptance platform”, and as “accounts receivable payment portal”, on behalf of a small B2B company. 42 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
31%
Contested · Melio 21%
31Helcim21Melio14Bill36033others
31% of first choices, contested.
Since September 2026▼−7Since September 2026: 35% → 28%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Helcim held the lead, −7 points on 35%, inside the 10-point 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
Helcim31%Contested▼−7Since September 2026: 35% → 28%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageMid-market
Versapay19%Contested↗new leaderNew leader since September 2026: Versapay (15%) replaces Helcim (17% then, 12% now), 2 points clear, inside the 10-point floor.Standing →Enterprise
HighRadius25%Contested▲+1Since September 2026: 28% → 29%, +1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →
Helcim31%Contested▼−7Since September 2026: 35% → 28%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageMid-marketVersapay19%Contested↗new leaderNew leader since September 2026: Versapay (15%) replaces Helcim (17% then, 12% now), 2 points clear, inside the 10-point floor.Standing →EnterpriseHighRadius25%Contested▲+1Since September 2026: 28% → 29%, +1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.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 September 2026
01Helcim31%0%28endorsed leader▼−7Since September 2026: 35% → 28%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.35% → 28%
Helcim31%0%28endorsed leader▼−7Since September 2026: 35% → 28%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.35% → 28%02
Melio21%11%35accepted challenger▲+11Since September 2026: 14% → 25%, +11 points. Past the 10-point floor: movement. Read over the models both editions asked.14% → 25%
Melio21%11%35accepted challenger▲+11Since September 2026: 14% → 25%, +11 points. Past the 10-point floor: movement. Read over the models both editions asked.14% → 25%03
Stripe12%13%54accepted challenger▲+4Since September 2026: 7% → 11%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 11%
Stripe12%13%54accepted challenger▲+4Since September 2026: 7% → 11%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 11%04
BILL Accounts Receivable10%16%50accepted challenger▼−3Since September 2026: 12% → 8%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.12% → 8%
BILL Accounts Receivable10%16%50accepted challenger▼−3Since September 2026: 12% → 8%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.12% → 8%05
QuickBooks Payments2%19%27accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
QuickBooks Payments2%19%27accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%06
Nickel2%0%12accepted challenger▼−7Since September 2026: 9% → 3%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.9% → 3%
Nickel2%0%12accepted challenger▼−7Since September 2026: 9% → 3%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.9% → 3%Show the three products at 0%, ordered by negative rate
09
PayPal0%45%33criticized challenger▼−5Since September 2026: 5% → 0%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 0%
PayPal0%45%33criticized challenger▼−5Since September 2026: 5% → 0%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 0%08
Square0%45%20criticized challenger▼−5Since September 2026: 5% → 0%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 0%
Square0%45%20criticized challenger▼−5Since September 2026: 5% → 0%, −5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 0%07
Wise Business0%0%14accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Wise Business0%0%14accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%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.
All twenty-eight head-to-head pages: the top eight products, each against each
Versapay vs BilltrustVersapay vs MelioVersapay vs MineralTreeVersapay vs TipaltiHelcim vs StripeHelcim vs BILL Accounts ReceivableHelcim vs BilltrustHelcim vs MelioHelcim vs MineralTreeHelcim vs TipaltiStripe vs BILL Accounts ReceivableStripe vs BilltrustStripe vs MelioStripe vs MineralTreeStripe vs TipaltiBILL Accounts Receivable vs BilltrustBILL Accounts Receivable vs MelioBILL Accounts Receivable vs MineralTreeBILL Accounts Receivable vs TipaltiBilltrust vs MelioBilltrust vs MineralTreeBilltrust vs TipaltiMelio vs MineralTreeMelio vs TipaltiMineralTree vs Tipalti
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 →
010203040506070809Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Helcim31%
Helcim31%02Melio21%
Melio21%03Stripe12%
Stripe12%04BILL Accounts Receivable10%
BILL Accounts Receivable10%05QuickBooks Payments2%
QuickBooks Payments2%06Nickel2%
Nickel2%07Wise Business0%
Wise Business0%08Square0%
Square0%09PayPal0%
PayPal0%What they warned about
One of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna 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.
PayPal45%
15 of 33 labels negative · 11 of 14 models · 4 hard negative
“"avoid generalists like PayPal for complex invoicing" ... "I personally would just boot PayPal all together if it was my business"” Muse Glimmer 30B, negative prompt
BILL Accounts Receivable16%
8 of 50 labels negative · 8 of 14 models
“it may lack advanced features needed by larger businesses, and transaction fees can add up for high-volume businesses” Llama 4 Maverick, negative prompt
Square45%
9 of 20 labels negative · 7 of 14 models
“Platforms optimized for B2C (e.g., Venmo Business, Square for low-volume) often charge more for ACH/wires/invoicing.” Grok 4.1 Fast, negative prompt
Stripe13%
7 of 54 labels negative · 6 of 14 models · 1 hard negative
“"its flat rates cost more on high-value B2B transactions. Avoid if cards dominate."” Muse Glimmer 30B, 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
78 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. 1034 links across 234 sites, every framing counted. Ranked by the number of answers carrying the site or page. 20 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.
46 answers · 57 citations · 11 models
vendor site · G232 answers · 34 citations · 11 models
vendor site · Stripe27 answers · 35 citations · 11 models
24 answers · 25 citations · 10 models
22 answers · 25 citations · 11 models
vendor site · HighRadius22 answers · 24 citations · 12 models
19 answers · 19 citations · 9 models
vendor site · G218 answers · 22 citations · 11 models
16 answers · 17 citations · 8 models
vendor site · Ramp15 answers · 17 citations · 9 models
vendor site · Rho15 answers · 15 citations · 10 models
15 answers · 15 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.
45 answers · 11 models
25 answers · 10 models
19 answers · 10 models
19 answers · 9 models
17 answers · 8 models
16 answers · 10 models
15 answers · 9 models
14 answers · 10 models
13 answers · 8 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 “b2b payment acceptance platform”, “b2b payment platforms”, “best b2b payment acceptance platform”. 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 |
|---|---|---|---|---|---|---|---|---|
| Helcim helcim.com | 31% | 77 | 12,100 | 143 | 52,527 | 28 | ||
| Melio melio.com | 21% | 277 | 33,100 | 492 | 36,039 | $1,429 | 60 | |
| Bill360 bill360.com | 14% | 15 | 720 | 4 | 599 | 0 | ||
| Stripe stripe.com | 12% | 361 | 823,000 | 102,741 | 3,226,782 | $3,621 | 102 | 2 |
| BILL bill.com BILL Accounts Receivable 10%, BILL AP/AR 2% | 12% | 217 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | |
| QuickBooks parent site QuickBooks Payments 2% | 2% | 59 | 1,000,000 | 54,681 | ||||
| Nickel nickel.com | 2% | 26 | 110,000 | 62,180 | 29,555 | $1,033 | 7 | |
| Stripe parent site Stripe Invoicing 2% | 2% | 40 | 823,000 | 102,741 | ||||
| GoBatch | 2% | |||||||
| Wise Business wise.com | 0% | 292 | 1,900 | 167 | 158,520,306 | $81 | 78 |
Google's top ten for the three searches hold 22 sites; 3 of them are among the sites the models cited here (fitsmallbusiness.com, highradius.com, stripe.com). The first result for “b2b payment acceptance platform” is paytrace.net.
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 payment acceptance platform for a small B2B company?”Paraphrase“Which accounts receivable payment portal would you recommend to a small business that sells to other businesses?”Comparative“What are the top B2B payment platforms for a small team and how do they differ?”Budget-constrained“What is the best B2B payment acceptance platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a B2B payment acceptance platform. What should we look at?”Negative“Which B2B payment platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5no first choiceagainst: SquareBILL Accounts ReceivableChangedBILL Accounts ReceivableMeliono first choiceagainst: BlueSnap, Braintree, Oculus/PrismPay, PayPal, Payza, Stripe, eMerchantBroker
Three alternatives
Nickel, Versapay, XeroFive alternatives
Helcim, PayPal, Square, Stripe, Wise BusinessThree alternatives
PayPal, QuickBooks GoPayment, StripeGPT-5.4 miniBILL Accounts ReceivableStripe InvoicingChangedBILL Accounts Receivableagainst: TipaltiStripeno first choiceagainst: AvidXchange, Bankful, Bottomline, ExpertPay, Heartland, Maverick Payments, QuickBooks Payments, SpotOn, Stax
Two alternatives
Melio, StripeOne alternative
BILL Accounts ReceivableOne alternative
AirwallexTwo alternatives
BILL Accounts Receivable, PayPalGemini 3.5 FlashMelioagainst: QuickBooks Payments, StripeBill360ChangedMelioNickelagainst: PayPalno first choiceagainst: BILL Accounts Receivable, Cash App, PayPal, Payoneer, Personal Venmo, Plastiq, Stripe, Zelle
Four alternatives
EBizCharge, Helcim, Nickel, Resolve PayThree alternatives
BILL Accounts Receivable, Chaser, PlootoFour alternatives
BILL Accounts Receivable, Plooto, Ramp, Wise BusinessFour alternatives
GoCardless, Helcim, Melio, StripeFive alternatives
BILL Accounts Receivable, Melio, Paystand, Ramp, StripePerplexity SonarStripeBILL AP/ARChangedno first choiceStripeagainst: PayPalno first choiceagainst: PayPal, Venmo for Business
Four alternatives
BILL Accounts Receivable, HubSpot Payments, Nickel, PayPalTwo alternatives
Monk, NickelSix alternatives
BILL Accounts Receivable, GoCardless, Melio, PayPal, QuickBooks Payments, StripeOne alternative
MelioGrok 4.1 FastMelioagainst: PayPal, SquareBILL Accounts ReceivableChangedagainst: Square InvoicesHelcim, MelioMelioagainst: BILL Accounts Receivableno first choiceagainst: Braintree, Evergreen Payment Solutions, Kurv, Leaders Merchant Services, PayPal, Square, Venmo for Business, WePay, Worldpay
Two alternatives
BILL Accounts Receivable, StripeTwo alternatives
QuickBooks Payments, Stripe BillingFour alternatives
Authorize.net, BILL Accounts Receivable, PaymentCloud, StripeTwo alternatives
Square, StripeMistral SmallHelcimBill360ChangedBILL Accounts Receivable, QuickBooks PaymentsHelcim, Meliono first choicenothing named
One alternative
StripeThree alternatives
BILL Accounts Receivable, Monk, NickelThree alternatives
Airwallex, Tipalti, Wise BusinessOne alternative
SquareDeepSeek V4 FlashHelcimBill360ChangedBILL Accounts Receivable, StripeHelcimagainst: Squareno first choiceagainst: Authorize.net, QuickBooks Paymentsagainst: BILL Accounts Receivable, Global Payments Inc., Melio, PayPal, Square
Two alternatives
QuickBooks Payments, StripeThree alternatives
BILL Accounts Receivable, Chaser, InvoicedThree alternatives
Melio, QuickBooks Payments, VeemTwo alternatives
Nickel, StripeLlama 4 Maverickno first choiceno first choiceHeldBILL Accounts ReceivableMeliono first choiceagainst: BILL Accounts Receivable, Melio, PayPal
Two alternatives
Nium, QuickBooks PaymentsTwo alternatives
Helcim, NickelQwen 3.7 FlashHelcimBill360Changedagainst: Stripe InvoicingStripeGoBatchno first choiceagainst: QuickBooks Paymentsagainst: Cash App, North.com, PayPal, Payoneer, Square, Stripe, Venmo for Business, Worldpay
Three alternatives
BILL Accounts Receivable, Square, StripeOne alternative
BILL Accounts ReceivableFour alternatives
BILL Accounts Receivable, GoCardless, PayPal, Wise BusinessTwo alternatives
QuickBooks Payments, Stripe InvoicingFive alternatives
Adyen, BILL Accounts Receivable, Dharma, Helcim, StripeKimi K2HelcimMelioChangedagainst: BILL Accounts ReceivableMelioagainst: Braintree, PayPalHelcim, Meliono first choiceagainst: Melio, PayPal, Paystack, Stax
Three alternatives
BILL Accounts Receivable, Melio, StripeTwo alternatives
Bill360, QuickBooks PaymentsFour alternatives
BILL Accounts Receivable, Helcim, Stripe, Wise BusinessFour alternatives
Braintree, PayPal, Square, StripeGLM 4.7 FlashXHelcimagainst: BILL Accounts ReceivableBill360ChangedForwardly, MelioHelcimno first choiceagainst: Authorize.net, Braintree, CardConnect, Global Payments, Heartland Payment Systems, PNC Merchant Services, PayPal Payments, Priority Payment Systems
Two alternatives
QuickBooks Payments, StripeOne alternative
BILL Accounts ReceivableThree alternatives
BILL Accounts Receivable, Stripe, TipaltiThree alternatives
Braintree, QuickBooks Payments, StripeMiniMax M2.5HelcimBill360ChangedStripeMelio, Stripeno first choiceagainst: Adyenagainst: BILL Accounts Receivable, Melio, PayPal, QuickBooks Payments, Square, Stripe
Three alternatives
Melio, Nickel, StripeTwo alternatives
BILL Accounts Receivable, HelcimThree alternatives
BILL Accounts Receivable, Melio, QuickBooks PaymentsThree alternatives
Airwallex, BILL Accounts Receivable, StripeGPT-6 LunaStripeQuickBooks PaymentsChangedStripeagainst: AirwallexHelcimno first choiceagainst: Cash App, PayPal, Square, Stripe, Venmo for Business, Zelle
Two alternatives
Melio, QuickBooks PaymentsTwo alternatives
Melio, Stripe InvoicingTwo alternatives
BILL Accounts Receivable, MelioTwo alternatives
QuickBooks Payments, StripeMuse Glimmer 30BHelcimBILL Accounts ReceivableChangedPayPal, StripeHelcimno first choiceagainst: BILL Accounts Receivable, PayPal, Square, Stax, Stripe
Three alternatives
Melio, QuickBooks Payments, StripeOne alternative
Bill360Three alternatives
BILL Accounts Receivable, Helcim, SquareFour alternatives
BILL Accounts Receivable, Melio, Square, StripeBold 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 | 2026-10-01 08:55 | no | 0 | 4 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:07 | yes | 2 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:50 | yes | 19 | 23 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 11:08 | yes | 16 | 4 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:02 | yes | 23 | 11 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:30 | yes | 5 | 3 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:57 | yes | 21 | 23 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:15 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:15 | yes | 10 | 41 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:17 | yes | 18 | 25 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:36 | yes | 22 | 86 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:19 | yes | 5 | 9 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:10 | yes | 3 | 20 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:03 | yes | 12 | 27 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:26 | yes | 17 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:48 | yes | 2 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:18 | yes | 17 | 19 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 10:46 | yes | 20 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 07:32 | yes | 21 | 10 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:36 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:01 | yes | 22 | 53 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:15 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:37 | yes | 10 | 31 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:50 | yes | 15 | 22 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:11 | yes | 8 | 25 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:22 | yes | 9 | 19 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:45 | yes | 3 | 26 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:46 | yes | 23 | 38 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:26 | yes | 16 | 12 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:14 | yes | 5 | 7 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:00 | yes | 24 | 28 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 09:05 | yes | 18 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:34 | yes | 21 | 13 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:41 | yes | 8 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:01 | yes | 23 | 43 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:17 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:30 | yes | 5 | 18 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:08 | yes | 21 | 35 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:16 | yes | 24 | 213 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:33 | yes | 16 | 31 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:50 | yes | 6 | 14 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:35 | yes | 11 | 29 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:46 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:41 | yes | 3 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:45 | yes | 22 | 26 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 11:13 | yes | 18 | 4 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:05 | yes | 25 | 15 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:40 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:58 | yes | 23 | 31 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:47 | yes | 5 | 1 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:15 | no | 0 | 37 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:20 | yes | 13 | 18 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:05 | yes | 11 | 16 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:48 | no | 0 | 11 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:59 | yes | 3 | 8 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:58 | yes | 14 | 24 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:01 | no | 0 | 5 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:15 | no | 0 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:53 | yes | 12 | 28 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 08:20 | yes | 19 | 6 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:34 | yes | 14 | 8 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:22 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:34 | yes | 18 | 53 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:17 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:26 | yes | 14 | 27 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:34 | yes | 9 | 20 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:08 | yes | 15 | 17 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:30 | yes | 5 | 36 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:43 | yes | 3 | 21 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:35 | yes | 12 | 26 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:04 | yes | 18 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:52 | yes | 1 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:17 | yes | 24 | 24 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 11:14 | yes | 17 | 5 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:00 | yes | 22 | 14 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:03 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:46 | yes | 25 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:02 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:33 | yes | 15 | 42 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:36 | yes | 23 | 23 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:10 | yes | 24 | 46 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:26 | yes | 18 | 29 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:49 | yes | 5 | 25 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:04 | yes | 14 | 23 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
BILL read as BILL Accounts Receivable
BILL (Bill.com) read as BILL Accounts Receivable
BILL (bill.com) read as BILL Accounts Receivable
BILL (formerly Bill.com) read as BILL Accounts Receivable
BILL.com read as BILL Accounts Receivable
Bill (BILL) read as BILL Accounts Receivable
Bill.Com read as BILL Accounts Receivable
Bill.com read as BILL Accounts Receivable
Bill.com (BILL) read as BILL Accounts Receivable
Bill.com (now BILL) read as BILL Accounts Receivable
Bill.com / BILL read as BILL Accounts Receivable
QuickBooks read as QuickBooks Payments
Venmo read as Venmo for Business
Venmo Business read as Venmo for Business
Unresolved, counted raw
ACH (Automated Clearing House)
Bankful
CardConnect
Dharma
Evergreen Payment Solutions
ExpertPay
Global Payments Inc.
GoBatch
Heartland
Heartland Payment Systems
Kurv
Leaders Merchant Services
Maverick Payments
North.com
Oculus/PrismPay
PNC Merchant Services
Personal Venmo
Priority Payment Systems (Priority Technology Holdings)
QuickBooks GoPayment
SpotOn
Traditional bank ACH
WizCommerce
eMerchantBroker
Discontinued, still offered
No shut-down product was recommended here.