# Melio vs BILL: which do AI models recommend for B2B payment acceptance, September 2026

Finance AI Recommendation Index, September 2026 Edition, B2B payment acceptance. Zero of twelve models named Melio first on the direct prompt; one named BILL. Page: https://finance-ai-index.com/receivables/b2b-payment-acceptance/melio-vs-bill/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Melio | 9% | #5 of 13 | 22% | 18 | 11 of 12 |
| BILL | 4% | #7 of 13 | 17% | 30 | 12 of 12 |

## The direct prompt, model by model

- Kimi K2: bill first (first choices: BILL, EBizCharge) (alternatives: Paystand, Stripe)
- Claude Haiku 4.5: neither first, one named (alternatives: AvidXchange, BILL, MineralTree, Tipalti, Versapay)
- GPT-5.4 mini: neither named (first choices: EBizCharge) (alternatives: Adyen, Checkout.com, Paymode)
- Gemini 3.5 Flash: neither named (first choices: EBizCharge) (alternatives: Paystand, Resolve Pay, Versapay)
- Perplexity Sonar: neither named (first choices: EBizCharge) (alternatives: HighRadius, Paystand, Worldpay)
- Grok 4.1 Fast: neither named (first choices: Stripe) (alternatives: Billtrust, EBizCharge, HighRadius, Versapay)
- Mistral Small: neither named (first choices: EBizCharge) (alternatives: Helcim, HighRadius, Plooto)
- DeepSeek V4 Flash: neither named (first choices: HighRadius, Versapay) (alternatives: Helcim, Paystand, Stripe, Tipalti)
- Llama 4 Maverick: neither named (first choices: HighRadius) (alternatives: EBizCharge, Worldpay)
- Qwen 3.7 Flash: neither named (first choices: Versapay) (alternatives: EBizCharge, Paystand)
- GLM 4.7 FlashX: neither named (first choices: EBizCharge) (alternatives: Plooto, Stripe, Worldpay)
- MiniMax M2.5: neither named (first choices: EBizCharge, Helcim) (alternatives: Adyen, Plooto, Stripe, Tipalti)

## What the models said about Melio

- "Melio has received feedback about payment holds, account suspensions, and slow customer support" (Mistral Small, negative prompt, soft negative)
- "While popular for its free tier and clean interface, operational friction is common" (Kimi K2, negative prompt, soft negative)
- "Limitations: Less robust ERP integrations compared to BILL" (Kimi K2, direct prompt, soft negative)

## What the models said about BILL

- "Platforms to Approach with High Caution or Avoid ... Bill.com: ... the unexpected holding of funds or delays in payouts" (Qwen 3.7 Flash, negative prompt, hard negative)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all twelve models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.