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

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

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Versapay | 17% | #2 of 13 | 0% | 16 | 11 of 12 |
| BILL | 4% | #7 of 13 | 17% | 30 | 12 of 12 |

## The direct prompt, model by model

- DeepSeek V4 Flash: versapay first (first choices: HighRadius, Versapay) (alternatives: Helcim, Paystand, Stripe, Tipalti)
- Qwen 3.7 Flash: versapay first (first choices: Versapay) (alternatives: EBizCharge, Paystand)
- 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)
- Gemini 3.5 Flash: neither first, one named (first choices: EBizCharge) (alternatives: Paystand, Resolve Pay, Versapay)
- Grok 4.1 Fast: neither first, one named (first choices: Stripe) (alternatives: Billtrust, EBizCharge, HighRadius, Versapay)
- GPT-5.4 mini: neither named (first choices: EBizCharge) (alternatives: Adyen, Checkout.com, Paymode)
- Perplexity Sonar: neither named (first choices: EBizCharge) (alternatives: HighRadius, Paystand, Worldpay)
- Mistral Small: neither named (first choices: EBizCharge) (alternatives: Helcim, HighRadius, Plooto)
- Llama 4 Maverick: neither named (first choices: HighRadius) (alternatives: EBizCharge, Worldpay)
- 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 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.