Cash application
Asked as “cash application software”, and as “payment matching automation”, on behalf of a mid-market B2B company. 44 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
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.
01The standing
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. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
Show the three products at 0%, ordered by negative rate
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its vendor page.
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 →
01
02
03
04
05
06
07
08
09
10Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01HighRadius16%
HighRadius16%02Versapay11%
Versapay11%03Upflow9%
Upflow9%04Lunos7%
Lunos7%05Esker7%
Esker7%06Quadient Accounts Receivable5%
Quadient Accounts Receivable5%07Gaviti2%
Gaviti2%08Serrala0%
Serrala0%09BlackLine Cash Application0%
BlackLine Cash Application0%10Billtrust0%
Billtrust0%02What they warned about
One of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX and MiniMax M2.5 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.
HighRadius40%
18 of 45 labels negative · 11 of 12 models · 3 hard negative
“**Avoid** the usual enterprise leaders like **HighRadius**, **Billtrust**, and **Esker** if budget is the main constraint” Perplexity Sonar, budget prompt
Billtrust34%
12 of 35 labels negative · 8 of 12 models · 3 hard negative
“**Avoid** the usual enterprise leaders like **HighRadius**, **Billtrust**, and **Esker**” Perplexity Sonar, budget prompt
Esker27%
6 of 22 labels negative · 5 of 12 models · 2 hard negative
“**Avoid** the usual enterprise leaders like **HighRadius**, **Billtrust**, and **Esker**” Perplexity Sonar, budget prompt
BlackLine Cash Application25%
5 of 20 labels negative · 4 of 12 models
“Enterprise-level tools like HighRadius or BlackLine often require significant implementation and configuration effort.” Mistral Small, negative prompt
03What they cite
Citations exist only for the models that return a source list: twelve of the twelve in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
64 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 5 of those lists are Google grounding redirects that name no site and are left out of the counts. 825 links across 179 sites, every framing counted. Ranked by the number of answers carrying the site or page.
vendor site · HighRadius42 answers · 59 citations · 11 models
vendor site · Lunos34 answers · 43 citations · 10 models
vendor site · Rex26 answers · 27 citations · 8 models
vendor site · Cashbook26 answers · 26 citations · 10 models
vendor site · Upflow26 answers · 26 citations · 9 models
21 answers · 28 citations · 9 models
vendor site · Stuut20 answers · 28 citations · 8 models
18 answers · 26 citations · 9 models
vendor site · Bluecopa18 answers · 19 citations · 10 models
vendor site · Ledge18 answers · 18 citations · 8 models
vendor site · Versapay17 answers · 22 citations · 10 models
vendor site · Transformance15 answers · 27 citations · 8 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 · 10 models
30 answers · 10 models
26 answers · 8 models
25 answers · 9 models
24 answers · 10 models
18 answers · 7 models
17 answers · 10 models
16 answers · 9 models
15 answers · 8 models
14 answers · 8 models
04How 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.
ModelDirect“What is the best cash application software for a mid-market B2B company?”Paraphrase“Which payment matching automation would you recommend to a mid-sized B2B company?”Comparative“What are the top cash application tools and how do they differ?”Budget-constrained“What is the best cash application software for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a cash application software. What should we look at?”Negative“Which cash application tools should I avoid or be cautious about?”
Claude Haiku 4.5Versapayno first choiceChangedTransformance ClearMatchagainst: SerralaWaveagainst: Billtrust, HighRadiusno first choicenothing named
Four alternatives
Billtrust, Paystand, Quadient Accounts Receivable, UpflowTwo alternatives
BlackLine Cash Application, LunosTwo alternatives
FreshBooks, QuickBooks OnlineGPT-5.4 miniHighRadiusVersapayChangedno first choiceBILLagainst: Emagia, HighRadiusno first choicenothing named
Two alternatives
BlackLine Cash Application, SidetradeTwo alternatives
Billtrust, HighRadiusOne alternative
Due.comGemini 3.5 FlashQuadient Accounts Receivableagainst: Billtrust, HighRadiusQuadient Accounts ReceivableHeldBlackLine Cash Application, HighRadiusagainst: SerralaAccountsReceivable.ai, RemitClear, Upflowagainst: Billtrust, BlackLine Cash Application, Esker, HighRadiusno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadiusagainst: Cash App, PayPal, Venmo, Zelle
Four alternatives
Stuut, Tesorio, Upflow, VersapayFive alternatives
HighRadius, Monk, Stuut, Upflow, VersapayFour alternatives
Billtrust, Cashbook, Esker, VersapayFive alternatives
BILL, Chaser, Quadient Accounts Receivable, QuickBooks Online, XeroThree alternatives
Chaser, Quadient Accounts Receivable, VersapayPerplexity SonarHighRadiusNexus APChangedno first choiceGaviti, QuickBooks Paymentsagainst: Billtrust, Esker, HighRadiusno first choicenothing named
Three alternatives
Billtrust, Kolleno, UpflowFour alternatives
Adra, AvidXchange, HighRadius, TipaltiGrok 4.1 FastEskerVersapayChangedagainst: HighRadiusHighRadiusWaveagainst: Billtrust, HighRadiusno first choiceagainst: Billtrust, BlackLine Cash Application, Cash App, Dave, EarnIn, HighRadius
Four alternatives
Billtrust, Gaviti, HighRadius, Quadient Accounts ReceivableThree alternatives
Billtrust, Gaviti, Quadient Accounts ReceivableFive alternatives
Billtrust, BlackLine Cash Application, Cashbook, Gaviti, SerralaTwo alternatives
QuickBooks Online, Zoho BooksSix alternatives
Billtrust, Bluecopa, HighRadius, SINGOA, Stuut, VersapayMistral SmallUpflowAvidXchange, Nexus APChangedHighRadiusQuickBooks Paymentsno first choiceagainst: Billtrust, BlackLine Cash Application, HighRadius
Three alternatives
Bluecopa, Cashbook, ChaserThree alternatives
BILL, Loopfour, PaystandEight alternatives
Billtrust, BlackLine Cash Application, Esker, Gaviti, Rex, Serrala, Upflow, VersapayTwo alternatives
Wave, Zoho BooksDeepSeek V4 FlashEsker, HighRadiusLunos, VersapayChangedagainst: Gaviti, HighRadiusHighRadiusLunosagainst: Billtrust, Esker, HighRadius, Versapayno first choiceagainst: Automation Anywhere, Billtrust, HighRadius, Oracle AR, SAP FSCM, UiPath, Versapay
Three alternatives
Gaviti, Monk, VersapaySeven alternatives
Billtrust, BlackLine Cash Application, Esker, Rex, Serrala, Tipalti, VersapayTwo alternatives
Gaviti, MonkLlama 4 MaverickUpflowno first choiceChangedHighRadiusQuickBooks Paymentsagainst: Billtrust, Esker, HighRadiusno first choicenothing named
Four alternatives
Bluecopa, Cashbook, Chaser, LunosThree alternatives
Billtrust, Esker, SerralaQwen 3.7 FlashHighRadiusagainst: KofaxBILLChangedagainst: SAP AribaHighRadius, SerralaLunosagainst: HighRadius, SAP Aribano first choiceagainst: Billtrust, Esker, HighRadius, Versapay
Three alternatives
AtoBi, BlackLine Cash Application, TrintechTwo alternatives
Kounture, TipaltiEight alternatives
Billtrust, BlackLine Cash Application, Esker, Ledge, LedgerUp, Lunos, Rex, VersapayThree alternatives
Gaviti, QuickBooks Payments / QBO Advanced, VersapayKimi K2HighRadiusTipaltiChangedagainst: HighRadiusHighRadiusQuickBooks Online, QuickBooks Paymentsno first choicenothing named
Three alternatives
Billtrust, Chaser, VersapayTwo alternatives
BILL, StampliSix alternatives
Billtrust, Cashbook, Esker, Lunos, Serrala, TesorioFour alternatives
Lunos, Melio, Wave, Zoho BooksGLM 4.7 FlashXEsker, Kollenoagainst: HighRadiusHighRadius, VersapayChangedHighRadiusWave, Zoho Booksno first choiceagainst: BlackLine Cash Application, Cash App, Cashbook, NetSuite Cash Application, Stripe
Eight alternatives
Chaser, Gaviti, Monk, Quadient Accounts Receivable, Serrala, Stuut, Transparency / Transformance, VersapayThree alternatives
Billtrust, Loopfour, StuutFour alternatives
Billtrust, BlackLine Cash Application, Esker, SerralaOne alternative
PlootoMiniMax M2.5HighRadiusUpflowChangedno first choiceQuickBooks Paymentsagainst: Gavitino first choicenothing named
One alternative
MonkThree alternatives
Billtrust, HighRadius, VersapayOne alternative
WaveBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
05The 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
Seventy-two 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 | 2026-09-17 20:10 | yes | 9 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 18:10 | yes | 3 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 21:17 | yes | 23 | 61 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-09-17 18:03 | yes | 20 | 7 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 20:28 | yes | 30 | 17 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 20:31 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 20:50 | yes | 9 | 12 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:25 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 20:09 | no | 0 | 67 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 18:10 | yes | 9 | 25 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 20:10 | yes | 20 | 171 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:22 | yes | 13 | 25 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 18:00 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 21:00 | yes | 3 | 7 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 19:17 | yes | 16 | 21 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-09-17 18:33 | yes | 20 | 7 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 19:36 | yes | 31 | 14 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 19:47 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-09-17 18:14 | yes | 23 | 63 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:56 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 20:26 | no | 0 | 30 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 18:09 | yes | 20 | 26 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 19:11 | yes | 20 | 38 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 19:45 | yes | 8 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 19:06 | yes | 9 | 11 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 19:18 | yes | 3 | 7 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 19:05 | yes | 9 | 20 s |
| Comparative | Perplexity Sonar | sonar | 2026-09-17 19:03 | yes | 12 | 9 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 18:08 | yes | 23 | 15 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 18:02 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 20:00 | yes | 15 | 21 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 20:15 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 19:29 | yes | 5 | 30 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 21:08 | yes | 11 | 59 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 18:43 | yes | 22 | 120 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:56 | yes | 24 | 22 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 19:22 | yes | 18 | 10 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 18:15 | yes | 3 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 21:53 | yes | 24 | 49 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-09-17 19:33 | yes | 20 | 5 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 19:22 | yes | 36 | 21 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 19:51 | yes | 5 | 4 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 19:06 | yes | 22 | 23 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:09 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 19:12 | yes | 10 | 45 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 18:02 | yes | 15 | 26 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 20:05 | yes | 14 | 46 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:20 | yes | 15 | 30 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 20:15 | no | 0 | 7 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 18:14 | no | 0 | 7 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 19:23 | no | 0 | 16 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-09-17 18:24 | yes | 20 | 10 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 20:34 | yes | 14 | 11 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 19:04 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 21:00 | yes | 10 | 26 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:53 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 20:34 | no | 0 | 26 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 19:23 | yes | 9 | 55 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 19:39 | yes | 12 | 41 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:30 | yes | 5 | 12 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 18:15 | yes | 19 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 20:49 | yes | 3 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 18:30 | yes | 18 | 25 s |
| Negative framing | Perplexity Sonar | sonar | 2026-09-17 18:54 | yes | 20 | 7 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 18:44 | yes | 39 | 15 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 20:08 | yes | 5 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-09-17 20:53 | yes | 24 | 102 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 18:52 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 18:46 | yes | 35 | 71 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 19:19 | yes | 15 | 44 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 19:21 | yes | 20 | 185 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:16 | yes | 10 | 26 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
Category-scoped readings
BILL AP/AR read as BILL
Bill.com read as BILL
BlackLine read as BlackLine Cash Application
Lunos AI read as Lunos
Quadient read as Quadient Accounts Receivable
Quadient AR read as Quadient Accounts Receivable
Quadient AR (Formerly YayPay) read as Quadient Accounts Receivable
Quadient AR (formerly YayPay) read as Quadient Accounts Receivable
Transformance read as Transformance ClearMatch
Unresolved, counted raw
AtoBi
AutoRek / Gresham Technologies
Chime MyPay
Codat
Dave
Dovetail (now Payflow)
Due.com
EarnIn
JPMorgan Payments
Kounture
NetSuite Cash Application
Oracle AR
QuickBooks Payments / QBO Advanced
Tellermate / Volumatic Insight
Transparency / Transformance
Uptown
Varo Advance
inxeption
Discontinued, still offered
No shut-down product was recommended here.