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Corporate cards · October 2026 Edition

BILL Spend & Expense vs Corpay

Zero of fourteen models named BILL Spend & Expense first on the direct prompt; four named Corpay. BILL Spend & Expense was named by thirteen of the fourteen models and Corpay by eight and BILL Spend & Expense carries 47 labels and Corpay 11, so the shares are not directly comparable.

BILL Spend & Expense

accepted challenger

Named in six categories this edition.

Corpay

accepted challenger

Named in three categories this edition.

First-choice share19%7%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.

Negative rate4%0%Negative labels as a share of the product's labels, 0 to 100.

Rank in category#2#4A position in a field of 8; printed, not drawn.

Labels4711A count; the two differ.

The two percentage rows are drawn on one 0 to 100 track, BILL Spend & Expense reading right to left. Rank and label count are printed, not drawn.Ramp was named alongside these two in eleven of the fourteen direct answers. Ramp vs BILL Spend & Expense · Ramp vs Corpay · BILL Spend & Expense vs Brex

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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the corporate cards page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.

BILL Spend & ExpenseFirst choices, of fourteen modelsCorpay

Direct04

Paraphrase20

Comparative01

Budget-constrained90

Scale-constrained001 against BILL Spend & Expense

Negative101 against BILL Spend & Expense

Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where BILL Spend & Expense and Corpay stood in it.

Model	Direct	Paraphrase	Comparative	Budget-constrained	Scale-constrained	Negative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.1 Fast
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B

BILL Spend & Expense

Corpay

first choice

named as an alternative

argued againstblank: not namedEach cell is one answer, BILL Spend & Expense on the left and Corpay on the right.

The direct prompt

The plain question, one answer per model, grouped by where BILL Spend & Expense and Corpay stood in it.

Corpay first, BILL Spend & Expense an alternative

4 of 14 modelsBILL Spend & Expense was named in the answer but not as the choice, or not at all.

Perplexity SonarCorpay, Ramp alternatives: BILL Spend & Expense, Navan, U.S. Bank Commercial Rewards Card

GLM 4.7 FlashXAirbase, Corpay alternatives: Airwallex, American Express Business Platinum, Ramp

MiniMax M2.5Corpay alternatives: Airbase, Ramp

Muse Glimmer 30BCorpay alternatives: Airbase, U.S. Bank Commercial Rewards Card

Neither was the first choice, one was named

9 of 14 modelsThe answer put something else first and named one of the two as an alternative.

Claude Haiku 4.5no first choice alternatives: Airbase, BILL Spend & Expense, Ramp, The BILL Divvy Card, Volopay Card

GPT-5.4 miniRamp alternatives: BILL Spend & Expense, Brex, Rippling Finance

Gemini 3.5 FlashRamp alternatives: Airbase, BILL Spend & Expense, Brex

Grok 4.1 FastRamp alternatives: BILL Spend & Expense, Brex, Corpay, Payhawk

Mistral SmallAirbase, Brex alternatives: Corpay, Ramp

DeepSeek V4 FlashRamp, Rippling Spend alternatives: Airbase, BILL Spend & Expense, Brex, U.S. Bank Commercial Rewards Card

Qwen 3.7 FlashU.S. Bank Commercial Rewards Card alternatives: BILL Spend & Expense, Rho, Rippling Spend

Kimi K2Ramp alternatives: Brex, Corpay

GPT-6 LunaRamp alternatives: BILL Spend & Expense, Brex

Neither was named

1 of 14 modelsThe answer made no first choice from these two in this category.

Llama 4 Maverickno first choice

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.

Small business

BILL Spend & Expense leads by ten points.

BILL Spend & Expense#3 of 7

Corpay#– of 7

The full small business standing →

Mid-marketThe figures above

BILL Spend & Expense leads by twelve points.

BILL Spend & Expense#2 of 8

Corpay#4 of 8

The full mid-market standing →

Enterprise

The order flips: Corpay leads at enterprise.

Corpay#4 of 11

BILL Spend & Expense#6 of 11

The full enterprise standing →

What the models said about BILL Spend & Expense

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. One of one in this category shown.

“BILL stands out as the most budget-friendly *corporate card program* because it offers $0/user/month” Perplexity Sonar · budget prompt · first choice

What the models said about Corpay

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.

“The Corpay Mastercard leads for mid-market and enterprise companies that need AP-integrated card payments, managed vendor enrollment, and rebates that scale with spend volume” Muse Glimmer 30B · direct prompt · first choice

“Corpay Mastercard appears to be specifically highlighted as the best for mid-market and enterprise B2B companies” MiniMax M2.5 · direct prompt · first choice

“For larger organizations needing full AP automation and vendor management, Corpay is strongest.” MiniMax M2.5 · comparative prompt · first choice

Also compared

Ramp vs BILL Spend & Expense Ramp vs Corpay BILL Spend & Expense vs Brex BILL Spend & Expense vs Airbase BILL Spend & Expense vs Rippling Spend Brex vs Corpay Corpay vs Airbase Corpay vs Rippling Spend All fifteen head-to-head pages and the full corporate cards standing

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.