Finance AI Index
September 2026 Edition · The permanent record of this edition. The unqualified address always carries the latest edition.
Index › Spend and procurement › September 2026 Edition

Procure-to-pay

Asked as “procure-to-pay platform”, and as “purchasing software”, on behalf of a mid-market B2B company. 47 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing
Procurify
Clear leader
45% of first choices, clear leader.
ShowinginAll 41 categories in the September 2026 Edition →

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 businessRamp27%ContestedStanding →Mid-marketProcurify45%Clear leaderThis pageEnterpriseCoupa42%Clear leaderStanding →

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
01Procurify45%4%46endorsed leader
02Ramp17%5%19accepted challenger
03Precoro6%5%40accepted challenger
04Tradogram6%0%18accepted challenger
05ProcureDesk4%0%12accepted challenger
06Tipalti2%8%12accepted challenger
07Stampli2%10%10accepted challenger
08Coupa2%47%38criticized challenger
Show the four products at 0%, ordered by negative rate
12SAP Ariba0%51%37criticized challenger
11Ivalua0%21%14accepted challenger
10Jaggaer0%14%14accepted challenger
09GEP SMART0%8%13accepted challenger
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.
Head to head
Procurify vs RampProcurify vs PrecoroRamp vs Precoro

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
10
11
12
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Procurify45%
02Ramp17%
03Precoro6%
04Tradogram6%
05ProcureDesk4%
06Tipalti2%
07Stampli2%
08Coupa2%
09GEP SMART0%
10Jaggaer0%
11Ivalua0%
12SAP Ariba0%

02What they warned about

Four of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Mistral Small, Llama 4 Maverick, 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.
SAP Ariba
51%
19 of 37 labels negative · 9 of 12 models · 10 hard negative
“"Procurement systems are always convoluted but SAP Ariba is by far the worst! I would strongly encourage any procurement team to avoid using this platform."” Kimi K2, negative prompt
Coupa
47%
18 of 38 labels negative · 9 of 12 models · 6 hard negative
“more enterprise-oriented platforms such as **Coupa**, **SAP Ariba**, and similar suites are generally not the best fit for a limited budget” Perplexity Sonar, budget prompt
Alibaba
100%
4 of 4 labels negative · 4 of 12 models · 1 hard negative
“avoid** for safety reasons are the open B2B marketplaces (Global Sources especially, Alibaba with care)” DeepSeek V4 Flash, negative prompt
Global Sources
100%
3 of 3 labels negative · 3 of 12 models · 3 hard negative
“Be cautious with B2B sourcing marketplaces like Global Sources... Global Sources scores 1.3/5 on Trustpilot with reports of fraud enabling” Grok 4.1 Fast, 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

66 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. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 824 links across 243 sites, every framing counted. Ranked by the number of answers carrying the site or page.

learn.g2.com
26 answers · 29 citations · 10 models
procuredesk.com
vendor site · ProcureDesk19 answers · 28 citations · 8 models
order.co
vendor site · Order.co19 answers · 21 citations · 9 models
procurementvms.com
19 answers · 20 citations · 10 models
tradogram.com
vendor site · Tradogram19 answers · 19 citations · 10 models
spendflo.com
vendor site · Spendflo18 answers · 21 citations · 9 models
procurify.com
vendor site · Procurify17 answers · 36 citations · 9 models
mindsprint.com
16 answers · 16 citations · 10 models
g2.com
15 answers · 26 citations · 6 models
apsentra.com
vendor site · APSentra15 answers · 16 citations · 10 models
gartner.com
13 answers · 17 citations · 8 models
fraxion.biz
vendor site · Fraxion13 answers · 16 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.

learn.g2.com/best-procure-to-pay-software
21 answers · 9 models
tradogram.com/blog/12-best-purchasing-software-for-small-mid-size-companies
18 answers · 10 models
apsentra.com/best-procure-to-pay-software
13 answers · 10 models
walkme.com/blog/procurement-software
13 answers · 7 models
procurementvms.com/procurement/best-procurement-software.html
12 answers · 7 models
gartner.com/reviews/market/source-to-pay-suites
10 answers · 7 models
generalmind.com/blog/best-procure-to-pay-software-platforms-2026
10 answers · 9 models
procurify.com/blog/best-procure-to-pay-software
10 answers · 8 models
spendflo.com/blog/procure-to-pay-software
10 answers · 7 models
zoneandco.com/articles/procure-to-pay-software-solutions
10 answers · 7 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 procure-to-pay platform for a mid-market B2B company?”Paraphrase“Which purchasing software would you recommend to a mid-sized B2B company?”Comparative“What are the top procurement platforms and how do they differ?”Budget-constrained“What is the best procure-to-pay platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a procure-to-pay platform. What should we look at?”Negative“Which procurement platforms should I avoid or be cautious about?”
Claude Haiku 4.5ProcureDesk
Two alternativesProcurify, Rillion
ProcurifyChanged
Two alternativesPrecoro, Teampay
against: Spendwise, Xero, Zoho Booksno first choicePrecoro
Two alternativesProcurify, Zoho Procurements
no first choicenothing named
GPT-5.4 miniProcurify
Three alternativesOrder.co, ProcureDesk, Tipalti
against: CoupaCoupa, ProcurifyChanged
One alternativeSAP Ariba
against: Oracle Fusion Cloud Procurementno first choice
Seven alternativesCoupa, GEP, Ivalua, Jaggaer, Oracle Fusion Cloud Procurement, SAP Ariba, Zycus
Spendwise
Three alternativesPrecoro, ProcureDesk, SpendHound
against: Procurifyno first choicenothing named
Gemini 3.5 FlashProcurify
Four alternativesPrecoro, Ramp, Tipalti, Zip
ProcurifyHeld
Four alternativesOrder.co, Precoro, ProcureDesk, Zip
against: Coupa, SAP AribaCoupa
Six alternativesGEP SMART, Ivalua, Precoro, Procurify, SAP Ariba, Zip
Ramp
Four alternativesDigital Purchase Order, Precoro, Tradogram, Zoho Books / Zoho Inventory
against: Coupa, SAP AribaTipalti
Six alternativesAirbase, Order.co, Precoro, Procurify, Ramp, Zip
against: Oracle, SAP Aribaagainst: Coupa, Ivalua, Legacy ERP Procurement Modules, SAP Ariba
Perplexity SonarProcureDesk
Four alternativesPrecoro, Procurify, Ramp, Rillion
ProcurifyChanged
Two alternativesPrecoro, Ramp
no first choiceSpendwise
Three alternativesOdoo, Tradogram, Zoho Inventory
against: Coupa, Precoro, Procurify, SAP Aribano first choiceagainst: Basware, Coupa, GEP SMART, Ivalua, Jaggaer, Oracle Fusion Cloud Procurement, Precoro, ProcurementExpress.com, Ramp, Rippling, SAP Ariba, Workday P2P/T&E
Grok 4.1 FastProcurify
Three alternativesFraxion, Precoro, Ramp
against: CoupaProcurifyHeld
Four alternativesPrecoro, ProcureDesk, Teampay, Tradogram
against: Coupa, SAP Aribano first choice
Seven alternativesCoupa, GEP SMART, Ivalua, Jaggaer, Precoro, Procurify, SAP Ariba
Ramp
Two alternativesOdoo, Zoho Inventory
no first choiceagainst: Alibaba, Coupa, DHgate, EC21, Global Sources, Made-in-China, SAP Ariba, Tradekey
Mistral SmallPrecoro, Procurify
Three alternativesAPSentra, Coupa, Ramp
ProcurifyChanged
Two alternativesTeampay, Tradogram
Coupa
Four alternativesIvalua, Jaggaer, SAP Ariba, Zip
Ramp, Teampayagainst: Nanonetsno first choicenothing named
DeepSeek V4 FlashProcurify
Two alternativesGEP SMART, Precoro
against: Basware, CoupaProcurifyHeld
Four alternativesAirbase, Planergy, Precoro, ProcureDesk
Coupa, SAP Ariba
Six alternativesGEP SMART, Ivalua, Jaggaer, Precoro, Procurify, Workday Strategic Sourcing
Ramp
Four alternativesOdoo, Precoro, Tradogram, Zoho Inventory
no first choiceagainst: Coupa, SAP Aribaagainst: Alibaba, Coupa, Global Sources, Ivalua, SAP Ariba
Llama 4 MaverickAPSentra, Procurify, Rampno first choiceChangedSAP Ariba
Three alternativesCoupa, GEP SMART, Zapro
Pipefy, Xero
Two alternativesProcurementExpress.com, Tradogram
no first choiceagainst: SAP Ariba, Workday P2P/T&E
Qwen 3.7 FlashProcurify
Three alternativesAPSentra, Fraxion, Oracle NetSuite
against: Coupa, SAP AribaProcurifyHeld
Five alternativesCoupa, Ivalua, Rippling, Tradogram, Zoho Books/Inventory
no first choice
Seven alternativesCoupa, GEP SMART, Oracle Fusion Cloud Procurement, Precoro, Procurify, SAP Ariba, Zapro
Ramp
Two alternativesPrecoro, Teampay
no first choiceagainst: Alibaba, Government e-Marketplace, SAP Ariba
Kimi K2Procurify, Stampli
One alternativePrecoro
against: TipaltiProcurifyChanged
Three alternativesOrder.co, Precoro, Tradogram
against: Coupa, Jaggaer, SAP Aribano first choice
Seven alternativesCoupa, GEP SMART, Ivalua, Precoro, Procurify, SAP Ariba, Tradogram
against: ZycusRamp
Four alternativesPrecoro, ProcureDesk, Spendwise, Zoho Inventory
Procurify
Three alternativesPrecoro, Stampli, Tipalti
against: Coupa, SAP Aribaagainst: Alibaba, Global Sources, Made-in-China, SAP Ariba
GLM 4.7 FlashXProcurify
Three alternativesAPSentra, Precoro, ProcureDesk
against: Coupa, SAP Ariba, StampliPrecoro, ProcurifyChanged
Three alternativesCoupa, Jaggaer, SAP Ariba
no first choice
Seven alternativesCoupa, GEP SMART, Market Dojo, Precoro, Procurify, SAP Ariba, Zapro
Tradogram
Six alternativesDigital Purchase Order, ERPNext, Precoro, Procuman, ProcureDesk, Spendwise
no first choiceagainst: Coupa, SAP Ariba
MiniMax M2.5APSentra
Two alternativesPrecoro, Procurify
Procurify, TradogramChanged
Two alternativesControlHub, VISCO
Coupa, SAP Ariba
Five alternativesOracle Fusion Cloud Procurement, Precoro, Procurify, Tradogram, Zapro
Ramp, Tradogram
One alternativePipefy
no first choiceagainst: Coupa, Oracle Fusion, SAP Aribaagainst: Chain IQ Group AG, Procure.com, Roseltorg
Bold 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.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:54yes99 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:53yes47 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:12yes1520 s
Direct recommendationPerplexity Sonarsonar2026-09-17 19:43yes206 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:48yes3418 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 19:29yes55 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 18:58yes2150 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:42yes53 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:50yes519 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:59yes1026 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:01yes25126 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:40yes520 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:41yes98 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 17:57no03 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 17:57yes1017 s
ParaphrasePerplexity Sonarsonar2026-09-17 17:54yes206 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:15yes148 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 17:54yes55 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 21:03yes1313 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:05yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:55yes515 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:27yes915 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:07yes15219 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:38yes514 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:17yes109 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:41yes712 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:16yes20160 s
ComparativePerplexity Sonarsonar2026-09-17 19:24yes2010 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 20:14yes3417 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 18:01yes1011 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 18:56yes1841 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:59yes53 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:30yes516 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:55yes1568 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:06yes1025 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 21:05yes1524 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:47yes169 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 21:03yes55 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:32yes1520 s
Budget constrainedPerplexity Sonarsonar2026-09-17 19:58yes207 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:56yes3518 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:47yes53 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:34yes2321 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:55yes53 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:33yes527 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:31yes822 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:53yes2070 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:04yes511 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:55no08 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:55no010 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:56yes1223 s
Scale constrainedPerplexity Sonarsonar2026-09-17 18:20yes209 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:40yes1915 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:24no08 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:12yes1921 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:07yes54 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:26no026 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:24yes1424 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:18yes1450 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:34yes820 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:52yes187 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:05no05 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:17yes2556 s
Negative framingPerplexity Sonarsonar2026-09-17 19:40yes208 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:48yes4817 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 19:46yes55 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:06yes1921 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:19yes52 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:41yes1530 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:22yes2229 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:38yes1434 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:22yes2036 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
Ariba read as SAP Ariba
Bill.com read as BILL
Kissflow read as Kissflow Procurement
NetSuite read as Oracle NetSuite
Oracle Procurement read as Oracle Fusion Cloud Procurement
Oracle Procurement Cloud read as Oracle Fusion Cloud Procurement
Zapro.ai read as Zapro
Unresolved, counted raw
Chain IQ Group AG
EC21
Elementum
Government e-Marketplace (GeM)
Icertis
Legacy ERP Procurement Modules (e.g., older Oracle, JD Edwards, or on-premise SAP ECC)
Opstream
Planergy
Procure.com
Roseltorg
Sirion
Tradekey
Zoho Books/Inventory
Zoho Procure
Zoho Procurements
mjPRO
Discontinued, still offered
No shut-down product was recommended here.

Also in spend and procurement

The other categories of this function, with the leader in each.
← Expense managementSpend management platfor →