Finance AI Index
Index Spend and procurement Procure-to-pay › Enterprise September 2026 Edition

Procure-to-pay for enterprise buyers

Asked as “procure-to-pay platform”, and as “purchasing software”, on behalf of an enterprise B2B company. 53 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing
Clear leader
42% of first choices, clear leader.

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 an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Coupa42%15%55endorsed leader
02SAP Ariba36%16%61endorsed leader
03Ivalua9%2%41accepted challenger
04GEP SMART2%0%28accepted challenger
05Zip2%8%13accepted challenger
Show the two products at 0%, ordered by negative rate
06Oracle Fusion Cloud Procurement0%8%26accepted challenger
07Jaggaer0%7%30accepted 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.

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
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Coupa42%
02SAP Ariba36%
03Ivalua9%
04GEP SMART2%
05Zip2%
06Oracle Fusion Cloud Procurement0%
07Jaggaer0%

02What they warned about

Four of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2 and GLM 4.7 FlashX 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
16%
10 of 61 labels negative · 8 of 12 models · 1 hard negative
“**When to Avoid**: Unless you're deeply embedded in SAP (e.g., S/4HANA users), skip it.” Grok 4.1 Fast, negative prompt
Coupa
15%
8 of 55 labels negative · 7 of 12 models · 1 hard negative
“**Avoid Coupa's standard per-seat licensing:** ... Coupa's standard per-user/per-module pricing can become cost-prohibitive” Gemini 3.5 Flash, budget prompt
Amazon Business
100%
2 of 2 labels negative · 2 of 12 models · 1 hard negative
“making it risky for complex enterprise procurement needs” Mistral Small, negative prompt
Precoro
33%
2 of 6 labels negative · 2 of 12 models · 1 hard negative
“SMB and Mid-Market Focus Platforms (Avoid)” Gemini 3.5 Flash, 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. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 865 links across 232 sites, every framing counted. Ranked by the number of answers carrying the site or page.

24 answers · 38 citations · 10 models
24 answers · 26 citations · 9 models
23 answers · 23 citations · 10 models
20 answers · 22 citations · 8 models
vendor site · Guideflow17 answers · 20 citations · 7 models
vendor site · Zycus16 answers · 20 citations · 6 models
vendor site · Precoro14 answers · 17 citations · 7 models
13 answers · 23 citations · 5 models
13 answers · 18 citations · 7 models
13 answers · 17 citations · 9 models
13 answers · 13 citations · 8 models
vendor site · Spendflo12 answers · 13 citations · 7 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.

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 an enterprise B2B company?”Paraphrase“Which purchasing software would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade procurement platforms and how do they differ?”Budget-constrained“What is the best procure-to-pay platform for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a procure-to-pay platform. What should we look at?”Negative“Which procurement platforms should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5no first choiceSAP AribaChanged
Five alternativesCorcentric, Coupa, Determine, Infor CloudSuite, Jaggaer
no first choicePivot
Two alternativesCoupa, SAP Ariba
no first choicenothing named
GPT-5.4 miniCoupa
Three alternativesIvalua, Oracle Fusion Cloud Procurement, SAP Ariba
Coupa, IvaluaChanged
Two alternativesOracle Fusion Cloud Procurement, SAP Ariba
no first choice
Five alternativesCoupa, GEP SMART, Ivalua, Oracle Fusion Cloud Procurement, SAP Ariba
Coupa
One alternativeSAP Ariba
no first choicenothing named
Gemini 3.5 FlashCoupa, SAP Ariba
Four alternativesGEP SMART, Ivalua, Jaggaer, Zip
CoupaChanged
Four alternativesGEP SMART, Ivalua, SAP Ariba, Zip
Coupa
Six alternativesGEP SMART, Ivalua, Jaggaer, Oracle Fusion Cloud Procurement, SAP Ariba, Zip
Ivalua
Three alternativesBasware, Precoro, SAP Ariba
against: Coupa
no first choiceagainst: Coupa, Fraxion, Jaggaer, Precoro, Procurify, SAP Ariba, Tradogram
Perplexity SonarCoupa
Four alternativesGEP SMART, Ivalua, Oracle Fusion Cloud Procurement, SAP Ariba
SAP AribaChanged
Two alternativesCoupa, Ivalua
no first choicePrecoro
One alternativeCoupa
against: SAP Ariba
Coupa, Ivalua, SAP Aribaagainst: Oracle, Order.co, Precoro, ProcurementExpress.com, Procurify, Ramp, Rippling, Tradogram, Workday P2P/T&E
Grok 4.1 FastCoupa, SAP Ariba
Two alternativesGEP SMART, Ivalua
Coupa, SAP AribaHeld
Four alternativesGEP SMART, Ivalua, Jaggaer, Oracle Fusion Cloud Procurement
Coupa, Ivalua
Four alternativesGEP SMART, Jaggaer, Oracle Fusion Cloud Procurement, SAP Ariba
against: Zip, Zycus
Coupa, SAP Ariba
Three alternativesGEP SMART, Ivalua, Oracle Fusion Cloud Procurement
Coupa
Three alternativesIvalua, SAP Ariba, Zycus
against: Coupa, GEP, Ivalua, Oracle Fusion Cloud Procurement, SAP Ariba
Mistral SmallSAP Ariba
Two alternativesCoupa, Jaggaer
SAP AribaHeld
Three alternativesCoupa, Ivalua, Zip
no first choiceagainst: CoupaSAP Ariba
One alternativeGEP
no first choiceagainst: Amazon Business, ProcurePort ProcureWare / eBid Systems, Workday Strategic Sourcing
DeepSeek V4 FlashCoupa
Four alternativesGEP SMART, Ivalua, Oracle Fusion Cloud Procurement, SAP Ariba
CoupaHeld
Three alternativesIvalua, Oracle Fusion Cloud Procurement, SAP Ariba
Coupa
Seven alternativesGEP SMART, Ivalua, Jaggaer, Oracle Fusion Cloud Procurement, SAP Ariba, Workday Strategic Sourcing, Zycus
Coupa
Two alternativesOracle Fusion, Workday P2P/T&E
against: SAP Ariba
Coupa, Ivalua
Two alternativesGEP SMART, SAP Ariba
against: Coupa, SAP Ariba, SAP Fieldglass
Llama 4 MaverickSAP Ariba
Two alternativesGEP, Stampli
SAP Ariba, ZipChangedCoupa, SAP Ariba
One alternativeGEP SMART
Ivalua, Oracle Fusion, SAP Ariba, Stamplino first choiceagainst: Amazon Business, Coupa, Microsoft Dynamics 365, Oracle NetSuite
Qwen 3.7 FlashSAP Ariba
Four alternativesCoupa, GEP NEXXT, Ivalua, Oracle Fusion Cloud Procurement
CoupaChanged
Three alternativesIvalua, Oracle Fusion Cloud Procurement, SAP Ariba
against: Procurious
Coupa
Five alternativesGEP SMART, Ivalua, Oracle Fusion Cloud Procurement, SAP Ariba, Workday Strategic Sourcing / Procurement
Coupa
Two alternativesIvalua, SAP Ariba
no first choiceagainst: SAP Concur, Workdayagainst: Oracle Fusion Cloud Procurement, SAP Ariba
Kimi K2Coupa
Two alternativesIvalua, SAP Ariba
Coupa, SAP AribaChanged
Two alternativesIvalua, Jaggaer
Coupa, SAP Ariba
Three alternativesIvalua, Jaggaer, Oracle Fusion Cloud Procurement
Stampli
Three alternativesCoupa, Precoro, Procurify
against: SAP Ariba
Coupa, SAP Ariba
Four alternativesGEP SMART, Procurify, Tipalti, Zip
against: Coupa, Jaggaer, SAP Ariba
GLM 4.7 FlashXno first choiceSAP AribaChanged
Four alternativesCoupa, GEP, Ivalua, Oracle Fusion Cloud Procurement
SAP Ariba
Four alternativesCoupa, GEP SMART, Ivalua, Jaggaer
Coupa
Four alternativesGEP SMART, Ivalua, Oracle Fusion Cloud Procurement, SAP Ariba
no first choiceagainst: Microsoft Dynamics 365, Oracle NetSuite, SAP Ariba, Workday P2P/T&E
MiniMax M2.5SAP Ariba
Five alternativesBasware, Coupa, GEP SMART, Jaggaer, Oracle Fusion Cloud Procurement
SAP AribaHeld
Two alternativesCoupa, Ivalua
SAP Ariba
Six alternativesCoupa, GEP SMART, Ivalua, Jaggaer, Oracle Fusion Cloud Procurement, Zip
GEP SMART
One alternativeIvalua
against: Coupa, SAP Ariba
Coupa
Four alternativesBasware, Oracle Fusion Cloud Procurement, Procurement, SAP Ariba
nothing named
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 20:53no05 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:47yes59 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:56yes1053 s
Direct recommendationPerplexity Sonarsonar2026-09-17 17:58yes207 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:33yes3315 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 18:10yes1510 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:36yes1021 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 21:07yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:35yes517 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:25yes1021 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:40yes2195 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:45yes1435 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:23no05 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:58yes25 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:02yes1723 s
ParaphrasePerplexity Sonarsonar2026-09-17 18:48yes206 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 20:05yes148 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 20:48yes54 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 19:45yes1013 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:36yes53 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:10no027 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:11yes2026 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:53yes1367 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:39yes519 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:38yes98 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:23yes69 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:03yes1833 s
ComparativePerplexity Sonarsonar2026-09-17 20:13yes2010 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:07yes2515 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 18:32yes1511 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:23yes1930 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:58yes53 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:18yes517 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:59yes2032 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:42yes34100 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:02yes934 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:52yes148 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:58yes67 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:57yes2431 s
Budget constrainedPerplexity Sonarsonar2026-09-17 17:53yes176 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:04yes3519 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:25yes55 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 21:02yes1724 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:53yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:56no027 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:09yes1030 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:05yes1541 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:41yes1744 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:58yes1811 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:20no09 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:31yes328 s
Scale constrainedPerplexity Sonarsonar2026-09-17 18:21yes2015 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:26yes1412 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 17:57no08 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 19:22yes2028 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:07yes53 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:08no030 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:07yes2451 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:34yes2498 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:48yes523 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:59yes3613 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:52yes48 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 20:12yes1224 s
Negative framingPerplexity Sonarsonar2026-09-17 20:48yes206 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 20:18yes2316 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 20:05yes1511 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 20:19yes2571 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:37yes53 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:49no034 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:42yes3050 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:20yes2760 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:48yes1024 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
Microsoft Dynamics read as Microsoft Dynamics 365
NetSuite read as Oracle NetSuite
Oracle Procurement read as Oracle Fusion Cloud Procurement
Oracle Procurement Cloud read as Oracle Fusion Cloud Procurement
Workday Procurement read as Workday P2P/T&E
Unresolved, counted raw
Omnea
Pivot
ProcurePort ProcureWare / eBid Systems
Procurement (Tipalti)
Prodigy
Workday Strategic Sourcing / Procurement
Discontinued, still offered
No shut-down product was recommended here.
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