Index › Spend and procurement › September 2026 Edition

Spend management platforms

Asked as “spend management platform”, and as “all-in-one spend control 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

Ramp

Clear leader

49% 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 business

Ramp51%Clear leaderStanding →Mid-market

Ramp49%Clear leaderThis page Enterprise

Coupa54%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

Ramp8%59endorsed leader

Airbase7%43accepted challenger

BILL Spend & Expense16%49accepted challenger

Spendesk8%25accepted challenger

Show the ten products at 0%, ordered by negative rate

Rippling Spend39%18criticized challenger

Coupa33%21criticized challenger

SAP Concur28%18criticized challenger

Expensify23%13accepted challenger

Brex13%39accepted challenger

Emburse0%24accepted challenger

Payhawk0%16accepted challenger

Procurify0%15accepted challenger

Navan0%10accepted challenger

Zoho Expense0%10accepted 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

Ramp vs Airbase Ramp vs BILL Spend & Expense Airbase vs BILL Spend & Expense

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 →

Accepted challengerEndorsed leader

0%First-choice share → · lines at 30% share and 25% negative60%

Key

Ramp49%

Airbase26%

BILL Spend & Expense15%

Spendesk9%

Brex0%

Emburse0%

Payhawk0%

Procurify0%

Zoho Expense0%

Navan0%

Expensify0%

Coupa0%

SAP Concur0%

Rippling Spend0%

02What they warned about

Four of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, Grok 4.1 Fast, Mistral Small, 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.

BILL Spend & Expense

16%

8 of 49 labels negative · 7 of 12 models · 2 hard negative

“Be **especially cautious** with: - **BILL Spend & Expense** — integration, approval, and support issues” GLM 4.7 FlashX, negative prompt

Rippling Spend

39%

7 of 18 labels negative · 6 of 12 models · 2 hard negative

“**Rippling Spend** — high cost, complexity, and limited reporting” GLM 4.7 FlashX, negative prompt

Coupa

33%

7 of 21 labels negative · 5 of 12 models · 1 hard negative

“Best avoided for non-enterprise teams or those needing intuitive tools” Grok 4.1 Fast, negative prompt

Brex

13%

5 of 39 labels negative · 5 of 12 models

“**Brex** has received several complaints regarding: - Poor customer support and unresponsive service - Sudden account closures with minimal warning” MiniMax M2.5, 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

67 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. 815 links across 155 sites, every framing counted. Ranked by the number of answers carrying the site or page.

emburse.com

vendor site · Emburse49 answers · 55 citations · 10 models

gartner.com

33 answers · 35 citations · 8 models

ramp.com

vendor site · Ramp29 answers · 39 citations · 9 models

spendesk.com

vendor site · Spendesk26 answers · 37 citations · 10 models

zylo.com

vendor site · Zylo26 answers · 29 citations · 10 models

learn.g2.com

24 answers · 32 citations · 9 models

procurify.com

vendor site · Procurify20 answers · 21 citations · 10 models

siit.io

20 answers · 20 citations · 10 models

fraxion.biz

vendor site · Fraxion19 answers · 20 citations · 8 models

cpaforge.com

19 answers · 19 citations · 9 models

g2.com

15 answers · 44 citations · 9 models

bill.com

vendor site · BILL15 answers · 18 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.

emburse.com/resources/best-spend-management-platforms

49 answers · 10 models

gartner.com/reviews/market/expense-management-software

33 answers · 8 models

zylo.com/blog/best-spend-management-software

26 answers · 10 models

ramp.com/blog/best-spend-management-software

22 answers · 8 models

spendesk.com/blog/spend-management-software

22 answers · 10 models

siit.io/blog/best-spend-management-tools

20 answers · 10 models

cpaforge.com/best/best-spend-management-platforms

19 answers · 9 models

fraxion.biz/blog/top-spend-management-software

18 answers · 8 models

procurify.com/blog/best-spend-management-software

16 answers · 10 models

learn.g2.com/best-spend-management-software

15 answers · 9 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 spend management platform for a mid-market B2B company?”Paraphrase“Which all-in-one spend control software would you recommend to a mid-sized B2B company?”Comparative“What are the top spend management platforms and how do they differ?”Budget-constrained“What is the best spend management platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a spend management platform. What should we look at?”Negative“Which spend management platforms should I avoid or be cautious about?”

Claude Haiku 4.5Ramp

Four alternatives

Airbase, Brex, Procurify, SAP Concur

Fraxion, RampChanged

Two alternatives

Airbase, BILL Spend & Expense

no first choice

Five alternatives

Airwallex, BILL Spend & Expense, Brex, Coupa, Navan

BILL Spend & Expense

Two alternatives

Tradogram, Zoho Expense

no first choiceagainst: Rippling Spend, Spendesk

GPT-5.4 miniRamp

Three alternatives

Navan, Payhawk, Rippling Spend

against: SAP ConcurRampHeld

Two alternatives

Payhawk, Rippling Spend

Ramp

Two alternatives

BILL Spend & Expense, Brex

BILL Spend & Expense

Three alternatives

Expensify, Ramp, Zoho Expense

no first choiceagainst: BILL Spend & Expense, Impact, Spend.net, TSYS/Global Payments

Gemini 3.5 FlashRamp

Four alternatives

Airbase, Airwallex, BILL Spend & Expense, Brex

RampHeld

Four alternatives

Airbase, Airwallex, Brex, Rippling Spend

Ramp

Five alternatives

Airbase, Brex, Coupa, Navan, SAP Concur

Ramp

Four alternatives

Airwallex, BILL Spend & Expense, Mercury, Zoho Expense

no first choiceagainst: Coupa, SAP Concuragainst: BILL Spend & Expense, Brex, Expensify, Ramp, SAP Concur

Perplexity SonarAirbase

Four alternatives

BILL Spend & Expense, Emburse, Procurify, Ramp

AirbaseHeld

Two alternatives

Ramp, Spendesk

against: BILL Spend & ExpenseRamp

Eight alternatives

Airbase, BILL Spend & Expense, Brex, Coupa, Payhawk, Spendesk, Stampli, Tipalti

BILL Spend & Expense, Ramp

Two alternatives

Expensify, Zoho Expense

no first choiceagainst: Airbase, BILL Spend & Expense, Brex, Coupa, Expend, Ramp, SAP Concur, Tipalti

Grok 4.1 FastRamp

Two alternatives

Airbase, Spendesk

AirbaseChanged

Four alternatives

BILL Spend & Expense, Brex, Ramp, Spendesk

Ramp

Six alternatives

Airbase, BILL Spend & Expense, Brex, Coupa, Payhawk, Spendesk

Ramp

Three alternatives

BILL Spend & Expense, Brex, Zoho Expense

Ramp

Five alternatives

BILL Spend & Expense, Brex, Emburse, Payhawk, Spendesk

against: Airbase, Coupa, Expensify, Rippling Spend, Spendesk

Mistral SmallAirbase

Two alternatives

BILL Spend & Expense, Ramp

Airbase, SpendeskChanged

Three alternatives

Emburse, Expensify, Rippling Spend

no first choice

Seven alternatives

Airbase, Brex, Coupa, Emburse, Payhawk, Ramp, Spendesk

BILL Spend & Expense, Rampno first choicenothing named

DeepSeek V4 FlashRamp

Three alternatives

Airbase, Brex, Navan

RampHeld

Three alternatives

Airbase, Brex, Payhawk

against: CoupaRamp

Six alternatives

Airbase, BILL Spend & Expense, Brex, Navan, Payhawk, SAP Concur

against: CoupaRamp

Three alternatives

BILL Spend & Expense, Brex, Expensify

Ramp

Five alternatives

Airbase, BILL Spend & Expense, Brex, Payhawk, Spendesk

against: Coupaagainst: BILL Spend & Expense, Brex, Emburse Spend, Expensify, Rippling Spend, SAP Concur

Llama 4 MaverickAirbaseSpendeskChanged

Three alternatives

Airbase, BILL Spend & Expense, Ramp

no first choiceBILL Spend & Expense

Two alternatives

Ramp, Spendesk

Ramp

Three alternatives

Airbase, BILL Spend & Expense, Brex

nothing named

Qwen 3.7 FlashAirbase

Four alternatives

BILL Spend & Expense, Emburse, Ramp, Spendesk

SpendeskChanged

One alternative

Airbase

against: Rippling SpendRamp

Six alternatives

Airbase, BILL Spend & Expense, Brex, Coupa, Pleo, Spendesk

BILL Spend & Expense

Three alternatives

Expensify, Ramp, Zoho Expense

no first choiceagainst: BILL Spend & Expense, Ramp, Rippling Spend

Kimi K2Airbase

Four alternatives

Fraxion, Procurify, Ramp, Spendesk

RampChanged

Three alternatives

Brex, Emburse, Spendesk

against: Airbaseno first choiceBILL Spend & Expense, Ramp

Three alternatives

Brex, Expensify, Zoho Expense

Airbase

Three alternatives

BILL Spend & Expense, Ramp, Spendesk

against: BILL Spend & Expense, Brex, Ramp, Rippling Spend

GLM 4.7 FlashXAirbase

One alternative

Ramp

against: Coupa, SAP AribaAirbase, RampChanged

Three alternatives

Fraxion, Procurify, SAP Concur

Ramp

Six alternatives

Airbase, Brex, Coupa, Emburse, Expensify, Spendesk

Ramp

Two alternatives

BILL Spend & Expense, Zoho Expense

no first choiceagainst: BILL Spend & Expense, Corpay Complete, ProSpend, Rippling Spend

MiniMax M2.5Airbase, Ramp

Three alternatives

Emburse, Payhawk, Procurify

SpendeskChanged

Three alternatives

Airbase, Emburse, Ramp

no first choiceRamp

Three alternatives

Airwallex, BILL Spend & Expense, Zoho Expense

no first choiceagainst: Brex, Ramp

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.

Prompt	Model	Version string	Time (UTC)	Searched	Sources	Latency
Direct recommendation	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 18:09	yes	9	9 s
Direct recommendation	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 21:05	yes	3	7 s
Direct recommendation	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 19:10	yes	11	25 s
Direct recommendation	Perplexity Sonar	`sonar`	2026-09-17 19:29	yes	20	6 s
Direct recommendation	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 19:56	yes	30	15 s
Direct recommendation	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 18:02	yes	5	5 s
Direct recommendation	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 18:29	yes	9	14 s
Direct recommendation	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 20:02	yes	5	2 s
Direct recommendation	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 21:00	yes	5	28 s
Direct recommendation	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 18:13	yes	9	19 s
Direct recommendation	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 19:51	yes	20	148 s
Direct recommendation	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 18:12	yes	9	30 s
Paraphrase	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 20:28	yes	15	9 s
Paraphrase	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 18:45	yes	4	6 s
Paraphrase	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 18:36	yes	20	28 s
Paraphrase	Perplexity Sonar	`sonar`	2026-09-17 20:08	yes	20	7 s
Paraphrase	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 19:12	yes	33	17 s
Paraphrase	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 19:03	yes	5	6 s
Paraphrase	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 18:17	yes	14	14 s
Paraphrase	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 18:56	yes	5	4 s
Paraphrase	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 20:47	yes	5	22 s
Paraphrase	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 18:35	yes	17	71 s
Paraphrase	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 18:10	yes	8	95 s
Paraphrase	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 20:16	yes	9	32 s
Comparative	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 20:46	yes	9	8 s
Comparative	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 17:54	yes	4	9 s
Comparative	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 19:37	yes	15	24 s
Comparative	Perplexity Sonar	`sonar`	2026-09-17 20:33	yes	20	10 s
Comparative	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 20:41	yes	21	16 s
Comparative	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 18:03	yes	8	8 s
Comparative	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 20:14	yes	17	22 s
Comparative	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 18:53	yes	5	2 s
Comparative	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 20:23	yes	10	25 s
Comparative	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 20:48	yes	10	24 s
Comparative	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 19:02	yes	28	64 s
Comparative	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 20:09	yes	9	20 s
Budget constrained	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 20:13	yes	9	7 s
Budget constrained	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 18:02	yes	4	4 s
Budget constrained	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 18:19	yes	10	20 s
Budget constrained	Perplexity Sonar	`sonar`	2026-09-17 18:55	yes	18	5 s
Budget constrained	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 20:16	yes	23	14 s
Budget constrained	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 19:55	yes	5	3 s
Budget constrained	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 20:01	yes	8	16 s
Budget constrained	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 17:58	yes	5	2 s
Budget constrained	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 18:54	yes	10	38 s
Budget constrained	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 18:08	yes	9	31 s
Budget constrained	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 18:46	yes	25	100 s
Budget constrained	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 18:23	yes	10	23 s
Scale constrained	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 19:30	no	0	7 s
Scale constrained	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 20:51	no	0	11 s
Scale constrained	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 21:16	no	0	177 s
Scale constrained	Perplexity Sonar	`sonar`	2026-09-17 19:27	yes	18	10 s
Scale constrained	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 19:28	yes	11	12 s
Scale constrained	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 18:53	no	0	9 s
Scale constrained	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 18:05	yes	17	24 s
Scale constrained	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 18:00	yes	5	3 s
Scale constrained	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 20:28	no	0	65 s
Scale constrained	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 18:54	yes	12	29 s
Scale constrained	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 18:28	yes	19	141 s
Scale constrained	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 19:28	yes	8	24 s
Negative framing	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 20:58	yes	17	10 s
Negative framing	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 20:47	yes	6	8 s
Negative framing	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 18:03	yes	23	28 s
Negative framing	Perplexity Sonar	`sonar`	2026-09-17 20:01	yes	20	9 s
Negative framing	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 20:14	yes	40	17 s
Negative framing	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 19:55	yes	5	7 s
Negative framing	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 20:09	yes	14	23 s
Negative framing	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 21:06	yes	5	3 s
Negative framing	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 18:11	yes	13	36 s
Negative framing	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 18:59	yes	28	52 s
Negative framing	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 18:15	yes	27	86 s
Negative framing	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 18:02	yes	24	34 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 read as BILL Spend & Expense

BILL (formerly Divvy) read as BILL Spend & Expense

Bill.com read as BILL Spend & Expense

Divvy read as BILL Spend & Expense

Oracle Procurement Cloud read as Oracle Fusion Cloud Procurement

Rippling read as Rippling Spend

Unresolved, counted raw

Emburse Spend (formerly Abacus)

Expend

Impact

Spend.net

TSYS/Global Payments

Zoho Expense/Procure

Discontinued, still offered

No shut-down product was recommended here.

Spend management platforms

By buyer segment

01The standing

Recommended versus criticized

02What they warned about

03What they cite

Sites the answers cite

Pages the answers cite

04How they answered

05The record

Normalization in this category

Also in spend and procurement