Index › Treasury and cash › September 2026 Edition

Business bill pay

Asked as “bill pay platform for businesses”, and as “vendor payments software”, on behalf of a mid-market B2B company. 43 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.

Standing

BILL

Contested

35% of first choices, contested.

ShowinginAll 41 categories →

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

Melio57%Clear leaderStanding →Mid-market

BILL35%ContestedThis page Enterprise

Tipalti42%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

BILL27%51criticized default

Melio11%27accepted challenger

Ramp3%30accepted challenger

Tipalti4%26accepted challenger

Stampli0%16accepted challenger

AvidXchange0%25accepted challenger

Bank Bill Pay6%17accepted challenger

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

Doxo47%19criticized challenger

Prism36%11criticized challenger

Papaya30%10criticized 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

BILL vs Melio BILL vs Ramp Melio vs Ramp

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% negative50%

Key

BILL35%

Melio26%

Ramp7%

Tipalti7%

Stampli5%

AvidXchange2%

Bank Bill Pay2%

Papaya0%

Prism0%

Doxo0%

02What they warned about

Four of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, 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.

Doxo

47%

9 of 19 labels negative · 9 of 12 models · 9 hard negative

“**Doxo**: This online bill payment firm will pay $2.1 million to settle Federal Trade Commission allegations that it used misleading search ads to impersonate consumers' billers” Claude Haiku 4.5, negative prompt

BILL

27%

14 of 51 labels negative · 8 of 12 models · 5 hard negative

“BBB rating 1.09/5 (108+ reviews), 188 complaints in 3 years. Common issues: payment delays/holds, poor customer support, unauthorized charges” Grok 4.1 Fast, negative prompt

Prism

36%

4 of 11 labels negative · 4 of 12 models · 2 hard negative

“claiming to be "Prism Bill Pay" or offering legacy versions, **avoid them completely**” Gemini 3.5 Flash, negative prompt

Zelle

100%

3 of 3 labels negative · 3 of 12 models · 2 hard negative

“P2P apps like PayPal/Zelle aren't true bill pay (better for people-to-people).” Grok 4.1 Fast, comparative 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. 765 links across 227 sites, every framing counted. Ranked by the number of answers carrying the site or page.

rippling.com

vendor site · Rippling20 answers · 23 citations · 10 models

bill.com

vendor site · BILL17 answers · 24 citations · 8 models

cashflowpick.com

17 answers · 21 citations · 9 models

ramp.com

vendor site · Ramp16 answers · 26 citations · 8 models

rillion.com

vendor site · Rillion16 answers · 21 citations · 10 models

worldmetrics.org

15 answers · 19 citations · 8 models

zipdo.co

vendor site · Zipdo15 answers · 19 citations · 8 models

thepennyhoarder.com

14 answers · 14 citations · 10 models

gitnux.org

13 answers · 15 citations · 8 models

founderscpa.com

13 answers · 13 citations · 10 models

accountingseed.com

vendor site · Accounting Seed12 answers · 12 citations · 7 models

gobankingrates.com

11 answers · 11 citations · 9 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.

cashflowpick.com/best-bill-payment-software

15 answers · 9 models

rillion.com/blog/best-b2b-payment-platforms

14 answers · 9 models

thepennyhoarder.com/budgeting/bill-pay-services

14 answers · 10 models

founderscpa.com/blog/best-bill-pay-apps-for-startups-and-small-businesses

13 answers · 10 models

accountingseed.com/resource/blog/top-bill-pay-software-for-smbs

12 answers · 7 models

gobankingrates.com/saving-money/budgeting/bill-payment-service

11 answers · 9 models

rippling.com/blog/best-bill-pay-apps-startups-small-businesses

11 answers · 9 models

rippling.com/blog/bill-pay-solutions-for-businesses

11 answers · 7 models

money.usnews.com/money/personal-finance/saving-and-budgeting/articles/best-…

10 answers · 8 models

eco.com/support/en/articles/16402441-best-accounts-payable-software-2026

8 answers · 6 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 bill pay platform for businesses for a mid-market B2B company?”Paraphrase“Which vendor payments software would you recommend to a mid-sized B2B company?”Comparative“What are the top bill pay platforms and how do they differ?”Budget-constrained“What is the best bill pay platform for businesses for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a bill pay platform for businesses. What should we look at?”Negative“Which bill pay platforms should I avoid or be cautious about?”

Claude Haiku 4.5MineralTree

Four alternatives

BILL, EBizCharge, Rillion, Versapay

BILLChanged

Three alternatives

AvidXchange, Stampli, Tipalti

BILL

Six alternatives

Billtrust, Doxo, Forwardly, HighRadius, Melio, Versapay

Bank Bill Pay

One alternative

Quicken

against: BILLno first choiceagainst: BILL, Doxo

GPT-5.4 miniTipalti

Two alternatives

BILL, Ramp

BILLChanged

Two alternatives

AvidXchange, Tipalti

BILL

Two alternatives

Melio, Ramp

Melio, QuickBooks Bill Pay

One alternative

BILL

against: Rampno first choicenothing named

Gemini 3.5 FlashStampli

Four alternatives

Airbase, AvidXchange, Ramp, Tipalti

against: BILL, QuickBooks OnlineStampliHeld

Three alternatives

Airbase, Ramp, Tipalti

against: QuickBooks Bill Pay, SAP AribaBILL

Two alternatives

Melio, Veem

against: QuickBooks Bill PayMelio

Four alternatives

Mercury, QuickBooks Bill Pay, Ramp, Rho

against: BILLTipalti

Five alternatives

AvidXchange, Brex, MineralTree, Ramp, Stampli

against: Doxo, Papaya, Prism

Perplexity SonarBILL

Four alternatives

AvidXchange, Ramp, Stampli, Tipalti

BILLHeld

Four alternatives

Coupa, Plooto, Rillion, Veem

no first choiceMelio

Two alternatives

Bank Bill Pay, Ramp

against: BILLno first choiceagainst: Doxo

Grok 4.1 FastBILL

Four alternatives

AvidXchange, Ramp, Stampli, Tipalti

against: MelioBILLHeld

Four alternatives

AvidXchange, Ramp, Stampli, Tipalti

Bank Bill Pay

Three alternatives

Doxo, Papaya, Quicken Simplifi

against: PayPal, Prism, ZelleMelio

Two alternatives

QuickBooks Bill Pay, Ramp

against: BILLBILL, Ramp

One alternative

Coupa

against: BILL, Doxo, Fiserv/CheckFree, Papaya

Mistral SmallBILL

Two alternatives

AvidXchange, Finexio

HighRadiusChanged

Two alternatives

Plooto, Rillion

no first choiceMelio

One alternative

Bank Bill Pay

no first choicenothing named

DeepSeek V4 FlashTipalti

Four alternatives

AvidXchange, BILL, Ramp, Stampli

BILLChanged

Three alternatives

AvidXchange, Stampli, Tipalti

Melio

Two alternatives

AvidXchange, BILL

Melio

Two alternatives

Bank Bill Pay, QuickBooks Bill Pay

against: BILLno first choiceagainst: BILL, Cash App, Doxo, PayPal, Prism, Venmo, Zelle

Llama 4 Maverickno first choiceHighRadius, RillionChangedno first choiceMelio

Three alternatives

Bank Bill Pay, Expensify, Rippling

no first choicenothing named

Qwen 3.7 FlashBILL

Three alternatives

AvidXchange, Ramp, Tipalti

HighRadiusChanged

Three alternatives

AvidXchange, BILL, Tipalti

BILL

Three alternatives

Melio, Ramp, Rippling

Melio

One alternative

Bank Bill Pay

against: BILL, Tipaltino first choiceagainst: Doxo, MoneyGram / Western Union Bill Pay, Prism, Quicken Bill Manager, Rocket Money, SilverBills

Kimi K2BILL

Four alternatives

AvidXchange, Melio, Rillion, Stampli

BILLHeld

Four alternatives

AvidXchange, Ramp, Stampli, Tipalti

Melio

Four alternatives

AvidXchange, BILL, Doxo, Ramp

Melio

Three alternatives

Bank Bill Pay, QuickBooks Bill Pay, Ramp

against: BILLno first choiceagainst: BILL, Melioagainst: BILL, Cash App, Dave App, Doxo, Melio, Plastiq, Venmo, Willow Pays, Zelle

GLM 4.7 FlashXBILL, Ramp

Three alternatives

AvidXchange, Stampli, Tipalti

BILLChanged

Two alternatives

AvidXchange, Tipalti

Melio

Five alternatives

Airbase, AvidXchange, BILL, Ramp, Tipalti

against: Bank Bill PayMelio, Ramp

Two alternatives

QuickBooks Bill Pay, Wave

no first choiceagainst: BILL, CheQ, Doxo, Papaya

MiniMax M2.5AvidXchange, BILL

Two alternatives

Stampli, Tipalti

HighRadiusChanged

One alternative

Plooto

Doxo

Six alternatives

Brex, Expensify, Prism, Quicken Bill Manager, Ramp, Rippling

Melio

Two alternatives

Bank Bill Pay, Ramp

no first choiceagainst: Doxo

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 21:08	yes	9	8 s
Direct recommendation	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 21:05	yes	3	6 s
Direct recommendation	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 19:08	yes	24	27 s
Direct recommendation	Perplexity Sonar	`sonar`	2026-09-17 19:57	yes	20	5 s
Direct recommendation	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 19:16	yes	40	17 s
Direct recommendation	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 19:42	yes	13	9 s
Direct recommendation	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 19:28	yes	19	27 s
Direct recommendation	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 18:55	yes	5	3 s
Direct recommendation	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 20:06	yes	5	15 s
Direct recommendation	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 20:39	yes	15	31 s
Direct recommendation	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 18:36	yes	14	46 s
Direct recommendation	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 20:24	yes	5	14 s
Paraphrase	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 20:53	yes	10	8 s
Paraphrase	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 18:32	no	0	5 s
Paraphrase	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 18:42	yes	24	24 s
Paraphrase	Perplexity Sonar	`sonar`	2026-09-17 18:17	yes	20	5 s
Paraphrase	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 19:08	yes	31	17 s
Paraphrase	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 20:16	yes	5	4 s
Paraphrase	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 18:01	yes	19	22 s
Paraphrase	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 20:11	yes	5	2 s
Paraphrase	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 21:05	yes	7	50 s
Paraphrase	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 19:15	yes	10	19 s
Paraphrase	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 19:12	no	0	24 s
Paraphrase	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 18:10	yes	5	10 s
Comparative	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 20:36	yes	9	7 s
Comparative	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 20:15	yes	5	8 s
Comparative	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 21:19	yes	8	58 s
Comparative	Perplexity Sonar	`sonar`	2026-09-17 21:02	yes	20	16 s
Comparative	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 19:51	yes	16	15 s
Comparative	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 17:56	yes	5	6 s
Comparative	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 20:00	yes	15	20 s
Comparative	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 20:59	yes	5	3 s
Comparative	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 20:18	yes	5	25 s
Comparative	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 19:11	yes	7	22 s
Comparative	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 20:48	yes	5	85 s
Comparative	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 19:22	yes	7	29 s
Budget constrained	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 17:54	yes	9	7 s
Budget constrained	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 18:22	yes	2	5 s
Budget constrained	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 18:49	yes	23	22 s
Budget constrained	Perplexity Sonar	`sonar`	2026-09-17 18:06	yes	20	4 s
Budget constrained	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 19:38	yes	37	16 s
Budget constrained	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 20:21	yes	5	4 s
Budget constrained	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 18:25	yes	8	10 s
Budget constrained	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 19:28	yes	5	2 s
Budget constrained	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 20:58	yes	5	15 s
Budget constrained	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 20:08	yes	8	19 s
Budget constrained	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 18:21	yes	15	29 s
Budget constrained	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 18:17	yes	10	37 s
Scale constrained	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 18:20	no	0	7 s
Scale constrained	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 20:31	no	0	4 s
Scale constrained	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 20:15	yes	9	20 s
Scale constrained	Perplexity Sonar	`sonar`	2026-09-17 19:49	yes	18	12 s
Scale constrained	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 20:24	yes	14	11 s
Scale constrained	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 18:16	no	0	7 s
Scale constrained	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 21:05	yes	20	22 s
Scale constrained	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 20:55	yes	5	3 s
Scale constrained	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 18:53	no	0	24 s
Scale constrained	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 20:04	yes	14	73 s
Scale constrained	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 18:40	yes	25	104 s
Scale constrained	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 20:32	no	0	10 s
Negative framing	Claude Haiku 4.5	`claude-haiku-4-5-20251001`	2026-09-17 21:00	yes	26	14 s
Negative framing	GPT-5.4 mini	`gpt-5.4-mini-2026-03-17`	2026-09-17 18:29	no	0	3 s
Negative framing	Gemini 3.5 Flash	`gemini-3.5-flash`	2026-09-17 17:56	yes	18	20 s
Negative framing	Perplexity Sonar	`sonar`	2026-09-17 20:53	yes	20	7 s
Negative framing	Grok 4.1 Fast	`spacexai/grok-4.1-fast-non-reasoning via vertex`	2026-09-17 19:06	yes	41	17 s
Negative framing	Mistral Small	`mistral/mistral-small via mistral`	2026-09-17 18:02	yes	5	6 s
Negative framing	DeepSeek V4 Flash	`deepseek/deepseek-v4-flash via fireworks`	2026-09-17 20:07	yes	26	25 s
Negative framing	Llama 4 Maverick	`meta/llama-4-maverick via bedrock`	2026-09-17 20:54	yes	5	3 s
Negative framing	Qwen 3.7 Flash	`alibaba/qwen3.7-flash via alibaba`	2026-09-17 19:29	yes	15	29 s
Negative framing	Kimi K2	`moonshotai/kimi-k2 via novita`	2026-09-17 20:48	yes	29	36 s
Negative framing	GLM 4.7 FlashX	`zai/glm-4.7-flashx via zai`	2026-09-17 20:34	yes	14	27 s
Negative framing	MiniMax M2.5	`minimax/minimax-m2.5 via minimax`	2026-09-17 19:00	yes	5	14 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.com read as BILL

Bill.com read as BILL

Bill.com (BILL) read as BILL

Divvy read as BILL Spend & Expense

Ramp Bill Pay read as Ramp

Unresolved, counted raw

Anthroway

CheQ

Dave App

Everyday Money Management

Finexio

Fiserv/CheckFree

Kounta

Mint Bills

MoneyGram / Western Union Bill Pay

MyCheckFree

Origin

Paymentus/Finovera

TimelyBills / Prism

Your Bank\u2019s Mobile App

Discontinued, still offered

No shut-down product was recommended here.

Business bill pay

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 treasury and cash