Business bill pay · September 2026 Edition
BILL vs Bank Bill Pay
Seven of twelve models named BILL first on the direct prompt; zero named Bank Bill Pay. BILL was named by twelve of the twelve models and Bank Bill Pay by eleven and BILL carries 51 labels and Bank Bill Pay 17, so the shares are not directly comparable.
Named in twelve categories this edition.
Named in one category this edition.
First-choice share35%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate27%6%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#7A position in a field of 10; printed, not drawn.
Labels5117A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, BILL reading right to left. Rank and label count are printed, not drawn.AvidXchange was named alongside these two in nine of the twelve direct answers. BILL vs Melio · BILL vs Ramp · BILL vs Tipalti
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; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the business bill pay page.
By framing
How many of the twelve models made each the first choice, per way of asking, and how many argued against it.
BILLFirst choices, of twelve modelsBank Bill Pay
Direct701 against BILL
Paraphrase70
Comparative411 against Bank Bill Pay
Budget-constrained017 against BILL
Scale-constrained101 against BILL
Negative035 against BILL
Bars are first choices, 0 to 12 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to twelve.
Every model, every framing
The seventy-two answers behind the chart above, one cell each: where BILL and Bank Bill Pay 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 | | |
BILL Bank Bill Pay first choice named as an alternative argued againstblank: not namedEach cell is one answer, BILL on the left and Bank Bill Pay on the right.The direct prompt
The plain question, one answer per model, grouped by where BILL and Bank Bill Pay stood in it.
BILL first, Bank Bill Pay not the choice
7 of 12 modelsBank Bill Pay was named in the answer but not as the choice, or not at all.Perplexity SonarBILL alternatives: AvidXchange, Ramp, Stampli, Tipalti
Grok 4.1 FastBILL alternatives: AvidXchange, Ramp, Stampli, Tipalti
Mistral SmallBILL alternatives: AvidXchange, Finexio
Qwen 3.7 FlashBILL alternatives: AvidXchange, Ramp, Tipalti
Kimi K2BILL alternatives: AvidXchange, Melio, Rillion, Stampli
GLM 4.7 FlashXBILL, Ramp alternatives: AvidXchange, Stampli, Tipalti
MiniMax M2.5AvidXchange, BILL alternatives: Stampli, Tipalti
Neither was the first choice, one was named
3 of 12 modelsThe answer put something else first and named one of the two as an alternative.Claude Haiku 4.5MineralTree alternatives: BILL, EBizCharge, Rillion, Versapay
GPT-5.4 miniTipalti alternatives: BILL, Ramp
DeepSeek V4 FlashTipalti alternatives: AvidXchange, BILL, Ramp, Stampli
Neither was named
2 of 12 modelsThe answer made no first choice from these two in this category.Gemini 3.5 FlashStampli alternatives: Airbase, AvidXchange, Ramp, Tipalti
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 leads by nineteen points.
BILL23%#2 of 7Bank Bill Pay4%#4 of 7Mid-marketThe figures above
BILL leads by thirty-three points.
BILL35%#1 of 10Bank Bill Pay2%#7 of 10Enterprise
Bank Bill Pay is not named for this buyer.
BILL5%#4 of 9Bank Bill Pay—not namedWhat the models said about BILL
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of four in this category shown.
“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 · hard negative
“BILL is widely adopted by nearly half a million businesses, with users citing improved visibility, faster reconciliation, and reduced manual work” Claude Haiku 4.5 · paraphrase prompt · first choice
“For most mid-market B2B companies, BILL is the top choice due to its scalability, broad payment options, and strong AP automation features.” Mistral Small · direct prompt · first choice
“BILL is the heavyweight market leader... It offers the most robust internal controls, audit trails, and customizable approval workflows.” Gemini 3.5 Flash · comparative prompt · first choice
What the models said about Bank Bill Pay
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“No advanced features (no bill-tracking dashboards, no budgeting, no multi-vendor approvals).” GLM 4.7 FlashX · comparative prompt · soft negative
“using a bank's online bill pay services might be the best solution, as most of these bill pay services offered by banks are free” Claude Haiku 4.5 · budget prompt · first choice
“Use Your Bank's Native Bill Pay: Most major banks and credit unions offer free, secure online bill pay” Gemini 3.5 Flash · negative prompt · first choice
“Use your bank's built-in bill pay (e.g., via Chase, Wells Fargo)—free, direct, secure.” Grok 4.1 Fast · negative prompt · first choice
Also compared
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.