Cross-border payments and FX
Asked as “cross-border payments platform for businesses”, and as “FX hedging and international payments tool”, on behalf of a mid-market B2B company. 51 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
39%
Contested · Airwallex 20%
39Wise Business20Airwallex12Tipalti29others
39% of first choices, contested.
Since September 2026▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Wise Business held the lead, +4 points on 35%, inside the 10-point floor.
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
Wise Business68%Clear leader▼−3Since September 2026: 73% → 70%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketWise Business39%Contested▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageEnterprise
Airwallex22%Contested↗new leaderNew leader since September 2026: Airwallex (24%) replaces Thunes (22% then, 4% now), 20 points clear, past the 10-point floor.Standing →
Wise Business68%Clear leader▼−3Since September 2026: 73% → 70%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketWise Business39%Contested▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.This pageEnterpriseAirwallex22%Contested↗new leaderNew leader since September 2026: Airwallex (24%) replaces Thunes (22% then, 4% now), 20 points clear, past the 10-point floor.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01Wise Business39%12%69endorsed leader▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.35% → 39%
Wise Business39%12%69endorsed leader▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.35% → 39%02Airwallex20%4%52accepted challenger▼−14Since September 2026: 33% → 18%, −14 points. Past the 10-point floor: movement. Read over the models both editions asked.33% → 18%
Airwallex20%4%52accepted challenger▼−14Since September 2026: 33% → 18%, −14 points. Past the 10-point floor: movement. Read over the models both editions asked.33% → 18%03
Tipalti12%0%18accepted challenger▲+11Since September 2026: 2% → 14%, +11 points. Past the 10-point floor: movement. Read over the models both editions asked.2% → 14%
Tipalti12%0%18accepted challenger▲+11Since September 2026: 2% → 14%, +11 points. Past the 10-point floor: movement. Read over the models both editions asked.2% → 14%04
Corpay Cross-Border Payments4%0%15accepted challenger▼−2Since September 2026: 7% → 5%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 5%
Corpay Cross-Border Payments4%0%15accepted challenger▼−2Since September 2026: 7% → 5%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 5%05
OFX4%0%14accepted challenger▼−2Since September 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 2%
OFX4%0%14accepted challenger▼−2Since September 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 2%06
Payoneer2%9%33accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 2%
Payoneer2%9%33accepted challenger▲+2Since September 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 2%Show the seven products at 0%, ordered by negative rate
13
PayPal0%73%15criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
PayPal0%73%15criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%12
Western Union0%60%10criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Western Union0%60%10criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%11
Remitly0%30%10criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Remitly0%30%10criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%10
Revolut Business0%18%17accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Revolut Business0%18%17accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%07
Stripe0%7%29accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Stripe0%7%29accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%08
Adyen0%0%15accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Adyen0%0%15accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%09
Thunes0%0%11accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Thunes0%0%11accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
Head to head
All fifteen head-to-head pages: the top six products, each against each
Wise Business vs OFXWise Business vs PayoneerAirwallex vs TipaltiAirwallex vs Corpay Cross-Border PaymentsAirwallex vs OFXAirwallex vs PayoneerTipalti vs Corpay Cross-Border PaymentsTipalti vs OFXTipalti vs PayoneerCorpay Cross-Border Payments vs OFXCorpay Cross-Border Payments vs PayoneerOFX vs Payoneer
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 →
01020304050607080910111213Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Wise Business39%
Wise Business39%02Airwallex20%
Airwallex20%03Tipalti12%
Tipalti12%04Corpay Cross-Border Payments4%
Corpay Cross-Border Payments4%05OFX4%
OFX4%06Payoneer2%
Payoneer2%07Stripe0%
Stripe0%08Adyen0%
Adyen0%09Thunes0%
Thunes0%10Revolut Business0%
Revolut Business0%11Remitly0%
Remitly0%12Western Union0%
Western Union0%13PayPal0%
PayPal0%What they warned about
Zero of fourteen models held their first choice under the paraphrase. 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, GPT-6 Luna and Muse Glimmer 30B 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.
PayPal73%
11 of 15 labels negative · 7 of 14 models · 1 hard negative
“Avoid traditional banks (3\u20135% total costs) and PayPal (can approach ~8% with fees and FX markups)” DeepSeek V4 Flash, budget prompt
Western Union60%
6 of 10 labels negative · 5 of 14 models · 1 hard negative
“Multiple class-action lawsuits (2024) regarding: Illegally holding deposited funds for commercial benefit” Kimi K2, negative prompt
Wise Business12%
8 of 69 labels negative · 5 of 14 models · 1 hard negative
“What to Avoid for Hedging Needs: **Wise Business** ... it offers **no FX hedging tools**” DeepSeek V4 Flash, paraphrase prompt
MoneyGram62%
5 of 8 labels negative · 4 of 14 models · 1 hard negative
“Western Union & MoneyGram - Multiple class-action lawsuits (2024)” Kimi K2, negative prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
82 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 1056 links across 272 sites, every framing counted. Ranked by the number of answers carrying the site or page. 2 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · Airwallex42 answers · 69 citations · 14 models
vendor site · HighRadius33 answers · 37 citations · 12 models
32 answers · 70 citations · 11 models
vendor site · Tipalti32 answers · 35 citations · 12 models
vendor site · XTransfer24 answers · 45 citations · 9 models
24 answers · 28 citations · 9 models
vendor site · Guideflow23 answers · 23 citations · 10 models
vendor site · Stripe18 answers · 25 citations · 10 models
18 answers · 18 citations · 8 models
vendor site · ConnectPay17 answers · 23 citations · 10 models
vendor site · Payoneer17 answers · 18 citations · 10 models
17 answers · 17 citations · 10 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.
34 answers · 13 models
32 answers · 12 models
29 answers · 11 models
23 answers · 10 models
18 answers · 8 models
17 answers · 9 models
16 answers · 9 models
16 answers · 10 models
15 answers · 10 models
11 answers · 7 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best cross-border payments platform for businesses”, “cross-border payment platforms”, “cross-border payments platform for businesses”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Wise Business wise.com | 39% | 292 | 1,900 | 167 | 158,520,306 | $81 | 78 | |
| Airwallex airwallex.com | 20% | 308 | 27,100 | 416 | 420,414 | $56,832 | 45 | 5 |
| Tipalti tipalti.com | 12% | 517 | 18,100 | 381 | 213,652 | $83,363 | 120 | 4 |
| FXGuard | 8% | |||||||
| iBanFirst ibanfirst.com | 6% | 8 | ||||||
| Corpay corpay.com Corpay Cross-Border Payments 4% | 4% | 35 | 14,800 | 531 | 25,659 company | $4,482 | 12 | 5 |
| OFX ofx.com | 4% | 42 | 6,600 | 434 | 7,511,219 | $2,840 | 76 | |
| Payoneer payoneer.com | 2% | 116 | 49,500 | 1,071 | 42,477 | $192 | 14 | 3 |
| Kantox kantox.com | 2% | 13 | 140 | 4 | 16,755 | 0 | ||
| Ebury ebury.com | 2% | 7 | 720 | 57 | 987 |
Google's top ten for the three searches hold 15 sites; 6 of them are among the sites the models cited here (airwallex.com, connectpay.com, highradius.com, payoneer.com, stripe.com, tipalti.com). The first result for “best cross-border payments platform for businesses” is connectpay.com.
How 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.ShowHide
How 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.
ShowHideModelDirect“What is the best cross-border payments platform for businesses for a mid-market B2B company?”Paraphrase“Which FX hedging and international payments tool would you recommend to a mid-sized B2B company?”Comparative“What are the top cross-border payment platforms and how do they differ?”Budget-constrained“What is the best cross-border payments platform for businesses for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a cross-border payments platform for businesses. What should we look at?”Negative“Which cross-border payment platforms should I avoid or be cautious about?”
Claude Haiku 4.5no first choiceWise BusinessChangedno first choiceWise Businessno first choicenothing named
Four alternatives
Airwallex, Thunes, Tipalti, Wise BusinessThree alternatives
Convera, Corpay Cross-Border Payments, HedgeFlowsTwo alternatives
Payoneer, StripeGPT-5.4 miniWise Businessagainst: AirwallexCorpay Cross-Border PaymentsChangedWise Businessagainst: PayPalWise Businessagainst: Payoneer, Stripeno first choiceagainst: Bazar Money Transfer, Sendsii
Two alternatives
Payoneer, StripeTwo alternatives
Airwallex, Wise BusinessThree alternatives
Airwallex, Payoneer, StripeOne alternative
AirwallexGemini 3.5 FlashAirwallex, Tipaltiagainst: PayPal, StripeCorpay Cross-Border PaymentsChangedagainst: Revolut Business, Wise Businessno first choiceWise BusinessAirwallex, Convera, Wise Businessagainst: Barclays, Cash App, Chase, KuCoin, OKX, Remitly, Revolut Business, Venmo, Wells Fargo, WorldRemit, Zelle
Three alternatives
Corpay Cross-Border Payments, Ebury, Wise BusinessThree alternatives
Airwallex, Ebury, KantoxNine alternatives
Adyen, Airwallex, Nium, OFX, Payoneer, Ripple, Stripe, Thunes, Wise BusinessTwo alternatives
Airwallex, Revolut BusinessFive alternatives
Nium, Ramp, Stripe, Thunes, TipaltiPerplexity SonarTipaltiagainst: Wise BusinessiBanFirstChangedagainst: KyribaAirwallex, Wise BusinessWise Businessagainst: Bluevineno first choicenothing named
One alternative
AirwallexTwo alternatives
Bound, KantoxFour alternatives
OFX, Payoneer, Stripe, TipaltiTwo alternatives
Airwallex, OFXGrok 4.1 FastAirwallexKantox, iBanFirstChangedagainst: Airwallex, Barclays, HSBC, Wise BusinessWise Businessagainst: PayPalWise Businessagainst: PayPal, RemitlyAirwallexagainst: Crosspay, MoneyGram, Western Union, Wise Business, Xoom
Two alternatives
Tipalti, Wise BusinessOne alternative
EburyFour alternatives
Adyen, Airwallex, Payoneer, StripeThree alternatives
Airwallex, Payoneer, StripeThree alternatives
Payoneer, Stripe Treasury, Wise BusinessMistral SmallTipaltiFXGuardChangedAirwallexWise Businessno first choiceagainst: Traditional Banks via SWIFT Transfers
Two alternatives
Airwallex, NiumTwo alternatives
Everfex, Wise BusinessEight alternatives
Flywire, MoneyGram, Nium, Payoneer, Rapyd, Stripe Connect, Thunes, Wise BusinessTwo alternatives
Airwallex, PayoneerDeepSeek V4 FlashAirwallexagainst: Wise BusinessOFXChangedagainst: Wise BusinessWise Businessagainst: PayPalWise Businessagainst: PayPalno first choiceagainst: Bankio, MoneyGram, PayPal, Payoneer, Ria, Western Union, Worldpay
Three alternatives
Corpay Cross-Border Payments, Thunes, TipaltiThree alternatives
HedgeFlows, Kantox, WorldFirstSix alternatives
Adyen, Airwallex, Payoneer, Remitly, Stripe, ThunesTwo alternatives
Airwallex, PayoneerLlama 4 MaverickWise BusinessiBanFirstChangedAirwallexWise Businessno first choicenothing named
One alternative
XTransferFour alternatives
Bound, Convera, Corpay Cross-Border Payments, KantoxThree alternatives
Airwallex, Guideflow, TipaltiQwen 3.7 FlashAirwallexFXGuardChangedno first choiceagainst: XoomWise Businessno first choiceagainst: HSBC, J.P. Morganagainst: Western Union
Two alternatives
Tipalti, Wise BusinessFour alternatives
Airwallex, Hedgebook, MoneyCorp, Wise BusinessSeven alternatives
Adyen, Airwallex, HighRadius, Payoneer, Revolut Business, Stripe, Wise BusinessTwo alternatives
Airwallex, PayoneerKimi K2Airwallex, TipaltiWise BusinessChangedagainst: ConveraWise Businessagainst: MoneyGram, PayPal, Western UnionPayoneer, Wise Businessno first choiceagainst: Cash App, MoneyGram, PayPal, Remitly, Venmo, Western Union, Zelle
One alternative
Wise BusinessFour alternatives
Airwallex, Corpay Cross-Border Payments, Kantox, OFXFive alternatives
Airwallex, Payoneer, Remitly, Revolut Business, StripeOne alternative
AirwallexGLM 4.7 FlashXTipaltiEburyChangedagainst: HSBC, Wise BusinessWise BusinessWise Businessno first choiceagainst: Cash App, OhentPay, Remittix.io, Venmo, Zelle
Three alternatives
Airwallex, OFX, Wise BusinessOne alternative
CurrencyTransferTen alternatives
Adyen, Airwallex, Currencycloud, MoneyGram, Nium, PayPal, Payoneer, Revolut Business, Stripe, Western UnionFour alternatives
Airwallex, BILL, Skydo, StripeMiniMax M2.5Airwallex, TipaltiFXGuardChangedWise Businessagainst: PayPalWise Businessagainst: Payoneerno first choicenothing named
One alternative
Wise BusinessTwo alternatives
Everfex, Wise BusinessThree alternatives
Adyen, ConnectPay, StripeOne alternative
AirwallexGPT-6 LunaAirwallexOFXChangedAirwallex, Wise BusinessWise Businessno first choiceagainst: Sendwave, Small World Money Transfer, UniTeller
Two alternatives
Corpay Cross-Border Payments, Wise BusinessOne alternative
Corpay Cross-Border PaymentsSix alternatives
Payoneer, Remitly, Revolut Business, Stripe Connect, Western Union, XoomThree alternatives
Airwallex, Payoneer, StripeMuse Glimmer 30BAirwallex, Wise BusinessFXGuardChangedWise Businessagainst: PayPalWise Businessagainst: Revolut Businessno first choiceagainst: MoneyGram, Ria, Western Union, Xoom
Three alternatives
Ebury, Thunes, TipaltiTwo alternatives
Corpay Cross-Border Payments, DBS SecureFX + GlobeSendFour alternatives
MoneyGram, Remitly, Revolut Business, Western UnionTwo alternatives
OFX, PayoneerBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The 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
Eighty-four 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 | 2026-10-01 11:02 | yes | 18 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:55 | yes | 4 | 6 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:21 | yes | 15 | 25 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 10:33 | yes | 17 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:18 | yes | 21 | 9 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:12 | yes | 8 | 6 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:54 | yes | 18 | 64 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:49 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:05 | yes | 5 | 19 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:55 | yes | 11 | 19 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:42 | yes | 20 | 83 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:43 | yes | 9 | 17 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:25 | yes | 3 | 17 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:55 | yes | 13 | 25 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:23 | yes | 18 | 10 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:38 | yes | 3 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:32 | yes | 13 | 22 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 09:24 | yes | 23 | 5 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:17 | yes | 21 | 7 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:16 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:20 | yes | 22 | 33 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:04 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:53 | yes | 10 | 30 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:40 | yes | 20 | 25 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:22 | yes | 16 | 33 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:26 | yes | 5 | 17 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:52 | yes | 3 | 22 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:41 | yes | 10 | 33 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:59 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:56 | yes | 3 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:32 | yes | 10 | 21 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 11:17 | yes | 18 | 6 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 07:44 | yes | 21 | 8 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:00 | yes | 5 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:40 | yes | 22 | 49 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:46 | yes | 5 | 1 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:40 | yes | 5 | 22 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:21 | yes | 19 | 43 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:54 | yes | 19 | 32 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:31 | yes | 15 | 26 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:11 | yes | 9 | 21 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:24 | yes | 15 | 30 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:58 | yes | 9 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:27 | yes | 3 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:14 | yes | 15 | 23 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 08:30 | yes | 18 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:07 | yes | 18 | 7 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:47 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:05 | yes | 24 | 18 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:55 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:56 | yes | 5 | 20 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:01 | yes | 18 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:35 | yes | 13 | 80 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:19 | yes | 8 | 24 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:16 | yes | 4 | 15 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:57 | yes | 12 | 13 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:53 | yes | 17 | 14 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:53 | yes | 4 | 5 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:29 | yes | 14 | 21 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 10:03 | yes | 18 | 5 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:59 | yes | 15 | 9 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:23 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:15 | yes | 20 | 43 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:48 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:30 | yes | 5 | 23 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:36 | yes | 24 | 28 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:58 | yes | 18 | 19 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:49 | yes | 5 | 30 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:50 | yes | 3 | 24 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:22 | yes | 14 | 29 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:04 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:28 | yes | 6 | 12 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:50 | yes | 24 | 27 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 09:01 | yes | 22 | 6 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:04 | yes | 23 | 8 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:32 | yes | 5 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:31 | yes | 25 | 23 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:43 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:46 | yes | 15 | 40 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:47 | yes | 25 | 25 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:42 | yes | 25 | 53 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:51 | no | 0 | 8 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:09 | yes | 5 | 13 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:31 | yes | 23 | 32 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
Corpay read as Corpay Cross-Border Payments
Corpay (Visa) read as Corpay Cross-Border Payments
Corpay (formerly FleetCor) read as Corpay Cross-Border Payments
Corpay Cross-Border read as Corpay Cross-Border Payments
Unresolved, counted raw
Bankio
Bazar Money Transfer
Crosspay
CurrencyTransfer
Currenxie
DBS SecureFX + GlobeSend
Instarem
KuCoin
Modulr
OhentPay
Paysend
Remittix.io
Sendsii
Sendwave
Small World Money Transfer (Choice Money Transfer)
StoneX
Traditional Banks via SWIFT Transfers
TransferGo
UniTeller
World First
Discontinued, still offered
No shut-down product was recommended here.