Cross-border payments and FX for small business buyers
Asked as “cross-border payments platform for businesses”, and as “FX hedging and international payments tool”, on behalf of a small B2B company. 47 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
68%
Clear leader
68Wise Business15OFX06Airwallex11others
68% of first choices, clear leader.
Since September 2026▼−3Since September 2026: 73% → 70%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Wise Business held the lead, −3 points on 73%, 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.This pageMid-marketWise Business39%Contested▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Enterprise
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.This pageMid-marketWise Business39%Contested▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →EnterpriseAirwallex22%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 small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01Wise Business68%3%72endorsed leader▼−3Since September 2026: 73% → 70%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.73% → 70%
Wise Business68%3%72endorsed leader▼−3Since September 2026: 73% → 70%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.73% → 70%02
OFX15%0%19accepted challenger▲+10Since September 2026: 2% → 12%, +10 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 12%
OFX15%0%19accepted challenger▲+10Since September 2026: 2% → 12%, +10 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 12%03Airwallex6%5%64accepted challenger▲+3Since September 2026: 5% → 8%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 8%
Airwallex6%5%64accepted challenger▲+3Since September 2026: 5% → 8%, +3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.5% → 8%04
Payoneer2%21%47accepted 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%21%47accepted 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 three products at 0%, ordered by negative rate
07
PayPal0%80%25criticized 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%80%25criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%06
Stripe0%21%29accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Stripe0%21%29accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%05
Revolut Business0%5%21accepted challenger▼−7Since September 2026: 7% → 0%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 0%
Revolut Business0%5%21accepted challenger▼−7Since September 2026: 7% → 0%, −7 points. Inside the 10-point floor: within noise. Read over the models both editions asked.7% → 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
One product takes 68% of first choices here, so the chart would put six markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. One product carries a negative rate above 25% in this category.
What they warned about
One 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, 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.
PayPal80%
20 of 25 labels negative · 11 of 14 models · 6 hard negative
“PayPal has high transaction fees, conversion charges, and regulatory issues that may affect profit... there's a risk of account holds or frozen funds” Claude Haiku 4.5, negative prompt
Payoneer21%
10 of 47 labels negative · 5 of 14 models · 3 hard negative
“Platforms to **Avoid or Be Highly Cautious With**: - **Payoneer**... sudden account restrictions/freezes without clear reasons” Grok 4.1 Fast, negative prompt
Stripe21%
6 of 29 labels negative · 5 of 14 models · 2 hard negative
“**Avoid**: Tipalti (overkill for small volume), Stripe (higher FX costs unless you need their developer tools)” Kimi K2, direct prompt
Airwallex5%
3 of 64 labels negative · 3 of 14 models · 1 hard negative
“Complaints: Frozen business funds, payment rejections, slow account verification (weeks+)” Grok 4.1 Fast, 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
77 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. 1062 links across 225 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 · Airwallex52 answers · 88 citations · 14 models
49 answers · 144 citations · 12 models
vendor site · Tipalti36 answers · 39 citations · 11 models
vendor site · XTransfer31 answers · 68 citations · 11 models
vendor site · WorldFirst25 answers · 29 citations · 12 models
23 answers · 23 citations · 10 models
vendor site · Payoneer22 answers · 23 citations · 10 models
21 answers · 21 citations · 10 models
19 answers · 22 citations · 10 models
vendor site · HighRadius19 answers · 20 citations · 11 models
vendor site · Guideflow19 answers · 19 citations · 8 models
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.
38 answers · 13 models
34 answers · 11 models
23 answers · 10 models
21 answers · 10 models
19 answers · 8 models
18 answers · 10 models
13 answers · 10 models
11 answers · 8 models
11 answers · 8 models
9 answers · 6 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 | 68% | 292 | 1,900 | 167 | 158,520,306 | $81 | 78 | |
| OFX ofx.com | 15% | 42 | 6,600 | 434 | 7,511,219 | $2,840 | 76 | |
| Airwallex airwallex.com Airwallex 6%, Airwallex Payments 0% | 6% | 308 | 27,100 | 416 | 420,414 | $56,832 | 45 | 5 |
| Payoneer payoneer.com | 2% | 116 | 49,500 | 1,071 | 42,477 | $192 | 14 | 3 |
| XTransfer xtransfer.com | 2% | 14 | 1,600 | 23 | 622,724 | |||
| WorldFirst worldfirst.com | 2% | 7 | 7 | |||||
| iBanFirst ibanfirst.com | 2% | 8 | ||||||
| Ebury ebury.com | 2% | 7 | 720 | 57 | 987 | |||
| Revolut Business revolut.com | 0% | 43 | 3,600 | 179 | 45,913,008 | $873 | 62 | |
| Stripe stripe.com | 0% | 361 | 823,000 | 102,741 | 3,226,782 | $3,621 | 102 | 2 |
Google's top ten for the three searches hold 15 sites; 5 of them are among the sites the models cited here (airwallex.com, highradius.com, payoneer.com, tipalti.com, worldfirst.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 small B2B company?”Paraphrase“Which FX hedging and international payments tool would you recommend to a small business that sells to other businesses?”Comparative“What are the top cross-border payment platforms for a small team and how do they differ?”Budget-constrained“What is the best cross-border payments platform for businesses for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a cross-border payments platform for businesses. What should we look at?”Negative“Which cross-border payment platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5Wise Businessno first choiceChangedWise BusinessWise Businessno first choiceagainst: Global Payments, PayPal
Three alternatives
Airwallex, Payoneer, ThunesThree alternatives
Airwallex, Payoneer, StripeThree alternatives
Airwallex, Cashfree Payments, Revolut BusinessGPT-5.4 miniWise BusinessAirwallexChangedAirwallex, Wise BusinessWise Businessno first choicenothing named
Three alternatives
Airwallex, OFX, PayoneerOne alternative
Wise BusinessTwo alternatives
Payoneer, StripeTwo alternatives
Airwallex, PayoneerGemini 3.5 FlashWise BusinessOFXChangedagainst: Wise BusinessAirwallex, Wise Businessagainst: PayoneerWise Businessagainst: PayPalno first choiceagainst: MoneyGram, PayPal, Payoneer, Western Union
Three alternatives
Airwallex, OFX, VeemThree alternatives
Airwallex, Alt21, EburyThree alternatives
Deel, Gusto Global, Revolut BusinessThree alternatives
Airwallex, Revolut Business, VeemFour alternatives
Airwallex, Brex, Ramp, Wise BusinessPerplexity SonarWise BusinessWorldFirstChangedWise BusinessWise Businessagainst: Airwallex, PayPal, Stripeno first choicenothing named
Two alternatives
Airwallex, XTransferFour alternatives
Airwallex, FXGuard, Kantox, Wise BusinessFour alternatives
Airwallex, BILL, Payoneer, VeemOne alternative
PayoneerGrok 4.1 FastWise Businessagainst: Banks/SWIFT, PayPalEbury, iBanFirstChangedWise Businessagainst: PayPalWise Businessagainst: PayPal, Traditional banksAirwallex, Wise Businessagainst: Airwallex, Checkout.com, Payoneer, SWIFT, Xoom
Four alternatives
Airwallex, Stripe, Tipalti, TrolleyTwo alternatives
Airwallex, Wise BusinessThree alternatives
Airwallex, Payoneer, StripeTwo alternatives
Airwallex, PayoneerTwo alternatives
Payoneer, StripeMistral SmallWise BusinessWise BusinessHeldWise Businessagainst: PayPalWise Businessno first choicenothing named
Three alternatives
Airwallex, Thunes, TipaltiTwo alternatives
OFX for Business, Revolut BusinessThree alternatives
Airwallex, Nium, StripeTwo alternatives
Airwallex, PayoneerDeepSeek V4 FlashWise Businessagainst: StripeOFXChangedagainst: Airwallex, Convera, CurrencyFairWise Businessagainst: PayPal, PayoneerWise Businessagainst: PayPal, Payoneerno first choiceagainst: PayPal, Payoneer, Traditional Bank SWIFT Wire Transfers
Two alternatives
Airwallex, TipaltiOne alternative
Wise BusinessTwo alternatives
Airwallex, Revolut BusinessOne alternative
AirwallexLlama 4 MaverickWise Businessno first choiceChangedWise BusinessWise Businessno first choicenothing named
Four alternatives
Airwallex, Tipalti, Trolley, XTransferTwo alternatives
Airwallex, NiumTwo alternatives
Payoneer, XTransferQwen 3.7 FlashAirwallex, Wise BusinessOFXChangedagainst: HSBC, Wells Fargo, Wise BusinessWise BusinessWise Businessno first choiceagainst: Cash App, Standard Personal PayPal, Venmo
Two alternatives
Thunes, TipaltiOne alternative
AirwallexTwo alternatives
Airwallex, PayoneerTwo alternatives
Airwallex, PayoneerKimi K2Wise Businessagainst: Stripe, TipaltiOFXChangedagainst: Revolut BusinessWise Businessagainst: PayPalWise Businessagainst: PayPal, StripeWise Businessagainst: Global Payments, PayPal, Razorpay, Zelle, dLocal
Two alternatives
Airwallex, PayoneerThree alternatives
Airwallex, Wise Business, WorldFirstThree alternatives
Airwallex, Payoneer, Revolut BusinessTwo alternatives
Airwallex, PayoneerTwo alternatives
Airwallex, PayoneerGLM 4.7 FlashXWise BusinessOFXChangedWise Businessagainst: PayPal, PayoneerWise Businessagainst: PayPalno first choiceagainst: Adyenagainst: Adyen, Checkout.com, PayPal, Payoneer, Stripe
Four alternatives
Airwallex, Payoneer, Thunes, XTransferThree alternatives
Corpay Cross-Border Payments, Revolut Business, iBanFirstThree alternatives
Airwallex Payments, Revolut Business, StripeOne alternative
AirwallexMiniMax M2.5Wise BusinessPayoneer, Wise BusinessChangedWise BusinessWise Businessagainst: Payoneerno first choiceagainst: Adyen, PayPal, Payoneer
Two alternatives
Airwallex, TipaltiThree alternatives
Currencycloud, OFX, WorldFirstThree alternatives
Airwallex, Payoneer, StripeTwo alternatives
Airwallex, StripeGPT-6 LunaWise BusinessOFXChangedAirwallex, Wise BusinessWise Businessno first choiceagainst: PayPal, Stripe
One alternative
AirwallexOne alternative
Corpay Cross-Border PaymentsThree alternatives
Payoneer, Revolut Business, StripeTwo alternatives
Airwallex, PayoneerMuse Glimmer 30BWise Business, XTransferOFXChangedWise BusinessWise Businessno first choiceagainst: MoneyGram, PayPal, Western Union
Three alternatives
Melio, OFX, PayoneerFour alternatives
Bound, FXGuard, Kantox, Wise BusinessTwo alternatives
Airwallex, Revolut BusinessThree alternatives
Airwallex, Payoneer, Revolut BusinessBold 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 09:36 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:57 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:12 | yes | 14 | 24 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 07:37 | yes | 17 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:14 | yes | 23 | 9 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:44 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:58 | yes | 19 | 23 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:13 | yes | 5 | 1 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:37 | yes | 5 | 15 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:10 | yes | 13 | 24 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:28 | yes | 23 | 113 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:09 | yes | 7 | 23 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:10 | yes | 2 | 13 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:34 | yes | 15 | 27 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:05 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:36 | yes | 5 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:03 | yes | 11 | 25 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 07:45 | yes | 33 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:51 | yes | 23 | 6 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:16 | yes | 19 | 7 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:57 | yes | 23 | 24 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:09 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:01 | yes | 10 | 77 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:17 | yes | 19 | 22 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:50 | yes | 19 | 22 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:03 | no | 0 | 50 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:49 | yes | 4 | 17 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:36 | yes | 14 | 23 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:00 | yes | 18 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:41 | yes | 6 | 7 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:20 | yes | 15 | 29 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 10:02 | yes | 16 | 6 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:27 | yes | 22 | 9 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:02 | yes | 9 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:46 | yes | 23 | 35 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:57 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:05 | yes | 10 | 23 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:44 | yes | 15 | 27 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:24 | yes | 23 | 35 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 07:52 | yes | 9 | 18 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:21 | yes | 5 | 15 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:01 | yes | 23 | 54 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:30 | yes | 9 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:00 | yes | 4 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:47 | yes | 14 | 22 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 09:20 | yes | 18 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:16 | yes | 22 | 7 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:58 | yes | 5 | 2 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:41 | yes | 23 | 25 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:33 | yes | 5 | 1 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:49 | yes | 5 | 13 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:46 | yes | 20 | 20 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:45 | yes | 15 | 61 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:07 | yes | 15 | 29 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:09 | yes | 3 | 12 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:28 | yes | 10 | 23 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:28 | no | 0 | 8 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:31 | yes | 7 | 7 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:05 | yes | 12 | 23 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 08:21 | yes | 18 | 6 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 07:31 | yes | 18 | 11 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:07 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:25 | no | 0 | 23 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:21 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:41 | no | 0 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:32 | yes | 24 | 24 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:46 | yes | 10 | 19 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:13 | yes | 5 | 13 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:39 | yes | 3 | 36 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:14 | no | 0 | 3 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:36 | yes | 18 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:15 | yes | 6 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:50 | yes | 20 | 24 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 08:20 | yes | 20 | 7 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:57 | yes | 25 | 9 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:37 | yes | 12 | 8 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:41 | yes | 24 | 35 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:49 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:13 | yes | 20 | 59 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:46 | yes | 24 | 20 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:14 | yes | 25 | 47 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:57 | yes | 18 | 53 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:43 | yes | 5 | 18 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:59 | yes | 25 | 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
Unresolved, counted raw
Airwallex Payments
Banks/SWIFT
Cashfree Payments
Commerce Bank
CurrencyFair
Gusto Global
HSBC UAE
OFX for Business
Standard Personal PayPal
TorFX
Traditional Bank SWIFT Wire Transfers
Discontinued, still offered
No shut-down product was recommended here.