Finance AI Index
Index › Treasury and cash › Cross-border payments › Small business › September 2026 Edition

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. 44 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing
Wise Business
Clear leader
73% of first choices, clear leader.
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 businessWise Business73%Clear leaderThis pageMid-marketWise Business35%ContestedStanding →EnterpriseThunes22%ContestedStanding →

01The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Wise Business73%5%64endorsed leader
02Revolut Business7%22%18accepted challenger
03Airwallex5%6%49accepted challenger
04Stripe2%18%17accepted challenger
05OFX2%0%10accepted challenger
Show the three products at 0%, ordered by negative rate
08PayPal0%73%15criticized challenger
07Thunes0%43%14criticized challenger
06Payoneer0%26%38criticized 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
Wise Business vs AirwallexWise Business vs Corpay Cross-BorderAirwallex vs Corpay Cross-Border

One product takes 73% of first choices here, so the chart would put seven 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. Three products carry a negative rate above 25% in this category. Jump to the standing

02What they warned about

One of twelve 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 and GLM 4.7 FlashX 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.
Payoneer
26%
10 of 38 labels negative · 8 of 12 models · 2 hard negative
“Platforms to Avoid or Approach with High Caution:** 1. **Payoneer** - **Key issues:** High fees ... frequent account blocks/freezes” Grok 4.1 Fast, negative prompt
PayPal
73%
11 of 15 labels negative · 7 of 12 models · 5 hard negative
“PayPal, in particular, is known for high fees and less transparent pricing, making it expensive for small businesses.” Mistral Small, negative prompt
Revolut Business
22%
4 of 18 labels negative · 4 of 12 models · 1 hard negative
“Platforms with Significant Red Flags ... **1. Revolut (Business Accounts)** ... **Highest fraud complaints**” Kimi K2, negative prompt
Thunes
43%
6 of 14 labels negative · 4 of 12 models · 1 hard negative
“Avoid for small B2B: Enterprise-focused like Thunes/Nium (API-heavy, less SMB-friendly)” Grok 4.1 Fast, direct 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

66 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. 802 links across 210 sites, every framing counted. Ranked by the number of answers carrying the site or page.

airwallex.com
vendor site · Airwallex40 answers · 76 citations · 10 models
xtransfer.com
vendor site · XTransfer27 answers · 56 citations · 8 models
wise.com
25 answers · 58 citations · 8 models
connectpay.com
vendor site · ConnectPay24 answers · 27 citations · 10 models
luhhu.com
22 answers · 22 citations · 9 models
guideflow.com
vendor site · Guideflow21 answers · 21 citations · 8 models
tipalti.com
vendor site · Tipalti20 answers · 20 citations · 10 models
theindustryleaders.org
18 answers · 18 citations · 9 models
allscale.io
16 answers · 16 citations · 7 models
f6s.com
15 answers · 30 citations · 9 models
worldfirst.com
vendor site · WorldFirst12 answers · 18 citations · 8 models
payoneer.com
vendor site · Payoneer10 answers · 11 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.

connectpay.com/blog/cross-border-payments-companies
24 answers · 10 models
luhhu.com/blog/top-cross-border-payment-platforms-or-global-money-transfers
22 answers · 9 models
guideflow.com/blog/cross-border-payments-software
21 answers · 8 models
tipalti.com/blog/cross-border-payment-platforms
19 answers · 10 models
airwallex.com/en-us/blog/cross-border-payment-services-solutions
18 answers · 9 models
theindustryleaders.org/post/10-best-b2b-cross-border-payment-solutions-rank…
18 answers · 9 models
allscale.io/posts/best-cross-border-payment-solutions-for-smbs
16 answers · 7 models
xtransfer.com/blog/best-b2b-cross-border-payment-platforms-2026
13 answers · 7 models
fintechly.com/payments/payments-cross-border-payment-services-smes
10 answers · 7 models
flowster.app/best-b2b-cross-border-payment-solutions
10 answers · 7 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 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 Business
Two alternativesAirwallex, Thunes
Stripe, Wise BusinessChangedWise Business
Three alternativesAirwallex, Payoneer, Stripe
Wise Business
Two alternativesPayoneer, Revolut Business
no first choiceagainst: Adyen, Global Payments, Inc., LemFi, Remitly
GPT-5.4 miniWise Business
Three alternativesAirwallex, Payoneer, Stripe
Corpay Cross-Border, Wise BusinessChanged
One alternativeAirwallex
Wise Business
Three alternativesAirwallex, Payoneer, Stripe
Wise Businessagainst: Airwallex, Payoneerno first choicenothing named
Gemini 3.5 FlashWise Business
Three alternativesAirwallex, Revolut Business, Veem
OFXChanged
Four alternativesAirwallex, Ebury, Wise Business, iBanFirst
Wise Business
Four alternativesAirwallex, Deel, Remote, Stripe
against: PayoneerAirwallex, Wise Businessagainst: Revolut BusinessWise Business
Four alternativesAirwallex, Convera, OFX, Payoneer
against: Adyen, PayPal, Payoneer, Stripe, Tipalti, Wise Business
Perplexity SonarWise Business
Three alternativesAirwallex, Payoneer, XTransfer
against: ThunesWise Business, WorldFirstChanged
Three alternativesD-Risk FX, FXGuard, Kantox
Wise Business
Two alternativesAirwallex, Payoneer
against: Stripe, Thunes, TipaltiWise Business
Two alternativesAirwallex, Payoneer
against: Thunesno first choiceagainst: MoneyGram, SWIFT, Western Union
Grok 4.1 FastWise Business
Two alternativesAirwallex, Payoneer
against: Nium, PayPal, ThunesRevolut BusinessChanged
Four alternativesAirwallex, OFX, Wise Business, iBanFirst
Wise Business
Three alternativesAirwallex, Payoneer, Stripe
against: PayPalWise Business
Three alternativesAirwallex, Payoneer, Revolut Business
against: PayPalWise Business
Four alternativesAirwallex, Payoneer, WorldFirst, XTransfer
against: PayU, Stripeagainst: Airwallex, MoneyGram, PayPal, Payoneer, Western Union, Worldpay
Mistral SmallWise Business
Two alternativesCedar Money, Thunes
Revolut Business, Wise BusinessChanged
Two alternativesOFX, XE Business
Wise Business
Four alternativesAirwallex, Payoneer, Ripple, Tipalti
Wise Businessno first choiceagainst: Klasha, PayPal
DeepSeek V4 FlashWise Business
Two alternativesAirwallex, Payoneer
against: ThunesWorldFirstChanged
Four alternativesAirwallex, Currencies Direct, OFX, Wise Business
Airwallex, Wise Business
One alternativeStripe
against: PayPal, PayoneerWise Business
Two alternativesAirwallex, Payoneer
no first choiceagainst: PayPal, Payoneer, Traditional banks
Llama 4 MaverickWise Business
Two alternativesKavodax, Thunes
Corpay Cross-BorderChanged
Two alternativesBound, Okoora
Wise Business
Three alternativesAirwallex, Payoneer, Revolut Business
Wise Businessno first choicenothing named
Qwen 3.7 FlashAirwallex, Wise Business
One alternativePayoneer
Wise BusinessChanged
Two alternativesCurrencycloud, OANDA
Wise Business
Two alternativesAirwallex, Mercury
against: Revolut BusinessWise Business
One alternativeAirwallex
no first choiceagainst: PayPal, Payoneer
Kimi K2Wise Business
Two alternativesAirwallex, Payoneer
Revolut BusinessChanged
One alternativeOFX
against: Airwallex, Wise BusinessWise Business
Three alternativesAirwallex, Payoneer, Revolut Business
Wise Business
Three alternativesAirwallex, Payoneer, XTransfer
no first choiceagainst: MoneyGram, PayPal, Payoneer, PrePay Technologies / Monese, Razorpay, Revolut Business, Western Union
GLM 4.7 FlashXWise Business
Two alternativesAirwallex, XTransfer
against: ThunesXE BusinessChanged
Two alternativesAirwallex, Wise Business
Wise Business
Four alternativesAirwallex, Payoneer, Stripe, Thunes
against: Adyen, PayPal, RapydWise Business
Two alternativesAirwallex, XTransfer
against: Payoneerno first choiceagainst: First American Payment Processing, Nuvei, Wise Business
MiniMax M2.5Wise Business
Two alternativesThunes, XTransfer
Wise BusinessHeld
Three alternativesFXGuard, OFX, iBanFirst
Wise Business
Three alternativesAirwallex, Payoneer, Stripe
Wise Business
Three alternativesAirwallex, Payoneer, XTransfer
no first choiceagainst: Payoneer, Revolut Business
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.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 17:53yes98 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:25yes44 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:04yes1428 s
Direct recommendationPerplexity Sonarsonar2026-09-17 19:02yes205 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:06yes3119 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 18:49yes54 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 17:59yes1113 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:14yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:31yes534 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 21:04yes1232 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:23yes1642 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:10yes723 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:09no05 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:18yes35 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:57yes2157 s
ParaphrasePerplexity Sonarsonar2026-09-17 19:32yes206 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:52yes2915 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 18:00yes55 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 19:44yes2321 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:05yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 21:07yes518 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:45yes1787 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:16yes25131 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:09yes515 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:01yes1314 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:04yes59 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:17yes2251 s
ComparativePerplexity Sonarsonar2026-09-17 19:26yes209 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:55yes2816 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 18:49yes57 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 20:10yes2573 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:45yes54 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 21:05yes521 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 21:07yes1022 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:33yes1045 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:30yes512 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 21:05yes97 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:06yes26 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:27yes1621 s
Budget constrainedPerplexity Sonarsonar2026-09-17 20:58yes186 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:57yes1811 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 21:04yes511 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 19:28yes1011 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:45yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:53yes516 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 21:00yes1528 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:09yes14247 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:45yes928 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:43no05 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:51no08 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:58yes827 s
Scale constrainedPerplexity Sonarsonar2026-09-17 19:04yes209 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:39yes159 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 18:18no06 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 21:04yes1218 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 18:09yes52 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:37no027 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:52yes1022 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:21yes946 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:25yes517 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:28yes2712 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:33no05 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:59yes2423 s
Negative framingPerplexity Sonarsonar2026-09-17 19:06yes206 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 17:57yes4520 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 21:06yes107 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:22yes3044 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 17:58yes54 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:44yes1028 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:22yes3039 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 21:07yes22131 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:16yes2438 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
Corpay read as Corpay Cross-Border
Unresolved, counted raw
Cashfree
Currencies Direct
D-Risk FX
First American Payment Processing
Global Payments, Inc.
Kavodax
Klasha
LemFi
OANDA
Okoora
PayU
PrePay Technologies / Monese
Shor / Omnivoo
Discontinued, still offered
No shut-down product was recommended here.

Also in treasury and cash

The other categories of this function, with the leader in each.
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