6 categories · RankedMelio
Standing by category
| Category | Function | Share | Rank | Negative rate | Labels | Quadrant |
|---|---|---|---|---|---|---|
| Business bill pay | Treasury and cash | 26% | 2 of 69 | 11% | 27 | accepted challenger |
| Accounts payable automation | Spend and procurement | 19% | 3 of 60 | 6% | 17 | accepted challenger |
| B2B payment acceptance | Receivables and billing | 9% | 5 of 91 | 22% | 18 | accepted challenger |
| Contractor payments | Spend and procurement | 2% | 15 of 83 | 0% | 3 | under 10 labels · led by Deel at 27% |
| Accounts receivable automation | Receivables and billing | 2% | 14 of 77 | 0% | 4 | under 10 labels · led by Zoho Books at 15% |
| Cash application | Receivables and billing | 0% | 31 of 83 | 0% | 4 | under 10 labels · led by HighRadius at 16% |
Movement
By model
| Model | First choice | Alternative | Mention | Negative | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 1 | 1 | 1 | 0 | 3 |
| GPT-5.4 mini | 2 | 1 | 0 | 0 | 3 |
| Gemini 3.5 Flash | 3 | 4 | 1 | 1 | 9 |
| Perplexity Sonar | 3 | 0 | 3 | 0 | 6 |
| Grok 4.1 Fast | 2 | 2 | 3 | 1 | 8 |
| Mistral Small | 2 | 1 | 5 | 1 | 9 |
| DeepSeek V4 Flash | 3 | 0 | 1 | 1 | 5 |
| Llama 4 Maverick | 1 | 0 | 2 | 0 | 3 |
| Qwen 3.7 Flash | 2 | 2 | 0 | 0 | 4 |
| Kimi K2 | 3 | 4 | 1 | 4 | 12 |
| GLM 4.7 FlashX | 3 | 3 | 1 | 0 | 7 |
| MiniMax M2.5 | 3 | 1 | 0 | 0 | 4 |
By framing
What the models said for it
Verbatim evidence the judge attached to positive labels.
“You run a small business (≤50 invoices/month) and want a friendly UI | Melio (Go plan: 5 free ACH payments).” GLM 4.7 FlashX · Business bill pay · comparative prompt · first choice
“Recommendation: Start with Melio if payments are simple/low-volume and you want zero commitment.” Grok 4.1 Fast · Accounts payable automat · budget prompt · first choice
“For the tightest budgets, start with Melio's free plan or Ramp's free tier to test before committing.” Claude Haiku 4.5 · Accounts payable automat · budget prompt · first choice
“The best bill pay platform for businesses on a limited budget is Melio's Go plan, which is $0/month” Llama 4 Maverick · Business bill pay · budget prompt · first choice
And against it
Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.
“Melio has received feedback about payment holds, account suspensions, and slow customer support” Mistral Small · B2B payment acceptance · negative prompt · soft negative
“While popular for its free tier and clean interface, operational friction is common” Kimi K2 · B2B payment acceptance · negative prompt · soft negative
“Likely too lightweight for 500 employees needing controls and audit trails.” Kimi K2 · Business bill pay · scale prompt · soft negative
“Limitations: Less robust ERP integrations compared to BILL” Kimi K2 · B2B payment acceptance · direct prompt · soft negative
Named alongside
What carried it into the answer
Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 224 of the 272 answers that named Melio and are not a share of its labels.
Domains cited
603 of the 603 domain citations in answers naming Melio came from somebody else's page.
Pages cited
Pages are listed as the models cited them.
Names read as Melio
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