Every category where a model named Papaya for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant
Business bill pay	Treasury and cash	0%	46 of 69	30%	10	criticized challenger

Movement

This is the first edition on this tier, so no move can be computed for Papaya yet. From the next edition this section shows, per buyer segment, whether its share moved by more than the measured noise floor.

By model

How each model treated Papaya across every prompt where it was named for a mid-market B2B company. Twelve models, six prompts per category.

Model	Alternative	Mention	Negative	Labels
Claude Haiku 4.5	0	0	0	0
GPT-5.4 mini	0	0	0	0
Gemini 3.5 Flash	0	0	1	1
Perplexity Sonar	0	0	0	0
Grok 4.1 Fast	1	0	1	2
Mistral Small	0	1	0	1
DeepSeek V4 Flash	0	1	0	1
Llama 4 Maverick	0	0	0	0
Qwen 3.7 Flash	0	1	0	1
Kimi K2	0	1	0	1
GLM 4.7 FlashX	0	1	1	2
MiniMax M2.5	0	1	0	1

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct0 labelsNone

Paraphrase0 labelsNone

Comparative7 labelsNone

Budget-constrained0 labelsNone

Scale-constrained0 labelsNone

Negative3 labelsNone

First choiceAlternativeMentionNegative10 labels in all, every segment counted; 0 of the 0 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“or Papaya for photo convenience” Grok 4.1 Fast · Business bill pay · comparative prompt · alternative

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.

“240 BBB complaints in 3 years ... Reports of processing delays (leading to late fees/disconnections), double charges” Grok 4.1 Fast · Business bill pay · negative prompt · hard negative

“Less information available, but be cautious with any app that isn't widely vetted.” GLM 4.7 FlashX · Business bill pay · negative prompt · soft negative

“Papaya Payments (Proceed with Extreme Caution)” Gemini 3.5 Flash · Business bill pay · negative prompt · soft negative

Named alongside

The products named in the same answers as Papaya, over the 10 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Papaya was named but was not.

ProductSame answerTook the first choice insteadHead to head

Doxo10 of 101Not in the top three

BILL9 of 101Not in the top three

Prism7 of 100Not in the top three

Bank Bill Pay6 of 103Not in the top three

Melio6 of 103Not in the top three

Quicken Bill Manager4 of 100Not in the top three

Ramp4 of 100Not in the top three

AvidXchange3 of 100Not in the top three

MoneyGram2 of 100Not in the top three

Paymentus2 of 100Not in the top three

A head-to-head page exists where both products are in a category's top three. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Papaya. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 9 of the 10 answers that named Papaya and are not a share of its labels.

Domains cited

gobankingrates.com8

thepennyhoarder.com8

money.usnews.com7

cashflowpick.com3

gitnux.org3

rippling.com3

wifitalents.com3

worldmetrics.org3

apps.apple.com2

consumer.ftc.gov2

Forty-two of the forty-two domain citations in answers naming Papaya came from somebody else's page.

Pages cited

gobankingrates.com/saving-money/budgeting/bill-payment-service8

thepennyhoarder.com/budgeting/bill-pay-services8

money.usnews.com/money/personal-finance/saving-and-budgeting/articles/best-bill-paying-ser7

cashflowpick.com/best-bill-payment-software3

gitnux.org/best/bill-pay-software3

rippling.com/blog/bill-pay-solutions-for-businesses3

apps.apple.com/us/app/papaya-securely-pay-any-bill/id10508706272

consumer.ftc.gov/consumer-alerts/2024/04/pay-your-bills-not-impersonators2

Pages are listed as the models cited them.

Names read as Papaya

What the judge wrote, as written, with how often. The vendor table decides that these count as Papaya; a claim can dispute any of them.

Papaya Payments 1

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Papaya's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Papaya, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

It does not get any change to labels, shares or verdicts, any preview, or any say over which quotes appear. A verification link goes to your work email; an address at papayaglobal.com is approved on the spot, any other address is reviewed by hand.

Your name and company appear on the claimed page, or the company alone if you ask below. A title and a LinkedIn address appear there too if you give them, and are left off if you do not. Your email address is never published.