| Category | Function | Share | Rank | Negative rate | Labels | Quadrant |
|---|---|---|---|---|---|---|
| Cross-border payments and FX | Treasury and cash | 0% | 31 of 83 | 29% | 7 | under 10 labels · led by Wise Business at 35% |
| Business bill pay | Treasury and cash | 0% | 52 of 69 | 0% | 1 | under 10 labels · led by BILL at 35% |
| Contractor payments | Spend and procurement | 0% | 71 of 83 | 100% | 1 | under 10 labels · led by Deel at 27% |
| Model | First choice | Alternative | Mention | Negative | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 1 | 0 | 0 | 1 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.1 Fast | 0 | 0 | 0 | 1 | 1 |
| Mistral Small | 0 | 0 | 2 | 0 | 2 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 1 | 0 | 0 | 1 |
| Qwen 3.7 Flash | 0 | 1 | 0 | 1 | 2 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 1 | 1 | 2 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
Verbatim evidence the judge attached to positive labels.
“Legitimate providers (like Wise, Western Union, or banks) usually allow this but require strict ID verification.” Qwen 3.7 Flash · Cross-border payments · negative prompt · alternative
“safe and reliable include ... Western Union, and MoneyGram, which are regulated by relevant authorities” Llama 4 Maverick · Cross-border payments · negative prompt · alternative
“such as authorized platforms like Flywire or Western Union Business Solutions” Gemini 3.5 Flash · Cross-border payments · negative prompt · alternative
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.
“Common complaints include high fees (up to 20% worse exchange rates), inconsistent customer service, technical glitches, blocked transfers, and delays.” Grok 4.1 Fast · Cross-border payments · negative prompt · hard negative
“No reversibility once the money is picked up (like cash) • Often used in scams, so extra caution is required” GLM 4.7 FlashX · Cross-border payments · negative prompt · soft negative
“Why to be cautious: ... paying a contractor directly via wire is risky” Qwen 3.7 Flash · Contractor payments · negative prompt · soft negative
Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 12 of the 13 answers that named Western Union and are not a share of its labels.
Fifty-one of the fifty-one domain citations in answers naming Western Union came from somebody else's page.
Pages are listed as the models cited them.
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 Western Union'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 Western Union, 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 westernunion.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.