Finance AI Index

Index › Vendors › Zelle · September 2026 Edition

4 categories · Named, not ranked

Zelle

18Judge labels

0First choices

17Negative labels

7 of 12Models named it

4Categories

September 2026 Edition. Every number here is derived from the raw labels under vendor table vv2026-09.2, every buyer segment counted.

Standing

8 labels, too few to rank

A product needs 10 labels in a category before a share or quadrant is stated. Zelle was named 8 times in Business bill pay and 3 other categories, where BILL led with 35%. The labels and the evidence are below, counted exactly.

By buyer segmentRead the same way at every buyer size.

Small businessnot named

No model named it for this buyer.

Mid-market68 of 69

under the label threshold

Enterprise84 of 90

under the label threshold

In business bill pay · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading

Standing by category

Every category where a model named Zelle 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%	68 of 69	100%	3	under 10 labels · led by BILL at 35%
Contractor payments	Spend and procurement	0%	80 of 83	100%	3	under 10 labels · led by Deel at 27%
Cash application	Receivables and billing	0%	81 of 83	100%	1	under 10 labels · led by HighRadius at 16%
Cross-border payments and FX	Treasury and cash	0%	81 of 83	100%	1	under 10 labels · led by Wise Business at 35%

Movement

This is the first edition on this tier, so no move can be computed for Zelle 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 Zelle across every prompt where it was named for a mid-market B2B company. Twelve models, six prompts per category.

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

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

Comparative1 labelNone

Budget-constrained1 labelNone

Scale-constrained0 labelsNone

Negative16 labelsNone

First choiceAlternativeMentionNegative18 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.

No positive label carried a quote.

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.

“If you send $5,000 to a subcontractor via Zelle and they disappear, your bank will generally tell you it is your fault” Qwen 3.7 Flash · Contractor payments · negative prompt · hard negative

“Why avoid: These are the most common tools used by "deposit theft" scammers. They offer zero buyer protection.” GLM 4.7 FlashX · Contractor payments · negative prompt · hard negative

“If someone requests a cross-border payment via a domestic-only app, it is almost certainly a scam.” Gemini 3.5 Flash · Cross-border payments · negative prompt · hard negative

“P2P apps like PayPal/Zelle aren't true bill pay (better for people-to-people).” Grok 4.1 Fast · Business bill pay · comparative prompt · hard negative

Named alongside

The products named in the same answers as Zelle, over the 18 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Zelle was named but was not.

ProductSame answerTook the first choice insteadHead to head

Venmo15 of 180Not in the top three

Cash App14 of 180Not in the top three

PayPal11 of 180Not in the top three

BILL6 of 180Not in the top three

Deel5 of 182Not in the top three

Square Payroll5 of 181Not in the top three

Stripe5 of 180Not in the top three

Gusto4 of 182Not in the top three

Wise Business4 of 181Not in the top three

Melio4 of 180Not 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 Zelle. 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 13 of the 18 answers that named Zelle and are not a share of its labels.

Domains cited

reddit.com7

bbb.org4

contractor-of-record.com4

g2.com4

remote.com4

toku.com4

buildsafeescrow.com3

capterra.com3

consumer.ftc.gov3

guideflow.com3

Thirty-nine of the thirty-nine domain citations in answers naming Zelle came from somebody else's page.

Pages cited

contractor-of-record.com/software/contractor-payouts4

remote.com/blog/payroll/best-contractor-payment-tools4

toku.com/resources/best-payment-methods-for-international-contractors4

buildsafeescrow.com/safest-way-to-pay-a-contractor3

guideflow.com/blog/contractor-payment-software3

mellow.io/news-and-articles/paying-international-contractors-securely-2026-best-platforms-3

worksuite.com/resources/insights/best-contractor-payment-software3

analyticsinsight.net/business/best-contractor-payment-service-providers-in-20262

Pages are listed as the models cited them.

Names read as Zelle

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

PayPal/Zelle 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 Zelle'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 Zelle, 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 zelle.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.