B2B BNPL and net terms for enterprise buyers
Asked as “B2B buy now pay later provider”, and as “net terms financing for B2B sales”, on behalf of an enterprise B2B company. 39 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each. Added to the October 2026 Edition on October 4, 2026; its answers are read by the distilled judge (ai-indexes-judge-qwen3-14b-run3), not the claude-opus-5 judge of the earlier categories: how the two compare.
Standing · first-choice share
41%
Clear leader
41TreviPay28Resolve Pay03Airwallex28others
41% of first choices, clear leader.
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.
The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
All twenty-one head-to-head pages: the top seven products, each against each
Resolve Pay vs MonduResolve Pay vs BalanceResolve Pay vs FundboxCredit Key vs BillieCredit Key vs SlopeCredit Key vs MonduCredit Key vs BalanceCredit Key vs FundboxBillie vs SlopeBillie vs MonduBillie vs BalanceBillie vs FundboxSlope vs MonduSlope vs BalanceSlope vs FundboxMondu vs BalanceMondu vs FundboxBalance vs Fundbox
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01TreviPay41%
TreviPay41%02Resolve Pay28%
Resolve Pay28%03Mondu3%
Mondu3%04Balance0%
Balance0%05Two0%
Two0%06Credit Key0%
Credit Key0%07Billie0%
Billie0%08Slope0%
Slope0%09Hokodo0%
Hokodo0%What they warned about
Three of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, GLM 4.7 FlashX, MiniMax M2.5 and Muse Glimmer 30B 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.
Hokodo50%
9 of 18 labels negative · 7 of 14 models · 8 hard negative
“Hokodo wound down operations in late 2025, and existing contracts transitioned to other providers; do not start a new integration there.” Claude Haiku 4.5, negative prompt
Billie25%
7 of 28 labels negative · 6 of 14 models
“Be cautious of European-centric players like **Billie** or **Mondu** if you have a significant global footprint.” Gemini 3.5 Flash, negative prompt
Sprinque
100%
5 of 5 labels negative · 5 of 14 models · 5 hard negative
“Sprinque — avoid for a new BNPL implementation unless you independently verify a successor service and contracting entity.” GPT-6 Luna, negative prompt
Affirm62%
5 of 8 labels negative · 5 of 14 models · 2 hard negative
“you should likely avoid "Consumer-style" BNPL apps (like Affirm or Klarta) pivoting to business” Qwen 3.7 Flash, scale prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
76 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 1167 links across 285 sites, every framing counted. Ranked by the number of answers carrying the site or page. None of the 252 answers across every segment cited this index's own page for the category.
vendor site · Resolve Pay62 answers · 209 citations · 14 models
31 answers · 31 citations · 11 models
vendor site · Mondu27 answers · 36 citations · 12 models
vendor site · Order.co24 answers · 30 citations · 12 models
vendor site · Solidgate23 answers · 23 citations · 10 models
vendor site · Two21 answers · 30 citations · 11 models
vendor site · TreviPay20 answers · 35 citations · 10 models
20 answers · 22 citations · 10 models
vendor site · Guideflow20 answers · 20 citations · 11 models
vendor site · Whop18 answers · 18 citations · 11 models
vendor site · Ratiotech15 answers · 27 citations · 9 models
vendor site · Hokodo15 answers · 16 citations · 10 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.
31 answers · 11 models
31 answers · 12 models
23 answers · 12 models
23 answers · 10 models
20 answers · 11 models
20 answers · 10 models
18 answers · 11 models
15 answers · 8 models
13 answers · 9 models
12 answers · 10 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “b2b bnpl and net terms providers”, “b2b buy now pay later provider”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| TreviPay trevipay.com | 41% | 130 | 2,400 | 60 | 40,661 | $8 | 13 | |
| Resolve resolvepay.com Resolve Pay 28% | 28% | 179 | 480 | 60 | 11,436 company | $316 | 6 | 1 |
| Mondu mondu.ai | 3% | 76 | 880 | 8 | 1,295 | 9 | ||
| Ratio ratiotech.com | 3% | 11 | 60,500 | 296,116 | 870 | $217 | 22 | |
| C2FO | 3% | |||||||
| BILL bill.com | 3% | 444 | 2,740,000 | 1,063,001 | 1,783,039 | $199,231 | 119 | |
| HighRadius highradius.com | 3% | 691 | 6,600 | 118 | 294,561 | $2,272 | 120 | |
| Order.co order.co | 3% | 28 | 1,600 | 7 | 64,386 | $369 | 59 | |
| Airwallex airwallex.com | 3% | 308 | 27,100 | 416 | 420,414 | $56,832 | 45 | |
| Capital One Trade Credit | 3% |
Google's top ten for the two searches hold 15 sites; 2 of them are among the sites the models cited here (mondu.ai, resolvepay.com). The first result for “b2b bnpl and net terms providers” is resolvepay.com.
How 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.ShowHide
How 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.
ShowHideModelDirect“What is the best B2B buy now pay later provider for an enterprise B2B company?”Paraphrase“Which net terms financing for B2B sales would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade B2B BNPL and net terms providers and how do they differ?”Budget-constrained“What is the best B2B buy now pay later provider for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a B2B buy now pay later provider. What should we look at?”Negative“Which B2B BNPL and net terms providers should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5TreviPayno first choiceChangedTreviPayTreviPayno first choiceagainst: Billie, Kriya, Twoagainst: Hokodo, Sprinque
Two alternatives
OpenWay Way4, TwoFour alternatives
Billie, Capchase Pay, Resolve Pay, TwoTwo alternatives
Hokodo, Resolve PayGPT-5.4 miniResolve Payno first choiceChangedResolve Pay, TreviPayCapital One Trade Creditno first choiceagainst: Affirm, Enova
One alternative
BILLThree alternatives
Credit Key, Mondu, TwoThree alternatives
Capchase Pay, Credit Key, VartanaGemini 3.5 FlashTreviPayTreviPayHeldTreviPayagainst: HokodoOrder.cono first choiceagainst: Billie, Hokodo, Mondu, Playter, Sprinque, iwocaPay
Six alternatives
Balance, Billie, Capchase Pay, Ratio, Resolve Pay, SlopeFive alternatives
Allianz Trade, Balance, Billtrust, HighRadius, Resolve PaySeven alternatives
Balance, Billie, Mondu, Ratio, Resolve Pay, Slope, TwoThree alternatives
Ratio, Resolve Pay, TreviPayPerplexity SonarMonduResolve PayChangedTreviPayagainst: Fundbox, TwoRatioagainst: Affirm, Afterpay, Klarnano first choicenothing named
Two alternatives
Billie, Credit KeyThree alternatives
Billtrust, Credit Key, SlopeFour alternatives
Affirm, Billie, Hokodo, Resolve PayOne alternative
Resolve PayGrok 4.1 FastTreviPayno first choiceChangedBalance, TreviPayagainst: Billie, Fundbox, Hokodo, MonduTreviPayagainst: Affirm, Klarna, Slopeno first choiceagainst: Behalf, Billie, BizPay, Credibly, Parafin, Resolve Pay, Tundra
Five alternatives
Balance, Billie, Mondu, Resolve Pay, TwoFour alternatives
C2FO, PrimeRevenue, Resolve Pay, SAP TauliaThree alternatives
Billtrust, Credit Key, Resolve PayThree alternatives
Credit Key, Resolve Pay, TwoMistral SmallResolve Payno first choiceChangedTreviPayagainst: HokodoResolve Payno first choiceagainst: Perpay, Zilch
Three alternatives
Bread Pay, Credit Key, TreviPayFive alternatives
C2FO, Coupa, SAP Ariba, Taulia, TipaltiThree alternatives
Balance, Mondu, Resolve PayDeepSeek V4 FlashTreviPayResolve Pay, TreviPayChangedResolve PayTreviPayagainst: Mondu, Slopeno first choiceagainst: Balance, Billie, BizPay, Greensill Capital, Hokodo, Laybuy, Lipa Later, Mondu, Openpay, Payright, Slope, Tranch, ZestMoney
Three alternatives
Billie, Resolve Pay, TwoOne alternative
TwoThree alternatives
Billie, Slope, TreviPayOne alternative
BalanceLlama 4 Maverickno first choiceResolve PayChangedno first choiceno first choiceno first choiceagainst: Hokodo
Two alternatives
Billie, Credit KeyQwen 3.7 FlashToriiC2FO, HighRadiusChangedTreviPayOpenWay Way4 BNPLagainst: Klarna B2B FinancingAirwallex, BILL, Rampagainst: Affirm, Klartanothing named
Four alternatives
Affirm, Klarna for Business, OpenWay, Tauli / TaulifyTwo alternatives
Kounta.io, ProFundFive alternatives
Balance, Hokodo, Mondu, Resolve Pay, TwoThree alternatives
Balance, Ratio, TwoTwo alternatives
AscentPay, CeraKimi K2TreviPayTreviPayHeldTreviPayResolve Payagainst: Billie, Monduno first choiceagainst: Affirm, Behalf, BizPay, Capchase Pay, Klarna, Openpay, Sprinque, Zip
Two alternatives
Resolve Pay, Two.incTwo alternatives
Credit Key, Resolve PaySix alternatives
Billie, Kriya, Mondu, Resolve Pay, Slope, TwoOne alternative
Two.incGLM 4.7 FlashXResolve Payno first choiceChangedno first choiceResolve Payagainst: Credit Keyno first choiceagainst: Capchase Pay, Credit Key
Three alternatives
Billie, Capchase Pay, HokodoSix alternatives
Billie, Capchase Pay, Credit Key, Mondu, Resolve Pay, TreviPayOne alternative
BillieMiniMax M2.5TreviPayResolve PayChangedTreviPayagainst: FundboxPurchasing Poweragainst: Billie, Credit Key, Resolve Pay, Slopeno first choicenothing named
Four alternatives
Balance, Credit Key, Resolve Pay, TwoThree alternatives
Billie, Capchase Pay, Credit KeyFive alternatives
Balance Payments, Mondu, Resolve Pay, Slope, TwoTwo alternatives
Ben, CHOYSGPT-6 LunaTreviPayTreviPayHeldTreviPayagainst: HokodoTreviPayno first choiceagainst: Hokodo, Sprinque
Two alternatives
Resolve Pay, TwoTwo alternatives
Credit Key, Resolve PayNine alternatives
Allianz Trade Pay, Balance, Billie, Credit Key, Kriya, Mondu, Resolve Pay, Slope, TwoOne alternative
Resolve PayMuse Glimmer 30BTreviPayno first choiceChangedTreviPayagainst: FundboxResolve Payagainst: Slopeno first choiceagainst: Behalf, BizPay, Greensill Capital, Klarna, Sprinque
Four alternatives
C2FO, Credit Key, Resolve Pay, TauliaFour alternatives
Balance, Behalf, Resolve Pay – Affirm backed, TwoThree alternatives
Billie, Mondu, TreviPayBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The 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
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:34 | yes | 17 | 9 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:06 | yes | 4 | 4 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:21 | yes | 21 | 33 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-04 22:58 | yes | 20 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 23:17 | yes | 18 | 12 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 23:19 | yes | 10 | 6 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:31 | yes | 22 | 32 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 23:12 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 23:04 | yes | 8 | 23 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 23:08 | yes | 18 | 19 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 23:10 | yes | 21 | 34 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:29 | yes | 8 | 19 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:29 | yes | 3 | 15 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:30 | yes | 14 | 19 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:37 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:48 | yes | 4 | 6 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:54 | yes | 18 | 29 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-04 22:57 | yes | 22 | 6 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:57 | yes | 18 | 7 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 23:07 | no | 0 | 7 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 23:05 | yes | 22 | 42 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 23:21 | yes | 9 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:54 | no | 0 | 30 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:46 | yes | 19 | 24 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 23:09 | yes | 15 | 30 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 23:18 | yes | 10 | 50 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:38 | yes | 4 | 16 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:18 | yes | 17 | 32 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 23:08 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:10 | yes | 4 | 9 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:49 | yes | 31 | 36 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-04 23:14 | yes | 17 | 6 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:38 | yes | 19 | 11 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:54 | yes | 7 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:22 | yes | 22 | 46 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:33 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 22:18 | yes | 15 | 42 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:27 | yes | 24 | 38 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:46 | yes | 22 | 62 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 23:17 | yes | 15 | 37 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-04 23:20 | yes | 11 | 57 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 23:17 | yes | 18 | 49 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:52 | yes | 18 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:23 | yes | 4 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:18 | yes | 14 | 32 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-04 22:34 | yes | 20 | 6 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:40 | yes | 21 | 15 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:33 | yes | 8 | 6 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:13 | yes | 24 | 27 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:40 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 23:14 | yes | 22 | 36 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:36 | yes | 24 | 61 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:48 | yes | 19 | 27 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:57 | yes | 22 | 52 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:22 | yes | 2 | 19 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:40 | yes | 21 | 30 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:45 | yes | 17 | 15 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 22:13 | no | 0 | 7 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:18 | yes | 10 | 29 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-04 22:20 | yes | 18 | 5 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:33 | yes | 18 | 10 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:25 | no | 0 | 9 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:48 | yes | 23 | 77 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 22:31 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 23:11 | no | 0 | 31 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 23:25 | yes | 19 | 25 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:40 | yes | 18 | 71 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:44 | no | 0 | 55 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-04 23:25 | yes | 4 | 24 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:16 | yes | 12 | 25 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-04 22:34 | yes | 35 | 13 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-04 23:24 | yes | 6 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-04 22:50 | yes | 10 | 31 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-04 22:26 | yes | 20 | 5 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-04 22:21 | yes | 24 | 11 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-04 22:53 | yes | 10 | 6 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-04 22:43 | yes | 25 | 80 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-04 23:16 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-04 23:16 | no | 0 | 34 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-04 22:49 | yes | 23 | 35 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-04 22:26 | yes | 25 | 27 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-04 22:48 | yes | 23 | 39 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-04 22:39 | yes | 2 | 24 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-04 22:17 | yes | 25 | 34 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
ShowHide
Category-scoped readings
Capchase read as Capchase Pay
Resolve read as Resolve Pay
Resolve (Resolve Pay) read as Resolve Pay
Resolve (now part of Affirm) read as Resolve Pay
Unresolved, counted raw
Allianz Trade
AscentPay
Ben
Bread Financial
Bread Pay (Bread Financial)
CHOYS
Capital One Trade Credit
Cera
ClydeCo (formerly PayNet)
Credibly
Enova
Euler Hermes
Klarna B2B Financing
Klarta
Kounta.io
Lipa Later
OpenWay (Way4)
OpenWay Way4
OpenWay Way4 BNPL
Payright
ProFund
Purchasing Power
Resolve Pay – Affirm backed
SAP Taulia
Tauli / Taulify
TechRepublic
Tundra
Discontinued, still offered
No shut-down product was recommended here.