AI Indexes
Finance AI Index
September 2026 Edition, published September 17, 2026 · The permanent record of that edition, superseded since. The current standing is on the category page →
Index › Receivables and billing › September 2026 Edition

B2B payment acceptance

Asked as “B2B payment acceptance platform”, and as “accounts receivable payment portal”, on behalf of a mid-market B2B company. 47 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
19%
Contested · Helcim 15%
19Versapay15Helcim11EBizCharge55others

19% of first choices, contested.

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 twelve models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Versapay19%0%17accepted challenger
02Helcim15%0%17accepted challenger
03Stripe6%20%49accepted challenger
04BILL Accounts Receivable6%17%42accepted challenger
05Billtrust6%0%17accepted challenger
06Melio6%14%21accepted challenger
07MineralTree4%0%12accepted challenger
08Tipalti2%0%19accepted challenger
09AvidXchange2%0%17accepted challenger
10HighRadius2%14%21accepted challenger
11Square2%27%11criticized challenger
Show the three products at 0%, ordered by negative rate
14PayPal0%40%20criticized challenger
13Wise Business0%6%16accepted challenger
12Adyen0%5%19accepted challenger
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-eight head-to-head pages: the top eight products, each against each

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
09
10
11
12
13
14
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01Versapay19%
02Helcim15%
03Stripe6%
04BILL Accounts Receivable6%
05Billtrust6%
06Melio6%
07MineralTree4%
08Tipalti2%
09AvidXchange2%
10HighRadius2%
11Square2%
12Adyen0%
13Wise Business0%
14PayPal0%

What they warned about

Zero of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX and MiniMax M2.5 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.
PayPal
40%
8 of 20 labels negative · 7 of 12 models · 3 hard negative
“PayPal's automated risk system freezes accounts and holds funds for 180 days without appeal. This is the most-reported PayPal complaint” Muse Glimmer 30B, negative prompt
Stripe
20%
10 of 49 labels negative · 7 of 12 models · 1 hard negative
“PayPal & Stripe (Avoid for Large, Low-Volume B2B Invoices)” Gemini 3.5 Flash, negative prompt
BILL Accounts Receivable
17%
7 of 42 labels negative · 6 of 12 models · 2 hard negative
“Severe payment delays — Vendors report receiving payments 36–42 days after invoicing” DeepSeek V4 Flash, negative prompt
Melio
14%
3 of 21 labels negative · 3 of 12 models · 1 hard negative
“BBB rating of "F" with 100+ negative reviews (2.21/5 average)” DeepSeek V4 Flash, negative prompt

What they cite

Citations exist only for the models that return a source list: fourteen of the twelve in this edition, and all six flagship models on the expanded tier.

Sites the answers cite

79 of 84 answers in this category came back with a source list, from 14 of 12 models: citations where the model returns them, or the search results it consulted. 1100 links across 263 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · HighRadius33 answers · 40 citations · 12 models
28 answers · 33 citations · 10 models
28 answers · 31 citations · 10 models
24 answers · 24 citations · 11 models
23 answers · 25 citations · 9 models
vendor site · Resolve Pay21 answers · 23 citations · 11 models
vendor site · G219 answers · 22 citations · 12 models
vendor site · Rillion19 answers · 21 citations · 11 models
vendor site · ConnectPay17 answers · 17 citations · 10 models
vendor site · G216 answers · 28 citations · 8 models
16 answers · 16 citations · 9 models
vendor site · Sourceforge15 answers · 18 citations · 8 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.

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 payment acceptance platform”, “b2b payment platforms”, “best b2b payment acceptance platform”. 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 productsShareOwn site citedName searches, GoogleAI search demand, est.Organic visitsPaid search a month, est.Google ads, last 30 daysBest Google position
Versapay versapay.com19%2076,60010639,155$12,320299
Helcim helcim.com15%7712,10014352,52728
EBizCharge ebizcharge.com11%282,4001622,849$7,184242
Nickel nickel.com11%26110,00062,18029,555$1,0337
Stripe stripe.com6%361823,000102,7413,226,782$3,6211022
BILL bill.com
BILL Accounts Receivable 6%
6%2172,740,0001,063,0011,783,039 company$199,231119
Billtrust billtrust.com6%3176,60015950,343$71815
Melio melio.com6%27733,10049236,039$1,42960
Gaviti gaviti.com6%13632046,0430
MineralTree mineraltree.com4%271,300415,19518

Google's top ten for the three searches hold 22 sites; 4 of them are among the sites the models cited here (connectpay.com, fitsmallbusiness.com, highradius.com, resolvepay.com). The first result for “b2b payment acceptance platform” is paytrace.net.

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.
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ModelDirect“What is the best B2B payment acceptance platform for a mid-market B2B company?”Paraphrase“Which accounts receivable payment portal would you recommend to a mid-sized B2B company?”Comparative“What are the top B2B payment platforms and how do they differ?”Budget-constrained“What is the best B2B payment acceptance platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a B2B payment acceptance platform. What should we look at?”Negative“Which B2B payment platforms should I avoid or be cautious about?”
Claude Haiku 4.5EBizCharge
Four alternativesBILL Accounts Receivable, HighRadius, Rillion, Versapay
BilltrustChanged
Three alternativesInvoiced, Quadient AR, Versapay
Stripe
Eight alternativesAdyen, AvidXchange, Flywire, Melio, MineralTree, PayPal, Wise Business, WizPay by WizCommerce
Helcim, Nickel
Two alternativesMelio, Square
no first choicenothing named
GPT-5.4 miniBILL Accounts Receivable
Four alternativesHighRadius, Modern Treasury, Tipalti, Versapay
BilltrustChanged
Two alternativesBILL AP/AR, HighRadius
BILL Accounts Receivable
Five alternativesAirbase, Coupa Pay, Ramp, Stripe, Tipalti
against: PayPal
Square
One alternativeStripe
against: BILL Accounts Receivable
no first choicenothing named
Gemini 3.5 FlashEBizCharge
Four alternativesBilltrust, Paystand, Resolve Pay, Versapay
against: PayPal, Stripe
VersapayChanged
Four alternativesBILL Accounts Receivable, Billtrust, Invoiced, Quadient AR
against: HighRadius, QuickBooks Payments
EBizCharge, Stripe
Six alternativesAirwallex, BILL Accounts Receivable, Melio, Tipalti, TreviPay, Wise Business
Nickel
Two alternativesHelcim, Melio
against: Square, Stripe
no first choiceagainst: Melio, PayPal, Payoneer, Pepper Pay, Solid Financial Technologies, Stripe, Synapse
Perplexity SonarMineralTree
One alternativeEBizCharge
against: Stripe
BilltrustChanged
Three alternativesInvoiced, Quadient AR, Versapay
against: BILL Accounts Receivable
no first choiceNickel
Three alternativesPayPal Payments, Square, Wise Business
no first choiceagainst: PayPal, Venmo for Business
Grok 4.1 FastStripe
Three alternativesAvidXchange, BILL Accounts Receivable, MineralTree
BILL Accounts ReceivableChanged
Five alternativesAvidXchange, Billtrust, Chaser, Stripe Billing, Versapay
no first choiceMelio
Three alternativesHelcim, Square Invoices, Stripe
against: PayPal
Stripe
Six alternativesAvidXchange, BILL Accounts Receivable, HighRadius, Melio, Modern Treasury, Tipalti
against: BILL Accounts Receivable, Fiserv, Humboldt Merchant Services, Nuvei
Mistral SmallEBizCharge
Two alternativesBILL Accounts Receivable, MineralTree
against: Stripe
GavitiChanged
Three alternativesBILL Accounts Receivable, Quadient AR, Versapay
Stripe
Eight alternativesAuthorize.net, BILL Accounts Receivable, Coupa Pay, Helcim, PayPal, PaymentCloud, QuickBooks Payments, Stax
Melio, Nickel
Two alternativesHelcim, PayTrace
no first choicenothing named
DeepSeek V4 FlashHighRadius
Three alternativesBILL Accounts Receivable, Quadient AR, Stripe
against: Adyen
VersapayChanged
Four alternativesBilltrust, Chaser, Monk, Quadient AR
against: HighRadius
Adyen, Stripe
Seven alternativesBILL Accounts Receivable, Braintree, Coupa Pay, Melio, Stax, Tipalti, Wise Business
Helcim
Four alternativesBILL Accounts Receivable, PayPal, Payment Depot, Stripe
no first choiceagainst: BILL Accounts Receivable, BlueSnap, Melio, PayPal
Llama 4 MaverickEBizCharge
Two alternativesAvidXchange, HighRadius
GavitiChanged
Two alternativesBILL Accounts Receivable, Billtrust
no first choiceno first choiceno first choicenothing named
Qwen 3.7 FlashBILL Accounts Receivable
Five alternativesChargebee, Forwardly, Nickel, Stripe Billing, Stripe Connect
VersapayChanged
Two alternativesBILL Accounts Receivable, Gaviti
against: HighRadius
BILL Accounts Receivable
Five alternativesAdyen, HighRadius, Stripe, Stripe Treasury, Tipalti
Stripe
Two alternativesHelcim, Square
no first choiceagainst: Airwallex, PayPal, Payoneer, Skrill, Square, Stripe, Venmo for Business
Kimi K2MineralTree
Four alternativesAvidXchange, BILL Accounts Receivable, HighRadius, Stripe
VersapayChanged
One alternativeGaviti
against: BILL Accounts Receivable
Stripe
Four alternativesAirwallex, BILL Accounts Receivable, Melio, Tipalti
Helcim
One alternativeMelio
against: Square, Stripe
no first choiceagainst: Airwallex, BILL Accounts Receivable, Dodo Payments, Global Payments, Melio, Paystack, Stax, Stripe
GLM 4.7 FlashXHelcim
Four alternativesAdyen, AvidXchange, MineralTree, Stripe
VersapayChanged
Two alternativesAvidXchange, Billtrust
Stripe
Seven alternativesAdyen, AvidXchange, BILL Accounts Receivable, Coupa Pay, Flywire, Tipalti, Wise Business
Helcim
Four alternativesGoCardless, PayPal, Square, Stripe
no first choiceagainst: BlueSnap, Finvert, MuchBetter, Nummuspay, Payza, iPayTotal
MiniMax M2.5AvidXchange, Tipalti
Three alternativesBILL Accounts Receivable, Helcim, Stripe
Gaviti, VersapayChanged
Three alternativesBILL Accounts Receivable, Chaser, Invoiced
no first choice
Eight alternativesAdyen, AvidXchange, BILL Accounts Receivable, Coupa Pay, PayPal, Square, Stripe, Wise Business
Melio, Nickel
Three alternativesHelcim, Square, Stripe
no first choiceagainst: Block, Payer, Plastiq, Wise Business
Bold 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
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 08:32yes98 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 09:06yes55 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-10-01 11:18yes2231 s
Direct recommendationPerplexity Sonarsonar2026-10-01 10:54yes142 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:47yes2516 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-10-01 10:23yes54 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 09:34yes1831 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 07:45yes59 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 10:19yes519 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:37yes1922 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 11:18yes2079 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 09:45yes2283 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 09:27yes97 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:31yes36 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-10-01 10:32yes2024 s
ParaphrasePerplexity Sonarsonar2026-10-01 11:13yes204 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 07:53yes239 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-10-01 10:31yes53 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 10:38yes2324 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 10:39yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 09:20yes528 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-10-01 10:14yes1522 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 09:04yes2456 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 11:26yes932 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 11:01yes99 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:47yes68 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-10-01 08:34yes1227 s
ComparativePerplexity Sonarsonar2026-10-01 10:12yes186 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 08:10yes239 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-10-01 10:24yes78 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 11:00yes2554 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 09:32yes51 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 08:14yes1022 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-10-01 09:08yes1048 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 08:53yes1932 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 10:43yes1433 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 08:38yes97 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 09:28yes45 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-01 10:26yes2125 s
Budget constrainedPerplexity Sonarsonar2026-10-01 08:24yes182 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:34yes2411 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-10-01 08:56yes65 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 09:50yes2337 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 09:02yes56 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 08:00yes1023 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:23yes1922 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 09:58yes23330 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 08:09yes833 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 08:52no07 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 09:37no08 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-01 11:12yes727 s
Scale constrainedPerplexity Sonarsonar2026-10-01 11:25yes197 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 07:32yes1411 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-10-01 08:27no08 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 10:26yes2049 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 10:08yes52 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 07:51yes933 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-01 10:00yes1327 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 09:46yes2435 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 10:30no010 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 07:50yes189 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 07:57yes06 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-10-01 11:13yes1827 s
Negative framingPerplexity Sonarsonar2026-10-01 07:58yes174 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:36yes2516 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-10-01 11:20yes55 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 08:29yes2536 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 07:44yes52 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 08:45yes1048 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:54yes2520 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 08:32yes2332 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 07:41yes2442 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

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Category-scoped readings
BILL read as BILL Accounts Receivable
BILL (Bill.com) read as BILL Accounts Receivable
BILL (formerly Bill.com) read as BILL Accounts Receivable
BILL / Bill.com read as BILL Accounts Receivable
Bill.com read as BILL Accounts Receivable
Bill.com (BILL) read as BILL Accounts Receivable
Coupa (Coupa Pay) read as Coupa Pay
Quadient (YayPay) read as Quadient AR
Venmo read as Venmo for Business
Venmo Business read as Venmo for Business
Unresolved, counted raw
Appstar Financial
Blue Dog Business Services
Cypress Bay Solutions
Eliot Management Group
Finvert
MuchBetter
Nummuspay
PayTrace
Payer
Payment Depot
Payscape Advisors
Pepper Pay
Solid Financial Technologies
Sundance Payment Solutions
Traild Pay
WizPay by WizCommerce
iPayTotal
Discontinued, still offered
No shut-down product was recommended here.
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