B2B payment acceptance · October 2026 Edition
Versapay vs Melio
One of fourteen models named Versapay first on the direct prompt; zero named Melio. Versapay was named by fourteen of the fourteen models and Melio by ten and Versapay carries 17 labels and Melio 21, so the shares are not directly comparable.
Named in seven categories this edition.
Named in eight categories this edition.
First-choice share19%6%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate0%14%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#6A position in a field of 14; printed, not drawn.
Labels1721A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Versapay reading right to left. Rank and label count are printed, not drawn.BILL Accounts Receivable was named alongside these two in nine of the fourteen direct answers. Versapay vs Helcim · Versapay vs Stripe · Versapay vs BILL Accounts Receivable
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the B2B payment acceptance page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
VersapayFirst choices, of fourteen modelsMelio
Direct10
Paraphrase80
Comparative00
Budget-constrained03
Scale-constrained00
Negative003 against Melio
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Versapay and Melio stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| 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 | | |||||
| MiniMax M2.5 | | | ||||
| GPT-6 Luna | | | | |||
| Muse Glimmer 30B | | |
Versapay Melio first choice named as an alternative argued againstblank: not namedEach cell is one answer, Versapay on the left and Melio on the right.The direct prompt
The plain question, one answer per model, grouped by where Versapay and Melio stood in it.
Versapay first, Melio not the choice
1 of 14 modelsMelio was named in the answer but not as the choice, or not at all.GPT-6 LunaVersapay alternatives: Billtrust, Flywire, Stripe
Neither was the first choice, one was named
3 of 14 modelsThe answer put something else first and named one of the two as an alternative.Claude Haiku 4.5EBizCharge alternatives: BILL Accounts Receivable, HighRadius, Rillion, Versapay
GPT-5.4 miniBILL Accounts Receivable alternatives: HighRadius, Modern Treasury, Tipalti, Versapay
Gemini 3.5 FlashEBizCharge alternatives: Billtrust, Paystand, Resolve Pay, Versapay
Neither was named
10 of 14 modelsThe answer made no first choice from these two in this category.Perplexity SonarMineralTree alternatives: EBizCharge
Grok 4.1 FastStripe alternatives: AvidXchange, BILL Accounts Receivable, MineralTree
Mistral SmallEBizCharge alternatives: BILL Accounts Receivable, MineralTree
DeepSeek V4 FlashHighRadius alternatives: BILL Accounts Receivable, Quadient AR, Stripe
Llama 4 MaverickEBizCharge alternatives: AvidXchange, HighRadius
Qwen 3.7 FlashBILL Accounts Receivable alternatives: Chargebee, Forwardly, Nickel, Stripe Billing, Stripe Connect
Kimi K2MineralTree alternatives: AvidXchange, BILL Accounts Receivable, HighRadius, Stripe
GLM 4.7 FlashXHelcim alternatives: Adyen, AvidXchange, MineralTree, Stripe
MiniMax M2.5AvidXchange, Tipalti alternatives: BILL Accounts Receivable, Helcim, Stripe
Muse Glimmer 30BEBizCharge alternatives: BILL Accounts Receivable, Ramp, Stripe, Tipalti
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Mid-marketThe figures above
The order flips: Versapay leads at mid-market.
Versapay19%#1 of 14Melio6%#6 of 14Enterprise
Level: the same share of first choices.
Versapay0%#9 of 12Melio0%#– of 12What the models said about Versapay
No label in this category carried a quote.
What the models said about Melio
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of three in this category shown.
“BBB rating of "F" with 100+ negative reviews (2.21/5 average)” DeepSeek V4 Flash · negative prompt · hard negative
“Nickel (for unlimited free ACH) or Melio (for a free tier and low per-payment fees) are the best choices” Mistral Small · budget prompt · first choice
“Melio (Best Overall for Small Businesses) ... I'd recommend starting with Melio or Nickel” MiniMax M2.5 · budget prompt · first choice
Also compared
Versapay vs HelcimVersapay vs StripeVersapay vs BILL Accounts ReceivableVersapay vs BilltrustVersapay vs MineralTreeVersapay vs TipaltiHelcim vs MelioStripe vs MelioBILL Accounts Receivable vs MelioBilltrust vs MelioMelio vs MineralTreeMelio vs TipaltiAll twenty-eight head-to-head pages and the full B2B payment acceptance standing
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.