Cash application for small business buyers
Asked as “cash application software”, and as “payment matching automation”, on behalf of a small B2B company. 57 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
16%
Contested · QuickBooks Online 12%
16BILL12QuickBooks Online09Upflow63others
16% of first choices, contested.
Since September 2026↗new leaderNew leader since September 2026: BILL (18%) replaces QuickBooks Payments (14% then, 6% now), 12 points clear, past the 10-point floor.BILL leads at 18%, replacing QuickBooks Payments, which led at 14% and stands at 6% now: 12 points clear, past the floor.
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.
Small business
BILL16%Contested↗new leaderNew leader since September 2026: BILL (18%) replaces QuickBooks Payments (14% then, 6% now), 12 points clear, past the 10-point floor.This pageMid-market
Versapay9%Contested↗new leaderNew leader since September 2026: BILL (10%) replaces HighRadius (16% then, 10% now), 0 points clear, inside the 10-point floor.Standing →Enterprise
HighRadius62%Clear leader▲+12Since September 2026: 49% → 61%, +12 points. Past the 10-point floor: movement. Read over the models both editions asked.Standing →
BILL16%Contested↗new leaderNew leader since September 2026: BILL (18%) replaces QuickBooks Payments (14% then, 6% now), 12 points clear, past the 10-point floor.This pageMid-marketVersapay9%Contested↗new leaderNew leader since September 2026: BILL (10%) replaces HighRadius (16% then, 10% now), 0 points clear, inside the 10-point floor.Standing →EnterpriseHighRadius62%Clear leader▲+12Since September 2026: 49% → 61%, +12 points. Past the 10-point floor: movement. Read over the models both editions asked.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01BILL16%9%23accepted challenger▲+6Since September 2026: 12% → 18%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.12% → 18%
BILL16%9%23accepted challenger▲+6Since September 2026: 12% → 18%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.12% → 18%02
QuickBooks Online12%0%16accepted challenger▲+8Since September 2026: 4% → 12%, +8 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 12%
QuickBooks Online12%0%16accepted challenger▲+8Since September 2026: 4% → 12%, +8 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 12%03
Upflow9%5%20accepted challenger▲+6Since September 2026: 4% → 10%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 10%
Upflow9%5%20accepted challenger▲+6Since September 2026: 4% → 10%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 10%04
Kolleno7%12%25accepted challenger▲+4Since September 2026: 2% → 6%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 6%
Kolleno7%12%25accepted challenger▲+4Since September 2026: 2% → 6%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 6%05
QuickBooks Payments7%10%10accepted challenger▼−8Since September 2026: 14% → 6%, −8 points. Inside the 10-point floor: within noise. Read over the models both editions asked.14% → 6%
QuickBooks Payments7%10%10accepted challenger▼−8Since September 2026: 14% → 6%, −8 points. Inside the 10-point floor: within noise. Read over the models both editions asked.14% → 6%06
Chaser5%0%27accepted challenger▲+2Since September 2026: 4% → 6%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 6%
Chaser5%0%27accepted challenger▲+2Since September 2026: 4% → 6%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 6%07
Cashbook5%0%10accepted challenger▲+6Since September 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 6%
Cashbook5%0%10accepted challenger▲+6Since September 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 6%08
Gaviti4%10%20accepted challenger▼−6Since September 2026: 10% → 4%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.10% → 4%
Gaviti4%10%20accepted challenger▼−6Since September 2026: 10% → 4%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.10% → 4%09
RemitClear2%0%10accepted challenger▼−6Since September 2026: 8% → 2%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.8% → 2%
RemitClear2%0%10accepted challenger▼−6Since September 2026: 8% → 2%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.8% → 2%10
Xero2%0%10accepted challenger▼−2Since September 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 2%
Xero2%0%10accepted challenger▼−2Since September 2026: 4% → 2%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.4% → 2%Show the six products at 0%, ordered by negative rate
13
Esker0%84%19criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Esker0%84%19criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%15
BlackLine Cash Application0%83%24criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
BlackLine Cash Application0%83%24criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%16HighRadius0%80%41criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
HighRadius0%80%41criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%14
Billtrust0%69%32criticized challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Billtrust0%69%32criticized challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%11Versapay0%22%27accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Versapay0%22%27accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%12
Quadient Accounts Receivable0%9%11accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%
Quadient Accounts Receivable0%9%11accepted challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured
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.
For buyers
All twenty-eight head-to-head pages: the top eight products, each against each
Versapay vs StuutVersapay vs KollenoVersapay vs BilltrustVersapay vs EskerUpflow vs BILLUpflow vs HighRadiusUpflow vs StuutUpflow vs KollenoUpflow vs BilltrustUpflow vs EskerBILL vs HighRadiusBILL vs StuutBILL vs KollenoBILL vs BilltrustBILL vs EskerHighRadius vs StuutHighRadius vs KollenoHighRadius vs BilltrustHighRadius vs EskerStuut vs KollenoStuut vs BilltrustStuut vs EskerKolleno vs BilltrustKolleno vs EskerBilltrust vs Esker
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 →
01020304050607080910111213141516Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative30%
Key
01BILL16%
BILL16%02QuickBooks Online12%
QuickBooks Online12%03Upflow9%
Upflow9%04Kolleno7%
Kolleno7%05QuickBooks Payments7%
QuickBooks Payments7%06Chaser5%
Chaser5%07Cashbook5%
Cashbook5%08Gaviti4%
Gaviti4%09RemitClear2%
RemitClear2%10Xero2%
Xero2%11Versapay0%
Versapay0%12Quadient Accounts Receivable0%
Quadient Accounts Receivable0%13Esker0%
Esker0%14Billtrust0%
Billtrust0%15BlackLine Cash Application0%
BlackLine Cash Application0%16HighRadius0%
HighRadius0%What they warned about
Zero of fourteen 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, MiniMax M2.5, GPT-6 Luna 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.
HighRadius80%
33 of 41 labels negative · 13 of 14 models · 16 hard negative
“**Avoid** HighRadius, Esker, and most of Billtrust/BlackLine unless your payment volume or audit requirements genuinely justify enterprise pricing.”” Muse Glimmer 30B, negative prompt
BlackLine Cash Application83%
20 of 24 labels negative · 13 of 14 models · 12 hard negative
“**Avoid** HighRadius, Esker, and most of Billtrust/BlackLine unless your payment volume or audit requirements genuinely justify enterprise pricing.”” Muse Glimmer 30B, negative prompt
Billtrust69%
22 of 32 labels negative · 10 of 14 models · 14 hard negative
“**Avoid** HighRadius, Esker, and most of Billtrust/BlackLine unless your payment volume or audit requirements genuinely justify enterprise pricing.”” Muse Glimmer 30B, negative prompt
Esker84%
16 of 19 labels negative · 9 of 14 models · 8 hard negative
“Listed alongside HighRadius as an enterprise/mid-market option to avoid for typical SMB use” Muse Glimmer 30B, negative 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. 1055 links across 216 sites, every framing counted. Ranked by the number of answers carrying the site or page. 52 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · HighRadius45 answers · 64 citations · 13 models
41 answers · 50 citations · 13 models
vendor site · Bluecopa31 answers · 32 citations · 11 models
vendor site · RemitClear29 answers · 41 citations · 12 models
vendor site · Cashbook28 answers · 29 citations · 11 models
vendor site · Stuut25 answers · 38 citations · 8 models
vendor site · Upflow24 answers · 29 citations · 12 models
vendor site · Lunos23 answers · 27 citations · 9 models
21 answers · 32 citations · 10 models
20 answers · 23 citations · 10 models
20 answers · 20 citations · 11 models
vendor site · Versapay17 answers · 23 citations · 9 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.
32 answers · 13 models
29 answers · 11 models
28 answers · 12 models
27 answers · 11 models
23 answers · 11 models
21 answers · 12 models
20 answers · 9 models
19 answers · 10 models
19 answers · 10 models
18 answers · 9 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 “best cash application software”, “cash application software”, “cash application tools”. 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 |
|---|---|---|---|---|---|---|---|---|
| BILL bill.com BILL 16%, BILL Accounts Receivable 2% | 18% | 444 | 2,740,000 | 1,063,001 | 1,783,039 | $199,231 | 119 | 7 |
| QuickBooks quickbooks.ninja QuickBooks Online 12% | 12% | 621 | 1,000,000 | 54,681 | 253 company | |||
| Upflow upflow.io | 9% | 170 | 880 | 102 | 25,361 | |||
| Kolleno kolleno.com | 7% | 90 | 210 | 0 | 6,343 | $92 | 37 | 3 |
| QuickBooks parent site QuickBooks Payments 7% | 7% | 59 | 1,000,000 | 54,681 | ||||
| Chaser chaserhq.com | 5% | 218 | 6,120,000 | 13,683 | 11,066 | 0 | 2 | |
| Cashbook cashbook.com | 5% | 23 | 1,600 | 49 | 1,306 | |||
| Gaviti gaviti.com | 4% | 136 | 320 | 4 | 6,043 | 0 | 4 | |
| Zoho zoho.com Zoho Books 4% | 4% | 326 | 27,100 | 268 | 1,216,894 company | $51,031 | 119 | |
| Plooto plooto.com | 4% | 38 | 1,000 | 26 | 17,578 | 0 |
Google's top ten for the three searches hold 17 sites; 3 of them are among the sites the models cited here (chaserhq.com, highradius.com, versapay.com). The first result for “best cash application software” is highradius.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 cash application software for a small B2B company?”Paraphrase“Which payment matching automation would you recommend to a small business that sells to other businesses?”Comparative“What are the top cash application tools for a small team and how do they differ?”Budget-constrained“What is the best cash application software for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a cash application software. What should we look at?”Negative“Which cash application tools should a small business avoid or be cautious about?”
Claude Haiku 4.5Chaser, UpflowBILLChangedKollenoFloat, QuickBooks Onlineno first choiceagainst: Agicap, BlackLine Cash Application, Float, Kyriba, NetSuite Cash Application, SAP Cash Management, Sage's CashAnalytics
Two alternatives
Billtrust, VersapayThree alternatives
Melio, Ramp, StampliTwo alternatives
Gaviti, VersapayThree alternatives
Cashbook, GnuCash, VersapayGPT-5.4 miniUpflowagainst: Quadient Accounts Receivable, SAP Cash ApplicationBILLChangedGaviti, Kollenoagainst: HighRadius, SAP Cash ApplicationBILLagainst: Emagia, SAP Cash Applicationno first choicenothing named
Two alternatives
Chaser, KollenoFour alternatives
Billtrust, Kolleno, SAP Cash Application, UpflowThree alternatives
Billtrust, Esker, VersapayFour alternatives
Float, QuickBooks Online, Xero, cashwiseGemini 3.5 FlashRemitClear, Upflowagainst: Billtrust, BlackLine Cash Application, HighRadiusChaserChangedagainst: Billtrust, HighRadiusUpflowagainst: BILL, BlackLine Cash Application, HighRadiusQuickBooks Online, Xeroagainst: Billtrust, HighRadius, SerralaKolleno, Plootoagainst: HighRadius, Serralaagainst: Billtrust, BlackLine Cash Application, Cash App, Emagia, HighRadius, PayPal, Venmo, Zelle
Three alternatives
Chaser, Kolleno, LunosTwo alternatives
Kolleno, UpflowThree alternatives
Chaser, Gaviti, KollenoSeven alternatives
BILL, Chaser, LedgerUp, Melio, QuickBooks Payments, RemitClear, StripeFive alternatives
Alternative Payments, Centime, Chaser, NetSuite Automated Cash Application, TesorioPerplexity SonarUpflowagainst: BlackLine Cash Application, HighRadiusMethod PayChangedPaystand, RexCashbook, Clear Booksno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius
Two alternatives
Chaser, Quadient Accounts ReceivableTwo alternatives
Airwallex, StripeSix alternatives
BlackLine Cash Application, HighRadius, Kolleno, Lunos, Stuut, UpflowThree alternatives
Gaviti, Odoo Accounting, Quadient Accounts ReceivableGrok 4.1 FastBILLagainst: KollenoQuickBooks OnlineChangedChaser, Kollenoagainst: BlackLine Cash Application, HighRadiusQuickBooks Onlineagainst: Billtrust, HighRadiusno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius
Two alternatives
Chaser, UpflowThree alternatives
BILL, Chaser, VersapayThree alternatives
Bectran, Gaviti, InvoicedThree alternatives
BILL, Chaser, LunosMistral SmallGaviti, KollenoBILLChangedChaser, Gaviti, VersapayQuickBooks Paymentsno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, Stripe
One alternative
Quadient Accounts ReceivableTwo alternatives
Esker, UpflowTwo alternatives
Gaviti, Monk Cash ApplicationThree alternatives
BILL, Lockstep, MelioDeepSeek V4 FlashGavitiagainst: Billtrust, Esker, HighRadiusChaserChangedagainst: TipaltiRemitClearagainst: HighRadiusLunosagainst: BILL, Billtrust, Esker, HighRadiusStuutagainst: Billtrust, Esker, HighRadius, Serralaagainst: Billtrust, BlackLine Cash Application, Cash App, Esker, HighRadius, Venmo, Versapay, Zelle
Three alternatives
Kolleno, QuickBooks Payments, VersapayThree alternatives
BILL, QuickBooks Online / Xero, UpflowTwo alternatives
Gaviti, OpenEnvoyTwo alternatives
QuickBooks Online, XeroThree alternatives
Gaviti, Kolleno, VersapayLlama 4 MaverickBectran Cash Applicationno first choiceChangedno first choiceCashbookno first choiceagainst: Billtrust, BlackLine Cash Application, Cash App, Esker, HighRadius, Venmo, Versapay, Zelle
Two alternatives
BlackLine Cash Application, RexOne alternative
VersapayQwen 3.7 FlashMonkagainst: HighRadiusBILLChangedPaidniceagainst: KollenoReconcilragainst: BlackLine Cash Application, HighRadiusno first choicenothing named
Two alternatives
Chaser, RemitClearTwo alternatives
Stripe Billing, Syncpoint SystemsTwo alternatives
Chaser, InvoicedFour alternatives
Adyen, QuickBooks Online, Stripe, XeroKimi K2Kolleno, Upflowagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, VersapayQuickBooks Online, QuickBooks PaymentsChangedKolleno, RemitClearMelio, Plootoagainst: Billtrust, Esker, HighRadiusCashbookagainst: BlackLine Cash Application, HighRadius, Serralaagainst: Billtrust, BlackLine Cash Application, Cash App, Esker, HighRadius, Venmo, Wave, Zelle
Two alternatives
Chaser, RemitClearThree alternatives
BILL, DocuClipper, XeroThree alternatives
Chaser, Lunos, VersapayThree alternatives
BILL, Paidnice, QuickBooks PaymentsThree alternatives
Chaser, Invoiced, VersapayGLM 4.7 FlashXBILLagainst: QuickBooks PaymentsBILL, Invoiced, Ramp Bill PayChangedagainst: HighRadiusQuadient Accounts ReceivableZoho Booksagainst: Billtrust, HighRadiusno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, OpenEnvoy, Serrala, Stripe Cash Application, Tesorio
Two alternatives
Gaviti, UpflowSeven alternatives
Digits, Gaviti, PayTraQer, QuickBooks Online, Streamlined, Versapay, XeroTwo alternatives
Billtrust, HighRadiusThree alternatives
Lunos, QuickBooks Online, UpflowFour alternatives
Monk, Stuut, Tesorio, VersapayMiniMax M2.5QuickBooks Paymentsagainst: Gaviti, UpflowBILLChangedKolleno, LunosQuickBooks Onlineno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius
Two alternatives
Chaser, InvoicedThree alternatives
Forwardly, Invoiced, VersapayTwo alternatives
Invoiced, VersapayFour alternatives
Lunos, Paidnice, Upflow, Zoho BooksGPT-6 LunaCentimeagainst: KollenoQuickBooks Payments with automatic matchingChangedagainst: VersapayQuickBooks Online, Xeroagainst: VersapayQuickBooks Online, Zoho Booksagainst: Quick Receivableno first choiceagainst: BlackLine Cash Application, HighRadius, Stripe
One alternative
MelioThree alternatives
Bill360, Chaser, MelioMuse Glimmer 30BKollenoagainst: GavitiBILL Accounts ReceivableChangedCashbook, Versapayagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, SerralaQuickBooks Paymentsagainst: Billtrust, Esker, HighRadiusno first choiceagainst: Billtrust, BlackLine Cash Application, Esker, HighRadius, Versapay
One alternative
StripeThree alternatives
Paidnice, QuickBooks Payments, Xero’s Smart Bank ReconciliationTwo alternatives
Kolleno, RexFive alternatives
Cashbook, Gaviti, Lunos, RemitClear, UpflowThree alternatives
Gaviti, Kolleno, Quadient Accounts ReceivableBold 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 | 2026-10-01 11:02 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:34 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:54 | yes | 14 | 20 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 08:59 | yes | 17 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:37 | yes | 22 | 8 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:58 | yes | 8 | 6 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:30 | yes | 21 | 22 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:33 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:34 | yes | 15 | 44 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:04 | yes | 17 | 24 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:30 | yes | 24 | 115 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:02 | yes | 16 | 37 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:34 | yes | 2 | 22 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:35 | yes | 23 | 28 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:27 | yes | 18 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:00 | yes | 4 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:20 | yes | 15 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 09:54 | yes | 18 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:12 | yes | 25 | 8 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:55 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:43 | yes | 24 | 32 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:59 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:19 | no | 0 | 41 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:42 | yes | 15 | 23 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:25 | yes | 24 | 73 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:20 | yes | 10 | 30 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:40 | yes | 3 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:28 | yes | 22 | 26 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:09 | yes | 9 | 18 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:39 | yes | 2 | 6 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:03 | yes | 26 | 28 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 08:12 | yes | 14 | 4 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:26 | yes | 19 | 12 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:44 | yes | 5 | 7 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:07 | yes | 23 | 42 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:35 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:24 | yes | 13 | 58 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:20 | yes | 18 | 26 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:12 | yes | 24 | 57 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:49 | yes | 20 | 29 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:56 | yes | 6 | 22 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:47 | yes | 22 | 41 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:00 | yes | 9 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:42 | yes | 3 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:03 | yes | 18 | 21 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 07:46 | yes | 21 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:03 | yes | 24 | 8 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:26 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:09 | yes | 24 | 26 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:20 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:30 | no | 0 | 38 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:10 | yes | 23 | 28 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:06 | yes | 22 | 47 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:23 | yes | 9 | 25 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:38 | yes | 3 | 15 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:10 | yes | 13 | 22 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:15 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:13 | no | 0 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:59 | yes | 11 | 25 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 10:13 | yes | 18 | 6 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:09 | yes | 17 | 9 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:57 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:17 | yes | 15 | 44 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:50 | yes | 5 | 2 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:34 | no | 0 | 27 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:47 | yes | 14 | 18 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:48 | yes | 12 | 16 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:08 | no | 0 | 9 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:33 | yes | 2 | 15 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:11 | yes | 13 | 31 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:58 | yes | 15 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:16 | yes | 0 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:46 | yes | 23 | 22 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 08:57 | yes | 19 | 2 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:21 | yes | 23 | 7 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:29 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 07:38 | yes | 22 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:02 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:55 | yes | 10 | 37 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:26 | yes | 23 | 29 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:46 | yes | 11 | 25 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:13 | yes | 11 | 34 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:33 | yes | 3 | 21 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:29 | yes | 8 | 13 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 AP/AR read as BILL
Bill.com read as BILL
BlackLine read as BlackLine Cash Application
Lunos AI read as Lunos
NetSuite read as Oracle NetSuite
Quadient read as Quadient Accounts Receivable
Quadient A/R read as Quadient Accounts Receivable
Quadient A/R (YayPay) read as Quadient Accounts Receivable
Quadient AR read as Quadient Accounts Receivable
QuickBooks read as QuickBooks Online
Yaypay (Quadient) read as Quadient Accounts Receivable
Unresolved, counted raw
Alternative Payments
BankApp
Bectran Cash Application
Method Pay
NetSuite Automated Cash Application
NetSuite Cash Application
PayTraQer
Quadient A/R/YayPay
QuickBooks Payments with automatic matching
Reconcilr
Sage's CashAnalytics
Shift4
Streamlined
Stripe Cash Application
Syncpoint Systems
Tallyfy
Xero’s Smart Bank Reconciliation
Zudoo
cashwise
Discontinued, still offered
No shut-down product was recommended here.