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September 2026 Edition, published September 17, 2026 · The permanent record of that edition, superseded since.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 › Spend and procurement › September 2026 Edition

Accounts payable automation

Asked as “accounts payable automation software”, and as “invoice processing automation”, on behalf of a mid-market B2B company. 59 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
22%
Contested · Stampli 22%
22Ramp22Stampli20BILL Accounts Payable36others

22% 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
01Ramp22%9%45accepted challenger
02Stampli22%5%42accepted challenger
03BILL Accounts Payable20%25%61accepted challenger
04Tipalti10%10%50accepted challenger
05AvidXchange5%8%37accepted challenger
06Melio5%5%19accepted challenger
07Medius3%0%23accepted challenger
08Airbase2%18%11accepted challenger
Show the two products at 0%, ordered by negative rate
10SAP Concur0%38%13criticized challenger
09Coupa0%29%14criticized 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-one head-to-head pages: the top seven 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
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Ramp22%
02Stampli22%
03BILL Accounts Payable20%
04Tipalti10%
05AvidXchange5%
06Melio5%
07Medius3%
08Airbase2%
09Coupa0%
10SAP Concur0%

What they warned about

Three of twelve 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, 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.
BILL Accounts Payable
25%
15 of 61 labels negative · 10 of 12 models · 3 hard negative
“Multiple users complain about Bill.com's practice of holding funds for extended periods — up to a week — before releasing them, which affects cash flow.” Muse Glimmer 30B, negative prompt
Tipalti
10%
5 of 50 labels negative · 5 of 12 models · 3 hard negative
“What to avoid on a tight budget:- Enterprise-oriented products like **Tipalti** and **Coupa** generally start much higher” Perplexity Sonar, budget prompt
Ramp
9%
4 of 45 labels negative · 4 of 12 models
“Ramp can be cost-effective for card-first teams, but finance teams needing robust, real-time AP-to-ERP workflows ... often find the AP layer thin.” Muse Glimmer 30B, negative prompt
SAP Concur
38%
5 of 13 labels negative · 4 of 12 models
“They are built for massive organizations and are often a poor fit for mid-market or rapidly scaling businesses.” Gemini 3.5 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

78 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. 1036 links across 224 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · Ramp46 answers · 88 citations · 13 models
vendor site · G241 answers · 64 citations · 12 models
vendor site · Medius36 answers · 60 citations · 13 models
vendor site · BILL29 answers · 38 citations · 13 models
vendor site · Tipalti28 answers · 38 citations · 11 models
vendor site · Corpay26 answers · 45 citations · 9 models
vendor site · Stampli25 answers · 35 citations · 12 models
vendor site · HighRadius21 answers · 29 citations · 10 models
vendor site · Payhawk21 answers · 22 citations · 9 models
vendor site · Rillion18 answers · 19 citations · 11 models
vendor site · G216 answers · 17 citations · 9 models
vendor site · Brex14 answers · 18 citations · 7 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 “accounts payable automation software”, “ap automation tools”, “best accounts payable automation software”. 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
Ramp ramp.com22%1042246,00049,733770,056$13,511120
Stampli stampli.com22%15718,1006826,332$39531
BILL bill.com
BILL Accounts Payable 20%
20%1582,740,0001,063,0011,783,039 company$199,231119
Tipalti tipalti.com10%51718,100381213,652$83,3631206
AvidXchange avidxchange.com5%16827,10039851,937$788277
Melio melio.com5%27733,10049236,039$1,42960
Medius medius.com3%982,9002,18343,385$6,291305
Xero xero.com2%73790,5004,6101,200,289$500119
Yooz getyooz.com2%244,4003611,827$23136
Airbase airbase.com2%15814,8005775,429

Google's top ten for the three searches hold 20 sites; 4 of them are among the sites the models cited here (brex.com, medius.com, stampli.com, tipalti.com). The first result for “accounts payable automation software” is reddit.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.
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ModelDirect“What is the best accounts payable automation software for a mid-market B2B company?”Paraphrase“Which invoice processing automation would you recommend to a mid-sized B2B company?”Comparative“What are the top AP automation tools and how do they differ?”Budget-constrained“What is the best accounts payable automation software for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating an accounts payable automation software. What should we look at?”Negative“Which AP automation tools should I avoid or be cautious about?”
Claude Haiku 4.5AvidXchange, MineralTree
Three alternativesMedius, Stampli, Tipalti
BILL Accounts Payable, YoozChanged
Two alternativesQuadient AP, Ramp
no first choiceRamp
Three alternativesBILL Accounts Payable, Melio, Zoho Books
no first choicenothing named
GPT-5.4 miniTipalti
Three alternativesAvidXchange, Basware, Medius
against: BILL Accounts Payable
StampliChanged
Two alternativesBILL Accounts Payable, Tipalti
BILL Accounts Payable
Five alternativesRamp, SAP Concur, Sage Intacct, Stampli, Tipalti
BILL Accounts Payable, Melio
Two alternativesApprovalMax, Plooto
no first choicenothing named
Gemini 3.5 FlashStampli
Four alternativesAvidXchange, Medius, Ramp, Tipalti
StampliHeld
Four alternativesAvidXchange, BILL Accounts Payable, Ramp, Tipalti
no first choiceRamp
Four alternativesMelio, Plooto, QuickBooks, Xero
against: BILL Accounts Payable
Stampli, Tipalti
Four alternativesAvidXchange, MineralTree, Quadient AP, ZoneCo
against: AvidXchange, BILL Accounts Payable, Paymerang, Paymode-X, SAP Concur, Tipalti
Perplexity SonarStampli, Tipalti
Three alternativesAvidXchange, BILL Accounts Payable, Corpay
AvidXchangeChanged
Three alternativesBILL Accounts Payable, Rillion, Tipalti
no first choice
Seven alternativesBILL Accounts Payable, Corpay, Medius, Melio, Ramp, Stampli, Tipalti
against: Coupa
Ramp
Two alternativesMelio, Xero
against: Coupa, Tipalti
no first choicenothing named
Grok 4.1 FastBILL Accounts Payable, Stampli
Three alternativesAvidXchange, Ramp, Tipalti
BILL Accounts PayableChanged
Three alternativesAvidXchange, Stampli, Yooz
against: Basware
BILL Accounts Payable
Three alternativesRamp, Stampli, Tipalti
Ramp
Two alternativesMelio, QuickBooks
against: BILL Accounts Payable
no first choice
Five alternativesAvidXchange, BILL Accounts Payable, Medius, Ramp, Tipalti
against: SAP Concur
against: BILL Accounts Payable, Ramp, Stampli, Tipalti
Mistral SmallMedius, Tipalti
Three alternativesBILL Accounts Payable, Quadient AP, Softco
Chaser, MediusChanged
Two alternativesAvidXchange, Oracle NetSuite
no first choiceBrex, Ramp
Three alternativesBILL Accounts Payable, Melio, Xero
no first choiceagainst: Airbase, BILL Accounts Payable
DeepSeek V4 FlashStampli
Three alternativesAirbase, AvidXchange, Tipalti
against: MineralTree
BILL Accounts PayableChanged
Four alternativesAvidXchange, Ramp, Stampli, Tipalti
no first choiceagainst: Coupa, SAP ConcurRamp
Two alternativesBrex, Melio
against: BILL Accounts Payable
no first choice
Two alternativesAvidXchange, Medius
against: BILL Accounts Payable, Coupa, SAP Concur
against: ACOM, AvidXchange, BILL Accounts Payable, Ramp, older SAP modules
Llama 4 Maverickno first choiceno first choiceHeldno first choiceBILL Accounts Payable, Ramp, Xerono first choicenothing named
Qwen 3.7 FlashBILL Accounts Payable
Four alternativesAvidXchange, Spendful, Tipalti, Vasario
BILL Accounts PayableHeld
Four alternativesAvidXchange, Rillion, Stampli, Tipalti
against: SAP Ariba
no first choiceRamp
Three alternativesMelio, QuickBooks, Xero
against: BILL Accounts Payable
no first choicenothing named
Kimi K2BILL Accounts Payable, Stampli
Three alternativesQuadient AP, Ramp, Tipalti
StampliChanged
Three alternativesBILL Accounts Payable, Invoiced, Tipalti
Tipalti
Seven alternativesAvidXchange, BILL Accounts Payable, Coupa, Medius, Ramp, SAP Concur, Stampli
Ramp
Two alternativesMelio, Xero
against: BILL Accounts Payable
no first choiceagainst: AvidXchange, BILL Accounts Payable, Melio, Stampli, Tipalti, Vic.ai
GLM 4.7 FlashXHighRadius
Seven alternativesAvidXchange, BILL Accounts Payable, Payhawk, Quadient AP, Ramp, Stampli, Tipalti
BILL Accounts PayableChanged
Two alternativesStampli, Tipalti
no first choice
Twelve alternativesAvidXchange, BILL Accounts Payable, Basware, Brex, Coupa, Medius, Melio, QuickBooks, Ramp, SAP Concur, Stampli, Tipalti
Ramp
Three alternativesMelio, QuickBooks, Zoho Books
no first choiceagainst: BILL Accounts Payable, Ramp, Tipalti
MiniMax M2.5Stampli, Tipalti
Four alternativesBILL Accounts Payable, HighRadius, Ramp, Sage Intacct
BILL Accounts Payable, TipaltiChanged
One alternativeStampli
against: SAP Concur
Medius
One alternativeTipalti
Melio, Ramp
Two alternativesBILL Accounts Payable, Invoice Fly
no first choiceagainst: BILL Accounts Payable
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 10:59yes97 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 09:55yes47 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-10-01 09:04yes2322 s
Direct recommendationPerplexity Sonarsonar2026-10-01 08:43yes193 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 09:33yes2112 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-10-01 08:17yes117 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 11:03yes2333 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 10:53yes51 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 07:49no036 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-10-01 09:43yes1018 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 08:04yes1431 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 09:28yes1335 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 10:23yes169 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 10:20yes34 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-10-01 08:21yes920 s
ParaphrasePerplexity Sonarsonar2026-10-01 11:11yes204 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 11:27yes249 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-10-01 07:38yes55 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 11:19yes2344 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 09:51yes53 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 09:21yes526 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:30yes1826 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 11:04yes2582 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 08:43yes537 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 08:39yes97 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 07:47yes36 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-10-01 07:48yes723 s
ComparativePerplexity Sonarsonar2026-10-01 10:18yes175 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 08:55yes206 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-10-01 07:40yes118 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 09:35yes2325 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 08:58yes51 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 11:02yes529 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:19yes1934 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 09:04yes1399 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 09:27yes918 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 09:46yes97 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:23yes25 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-01 08:57yes1420 s
Budget constrainedPerplexity Sonarsonar2026-10-01 11:20yes235 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:27yes247 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-10-01 08:14yes85 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 07:32yes2333 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 08:48yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 11:19yes1054 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:35yes1522 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 10:18yes2235 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 09:51yes919 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 08:47no08 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 10:50no07 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-01 08:13yes1325 s
Scale constrainedPerplexity Sonarsonar2026-10-01 08:00yes206 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 08:43yes158 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-10-01 07:58no010 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 10:12yes2048 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 08:31yes52 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 08:58no030 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:15yes1829 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 10:51yes14119 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 11:17yes522 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 10:27yes178 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 10:30yes38 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-10-01 08:18yes2527 s
Negative framingPerplexity Sonarsonar2026-10-01 09:51yes196 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 09:54yes208 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-10-01 08:29yes106 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 09:28yes2545 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 10:50yes52 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 10:17no035 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-10-01 10:45yes2525 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 09:08yes2261 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 08:35yes2134 s

Noise floor in this category

Flips between the edition run and its calibration repeat. Six prompts per model is a small sample; the index-wide floor is the number to trust.

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Claude Haiku 4.5
3 of 4 flipped
GPT-5.4 mini
3 of 4 flipped
Gemini 3.5 Flash
3 of 5 flipped
Perplexity Sonar
2 of 3 flipped
Grok 4.1 Fast
3 of 4 flipped
Mistral Small
4 of 4 flipped
DeepSeek V4 Flash
3 of 5 flipped
Llama 4 Maverick
2 of 2 flipped
Qwen 3.7 Flash
2 of 4 flipped
Kimi K2
3 of 4 flipped
GLM 4.7 FlashX
2 of 4 flipped
MiniMax M2.5
4 of 4 flipped

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 Payable
BILL (Bill.com) read as BILL Accounts Payable
BILL (formerly Bill.com) read as BILL Accounts Payable
BILL AP/AR read as BILL Accounts Payable
BILL AP/AR (formerly Bill.com) read as BILL Accounts Payable
Bill.com read as BILL Accounts Payable
Bill.com (BILL) read as BILL Accounts Payable
Bill.com / BILL read as BILL Accounts Payable
NetSuite read as Oracle NetSuite
Quadient read as Quadient AP
Quadient (formerly Beanworks) read as Quadient AP
QuickBooks Bill Pay read as QuickBooks
QuickBooks Online read as QuickBooks
Ramp Bill Pay read as Ramp
SAP Ariba Invoice Management read as SAP Ariba
Unresolved, counted raw
ACOM
MineralTree, a Global Payments company
PayRequest
Paymerang
Paymode-X
Simpl
Spendful
Vasario (formerly Finexware)
ZoneCo
older SAP modules
Discontinued, still offered
No shut-down product was recommended here.
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