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September 2026 Edition, published September 17, 2026 · The permanent record of that edition, superseded since.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

Spend management platforms

Asked as “spend management platform”, and as “all-in-one spend control software”, on behalf of a mid-market B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
44%
Clear leader
44Ramp17Airbase15BILL Spend & Expense24others

44% 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 twelve models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Ramp44%12%66endorsed leader
02Airbase17%8%39accepted challenger
03BILL Spend & Expense15%16%49accepted challenger
04Payhawk6%4%24accepted challenger
05Spendesk4%18%28accepted challenger
06Zoho Expense4%0%14accepted challenger
07Coupa2%31%32criticized challenger
Show the five products at 0%, ordered by negative rate
12SAP Concur0%56%18criticized challenger
11Expensify0%47%17criticized challenger
10Rippling Spend0%29%14criticized challenger
09Navan0%15%13accepted challenger
08Brex0%14%50accepted 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 six head-to-head pages: the top four 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
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03
04
05
06
07
08
09
10
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Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Ramp44%
02Airbase17%
03BILL Spend & Expense15%
04Payhawk6%
05Spendesk4%
06Zoho Expense4%
07Coupa2%
08Brex0%
09Navan0%
10Rippling Spend0%
11Expensify0%
12SAP Concur0%

What they warned about

Five of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, Grok 4.1 Fast, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, 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 Spend & Expense
16%
8 of 49 labels negative · 8 of 12 models · 3 hard negative
“🚩 Bill.com (formerly Divvy) — High Caution Recommended ... notably strong negative feedback across G2 and Trustpilot” Qwen 3.7 Flash, negative prompt
Coupa
31%
10 of 32 labels negative · 8 of 12 models · 2 hard negative
“Coupa's expense management module lacks features found in specialized competitors, has no native corporate card” Claude Haiku 4.5, negative prompt
Ramp
12%
8 of 66 labels negative · 8 of 12 models · 1 hard negative
“Users frequently cite issues with receipt management, such as problems with voiding transactions and unusable CSV exports.” Mistral Small, negative prompt
SAP Concur
56%
10 of 18 labels negative · 7 of 12 models · 5 hard negative
“SAP Concur (Avoid if you are an SMB or value user experience)... notorious for having an outdated, non-intuitive interface and slow processing times.” 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

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. 1062 links across 180 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · Ramp49 answers · 72 citations · 14 models
vendor site · Rho35 answers · 39 citations · 10 models
vendor site · Brex33 answers · 41 citations · 11 models
vendor site · BILL31 answers · 39 citations · 13 models
vendor site · Airwallex29 answers · 36 citations · 12 models
vendor site · Emburse29 answers · 36 citations · 12 models
vendor site · G228 answers · 72 citations · 12 models
vendor site · G227 answers · 34 citations · 11 models
vendor site · OFX23 answers · 24 citations · 11 models
vendor site · Zylo23 answers · 23 citations · 11 models
vendor site · Corpay20 answers · 21 citations · 10 models
vendor site · Payhawk20 answers · 21 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.

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 spend management platform”, “spend management platform”, “spend management platforms”. 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.com44%1042246,00049,733770,056$13,5111203
Airbase airbase.com17%15814,8005775,429
BILL bill.com
BILL Spend & Expense 15%
15%3422,740,0001,063,0011,783,039 company$199,2311197
Payhawk payhawk.com6%1152,400275,824213
Spendesk spendesk.com4%881,0002224,6102
Zoho parent site
Zoho Expense 4%
4%1865,40052
Fraxion fraxion.biz4%87
Coupa coupa.com2%67460,5001,21041,319$33991
Procurify procurify.com2%2204,4004362,225$28214
Precoro precoro.com2%2831,000382,96686

Google's top ten for the three searches hold 14 sites; 6 of them are among the sites the models cited here (bill.com, brex.com, g2.com, ofx.com, payhawk.com, ramp.com). The first result for “best spend management platform” is gartner.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
ModelDirect“What is the best spend management platform for a mid-market B2B company?”Paraphrase“Which all-in-one spend control software would you recommend to a mid-sized B2B company?”Comparative“What are the top spend management platforms and how do they differ?”Budget-constrained“What is the best spend management platform for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a spend management platform. What should we look at?”Negative“Which spend management platforms should I avoid or be cautious about?”
Claude Haiku 4.5Ramp
Five alternativesAirbase, Brex, Corpay Complete, Coupa, Procurify
FraxionChanged
Three alternativesAirbase, Precoro, Ramp
Brex, Ramp
Nine alternativesAirbase, BILL Spend & Expense, Coupa, Expensify, Navan, Payhawk, Pleo, Spendesk, Spendflo
BILL Spend & Expense, Ramp
One alternativeZoho Expense
no first choiceagainst: Coupa, Expensify, Ramp, SAP Concur
GPT-5.4 miniRamp
Three alternativesBILL Spend & Expense, Procurify, SAP Concur
RampHeld
One alternativeBrex
no first choice
Eight alternativesAirbase, BILL Spend & Expense, Brex, Coupa, Expensify, Navan, Ramp, SAP Concur
BILL Spend & Expense
Two alternativesMoss, SpendHound
against: SAP Concur
no first choiceagainst: SAP Concur, Spendflo
Gemini 3.5 FlashRamp
Five alternativesAirbase, Brex, Navan, Payhawk, Spendesk
RampHeld
Three alternativesBrex, Paylocity for Finance, Procurify
Ramp
Five alternativesAirbase, BILL Spend & Expense, Brex, Navan, Rippling Spend
against: SAP Concur
Ramp
Three alternativesBILL Spend & Expense, Mercury, Zoho Expense
Ramp
Three alternativesAirbase, Brex, Navan
against: Coupa, SAP Concur
against: BILL Spend & Expense, Brex, Expensify, Ramp, SAP Concur
Perplexity SonarPayhawk
Five alternativesBILL Spend & Expense, Corpay Complete, Procurify, Ramp, Spendesk
PayhawkHeld
Three alternativesAirbase, BILL Spend & Expense, Paylocity Spend
Ramp
Five alternativesBILL Spend & Expense, Brex, Coupa, Navan, Rippling Spend
BILL Spend & Expense
Two alternativesExpensify, Ramp
against: Brex
no first choiceagainst: BILL Spend & Expense, Expensify, Navan, Ramp, Spendesk
Grok 4.1 FastProcurify
Three alternativesAirbase, BILL Spend & Expense, Spendwise
against: Coupa
RampChanged
Four alternativesBrex, Navan, Payhawk, Spendesk
against: Airbase, BILL Spend & Expense
Ramp
Six alternativesAirbase, Airwallex, Brex, Coupa, Payhawk, Spendesk
Ramp
Four alternativesBILL Spend & Expense, Brex, Expensify, Zoho Expense
no first choiceagainst: Coupa, Expensify, Navan, Payhawk, Rippling Spend, SAP Ariba, SAP Concur
Mistral SmallAirbase, Ramp
One alternativeBrex
Fraxion, SpendfloChanged
Three alternativesPrecoro, Rippling Spend, Spendesk
Coupa
Four alternativesAirbase, SAP Ariba, Spendesk, Tipalti
Zoho Expense
One alternativeBILL Spend & Expense
no first choiceagainst: BILL Spend & Expense, Coupa, Ramp, Rippling Spend
DeepSeek V4 FlashRamp
Three alternativesAirbase, BILL Spend & Expense, Spendesk
against: Brex
RampHeld
Four alternativesAirbase, BILL Spend & Expense, Brex, Payhawk
Coupa
Eight alternativesAirbase, BILL Spend & Expense, Brex, Expensify, Ramp, Rippling Spend, SAP Ariba, Zoho Expense
BILL Spend & Expense, Ramp
Two alternativesExpensify, Zoho Expense
against: Brex
Airbase, Payhawk
Two alternativesBrex, Ramp
against: Coupa
against: BILL Spend & Expense, Coupa, Expensify, Rippling Spend, SAP Concur
Llama 4 MaverickAirbase
Seven alternativesAvidXchange, BILL Spend & Expense, Brex, Corpay Complete, Coupa, Payhawk, Ramp
Airbase, SpendeskChangedno first choiceBILL Spend & Expense
Two alternativesBrex, Ramp
no first choicenothing named
Qwen 3.7 FlashCoupa, Ramp
Two alternativesBILL Spend & Expense, Procurify
AirbaseChanged
Two alternativesRamp, Spendesk
no first choice
Five alternativesAirbase, BILL Spend & Expense, Brex, Ramp, Rippling Spend
against: Coupa
BILL Spend & Expense, Zoho Expense
One alternativeRamp
no first choiceagainst: BILL Spend & Expense, Ramp, Spendesk
Kimi K2Ramp
Three alternativesAirbase, Brex, Paylocity for Finance
RampHeld
Two alternativesPayhawk, Spendesk
against: Airbase
Ramp
Eight alternativesAirbase, Brex, Coupa, Ivalua, Navan, Oracle Fusion Cloud Procurement, SAP Ariba, Workday Strategic Sourcing
against: BILL Spend & Expense, Expensify
Ramp
Three alternativesBILL Spend & Expense, Wave, Zoho Expense
against: Brex
no first choiceagainst: Coupa, Expensify, SAP Concur
GLM 4.7 FlashXPrecoro
Four alternativesAirbase, Coupa, ProcureDesk, Procurify
Airbase, RampChanged
Four alternativesBILL Spend & Expense, Brex, Payhawk, Spendesk
Ramp
Six alternativesAirwallex, BILL Spend & Expense, Brex, Emburse, Payhawk, Spendesk
against: Coupa
Ramp
Five alternativesBILL Spend & Expense, Brex, Expensify, Wave, Zoho Expense
no first choiceagainst: Corpay Complete, Ramp, SAP Concur, Spendesk
MiniMax M2.5BILL Spend & Expense
Three alternativesCoupa, Rho, SAP Ariba
AirbaseChanged
Three alternativesMoss, Payhawk, Spendesk
no first choice
Seven alternativesAirbase, Brex, Coupa, Payhawk, Ramp, SAP Ariba, Spendesk
BILL Spend & Expense
Three alternativesAirwallex, Ramp, Zoho Expense
no first choiceagainst: BILL Spend & Expense, Ramp, Rippling Spend, Spendesk
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 09:03yes139 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 09:16yes45 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-10-01 10:13yes1322 s
Direct recommendationPerplexity Sonarsonar2026-10-01 08:27yes183 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:18yes2510 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-10-01 10:46yes53 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 09:23yes2418 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 08:38yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 07:41no034 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:06yes1518 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 10:56yes2021 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 10:52yes512 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 11:25yes1810 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:10yes36 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-10-01 10:32yes1621 s
ParaphrasePerplexity Sonarsonar2026-10-01 10:01yes174 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 09:19yes256 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-10-01 07:55yes106 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 09:09yes2227 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 09:17yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 08:53yes831 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-10-01 09:46yes1323 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 10:30yes1493 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 07:48yes1327 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 08:18yes97 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 10:51yes87 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-10-01 08:55yes1728 s
ComparativePerplexity Sonarsonar2026-10-01 10:27yes165 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 09:09yes188 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-10-01 10:50yes159 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 09:47yes2554 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 10:28yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 10:32yes20104 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:54yes2033 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 07:47yes2125 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 11:24yes1520 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 11:14yes168 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:04yes45 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-01 10:17yes1126 s
Budget constrainedPerplexity Sonarsonar2026-10-01 10:22yes203 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 08:45yes239 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-10-01 07:59yes53 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 10:48yes1520 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 10:59yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 10:44yes728 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-01 09:46yes1015 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 10:11yes1052 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 08:12yes1123 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 10:38no07 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 09:58yes39 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-01 10:34no015 s
Scale constrainedPerplexity Sonarsonar2026-10-01 10:17yes185 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 08:23yes157 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-10-01 09:50no08 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 11:17yes2278 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 11:11yes52 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 10:52no031 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-01 09:24yes1928 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 10:01yes2317 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 11:05yes521 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 08:51yes1810 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:39yes46 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-10-01 09:18yes1625 s
Negative framingPerplexity Sonarsonar2026-10-01 09:04yes254 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 07:47yes218 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-10-01 10:17yes85 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 08:38yes2540 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 10:45yes51 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 09:01yes2157 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-10-01 10:39yes2520 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 09:08yes2288 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 08:10yes1320 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
BILL read as BILL Spend & Expense
BILL (Divvy) read as BILL Spend & Expense
Bill.com read as BILL Spend & Expense
Bill.com (formerly Divvy) read as BILL Spend & Expense
Corpay read as Corpay Complete
GEP read as GEP SMART
Paylocity read as Paylocity for Finance
Rippling read as Rippling Spend
Unresolved, counted raw
Paylocity Spend
Discontinued, still offered
No shut-down product was recommended here.
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