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September 2026 Edition, published September 17, 2026 · The permanent record of that edition, superseded since.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

Business bill pay

Asked as “bill pay platform for businesses”, and as “vendor payments software”, on behalf of a mid-market B2B company. 53 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing · first-choice share
32%
Contested · Ramp 21%
32BILL21Ramp13Melio34others

32% 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
01BILL32%21%57endorsed leader
02Ramp21%2%43accepted challenger
03Melio13%10%29accepted challenger
04AvidXchange11%0%26accepted challenger
05Tipalti6%2%40accepted challenger
06Stampli2%0%16accepted challenger
Show the two products at 0%, ordered by negative rate
08Doxo0%58%19criticized challenger
07QuickBooks Bill Pay0%10%10accepted 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
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01BILL32%
02Ramp21%
03Melio13%
04AvidXchange11%
05Tipalti6%
06Stampli2%
07QuickBooks Bill Pay0%
08Doxo0%

What they warned about

Three of twelve models held their first choice under the paraphrase. GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2 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.
Doxo
58%
11 of 19 labels negative · 11 of 12 models · 11 hard negative
“**Doxo** has come under scrutiny for misleading practices. The Federal Trade Commission (FTC) has highlighted that Doxo misrepresented itself as an official payment channel” Mistral Small, negative prompt
BILL
21%
12 of 57 labels negative · 8 of 12 models · 2 hard negative
“What to Avoid on a Limited Budget... it starts at **$29 to $79+ per user, per month**” Gemini 3.5 Flash, budget prompt
Venmo
100%
4 of 4 labels negative · 4 of 12 models · 1 hard negative
“**Skip P2P apps (Zelle, Venmo, Cash App) for any bill, rent, or purchase from a stranger.**” DeepSeek V4 Flash, negative prompt
Prism
67%
4 of 6 labels negative · 3 of 12 models · 3 hard negative
“several standalone consumer bill pay apps — including Prism, MyCheckFree, and SilverBills — all shut down” DeepSeek V4 Flash, comparative 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. 1034 links across 235 sites, every framing counted. Ranked by the number of answers carrying the site or page.

vendor site · BILL43 answers · 83 citations · 13 models
vendor site · Ramp38 answers · 82 citations · 13 models
vendor site · Tipalti29 answers · 51 citations · 13 models
vendor site · Rippling25 answers · 36 citations · 11 models
vendor site · HighRadius18 answers · 21 citations · 9 models
vendor site · Slash16 answers · 16 citations · 10 models
15 answers · 19 citations · 9 models
15 answers · 18 citations · 9 models
14 answers · 14 citations · 12 models
vendor site · Worldmetrics12 answers · 15 citations · 8 models
vendor site · Medius12 answers · 14 citations · 6 models
12 answers · 12 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 “best bill pay platform for businesses”, “bill pay platform for businesses”, “bill pay 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
BILL bill.com
BILL 32%, BILL AP/AR 2%, BILL Spend & Expense 2%
36%4442,740,0001,063,0011,783,039$199,2311191
Ramp ramp.com21%1042246,00049,733770,056$13,511120
Melio melio.com
Melio 13%, Melio Go 2%
15%27733,10049236,039$1,429603
AvidXchange avidxchange.com11%16827,10039851,937$788272
Tipalti tipalti.com6%51718,100381213,652$83,363120
Stampli stampli.com2%15718,1006826,332$3953
Bluevine bluevine.com2%10474,00099079,464$113120
Sage sage.com
Sage Intacct 2%
2%433246,00090,5991,737,127 company$114,67178
Veem veem.com2%15
Mercury Bill Pay2%

Google's top ten for the three searches hold 20 sites; 3 of them are among the sites the models cited here (bill.com, rippling.com, wise.com). The first result for “best bill pay platform for businesses” is efficient.app.

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 bill pay platform for businesses for a mid-market B2B company?”Paraphrase“Which vendor payments software would you recommend to a mid-sized B2B company?”Comparative“What are the top bill pay platforms and how do they differ?”Budget-constrained“What is the best bill pay platform for businesses for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a bill pay platform for businesses. What should we look at?”Negative“Which bill pay platforms should I avoid or be cautious about?”
Claude Haiku 4.5BILL
Three alternativesEBizCharge, Ramp, Versapay
against: HighRadius
BILLHeld
Three alternativesAvidXchange, Melio, Tipalti
AvidXchange, BILL, Melio
Nine alternativesDoxo, HighRadius, QuickBooks Bill Pay, Ramp, Sage Intacct, Slash, Stampli, Tipalti, Xero Bills
Melio
Two alternativesQuickBooks Bill Pay, Zoho Books
against: Ramp
no first choicenothing named
GPT-5.4 miniBILL
Six alternativesCoupa, Esker, HighRadius, Medius, Ramp, Tipalti
BILL AP/ARChanged
Two alternativesStampli, Tipalti
BILL
Four alternativesMelio, QuickBooks Bill Pay, Xero Bills, Zoho Books
BILL Spend & Expenseno first choiceagainst: Doxo
Gemini 3.5 FlashStampli
Four alternativesAirbase, AvidXchange, Ramp, Tipalti
against: BILL, Melio
TipaltiChanged
Four alternativesAvidXchange, BILL, Ramp, Stampli
BILL, Melio
Six alternativesBrex, Doxo, Papaya, Ramp, Rippling, Your Bank’s Online Bill Pay
against: Mint, Prism
Ramp
Two alternativesMelio, Wise Business
against: BILL, Quadient, Quadient AP, Tipalti
no first choice
Two alternativesStampli, Tipalti
against: BILL
against: Doxo, Juno, Plastiq, Yotta
Perplexity SonarBILL
Two alternativesAvidXchange, HighRadius
RillionChanged
Two alternativesBILL, Tipalti
BILL
Five alternativesMelio, QuickBooks Bill Pay, Ramp, Tipalti, Xero Bills
Melio, Rampagainst: BILLno first choicenothing named
Grok 4.1 FastBILL
Three alternativesRamp, Stampli, Tipalti
against: Melio
BILLHeld
Three alternativesAvidXchange, Melio, Ramp
Bank Bill Pay
Two alternativesDoxo, Papaya
against: PayPal, Prism, Quicken Simplifi, Venmo
Melio, Ramp
Two alternativesBank Bill Pay, QuickBooks Bill Pay
against: BILL
BILL, Ramp
One alternativeTipalti
against: BILL, BillGO, Dave, Doxo, Papaya
Mistral SmallBILL
Two alternativesStampli, Tipalti
VeemChanged
Two alternativesNickel, Ramp
no first choice
Six alternativesBILL, Melio, Plastiq, QuickBooks Online, Tipalti, Wise Business
Bluevine
Two alternativesWave, Xero Bills
no first choiceagainst: Doxo
DeepSeek V4 FlashTipalti
Two alternativesAvidXchange, Stampli
RampChanged
Three alternativesAvidXchange, BILL, Tipalti
BILL
Seven alternativesAirbase, AvidXchange, Coupa, Melio, Ramp, Rippling, Tipalti
against: MyCheckFree, Prism, SilverBills
Melio
Two alternativesQuickBooks Bill Pay, Ramp
against: BILL
BILL, Ramp
Three alternativesAvidXchange, Stampli, Tipalti
against: Melio, QuickBooks Bill Pay
against: Cash App, Doxo, Plastiq, Prism, Venmo, Zelle
Llama 4 MaverickBILL
Two alternativesBilltrust, Tipalti
Sage IntacctChanged
Two alternativesBILL, Coupa
no first choiceBILL
Two alternativesBluevine, Xero Bills
no first choiceagainst: Doxo
Qwen 3.7 FlashBILL, Tipalti
One alternativeRamp
AvidXchange, BILLChanged
Three alternativesCorpay Complete, Ramp, Tipalti
BILL
Three alternativesAvidXchange, Major Bank Apps, Tipalti
against: Venmo
Ramp
Two alternativesBluevine, Melio
against: BILL
no first choiceagainst: Doxo, MoneyGram, PayNearMe
Kimi K2Ramp
Three alternativesBILL, Stampli, Tipalti
AvidXchange, BILLChanged
Two alternativesRamp, Tipalti
BILL
Four alternativesMelio, Plastiq, Stripe, Tipalti
against: Mint
Melio, Ramp
Two alternativesBank Bill Pay, Wave
no first choiceagainst: Deferit, Doxo, Plastiq, SimpleBills
GLM 4.7 FlashXAvidXchange
Five alternativesBILL, HighRadius, Ramp, Stampli, Tipalti
AvidXchangeHeld
Three alternativesBILL, Tipalti, Versapay
BILL
Three alternativesAvidXchange, Doxx, Tipalti
Melio
One alternativeRamp
against: BILL
no first choiceagainst: Doxx
MiniMax M2.5BILL
Two alternativesRamp, Tipalti
RampChanged
Three alternativesBILL, Tipalti, Veem
BILL
Five alternativesDoxo, Plastiq, Quicken Bill Pay, Square for Business, U.S. Bank Bill Pay
Mercury Bill Pay
Three alternativesExpensify, Melio, Ramp
BILL
Two alternativesBrex Bill Pay, Tipalti
against: BILL, Doxo
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 10:04yes98 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:19yes37 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-10-01 09:43yes2021 s
Direct recommendationPerplexity Sonarsonar2026-10-01 10:31yes183 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:15yes259 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-10-01 08:36yes1014 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 08:00yes2343 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 07:30yes57 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 10:24yes1042 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-10-01 09:33yes2030 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 10:49yes1449 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 08:50yes522 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 09:51yes97 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:30yes26 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-10-01 10:35yes819 s
ParaphrasePerplexity Sonarsonar2026-10-01 09:28yes203 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:25yes247 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-10-01 11:14yes53 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 10:07yes2229 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 08:21yes52 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 10:09yes1034 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:36yes1022 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 09:26yes1522 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 09:55yes1121 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 09:34yes98 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 11:13yes38 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-10-01 09:11yes1425 s
ComparativePerplexity Sonarsonar2026-10-01 08:35yes185 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 07:53yes2211 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-10-01 11:22yes108 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 10:48yes2248 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 07:30yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 09:18yes521 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-10-01 08:34yes2340 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 07:47yes2530 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 08:25yes1732 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 08:31yes98 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 10:41yes24 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-01 11:09yes1826 s
Budget constrainedPerplexity Sonarsonar2026-10-01 11:04yes183 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:18yes2311 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-10-01 07:58yes53 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 10:39yes1829 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 08:55yes52 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 08:48yes1950 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-01 11:05yes1825 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 08:56yes2437 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 08:57yes814 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 09:07no06 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:40no06 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-10-01 08:25yes726 s
Scale constrainedPerplexity Sonarsonar2026-10-01 10:59yes205 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 07:47yes158 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-10-01 08:11no07 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 11:00yes1828 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 10:39yes53 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 08:18no031 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-10-01 11:09yes1433 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 10:06yes2563 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 11:01yes515 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-10-01 11:24no03 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-10-01 08:43yes55 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-10-01 11:21yes2052 s
Negative framingPerplexity Sonarsonar2026-10-01 09:22yes245 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-10-01 10:44yes1910 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-10-01 09:18yes55 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-10-01 09:52yes2445 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-10-01 11:08yes52 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-10-01 08:38yes532 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-10-01 10:16yes2333 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-10-01 08:11yes2182 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-10-01 09:36yes1725 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.com read as BILL
Bill.com read as BILL
Corpay read as Corpay Complete
Quicken read as Quicken Bill Manager
Ramp Bill Pay read as Ramp
Rippling Bill Pay read as Rippling
Xero read as Xero Bills
Unresolved, counted raw
Bharat Bill Payment System
BillGO
ClickPay
Deferit
Expensify Bill Pay
Kenna
Major Bank Apps
Mint Bills
MyCheckFree
PayLaterr
PayNearMe
PayPal Business Bill Pay
Paymentus, formerly Finovera
PocketGuard
Quicken Bill Pay
SimpleBills
Simplifi by Quicken
TrueBill (now Rocket Money)
U.S. Bank Bill Pay
Your Bank’s Online Bill Pay
Zone Co
bank's own bill pay
Discontinued, still offered
No shut-down product was recommended here.
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