BILL vs Melio
Eight of fourteen models named BILL first on the direct prompt; zero named Melio. Both were named by all fourteen models and BILL carries 57 labels and Melio 29, so the shares are not directly comparable.
Named in fifteen categories this edition.
Named in eight categories this edition.
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 business bill pay page.
By framing
BILLFirst choices, of fourteen modelsMelio
Across every category in the October 2026 Edition, BILL and Melio were named in the same answer 111 times, of the 477 answers naming BILL and the 292 naming Melio. In those answers Melio took the first choice twenty-eight times and BILL twenty-two.
Every model, every framing
| 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 | | | | | |
BILL Melio first choice named as an alternative argued againstblank: not namedEach cell is one answer, BILL on the left and Melio on the right.The direct prompt
BILL first, Melio not the choice
8 of 14 modelsMelio was named in the answer but not as the choice, or not at all.Neither was the first choice, one was named
4 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
2 of 14 modelsThe answer made no first choice from these two in this category.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
BILL32%#1 of 8Melio13%#3 of 8What the models said about BILL
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of three in this category shown.
“What to Avoid on a Limited Budget... it starts at $29 to $79+ per user, per month” Gemini 3.5 Flash · budget prompt · hard negative
“BILL - Offers automated invoice capture and coding, configurable approvals, roles, and audit trails... Pricing starts at $45/user/month.” Llama 4 Maverick · budget prompt · first choice
“For a typical mid-market B2B company, BILL offers the best balance of features, vendor network, and automation capabilities.” MiniMax M2.5 · direct prompt · first choice
What the models said about Melio
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of four in this category shown.
“you've outgrown small-business tools like Melio or basic QuickBooks Bill Pay” DeepSeek V4 Flash · scale prompt · hard negative
“While small-business tools like Melio or basic setups of BILL (formerly Bill.com) are popular, mid-market companies ... quickly outgrow them” Gemini 3.5 Flash · direct prompt · soft negative
“🏆 Top Pick: Melio ... Melio is widely regarded as the best free starting point for budget-conscious small businesses” DeepSeek V4 Flash · budget prompt · first choice
“Choose Melio if you primarily need simple bill pay with some free ACH transfers and want to pay by credit card” Kimi K2 · budget prompt · first choice
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.