Business bill pay for small business buyers
Asked as “bill pay platform for businesses”, and as “vendor payments software”, on behalf of a small B2B company. 59 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
42%
Clear leader
42Melio25BILL22Ramp10others
42% of first choices, clear leader.
Since September 2026▼−15Since September 2026: 57% → 42%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.Melio held the lead, −15 points on 57%, 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
Melio42%Clear leader▼−15Since September 2026: 57% → 42%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.This pageMid-market
BILL32%Contested▼−1Since September 2026: 35% → 34%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Enterprise
Tipalti43%Clear leader▲+4Since September 2026: 42% → 46%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →
Melio42%Clear leader▼−15Since September 2026: 57% → 42%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.This pageMid-marketBILL32%Contested▼−1Since September 2026: 35% → 34%, −1 point. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →EnterpriseTipalti43%Clear leader▲+4Since September 2026: 42% → 46%, +4 points. Inside the 10-point floor: within noise. 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
01Melio42%10%63endorsed leader▼−15Since September 2026: 57% → 42%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.57% → 42%
Melio42%10%63endorsed leader▼−15Since September 2026: 57% → 42%, −15 points. Past the 10-point floor: movement. Read over the models both editions asked.57% → 42%02BILL25%31%68criticized challenger▲+5Since September 2026: 23% → 28%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.23% → 28%
BILL25%31%68criticized challenger▲+5Since September 2026: 23% → 28%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.23% → 28%03
Ramp22%2%58accepted challenger▲+13Since September 2026: 11% → 24%, +13 points. Past the 10-point floor: movement. Read over the models both editions asked.11% → 24%
Ramp22%2%58accepted challenger▲+13Since September 2026: 11% → 24%, +13 points. Past the 10-point floor: movement. Read over the models both editions asked.11% → 24%04
QuickBooks Bill Pay3%11%19accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 2%
QuickBooks Bill Pay3%11%19accepted challenger=heldSince September 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.2% → 2%Show the one product at 0%, ordered by negative rate
05Tipalti0%29%21criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Tipalti0%29%21criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 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
Head to head
All fifteen head-to-head pages: the top six 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 →
0102030405Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative60%
Key
01Melio42%
Melio42%02BILL25%
BILL25%03Ramp22%
Ramp22%04QuickBooks Bill Pay3%
QuickBooks Bill Pay3%05Tipalti0%
Tipalti0%What they warned about
Three of fourteen 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, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, 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.
BILL31%
21 of 68 labels negative · 13 of 14 models · 12 hard negative
“These patterns are the main reason many SMB advisors now flag BILL for caution, especially around cash-flow sensitivity, account freezes and support responsiveness.” Muse Glimmer 30B, negative prompt
Melio10%
6 of 63 labels negative · 6 of 14 models · 3 hard negative
“Who should avoid it: Businesses with non-traditional addresses (like virtual offices)... anyone who cannot afford to have their operating cash frozen” Gemini 3.5 Flash, negative prompt
Tipalti29%
6 of 21 labels negative · 5 of 14 models · 1 hard negative
“Avoid BILL.com or Tipalti for now; their minimum costs ($45-$99+/month) are too high” Qwen 3.7 Flash, budget prompt
AvidXchange80%
4 of 5 labels negative · 4 of 14 models · 2 hard negative
“AvidXchange is a niche AP automation provider that lacks integrated tools for managing a company's complete financial operations.” Llama 4 Maverick, 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
77 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. 1030 links across 172 sites, every framing counted. Ranked by the number of answers carrying the site or page. 7 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 · Ramp56 answers · 129 citations · 14 models
vendor site · BILL48 answers · 110 citations · 13 models
vendor site · Rippling31 answers · 49 citations · 11 models
vendor site · Slash31 answers · 35 citations · 12 models
vendor site · Tipalti26 answers · 37 citations · 9 models
vendor site · Bluevine25 answers · 28 citations · 12 models
25 answers · 28 citations · 11 models
19 answers · 19 citations · 10 models
vendor site · Melio18 answers · 25 citations · 8 models
vendor site · Accounting Seed18 answers · 18 citations · 10 models
17 answers · 22 citations · 8 models
17 answers · 17 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.
37 answers · 11 models
30 answers · 11 models
27 answers · 11 models
25 answers · 10 models
21 answers · 11 models
20 answers · 8 models
19 answers · 10 models
18 answers · 10 models
17 answers · 9 models
12 answers · 8 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 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 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 |
|---|---|---|---|---|---|---|---|---|
| Melio melio.com Melio 42%, Melio Go 2% | 44% | 277 | 33,100 | 492 | 36,039 | $1,429 | 60 | 3 |
| BILL bill.com BILL 25%, BILL AP/AR 2% | 27% | 444 | 2,740,000 | 1,063,001 | 1,783,039 | $199,231 | 119 | 1 |
| Ramp ramp.com | 22% | 1042 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | |
| QuickBooks parent site QuickBooks Bill Pay 3%, QuickBooks Payments 0% | 3% | 59 | 1,000,000 | 54,681 | ||||
| QuickBooks quickbooks.ninja QuickBooks Online 2% | 2% | 621 | 1,000,000 | 54,681 | 253 company | |||
| Stripe stripe.com | 2% | 361 | 823,000 | 102,741 | 3,226,782 | $3,621 | 102 | 6 |
| Slash slash.com | 0% | 17 | 135,000 | 27,532 | 202,266 | 8 | ||
| Tipalti tipalti.com | 0% | 517 | 18,100 | 381 | 213,652 | $83,363 | 120 | |
| Xero xero.com Xero Bills 0% | 0% | 12 | 90,500 | 4,610 | 1,200,289 company | $500 | 119 | |
| Veem veem.com | 0% | 15 |
Google's top ten for the three searches hold 20 sites; 6 of them are among the sites the models cited here (accountingseed.com, bill.com, founderscpa.com, melio.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.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 bill pay platform for businesses for a small B2B company?”Paraphrase“Which vendor payments software would you recommend to a small business that sells to other businesses?”Comparative“What are the top bill pay platforms for a small team and how do they differ?”Budget-constrained“What is the best bill pay platform for businesses for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a bill pay platform for businesses. What should we look at?”Negative“Which bill pay platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5no first choiceBILLChangedMelio, Rampagainst: TipaltiMeliono first choiceagainst: BILL, Melio
Two alternatives
Melio, StampliTwo alternatives
BILL, Xero BillsThree alternatives
Forwardly, QuickBooks Bill Pay, RampGPT-5.4 miniBILLBILL, MelioChangedMelioRampno first choicenothing named
Two alternatives
Melio, TipaltiOne alternative
RampThree alternatives
Airbase, BILL, RampOne alternative
BILLGemini 3.5 FlashMelioMelioHeldagainst: PayPal, SquareMelioMelioagainst: BILLMelio, Rampagainst: AvidXchange, BILL, QuickBooks Bill Pay, Tipaltiagainst: BILL, formerly Bill.com, Bank of America, Chase, Melio, Plooto, QuickBooks Bill Pay, Wells Fargo
Four alternatives
BILL, QuickBooks Bill Pay, Ramp, TipaltiFive alternatives
BILL, GoCardless, Ramp, Resolve Pay, StripeFour alternatives
BILL, MakersHub, Plooto, RampTwo alternatives
Ramp, RhoOne alternative
AirwallexPerplexity SonarBILLBILL, MelioChangedMelioMelio, Rampagainst: BILLno first choiceagainst: AvidXchange, BILL, Brex, Generic bank bill pay, Melio, Tipalti
Three alternatives
Melio, Ramp, TipaltiOne alternative
PlootoThree alternatives
BILL, Ramp, TipaltiGrok 4.1 FastMelioBILLChangedBILLagainst: TipaltiRampagainst: BILLBILL, Melio, Rampagainst: BILL, Intuit QuickBooks Bill Pay, Plastiq, Tipalti
Two alternatives
BILL, RampTwo alternatives
Melio, VeemThree alternatives
Melio, Ramp, SlashTwo alternatives
Melio, QuickBooks Bill PayMistral SmallBILLStripeChangedagainst: PayPalBILLMeliono first choiceagainst: AvidXchange, BILL, Brex
Two alternatives
Melio, RampTwo alternatives
BILL, VeemThree alternatives
Ramp, Slash, TipaltiOne alternative
RampDeepSeek V4 FlashRampMelioChangedBILLRampBILLagainst: BILL, Gusto Bill Pay, Melio, Stripe Billing
Three alternatives
BILL, Melio, Rippling SpendTwo alternatives
BILL, RampFour alternatives
Melio, Ramp, Slash, Xero BillsTwo alternatives
Melio, QuickBooks Bill PayFour alternatives
Melio, Mercury, QuickBooks Bill Pay, RampLlama 4 MaverickBILLBILLHeldno first choiceRampno first choiceagainst: Corcentricagainst: AvidXchange, BILL, Brex
Two alternatives
Billtrust, TipaltiTwo alternatives
Fueler, VeemThree alternatives
BILL, Brex, SlashThree alternatives
Finexio, QuickBooks Bill Pay, Xero BillsQwen 3.7 FlashMelioQuickBooks OnlineChangedRampRampagainst: BILL, Tipaltino first choiceagainst: BILL
Three alternatives
BILL, QuickBooks Payments, RampThree alternatives
BILL, Square Invoices, Stripe ConnectTwo alternatives
BILL, MelioTwo alternatives
Melio, Mercury Bill PayKimi K2RampMelioChangedagainst: BILLMelio, Rampagainst: BILLMelio, Rampagainst: BILLMelio, Rampagainst: BILL, Melio, Plastiq
Two alternatives
BILL, MelioOne alternative
RampOne alternative
PlootoOne alternative
Wise BusinessTwo alternatives
BILL, QuickBooks Bill PayGLM 4.7 FlashXBILLMelio, QuickBooks Bill PayChangedMelio, RampMeliono first choiceagainst: BILL, Bluevine
Two alternatives
Melio, RampTwo alternatives
BILL AP/AR, Zoho BooksFive alternatives
BILL, Plooto, QuickBooks Bill Pay, Tipalti, YoozThree alternatives
Bank Bill Pay, Expensify, RampMiniMax M2.5BILL, MelioBILL, MelioHeldMelioMeliono first choiceagainst: BILL, Doxo, Ramp
Three alternatives
QuickBooks Payments, Ramp, TipaltiThree alternatives
Ramp, Tipalti, VeemThree alternatives
BILL, Ramp, TipaltiThree alternatives
Bank Bill Pay, QuickBooks Bill Pay, Xero BillsGPT-6 LunaMelio, QuickBooks Bill PayMelioChangedQuickBooks Bill PayMelio Gono first choiceagainst: BILL, Doxo, Melio
One alternative
RampThree alternatives
BILL, QuickBooks Bill Pay, RampThree alternatives
BILL, Melio, RampTwo alternatives
QuickBooks Online, RampMuse Glimmer 30BBILL, MelioBILL AP/ARChangedBILLMelio, Rampagainst: BILLno first choiceagainst: BILL, BillGO, Inc.
One alternative
RampOne alternative
MelioFour alternatives
Melio, QuickBooks Bill Pay, Ramp, Xero BillsOne alternative
Zoho BillPayBold 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 09:07 | no | 0 | 4 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:58 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:39 | yes | 23 | 25 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 08:42 | yes | 20 | 4 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:38 | yes | 22 | 9 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:50 | yes | 5 | 4 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:50 | yes | 21 | 37 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:57 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:25 | yes | 5 | 30 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:15 | yes | 16 | 19 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:36 | yes | 24 | 121 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:01 | yes | 12 | 17 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:52 | yes | 3 | 12 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:46 | yes | 11 | 25 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:57 | yes | 9 | 9 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:17 | yes | 4 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:04 | yes | 15 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 10:00 | yes | 19 | 4 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:12 | yes | 24 | 8 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:13 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:23 | yes | 22 | 34 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:04 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:54 | no | 0 | 36 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:01 | yes | 20 | 23 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:30 | yes | 19 | 115 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:29 | yes | 5 | 43 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:31 | yes | 4 | 17 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:07 | yes | 15 | 20 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:11 | yes | 9 | 9 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:58 | yes | 5 | 6 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:13 | yes | 20 | 27 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 10:09 | yes | 18 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:15 | yes | 20 | 10 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:39 | yes | 8 | 8 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:21 | yes | 19 | 40 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:59 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:33 | yes | 9 | 33 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:31 | yes | 15 | 29 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:19 | yes | 22 | 92 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:38 | yes | 12 | 22 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:07 | yes | 4 | 29 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:39 | yes | 14 | 37 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:51 | yes | 9 | 9 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:21 | yes | 2 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:56 | yes | 24 | 26 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 10:48 | yes | 18 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:15 | yes | 23 | 9 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:54 | yes | 9 | 6 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:45 | yes | 23 | 31 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:42 | yes | 5 | 1 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:08 | yes | 5 | 27 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:07 | yes | 15 | 19 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:16 | yes | 23 | 31 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:47 | yes | 10 | 20 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:33 | yes | 3 | 14 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:01 | yes | 12 | 35 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:09 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:40 | no | 0 | 5 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:36 | yes | 22 | 36 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 08:14 | yes | 18 | 5 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:08 | yes | 14 | 6 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:26 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:58 | yes | 22 | 33 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:04 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:29 | no | 0 | 29 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:29 | yes | 13 | 22 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:08 | yes | 13 | 88 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 07:32 | yes | 5 | 16 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:36 | yes | 2 | 17 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:18 | no | 0 | 3 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 07:32 | yes | 18 | 13 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:58 | yes | 5 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:04 | yes | 22 | 27 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 09:50 | yes | 19 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:36 | yes | 21 | 12 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:01 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:44 | yes | 22 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:53 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:20 | yes | 9 | 25 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:46 | yes | 25 | 29 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:54 | yes | 23 | 96 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:09 | yes | 19 | 24 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:15 | yes | 3 | 26 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:37 | yes | 22 | 37 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 (now BILL) read as BILL
Bill.com read as BILL
Bill.com (BILL) read as BILL
Bill.com (now BILL) read as BILL
Bill.com (now called BILL) read as BILL
Divvy read as BILL Spend & Expense
Ramp Bill Pay read as Ramp
Xero read as Xero Bills
Unresolved, counted raw
BillGO, Inc.
BillPay
Divpay
Finexio
Generic bank bill pay
Gusto Bill Pay (powered by Melio)
Intuit QuickBooks Bill Pay
Melio's free tier
R211
Stripe-based bill pay tools
U.S. Bank Bill Pay for Business
Xero Money / Payment Requests
Zoho BillPay
Discontinued, still offered
No shut-down product was recommended here.