Cross-border payments and FX · October 2026 Edition
Wise Business vs Corpay Cross-Border Payments
Three of fourteen models named Wise Business first on the direct prompt; zero named Corpay Cross-Border Payments. Wise Business was named by fourteen of the fourteen models and Corpay Cross-Border Payments by nine and Wise Business carries 69 labels and Corpay Cross-Border Payments 15, so the shares are not directly comparable.
Named in six categories this edition.
Named in one category this edition.
First-choice share39%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate12%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#4A position in a field of 13; printed, not drawn.
Labels6915A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Wise Business reading right to left. Rank and label count are printed, not drawn.Airwallex was named alongside these two in twelve of the fourteen direct answers. Wise Business vs Airwallex · Wise Business vs Tipalti · Wise Business vs OFX
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 Cross-border payments and FX page.
By framing
How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
Wise BusinessFirst choices, of fourteen modelsCorpay Cross-Border Payments
Direct302 against Wise Business
Paraphrase224 against Wise Business
Comparative90
Budget-constrained140
Scale-constrained10
Negative501 against Wise Business
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Wise Business and Corpay Cross-Border Payments stood in it.
| 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 | | | | | |
Wise Business Corpay Cross-Border Payments first choice named as an alternative argued againstblank: not namedEach cell is one answer, Wise Business on the left and Corpay Cross-Border Payments on the right.The direct prompt
The plain question, one answer per model, grouped by where Wise Business and Corpay Cross-Border Payments stood in it.
Wise Business first, Corpay Cross-Border Payments not the choice
3 of 14 modelsCorpay Cross-Border Payments was named in the answer but not as the choice, or not at all.GPT-5.4 miniWise Business alternatives: Payoneer, Stripe
Llama 4 MaverickWise Business alternatives: XTransfer
Muse Glimmer 30BAirwallex, Wise Business alternatives: Ebury, Thunes, Tipalti
Neither was the first choice, one was named
9 of 14 modelsThe answer put something else first and named one of the two as an alternative.Claude Haiku 4.5no first choice alternatives: Airwallex, Thunes, Tipalti, Wise Business
Gemini 3.5 FlashAirwallex, Tipalti alternatives: Corpay Cross-Border Payments, Ebury, Wise Business
Grok 4.1 FastAirwallex alternatives: Tipalti, Wise Business
DeepSeek V4 FlashAirwallex alternatives: Corpay Cross-Border Payments, Thunes, Tipalti
Qwen 3.7 FlashAirwallex alternatives: Tipalti, Wise Business
Kimi K2Airwallex, Tipalti alternatives: Wise Business
GLM 4.7 FlashXTipalti alternatives: Airwallex, OFX, Wise Business
MiniMax M2.5Airwallex, Tipalti alternatives: Wise Business
GPT-6 LunaAirwallex alternatives: Corpay Cross-Border Payments, Wise Business
Neither was named
2 of 14 modelsThe answer made no first choice from these two in this category.Perplexity SonarTipalti alternatives: Airwallex
Mistral SmallTipalti alternatives: Airwallex, Nium
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
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Wise Business leads by sixty-eight points.
Wise Business68%#1 of 7Corpay Cross-Border Payments0%#– of 7Mid-marketThe figures above
Wise Business leads by thirty-five points.
Wise Business39%#1 of 13Corpay Cross-Border Payments4%#4 of 13Enterprise
Wise Business leads by nine points.
Wise Business11%#3 of 11Corpay Cross-Border Payments2%#9 of 11What the models said about Wise Business
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“What to Avoid for Hedging Needs: Wise Business ... it offers no FX hedging tools” DeepSeek V4 Flash · paraphrase prompt · hard negative
“Wise Business is the low-cost cross-border payments account for small to mid-sized businesses that want the mid-market FX rate and predictable transfer fees.” Muse Glimmer 30B · direct prompt · first choice
“making it one of the cheapest and most transparent options available... Cost and transparency first: Wise for mid-market rates and upfront percentage fees.” Muse Glimmer 30B · comparative prompt · first choice
“Wise Business is the strongest default choice for most businesses because it uses the real mid-market exchange rate and low, transparent fees” Perplexity Sonar · budget prompt · first choice
What the models said about Corpay Cross-Border Payments
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.
“I'd generally recommend Corpay if your top priority is a serious FX hedging and international payments platform” GPT-5.4 mini · paraphrase prompt · first choice
“Best Overall for Traditional Mid-Sized Corporates” Gemini 3.5 Flash · paraphrase prompt · first choice
“a platform that enables businesses to make international payments, manage currency risk, and move money globally in over 140 currencies” Llama 4 Maverick · paraphrase prompt · alternative
Also compared
Wise Business vs AirwallexWise Business vs TipaltiWise Business vs OFXWise Business vs PayoneerAirwallex vs Corpay Cross-Border PaymentsTipalti vs Corpay Cross-Border PaymentsCorpay Cross-Border Payments vs OFXCorpay Cross-Border Payments vs PayoneerAll fifteen head-to-head pages and the full cross-border payments standing
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.