# Plastiq: how AI models rank it, October 2026

Finance AI Recommendation Index, October 2026 Edition. Named in 10 judge labels across 2 categories by 8 of 14 models. Page: https://finance-ai-index.com/vendors/plastiq/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Business bill pay | 0% | 47 | 33% | 9 |
| B2B payment acceptance | 0% | 88 | 100% | 1 |

## What the models said for it

- "Allows you to pay almost any bill with a credit card... but Plastiq charges a fee (typically around 2.85%)" (Mistral Small, Business bill pay)
- "Best for: Businesses needing to pay bills via credit/debit cards" (MiniMax M2.5, Business bill pay)
- "Need to pay with credit cards → Plastiq" (Kimi K2, Business bill pay)

## And against it

- "Filed for Chapter 11 bankruptcy in May 2023 ... Failed after Silicon Valley Bank collapse disrupted their banking partner arrangements" (MiniMax M2.5, B2B payment acceptance)
- "Credit-Card-to-Check Services (e.g., Plastiq) The Risk: High transaction fees, late/lost payments, and poor customer service." (Gemini 3.5 Flash, Business bill pay)
- "Fees increased from 2.5% to 2.85% (and now 2.9%)... Poor customer service reviews" (Kimi K2, Business bill pay)
- "Plastiq — Caution (Fees & Customer Service)" (DeepSeek V4 Flash, Business bill pay)

## Movement since September 2026

Floor: 10 points of share, measured on the calibration repeat. A larger change is movement; a smaller one is noise.

- Business bill pay: 0% to 0%, ±0. Inside the floor by 10 points · rank 53 → 47 of 98.
- B2B payment acceptance: 0% to 0%, ±0. Inside the floor by 10 points · rank 84 → 88 of 94.

## In its own words

What Plastiq's own pages state, read 2026-10-05. Stated by the vendor, not checked by the index.

- Positioning: Business Payment Platform | Make & Accept Payments (https://plastiq.com/)
- For: businesses (https://plastiq.com/)
- Price stated: No subscription fees (https://plastiq.com/)
- Free plan or trial: Plastiq accounts and access to all of the amazing features is completely free. (https://plastiq.com/)
- Certifications: PCI & DSS Level 1 certified since 2015, SOC 2 Type II Compliant & Certified, PCI DSS Level 1 - Shared Services Provider, NIST Cyber Security Framework, NIST 800-30, NIST 800-115, Third party audits, Building security in maturity model
- Customers named: Universal Standard, Obvi, Sunbasket

## What it publishes

Every page plastiq.com exposes, read 2026-09-29: 341 addresses. By kind, pages and the last 90 days:

- blog: 174 pages, 0 in the last 90 days, latest 2026-03-04
- case study: 9 pages, 0 in the last 90 days, latest 2023-02-09
- conference or event: 4 pages, 0 in the last 90 days, latest 2019-02-08
- report or ebook: 1 pages, 0 in the last 90 days, latest undated
- comparison: 1 pages, 0 in the last 90 days, latest undated
- template or tool: 1 pages, 0 in the last 90 days, latest 2026-01-28
- glossary or explainer: 2 pages, 0 in the last 90 days, latest 2018-05-03
- news or press: 17 pages, 0 in the last 90 days, latest undated
- Recent: 2026-03-04 blog: How to continue paying meta ads with your credit card https://www.plastiq.com/how-to-continue-paying-meta-ads-with-your-credit-card
- Recent: 2026-01-28 blog: Plastiq pay quick start guide make your first payment on plastiq https://www.plastiq.com/plastiq-pay-quick-start-guide-make-your-first-payment-on-plastiq
- Recent: 2026-01-28 template or tool: The plastiq calculator compare card fees to the cost of a loan see how you save with plastiq https://www.plastiq.com/the-plastiq-calculator-compare-card-fees-to-the-cost-of-a-loan-see-how-you-save-with-plastiq
- Recent: 2026-01-28 blog: Welcome to plastiq https://plastiq.com/blog/welcome-to-plastiq
- Recent: 2025-09-11 blog: Stop letting cash flow delays slow your growth https://www.plastiq.com/stop-letting-cash-flow-delays-slow-your-growth
- Recent: 2023-03-13 blog: Ceo message on svb closure https://www.plastiq.com/ceo-message-on-svb-closure

## Record

- Method: https://finance-ai-index.com/methodology/
- Raw judge labels and full responses: https://finance-ai-index.com/data/
- License: CC BY 4.0. Cite as Finance AI Recommendation Index, October 2026 Edition, finance-ai-index.com.