Every category where a model named Zelle for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant	Since September 2026
Contractor payments	Spend and procurement	0%	96 of 98	86%	7	under 10 labels · led by Tipalti at 22%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Business bill pay	Treasury and cash	0%	95 of 98	75%	4	under 10 labels · led by BILL at 32%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Cross-border payments and FX	Treasury and cash	0%	85 of 87	75%	4	under 10 labels · led by Wise Business at 39%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Cash application	Receivables and billing	0%	76 of 83	100%	1	under 10 labels · led by Versapay at 9%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.

Movement

Since September 2026, Zelle held within the floor in all four categories: no change cleared 10 points.

Best category · Contractor payments · by segment

Small business=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.

0%from 0% in September 2026

Inside the floor by 10 pointsRank 65 → 76 of 78

Mid-market=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.

0%from 0% in September 2026

Inside the floor by 10 pointsRank 76 → 83 of 85

Enterprise=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.

0%from 0% in September 2026

Inside the floor by 10 pointsRank 70 → 66 of 70

All categories · Mid-market

Category	September 2026	Now	Change	Reading	Rank
Contractor payments	0%	0%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.	Within noise	Rank 76 → 96 of 98
Business bill pay	0%	0%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.	Within noise	Rank 65 → 95 of 98
Cross-border payments	0%	0%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.	Within noise	Rank 79 → 85 of 87
Cash application	0%	0%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.	Within noise	Rank 80 → 76 of 83

Shares here are read over the models both editions asked, so they can differ by a point or two from the standing above, which counts every model in this edition.

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 · The editions

By model

How each model treated Zelle across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.

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Model	Mention	Negative	Labels
Claude Haiku 4.5	0	0	0
GPT-5.4 mini	0	0	0
Gemini 3.5 Flash	0	3	3
Perplexity Sonar	1	1	2
Grok 4.1 Fast	0	0	0
Mistral Small	0	1	1
DeepSeek V4 Flash	0	2	2
Llama 4 Maverick	0	0	0
Qwen 3.7 Flash	1	0	1
Kimi K2	0	2	2
GLM 4.7 FlashX	0	1	1
MiniMax M2.5	0	0	0
GPT-6 Luna	0	2	2
Muse Glimmer 30B	1	1	2

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct0 labelsNone

Paraphrase0 labelsNone

Comparative4 labelsNone

Budget-constrained0 labelsNone

Scale-constrained0 labelsNone

Negative29 labelsNone

First choiceAlternativeMentionNegative33 labels in all, every segment counted; 0 of the 0 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

No positive label carried a quote.

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Domestic Peer-to-Peer (P2P) Apps (Avoid for Non-Trusted Parties) Apps like Zelle, Venmo, and Cash App are designed exclusively for fast, domestic transfers” Gemini 3.5 Flash · Cross-border payments · negative prompt · hard negative

“Skip P2P apps (Zelle, Venmo, Cash App) for any bill, rent, or purchase from a stranger.” DeepSeek V4 Flash · Business bill pay · negative prompt · hard negative

“Platforms to avoid/use with caution: Venmo, Cash App, Zelle, and personal PayPal accounts.” Gemini 3.5 Flash · Contractor payments · negative prompt · hard negative

“Zelle specifically: No fraud protection on authorized payments (even if you were scammed)” Kimi K2 · Cross-border payments · negative prompt · hard negative

Named alongside

The products named in the same answers as Zelle, over the 33 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Zelle was named but was not.

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ProductSame answerTook the first choice insteadHead to head

Venmo26 of 330Not among the top eight

Cash App20 of 330Not among the top eight

Wise Business13 of 333Not among the top eight

PayPal MassPay11 of 330Not among the top eight

Stripe8 of 331Not among the top eight

PayPal7 of 330Not among the top eight

Payoneer Workforce Management7 of 330Not among the top eight

Deel6 of 331Not among the top eight

Gusto5 of 332Not among the top eight

BlackLine Cash Application5 of 330Not among the top eight

A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Zelle. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 33 of the 33 answers that named Zelle and are not a share of its labels.

Domains cited

g2.com9

paypal.com9

trustpilot.com9

remote.com8

bbb.org7

deel.com7

guideflow.com7

highradius.com7

learn.g2.com7

reddit.com7

Seventy-seven of the seventy-seven domain citations in answers naming Zelle came from somebody else's page.

Pages cited

remote.com/blog/payroll/best-contractor-payment-tools8

guideflow.com/blog/contractor-payment-software7

learn.g2.com/best-contractor-payment-software6

4dev.com/blog/best-contractor-payment-software5

analyticsinsight.net/business/best-contractor-payment-service-providers-in-20265

deel.com/blog/best-global-payment-tools-for-contractors5

g2.com/categories/contractor-payments5

getontop.com/blog/contractor-payment-services5

Pages are listed as the models cited them.

Search and answers

zelle.com is not in Google's top ten for any of the category's searches. In the answers, Zelle takes 0% of first choices and Tipalti takes 22%.

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In search

Google, US estimates

Position for “contractor payment platforms”

–

not in the top ten

Position for “contractor payments and 1099 platform”

–

not in the top ten

Searches for its name, Google: 823,000 a month (“zelle”)
AI search demand for its name, est.: 90,509 a month

In answers

This edition

Share of first choices

rank 96 of 98 in contractor payments

Segment leader

22%

Tipalti

First choices: 0 across its categories
Named in: 33 answers
Its own site cited: in 33 of the answers that named it

Search figures are US estimates from DataForSEO, read September 28, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.

What it publishes

ShowHide

Addresses on zelle.com

212

subdomains included

Content

133

counted in the table below

Documentation

Product · Integration

0 · 9

Kind	Pages	Last 90 days	Latest
News or press	100	5	2026-09-29
Blog	20	4	2026-09-28
Podcast or video	12	undated
Glossary or explainer	1	1	2026-08-17

Most recent

2026-09-29Newsroom news or press
2026-09-28Community development investors and zelle launch inaugural community based news or press
2026-09-28How enroll zelle blog
2026-09-22New zelle research gen zs latest ick price dating news or press
2026-09-1611769 miles fight against scams news or press
2026-08-31How use zelle simple guide getting started blog

How it is countedHide how it is counted

Every page zelle.com exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. Read September 29, 2026.

Names read as Zelle

What the judge wrote, as written, with how often. The vendor table decides that these count as Zelle; a claim can dispute any of them.

PayPal / Venmo / Stripe / Zelle 1Zelle/Venmo 1

Follow Zelle

An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.

Already following? Everything you follow, with a stop for each.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Zelle's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Zelle, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

What a new claim receivesHide what a new claim receives

A new claim receives the current edition's vendor brief for Zelle by email, built from the raw record of the edition. It shows:

where Zelle is named, by buyer and by framing, and which cells hold its first choices;
the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
its vocabulary against the segment leader's, and the pages the models cited;
who was chosen in the answers that did not name Zelle, and every reason the record gives;
a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
one page of published figures cleared to show a buyer.