Earned wage access
Asked as “earned wage access provider”, and as “on-demand pay benefit”, on behalf of a mid-market B2B company. 45 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
38%
Contested · ZayZoon 24%
38Tapcheck24ZayZoon09DailyPay29others
38% of first choices, contested.
Since September 2026▲+5Since September 2026: 29% → 33%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Tapcheck held the lead, +5 points on 29%, inside the 13-point 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
ZayZoon50%Clear leader▼−5Since September 2026: 55% → 50%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Standing →Mid-market
Tapcheck38%Contested▲+5Since September 2026: 29% → 33%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.This pageEnterprise
DailyPay67%Clear leader=heldSince September 2026: 61% → 61%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Standing →
ZayZoon50%Clear leader▼−5Since September 2026: 55% → 50%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketTapcheck38%Contested▲+5Since September 2026: 29% → 33%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.This pageEnterpriseDailyPay67%Clear leader=heldSince September 2026: 61% → 61%, ±0 points. Inside the 13-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 mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01Tapcheck38%0%41endorsed leader▲+5Since September 2026: 29% → 33%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.29% → 33%
Tapcheck38%0%41endorsed leader▲+5Since September 2026: 29% → 33%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.29% → 33%02ZayZoon24%5%39accepted challenger▲+2Since September 2026: 26% → 28%, +2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.26% → 28%
ZayZoon24%5%39accepted challenger▲+2Since September 2026: 26% → 28%, +2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.26% → 28%03DailyPay9%21%58accepted challenger▲+3Since September 2026: 7% → 10%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.7% → 10%
DailyPay9%21%58accepted challenger▲+3Since September 2026: 7% → 10%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.7% → 10%04
Payactiv4%12%51accepted challenger▼−5Since September 2026: 7% → 3%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.7% → 3%
Payactiv4%12%51accepted challenger▼−5Since September 2026: 7% → 3%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.7% → 3%05
Rain4%0%27accepted challenger▼−7Since September 2026: 12% → 5%, −7 points. Inside the 13-point floor: within noise. Read over the models both editions asked.12% → 5%
Rain4%0%27accepted challenger▼−7Since September 2026: 12% → 5%, −7 points. Inside the 13-point floor: within noise. Read over the models both editions asked.12% → 5%06
Branch4%9%22accepted challenger▲+3Since September 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 3%
Branch4%9%22accepted challenger▲+3Since September 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 3%07
EarnIn4%35%31criticized challenger▲+5Since September 2026: 0% → 5%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 5%
EarnIn4%35%31criticized challenger▲+5Since September 2026: 0% → 5%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 5%08
Chime Workplace2%8%12accepted challenger▲+3Since September 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 3%
Chime Workplace2%8%12accepted challenger▲+3Since September 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 3%09
Clair2%9%11accepted challenger▼−5Since September 2026: 7% → 3%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.7% → 3%
Clair2%9%11accepted challenger▼−5Since September 2026: 7% → 3%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.7% → 3%Show the one product at 0%, ordered by negative rate
10
Dave0%82%11criticized challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 0%
Dave0%82%11criticized challenger▼−2Since September 2026: 2% → 0%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 0%The floor is 13 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.
All twenty-eight head-to-head pages: the top eight products, each against each
Tapcheck vs RainTapcheck vs BranchTapcheck vs EarnInTapcheck vs Chime WorkplaceZayZoon vs DailyPayZayZoon vs PayactivZayZoon vs RainZayZoon vs BranchZayZoon vs EarnInZayZoon vs Chime WorkplaceDailyPay vs PayactivDailyPay vs RainDailyPay vs BranchDailyPay vs EarnInDailyPay vs Chime WorkplacePayactiv vs RainPayactiv vs BranchPayactiv vs EarnInPayactiv vs Chime WorkplaceRain vs BranchRain vs EarnInRain vs Chime WorkplaceBranch vs EarnInBranch vs Chime WorkplaceEarnIn vs Chime Workplace
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 →
01020304050607080910Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Tapcheck38%
Tapcheck38%02ZayZoon24%
ZayZoon24%03DailyPay9%
DailyPay9%04Payactiv4%
Payactiv4%05Rain4%
Rain4%06Branch4%
Branch4%07EarnIn4%
EarnIn4%08Chime Workplace2%
Chime Workplace2%09Clair2%
Clair2%10Dave0%
Dave0%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, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, MiniMax M2.5 and GPT-6 Luna 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.
EarnIn35%
11 of 31 labels negative · 10 of 14 models · 8 hard negative
“Weiser v. Activehours, Inc. d/b/a EarnIn is a Colorado state enforcement action alleging that EarnIn's "Cash Out" product is an unlawful, app-based payday loan” Muse Glimmer 30B, negative prompt
Dave82%
9 of 11 labels negative · 8 of 14 models · 6 hard negative
“report lists Dave as one of the bigger direct-to-borrower companies, with no direct connection to the employer or wage records” Muse Glimmer 30B, negative prompt
DailyPay21%
12 of 58 labels negative · 8 of 14 models · 4 hard negative
“The New York Attorney General has sued DailyPay, alleging the "on-demand pay" product functions as an illegal loan with high fees.” DeepSeek V4 Flash, negative prompt
MoneyLion – Instacash88%
7 of 8 labels negative · 7 of 14 models · 6 hard negative
“Litigation alleges MoneyLion charges Turbo Fees and tips that function as interest and can produce annualized rates hundreds of times higher” Muse Glimmer 30B, 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. 1076 links across 241 sites, every framing counted. Ranked by the number of answers carrying the site or page. 32 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 · Guideflow42 answers · 45 citations · 12 models
vendor site · G237 answers · 77 citations · 12 models
vendor site · DailyPay37 answers · 52 citations · 12 models
35 answers · 40 citations · 12 models
28 answers · 30 citations · 11 models
vendor site · Tapcheck27 answers · 48 citations · 12 models
25 answers · 32 citations · 11 models
22 answers · 22 citations · 11 models
20 answers · 20 citations · 8 models
17 answers · 23 citations · 9 models
15 answers · 16 citations · 10 models
15 answers · 15 citations · 10 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.
42 answers · 12 models
31 answers · 12 models
28 answers · 11 models
22 answers · 11 models
20 answers · 8 models
16 answers · 9 models
15 answers · 11 models
15 answers · 8 models
14 answers · 10 models
13 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 earned wage access provider”, “earned wage access provider”, “earned wage access providers”. 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 |
|---|---|---|---|---|---|---|---|---|
| Tapcheck tapcheck.com | 38% | 126 | 22,200 | 420 | 45,032 | 16 | 7 | |
| ZayZoon zayzoon.com | 24% | 133 | 90,500 | 304 | 39,895 | 1 | ||
| DailyPay dailypay.com DailyPay 9%, DailyPay for Small Business 2% | 11% | 205 | 165,000 | 3,329 | 213,488 | $2,108 | 56 | 2 |
| Payactiv payactiv.com | 4% | 190 | 110,000 | 700 | 92,054 | $231 | 13 | 3 |
| Rain rainapp.com | 4% | 85 | 246,000 | 376,115 | 6,438 | 17 | ||
| Branch branchapp.com | 4% | 68 | 60,500 | 203,933 | 45,620 | 8 | 8 | |
| EarnIn earnin.com | 4% | 88 | 90,500 | 1,682 | 181,128 | 83 | ||
| Chime Workplace chime.com | 2% | 64 | 320 | 1 | 1,490,450 | $409,615 | 120 | 1 |
| Clair getclair.com | 2% | 38 | 12,100 | 91,260 | 6,711 | |||
| Homebase joinhomebase.com | 2% | 404 | 201,000 | 3,839 | 472,253 | $793 | 120 |
Google's top ten for the three searches hold 12 sites; 3 of them are among the sites the models cited here (dailypay.com, enterprise.chime.com, tapcheck.com). The first result for “best earned wage access provider” is enterprise.chime.com.
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 earned wage access provider for a mid-market B2B company?”Paraphrase“Which on-demand pay benefit would you recommend to a mid-sized B2B company?”Comparative“What are the top earned wage access providers and how do they differ?”Budget-constrained“What is the best earned wage access provider for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating an earned wage access provider. What should we look at?”Negative“Which earned wage access providers should I avoid or be cautious about?”
Claude Haiku 4.5Tapcheckno first choiceChangedno first choiceChime Workplace, Tapcheckno first choiceagainst: DailyPay, EarnIn, Payactiv
Three alternatives
Immediate, Payactiv, RainFour alternatives
DailyPay, Payactiv, Rain, TapcheckOne alternative
PayactivGPT-5.4 miniDailyPayTapcheckChangedDailyPayEarnInno first choicenothing named
Four alternatives
Payactiv, Rain, Wisely, ZayZoonTwo alternatives
DailyPay, PayactivTwo alternatives
EarnIn, PayactivOne alternative
DailyPayGemini 3.5 FlashZayZoonZayZoonHeldDailyPayClairno first choiceagainst: Albert, Brigit, Cleo, Dave, EarnIn, FloatMe, Klover, MoneyLion – Instacash
Three alternatives
DailyPay, Payactiv, TapcheckFive alternatives
Chime Workplace, Gusto Wallet, Paycom, Paylocity, TapcheckFive alternatives
Branch, EarnIn, Payactiv, Tapcheck, ZayZoonThree alternatives
Chime Workplace, Payactiv, TapcheckPerplexity SonarZayZoonDailyPayChangedno first choiceEarnInno first choicenothing named
One alternative
RainFour alternatives
BambooHR, Clair, Paylocity On Demand Payment, RainThree alternatives
Homebase Cash Out, Payactiv, ZayZoonGrok 4.1 FastPayactiv, Tapcheckagainst: DailyPayTapcheckChangedDailyPayHomebaseagainst: DailyPay, Payactivno first choiceagainst: Brigit, DailyPay, Dave, EarnIn, MoneyLion – Instacash, Payactiv
One alternative
ZayZoonThree alternatives
DailyPay, Payactiv, ZayZoonFour alternatives
EarnIn, Payactiv, Tapcheck, ZayZoonThree alternatives
Rain, Tapcheck, ZayZoonFour alternatives
DailyPay, Payactiv, Rain, TapcheckMistral SmallDailyPayInstant Financial SolutionsChangedDailyPay, PayactivZayZoonno first choicenothing named
Two alternatives
Tapcheck, ZayZoonFour alternatives
Branch, Clair, EarnIn, ZayZoonOne alternative
EarnInDeepSeek V4 FlashDailyPay, TapcheckTapcheckChangedagainst: Clair, DailyPay, Payactiv, ZayZoonDailyPayagainst: BranchZayZoonno first choiceagainst: DailyPay, EarnIn, Empower, MoneyLion – Instacash, Payactiv
Three alternatives
Branch, Payactiv, ZayZoonOne alternative
RainFive alternatives
Chime Workplace, EarnIn, Payactiv, Tapcheck, ZayZoonTwo alternatives
Homebase, TapcheckLlama 4 MaverickRainno first choiceChangedno first choiceZayZoonno first choicenothing named
Three alternatives
DailyPay, Payactiv, ZayZoonTwo alternatives
EarnIn, MyPayNowQwen 3.7 FlashRain, ZayZoonagainst: DailyPayTapcheckChangedDailyPayZayZoonno first choiceagainst: DailyPay, Dave, EarnIn, Empower, Payactiv
One alternative
PayactivTwo alternatives
DailyPay, ZayZoonFour alternatives
Payactiv, Tapcheck, Wagestream, ZayZoonTwo alternatives
EarnIn, PayactivKimi K2Tapcheckagainst: DailyPayZayZoonChangedDailyPayBranchno first choiceagainst: Brigit, Cleo, Dave, EarnIn, Empower, FloatMe, Klover, MoneyLion – Instacash, Tilt
Two alternatives
Rain, ZayZoonTwo alternatives
DailyPay, PayactivFive alternatives
Clair, EarnIn, Payactiv, Tapcheck, ZayZoonThree alternatives
DailyPay, Payactiv, RainGLM 4.7 FlashXTapcheckTapcheckHeldagainst: DailyPayDailyPayTapcheckno first choiceagainst: Brigit, Dave, EarnIn
Four alternatives
DailyPay, Gusto Wallet, Payactiv, ZayZoonTwo alternatives
Rain, ZayZoonThree alternatives
Branch, EarnIn, PayactivTwo alternatives
DailyPay, HomebaseMiniMax M2.5Tapcheckagainst: DailyPayZayZoonChangedno first choiceDailyPay for Small Business, ZayZoonno first choiceagainst: Branch, Brigit, Cleo, Dave, EarnIn, MoneyLion – Instacash, Possible Finance
Two alternatives
Payactiv, RainTwo alternatives
DailyPay, FlexWageTwo alternatives
EarnIn, TapcheckGPT-6 LunaTapcheckPayactivChangedno first choiceagainst: Dave, EarnIn, ZayZoonBranchno first choiceagainst: Brigit, Cleo, DailyPay, Dave, EarnIn, FloatMe, MoneyLion – Instacash
Two alternatives
DailyPay, PayactivTwo alternatives
Branch, DailyPayTwo alternatives
DailyPay, PayactivMuse Glimmer 30BTapcheckTapcheckHeldDailyPayTapcheckno first choiceagainst: Albert, Brigit, Chime Workplace, Dave, EarnIn, Empower, FloatMe, MoneyLion – Instacash, Possible
Two alternatives
DailyPay, ZayZoonOne alternative
DailyPayOne alternative
PayactivThree alternatives
Chime Workplace, Homebase, ZayZoonBold 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 11:32 | yes | 15 | 7 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:20 | yes | 2 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 12:16 | yes | 23 | 65 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 10:43 | yes | 19 | 2 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:25 | yes | 18 | 16 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:48 | yes | 14 | 7 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:01 | yes | 21 | 39 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:34 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:20 | yes | 8 | 39 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:54 | yes | 17 | 25 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:21 | yes | 22 | 25 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:20 | yes | 14 | 31 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:28 | yes | 5 | 21 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:09 | yes | 21 | 36 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:07 | no | 0 | 3 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:47 | yes | 3 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:59 | yes | 14 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 08:28 | yes | 19 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:11 | yes | 22 | 8 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:56 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:05 | yes | 23 | 36 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:45 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:55 | yes | 5 | 31 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:07 | yes | 18 | 22 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:49 | yes | 11 | 154 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:13 | yes | 11 | 33 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:19 | yes | 3 | 20 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:33 | yes | 23 | 34 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:31 | yes | 9 | 7 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:58 | yes | 4 | 10 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:35 | yes | 17 | 25 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 09:37 | yes | 19 | 6 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:07 | yes | 20 | 9 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:37 | yes | 10 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:40 | yes | 20 | 50 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:20 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:56 | yes | 10 | 30 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 12:07 | yes | 18 | 30 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:49 | yes | 25 | 62 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 07:36 | yes | 10 | 15 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:25 | yes | 8 | 46 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:35 | yes | 15 | 33 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:07 | yes | 18 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 12:05 | yes | 3 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:19 | yes | 11 | 26 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 09:18 | yes | 13 | 4 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:32 | yes | 17 | 8 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:26 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:49 | yes | 18 | 38 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:50 | yes | 5 | 1 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:09 | yes | 14 | 33 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 12:05 | yes | 18 | 23 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:48 | yes | 21 | 109 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:27 | yes | 17 | 35 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:36 | yes | 3 | 12 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:02 | yes | 10 | 21 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:35 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:03 | no | 0 | 9 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:14 | yes | 14 | 24 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 09:08 | yes | 44 | 6 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:34 | yes | 18 | 12 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:08 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:28 | yes | 20 | 71 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:17 | yes | 5 | 4 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:50 | no | 0 | 32 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:01 | no | 0 | 21 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:34 | yes | 14 | 20 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:52 | no | 0 | 11 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:39 | yes | 2 | 30 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:14 | yes | 13 | 28 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:39 | yes | 24 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:55 | yes | 4 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:21 | yes | 19 | 30 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 10:58 | yes | 20 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:54 | yes | 22 | 8 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:09 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:22 | yes | 22 | 36 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:40 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:47 | yes | 9 | 41 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:35 | yes | 21 | 24 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:07 | yes | 24 | 68 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:36 | yes | 24 | 61 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:34 | yes | 4 | 20 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:26 | yes | 14 | 26 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
ShowHide
Category-scoped readings
ADP Wisely read as Wisely
Gusto read as Gusto Wallet
MoneyLion read as MoneyLion – Instacash
MoneyLion (Instacash) read as MoneyLion – Instacash
Unresolved, counted raw
Branch Core
CloudPay Ltd.
Deel's On-Demand Payroll
Gusto Inc.
Instant Financial Solutions
MyPay at Work
Paychex Flex On Demand Pay / OnDemand Pay
Paychex Inc.
Paylocity Holding Corporation
Paylocity On Demand Payment
Possible
Possible Finance
Ultimate Kronos Group Inc.
ZayZoon Inc.
Discontinued, still offered
No shut-down product was recommended here.