Earned wage access for enterprise buyers
Asked as “earned wage access provider”, and as “on-demand pay benefit”, on behalf of an enterprise B2B company. 42 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
67%
Clear leader
67DailyPay05Chime Workplace05Payactiv24others
67% of first choices, clear leader.
Since September 2026=heldSince September 2026: 61% → 61%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.DailyPay held the lead, ±0 points on 61%, 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.Standing →Enterprise
DailyPay67%Clear leader=heldSince September 2026: 61% → 61%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.This page
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.Standing →EnterpriseDailyPay67%Clear leader=heldSince September 2026: 61% → 61%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01DailyPay67%12%67endorsed leader=heldSince September 2026: 61% → 61%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.61% → 61%
DailyPay67%12%67endorsed leader=heldSince September 2026: 61% → 61%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.61% → 61%02
Payactiv5%9%54accepted challenger▼−12Since September 2026: 17% → 6%, −12 points. Inside the 13-point floor: within noise. Read over the models both editions asked.17% → 6%
Payactiv5%9%54accepted challenger▼−12Since September 2026: 17% → 6%, −12 points. Inside the 13-point floor: within noise. Read over the models both editions asked.17% → 6%03
Chime Workplace5%0%17accepted challenger▲+1Since September 2026: 4% → 6%, +1 point. Inside the 13-point floor: within noise. Read over the models both editions asked.4% → 6%
Chime Workplace5%0%17accepted challenger▲+1Since September 2026: 4% → 6%, +1 point. Inside the 13-point floor: within noise. Read over the models both editions asked.4% → 6%04ZayZoon5%0%11accepted challenger▲+6Since September 2026: 0% → 6%, +6 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 6%
ZayZoon5%0%11accepted challenger▲+6Since September 2026: 0% → 6%, +6 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 6%05
Rain2%6%35accepted challenger▼−4Since September 2026: 7% → 3%, −4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.7% → 3%
Rain2%6%35accepted challenger▼−4Since September 2026: 7% → 3%, −4 points. Inside the 13-point floor: within noise. Read over the models both editions asked.7% → 3%06Tapcheck2%8%24accepted challenger▲+1Since September 2026: 2% → 3%, +1 point. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 3%
Tapcheck2%8%24accepted challenger▲+1Since September 2026: 2% → 3%, +1 point. Inside the 13-point floor: within noise. Read over the models both editions asked.2% → 3%07
Branch2%14%29accepted challenger▲+3Since September 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 3%
Branch2%14%29accepted challenger▲+3Since September 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 3%08
Clair2%15%20accepted challenger▲+3Since September 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 3%
Clair2%15%20accepted challenger▲+3Since September 2026: 0% → 3%, +3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 3%Show the one product at 0%, ordered by negative rate
09
EarnIn0%78%18criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 0%
EarnIn0%78%18criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 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
One product takes 67% of first choices here, so the chart would put eight markers in one corner and one at the far edge. The two measurements it plots are columns in the standing above: share, and the negative label rate. One product carries a negative rate above 25% in this category.
What they warned about
Ten of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, Mistral Small, Qwen 3.7 Flash and GLM 4.7 FlashX 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.
EarnIn78%
14 of 18 labels negative · 10 of 14 models · 8 hard negative
“avoid or require enhanced due diligence on: ... Providers with pending state AG suits alleging usurious lending, e.g., EarnIn, DailyPay and MoneyLion” Muse Glimmer 30B, negative prompt
MoneyLion – Instacash89%
8 of 9 labels negative · 8 of 14 models · 5 hard negative
“Providers with pending state AG suits alleging usurious lending, e.g., EarnIn, DailyPay and MoneyLion as of 2025-2026.” Muse Glimmer 30B, negative prompt
DailyPay12%
8 of 67 labels negative · 6 of 14 models · 2 hard negative
“The New York Attorney General is suing earned wage access providers DailyPay and MoneyLion, alleging they made “illegal, high-interest loans”” Muse Glimmer 30B, negative prompt
Brigit
100%
4 of 4 labels negative · 4 of 14 models · 4 hard negative
“Be wary of consumer-facing "lifestyle" fintechs (e.g., **Brigit**, **Cleo**) that try to pivot into B2B enterprise markets.” Qwen 3.7 Flash, 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
81 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. 1208 links across 263 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.
44 answers · 70 citations · 12 models
vendor site · DailyPay40 answers · 81 citations · 14 models
36 answers · 36 citations · 11 models
vendor site · Guideflow34 answers · 35 citations · 12 models
33 answers · 33 citations · 12 models
31 answers · 33 citations · 11 models
vendor site · G230 answers · 49 citations · 12 models
25 answers · 25 citations · 11 models
vendor site · Tapcheck23 answers · 29 citations · 12 models
22 answers · 30 citations · 12 models
vendor site · Payactiv21 answers · 30 citations · 9 models
20 answers · 29 citations · 11 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.
36 answers · 11 models
35 answers · 12 models
34 answers · 12 models
31 answers · 12 models
27 answers · 11 models
25 answers · 11 models
19 answers · 10 models
18 answers · 11 models
17 answers · 7 models
16 answers · 10 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 |
|---|---|---|---|---|---|---|---|---|
| DailyPay dailypay.com | 67% | 205 | 165,000 | 3,329 | 213,488 | $2,108 | 56 | 2 |
| Payactiv payactiv.com Payactiv 5%, Payactiv® 0% | 5% | 190 | 110,000 | 700 | 92,054 | $231 | 13 | 3 |
| Chime Workplace chime.com | 5% | 64 | 320 | 1 | 1,490,450 | $409,615 | 120 | 1 |
| ZayZoon zayzoon.com | 5% | 133 | 90,500 | 304 | 39,895 | 1 | ||
| Wisely | 5% | |||||||
| Rain rainapp.com | 2% | 85 | 246,000 | 376,115 | 6,438 | 17 | ||
| Tapcheck tapcheck.com | 2% | 126 | 22,200 | 420 | 45,032 | 16 | 7 | |
| Branch branchapp.com | 2% | 68 | 60,500 | 203,933 | 45,620 | 8 | 8 | |
| Clair getclair.com | 2% | 38 | 12,100 | 91,260 | 6,711 | |||
| Dayforce dayforce.com Dayforce Wallet 2% | 2% | 7 | 450,000 | 2,983 | 208,252 company | 38 |
Google's top ten for the three searches hold 12 sites; 4 of them are among the sites the models cited here (dailypay.com, enterprise.chime.com, payactiv.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 an enterprise B2B company?”Paraphrase“Which on-demand pay benefit would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade earned wage access providers and how do they differ?”Budget-constrained“What is the best earned wage access provider for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating an earned wage access provider. What should we look at?”Negative“Which earned wage access providers should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5DailyPayDailyPay, ImmediateChangedDailyPay, TapcheckDailyPayno first choiceagainst: DailyPay
Two alternatives
Payactiv, RainTwo alternatives
Payactiv, RainTwo alternatives
Chime Workplace, PayactivGPT-5.4 miniDailyPayDailyPayHeldDailyPayPayactivno first choiceagainst: MoneyLion – Instacash
One alternative
PayactivOne alternative
PayactivTwo alternatives
Branch, PayactivOne alternative
DailyPayGemini 3.5 FlashDailyPayDailyPayHeldno first choiceChime Workplace, Clairno first choiceagainst: Bridge It, Brigit, Cleo, Dave, EarnIn, FloatMe
Three alternatives
Chime Workplace, Payactiv, WagestreamFour alternatives
Chime Workplace, Dayforce Wallet, Payactiv, WiselyFour alternatives
Branch, DailyPay®, Payactiv®, StreamPerplexity SonarDailyPayDailyPayHeldagainst: BambooHR, Clair, QuickBooksDailyPayWiselyno first choicenothing named
One alternative
TapcheckOne alternative
Deel Anytime PayFive alternatives
Chime Workplace, Clair, Payactiv, Rain, TapcheckOne alternative
DailyPayGrok 4.1 FastDailyPayDailyPayHeldDailyPayagainst: EarnInTapcheck, ZayZoonagainst: FlexWage, Payactivno first choiceagainst: Brigit, Cleo, Dave, EarnIn, Empower, MoneyLion – Instacash
Three alternatives
Payactiv, Rain, TapcheckThree alternatives
Branch, Payactiv, WiselyThree alternatives
Branch, FlexWage, PayactivTwo alternatives
DailyPay, RainMistral SmallRainno first choiceChangedPayactiv, Rain, TapcheckDailyPayno first choiceagainst: EarnIn, Empower, Immediate, MoneyLion – Instacash, Netspend Earned Wage Access, Paycom, Rellevate Financial Services, Rupyo, Salarium, Wagestream, rapid! OnDemand
Three alternatives
Branch, DailyPay, PayactivTwo alternatives
Branch, Chime WorkplaceOne alternative
PayactivDeepSeek V4 FlashDailyPayagainst: Branch, EarnIn, PaycomDailyPayHeldagainst: Branch, Clair, EarnIn, Payactiv, RainDailyPay, PayactivBranchno first choiceagainst: Brigit, EarnIn, Empower, MoneyLion – Instacash, Payactiv
Two alternatives
Clair, PayactivFour alternatives
Branch, Rain, Tapcheck, ZayZoonTwo alternatives
DailyPay, PayactivLlama 4 Maverickno first choiceno first choiceHeldDailyPay, PayactivDailyPayno first choiceagainst: Immediate, rapid!, Netspend Earned Wage Access, OnDemand, Rellevate Financial Services, Rupyo, Salarium, Wagestream
One alternative
TapcheckSix alternatives
Branch, Clair, Gusto Wallet, Payactiv, Wagestream, ZayZoonQwen 3.7 FlashDailyPayWiselyChangedDailyPayagainst: EarnInZayZoonagainst: DailyPayno first choiceagainst: Brigit, Cleo, DailyPay
Two alternatives
Minu, ProliantOne alternative
DailyPayFour alternatives
Payactiv, Rain, Tapcheck, ZayZoonTwo alternatives
Rain, TapcheckKimi K2DailyPayDailyPayHeldDailyPayagainst: BranchPayactivagainst: DailyPay, Rain, Tapcheckno first choiceagainst: DailyPay, EarnIn, Payactiv
Three alternatives
Branch, Clair, PayactivOne alternative
PayactivThree alternatives
Clair, OnePay @Work, PayactivOne alternative
ImmediateGLM 4.7 FlashXDailyPayDayforce WalletChangedDailyPay, TapcheckChime Workplaceno first choiceagainst: EarnIn, MoneyLion – Instacash, Payactiv
Six alternatives
Branch, Chime Workplace, Payactiv, Rain, Tapcheck, ZayZoonTwo alternatives
CloudPay Pay On-Demand, DailyPaySeven alternatives
ADP, Branch, Gusto Wallet, Netchex, Payactiv, Paychex, ZayZoonTwo alternatives
DailyPay, WiselyMiniMax M2.5DailyPayDailyPayHeldDailyPayDailyPayno first choiceagainst: EarnInagainst: Cleo, DailyPay, EarnIn, Empower, MoneyLion – Instacash
Four alternatives
ADP, Dayforce Wallet, Payactiv, RainFour alternatives
Chime Workplace, Payactiv, Rain, TapcheckThree alternatives
Branch, Clair, PayactivThree alternatives
CloudPay NOW, Payactiv, ShiftFlowGPT-6 LunaDailyPayDailyPayHeldno first choiceDailyPayno first choiceagainst: Branch, DailyPay, EarnIn, MoneyLion – Instacash, Tapcheck
Two alternatives
Branch, PayactivOne alternative
PayactivSix alternatives
Branch, DailyPay, OnePay @Work, Payactiv, Rain, TapcheckTwo alternatives
Payactiv, TapcheckMuse Glimmer 30BDailyPayDailyPayHeldDailyPayDailyPayno first choiceagainst: DailyPay, EarnIn, MoneyLion – Instacash
Four alternatives
Branch, Clair, Payactiv, RainOne alternative
PaycomFive alternatives
Branch, Clair, Payactiv, Rain, TapcheckThree alternatives
Chime Workplace, Clair, PayactivBold 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 07:44 | yes | 9 | 6 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 08:40 | yes | 4 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:05 | yes | 22 | 31 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 10:25 | yes | 18 | 3 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:00 | yes | 19 | 7 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:20 | yes | 14 | 7 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:20 | yes | 20 | 23 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:51 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:51 | yes | 10 | 40 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:40 | yes | 19 | 19 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:25 | yes | 23 | 50 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:48 | yes | 10 | 26 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:36 | yes | 4 | 20 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:47 | yes | 14 | 16 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:40 | yes | 18 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:05 | yes | 5 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:59 | yes | 12 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 10:08 | yes | 20 | 6 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:34 | yes | 22 | 9 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:39 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:25 | yes | 22 | 47 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:27 | yes | 9 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:56 | yes | 10 | 23 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:42 | yes | 12 | 24 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:32 | yes | 22 | 21 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:04 | yes | 10 | 25 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:20 | yes | 2 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:55 | yes | 19 | 24 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:57 | yes | 12 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:23 | yes | 7 | 9 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:39 | yes | 29 | 32 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 11:01 | yes | 18 | 4 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:52 | yes | 20 | 8 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:06 | yes | 9 | 10 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:56 | yes | 20 | 78 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:45 | yes | 5 | 4 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:44 | yes | 17 | 134 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:53 | yes | 23 | 39 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:04 | yes | 23 | 75 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:57 | yes | 10 | 25 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:15 | yes | 8 | 43 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:02 | yes | 21 | 56 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:13 | yes | 17 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:39 | yes | 3 | 6 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 12:18 | yes | 23 | 61 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 11:24 | yes | 18 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 07:59 | yes | 15 | 14 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:21 | yes | 6 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:54 | yes | 24 | 43 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:12 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:19 | yes | 9 | 44 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:30 | yes | 20 | 46 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:37 | yes | 18 | 58 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:50 | yes | 18 | 53 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:53 | yes | 3 | 20 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:48 | yes | 21 | 45 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:23 | yes | 17 | 12 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 12:04 | no | 0 | 12 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:38 | yes | 11 | 27 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 10:45 | yes | 20 | 7 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:51 | yes | 20 | 9 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:12 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:47 | yes | 23 | 64 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 11:07 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:21 | yes | 20 | 42 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:54 | yes | 23 | 39 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:54 | yes | 14 | 31 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:43 | yes | 5 | 20 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 12:08 | yes | 3 | 31 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 11:40 | yes | 23 | 53 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:01 | yes | 19 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:00 | yes | 5 | 10 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 12:17 | yes | 25 | 64 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 08:51 | yes | 20 | 3 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:05 | yes | 25 | 10 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:11 | yes | 13 | 7 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:13 | yes | 22 | 48 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:40 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:50 | no | 0 | 33 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:29 | yes | 23 | 25 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:34 | yes | 25 | 68 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:27 | yes | 14 | 20 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:58 | yes | 5 | 61 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:27 | yes | 22 | 41 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
Ceridian read as Dayforce Wallet
Cloudpay read as CloudPay NOW
Dayforce read as Dayforce Wallet
Gusto read as Gusto Wallet
MoneyLion read as MoneyLion – Instacash
MoneyLion (Instacash product) read as MoneyLion – Instacash
Unresolved, counted raw
Bridge It
Checkbook Technologies
CloudPay Pay On-Demand
DailyPay®
Deel Anytime Pay
EarnIn Payroll
Green Dot
Immediate, rapid!
Links International
Minu
Payactiv®
rapid! OnDemand
Discontinued, still offered
No shut-down product was recommended here.