Earned wage access for small business buyers
Asked as “earned wage access provider”, and as “on-demand pay benefit”, on behalf of a small B2B company. 50 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
50%
Clear leader
50ZayZoon24Tapcheck12DailyPay14others
50% of first choices, clear leader.
Since September 2026▼−5Since September 2026: 55% → 50%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.ZayZoon held the lead, −5 points on 55%, 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.This pageMid-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.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.This pageMid-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.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01ZayZoon50%4%49endorsed leader▼−5Since September 2026: 55% → 50%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.55% → 50%
ZayZoon50%4%49endorsed leader▼−5Since September 2026: 55% → 50%, −5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.55% → 50%02Tapcheck24%0%40accepted challenger▲+6Since September 2026: 16% → 21%, +6 points. Inside the 13-point floor: within noise. Read over the models both editions asked.16% → 21%
Tapcheck24%0%40accepted challenger▲+6Since September 2026: 16% → 21%, +6 points. Inside the 13-point floor: within noise. Read over the models both editions asked.16% → 21%03DailyPay12%28%47criticized challenger▼−2Since September 2026: 16% → 14%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.16% → 14%
DailyPay12%28%47criticized challenger▼−2Since September 2026: 16% → 14%, −2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.16% → 14%04
EarnIn4%43%30criticized challenger▲+2Since September 2026: 3% → 5%, +2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.3% → 5%
EarnIn4%43%30criticized challenger▲+2Since September 2026: 3% → 5%, +2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.3% → 5%Show the three products at 0%, ordered by negative rate
05
Payactiv0%19%37accepted challenger▼−3Since September 2026: 3% → 0%, −3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.3% → 0%
Payactiv0%19%37accepted challenger▼−3Since September 2026: 3% → 0%, −3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.3% → 0%07
Branch0%7%14accepted challenger▼−3Since September 2026: 3% → 0%, −3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.3% → 0%
Branch0%7%14accepted challenger▼−3Since September 2026: 3% → 0%, −3 points. Inside the 13-point floor: within noise. Read over the models both editions asked.3% → 0%06
Rain0%0%18accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.0% → 0%
Rain0%0%18accepted 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
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 →
01020304050607Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative70%
Key
01ZayZoon50%
ZayZoon50%02Tapcheck24%
Tapcheck24%03DailyPay12%
DailyPay12%04EarnIn4%
EarnIn4%05Payactiv0%
Payactiv0%06Rain0%
Rain0%07Branch0%
Branch0%What they warned about
Two of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, 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.
EarnIn43%
13 of 30 labels negative · 12 of 14 models · 11 hard negative
“Small businesses should exercise caution with **direct-to-consumer (D2C) Earned Wage Access (EWA) providers** (e.g., apps like EarnIn, Dave, or Flex)... Providers to Avoid” Grok 4.1 Fast, negative prompt
DailyPay28%
13 of 47 labels negative · 10 of 14 models · 2 hard negative
“Also sued by the New York Attorney General in April 2025 for similar allegations—charging fees that amount to illegal high-interest loans.” Mistral Small, negative prompt
Dave89%
8 of 9 labels negative · 8 of 14 models · 7 hard negative
“The Federal Trade Commission (FTC) took action against the online cash app and neobank Dave, making similar allegations regarding how it advertises versus how it charges fees.” Claude Haiku 4.5, negative prompt
MoneyLion – Instacash100%
8 of 8 labels negative · 8 of 14 models · 7 hard negative
“Sued by New York Attorney General Letitia James (April 2024)... Allegation: Expedited delivery fees and voluntary tips constitute excessive interest/usury violations” MiniMax M2.5, 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
78 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. 1065 links across 211 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 · Guideflow56 answers · 58 citations · 12 models
vendor site · DailyPay41 answers · 63 citations · 14 models
39 answers · 45 citations · 13 models
34 answers · 38 citations · 12 models
32 answers · 47 citations · 12 models
vendor site · G230 answers · 59 citations · 11 models
30 answers · 35 citations · 11 models
vendor site · Tapcheck23 answers · 40 citations · 10 models
23 answers · 23 citations · 9 models
22 answers · 22 citations · 10 models
vendor site · ZayZoon20 answers · 42 citations · 10 models
18 answers · 19 citations · 9 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.
56 answers · 12 models
36 answers · 12 models
31 answers · 12 models
28 answers · 11 models
24 answers · 11 models
23 answers · 9 models
22 answers · 9 models
21 answers · 10 models
20 answers · 8 models
18 answers · 11 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 |
|---|---|---|---|---|---|---|---|---|
| ZayZoon zayzoon.com | 50% | 133 | 90,500 | 304 | 39,895 | 1 | ||
| Tapcheck tapcheck.com | 24% | 126 | 22,200 | 420 | 45,032 | 16 | 7 | |
| DailyPay dailypay.com DailyPay 12%, DailyPay for Small Business 2%, DailyPay Built-In™ 0% | 14% | 205 | 165,000 | 3,329 | 213,488 | $2,108 | 56 | 2 |
| Clair getclair.com | 4% | 38 | 12,100 | 91,260 | 6,711 | |||
| EarnIn earnin.com | 4% | 88 | 90,500 | 1,682 | 181,128 | 83 | ||
| Immediate joinimmediate.com | 2% | 12 | 246,000 | 234,506 | 1,204 | |||
| Rainie | 2% | |||||||
| Payactiv payactiv.com | 0% | 190 | 110,000 | 700 | 92,054 | $231 | 13 | 3 |
| Rain rainapp.com | 0% | 85 | 246,000 | 376,115 | 6,438 | 17 | ||
| Branch branchapp.com | 0% | 68 | 60,500 | 203,933 | 45,620 | 8 | 8 |
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 small B2B company?”Paraphrase“Which on-demand pay benefit would you recommend to a small business that sells to other businesses?”Comparative“What are the top earned wage access providers for a small team and how do they differ?”Budget-constrained“What is the best earned wage access provider for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating an earned wage access provider. What should we look at?”Negative“Which earned wage access providers should a small business avoid or be cautious about?”
Claude Haiku 4.5ZayZoonno first choiceChangedTapcheck, ZayZoonZayZoonno first choiceagainst: Dave, EarnIn
Two alternatives
DailyPay, TapcheckTwo alternatives
Chime Workplace, PayactivThree alternatives
Chime Workplace, FlexEarn, TapcheckGPT-5.4 miniTapcheckImmediate, ZayZoonChangedImmediateZayZoonno first choicenothing named
Two alternatives
DailyPay, ZayZoonOne alternative
TapcheckThree alternatives
Branch, DailyPay, PayactivTwo alternatives
Payactiv, TapcheckGemini 3.5 FlashZayZoonClair, ZayZoonChangedClair, ZayZoonClair, Tapcheck, ZayZoonno first choiceagainst: Brigit, DailyPay, Dave, EarnIn, Empower, MoneyLion – Instacash
Five alternatives
Branch, Clair, DailyPay Built-In™, Payactiv, TapcheckOne alternative
TapcheckTwo alternatives
Payactiv, TapcheckThree alternatives
Clair On-Demand Pay, Gusto Cashout, PayactivPerplexity SonarZayZoonDailyPayChangedZayZoonagainst: DailyPayZayZoonno first choiceagainst: Dave, EarnIn
Three alternatives
EarnIn, Homebase Cash Out, TapcheckFour alternatives
Clair, Payactiv, Rain, TapcheckTwo alternatives
Homebase Cash Out, PayactivGrok 4.1 FastZayZoonagainst: FlexWageDailyPayChangedZayZoonTapcheckno first choiceagainst: Brigit, DailyPay, Dave, EarnIn, Flex, MoneyLion – Instacash, Payactiv
Three alternatives
Clair, DailyPay, PayactivTwo alternatives
Tapcheck, ZayZoonFive alternatives
DailyPay, EarnIn, Payactiv, Rain, TapcheckThree alternatives
DailyPay, Homebase, ZayZoonMistral SmallZayZoonno first choiceChangedMyPayNow, ZayZoonEarnIn, ZayZoonno first choiceagainst: DailyPay, EarnIn, MoneyLion – Instacash
One alternative
BranchTwo alternatives
Branch, DailyPayDeepSeek V4 FlashZayZoonagainst: Branch, DailyPay, Dave, EarnInZayZoonHeldagainst: DailyPay, PayactivHomebase, ZayZoonTapcheckagainst: DailyPayno first choiceagainst: DailyPay, EarnIn, Payactiv, ZayZoon
One alternative
TapcheckFour alternatives
DailyPay, Payactiv, Rain, TapcheckThree alternatives
EarnIn, Homebase, ZayZoonTwo alternatives
EarnIn, TapcheckLlama 4 MaverickZayZoonno first choiceChangedno first choiceEarnIn, ZayZoonno first choicenothing named
Two alternatives
DailyPay, PayactivQwen 3.7 FlashDailyPay, Rainieagainst: PayactivZayZoonChangedTapcheckTapcheckno first choiceagainst: DailyPay, EarnIn, Empower, MoneyLion – Instacash
Three alternatives
Dayforce Wallet, UpFolio, WorkdayOne alternative
DailyPayFour alternatives
DailyPay, EarnIn, Payactiv, ZayZoonThree alternatives
Dave, EarnIn, PayactivKimi K2DailyPay, ZayZoonTapcheckChangedZayZoonZayZoonno first choiceagainst: Brigit, DailyPay, Dave, EarnIn, MoneyLion – Instacash, Payactiv
One alternative
TapcheckOne alternative
DailyPayThree alternatives
DailyPay, Homebase, PayactivTwo alternatives
Clair, TapcheckGLM 4.7 FlashXTapcheckDailyPayChangedZayZoonTapcheckno first choiceagainst: Dave, EarnIn, MoneyLion – Instacash, Payactiv, ZayZoon
Three alternatives
DailyPay, Rain, ZayZoonFour alternatives
Branch, DailyPay, Payactiv, TapcheckFour alternatives
DailyPay, EarnIn, Gusto Wallet, PayactivMiniMax M2.5Tapcheck, ZayZoonDailyPayChangedEarnIn, ZayZoonZayZoonno first choiceagainst: DailyPay, EarnIn, MoneyLion – Instacash
Two alternatives
Chime Workplace, DailyPayTwo alternatives
EarnIn, PayactivTwo alternatives
Paychex Flex, RainTwo alternatives
EarnIn, RainGPT-6 LunaDailyPay for Small BusinessTapcheckChangedTapcheckTapcheckno first choiceagainst: DailyPay, Dave, EarnIn, MoneyLion – Instacash
One alternative
Clair On-Demand PayOne alternative
ZayZoonThree alternatives
Branch, DailyPay for Small Business, PayactivOne alternative
Chime WorkplaceMuse Glimmer 30BZayZoonZayZoonHeldZayZoonTapcheck, ZayZoonZayZoonagainst: DailyPay, EarnIn, Payactiv
Two alternatives
DailyPay, PayactivOne alternative
TapcheckFive alternatives
Chime Workplace, DailyPay, Homebase Cash Out, Payactiv, TapcheckFour alternatives
Chime Workplace, DailyPay, Homebase, RainBold 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 08:50 | yes | 14 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:36 | yes | 4 | 7 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:37 | yes | 19 | 27 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 08:51 | yes | 17 | 2 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:05 | yes | 20 | 9 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:48 | yes | 5 | 3 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:41 | yes | 21 | 26 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:22 | yes | 5 | 1 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:40 | no | 0 | 32 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 12:06 | yes | 9 | 13 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:06 | yes | 21 | 62 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:01 | yes | 14 | 22 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 07:54 | yes | 4 | 32 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:39 | yes | 13 | 15 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:40 | no | 0 | 4 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 12:07 | yes | 3 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:06 | yes | 19 | 26 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 09:46 | yes | 18 | 3 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 12:06 | yes | 20 | 7 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 08:28 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 12:02 | yes | 23 | 37 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 07:38 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:12 | yes | 20 | 124 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:25 | yes | 24 | 19 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:04 | yes | 10 | 67 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:04 | yes | 5 | 56 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:50 | yes | 2 | 15 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:49 | yes | 10 | 15 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:11 | yes | 15 | 10 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:12 | yes | 7 | 10 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:25 | yes | 23 | 29 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 09:36 | yes | 17 | 5 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:24 | yes | 17 | 14 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:54 | yes | 18 | 10 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:55 | yes | 20 | 31 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:03 | yes | 5 | 1 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:07 | yes | 7 | 53 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 11:33 | yes | 13 | 23 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:02 | yes | 21 | 29 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 11:09 | yes | 12 | 20 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:36 | yes | 6 | 30 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 07:29 | yes | 14 | 29 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 12:03 | yes | 16 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:58 | yes | 3 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:18 | yes | 16 | 21 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 11:44 | yes | 18 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:17 | yes | 21 | 8 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:18 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:51 | yes | 23 | 26 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:53 | yes | 5 | 2 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 07:51 | yes | 10 | 70 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:17 | yes | 20 | 22 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:19 | yes | 19 | 29 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:00 | yes | 12 | 24 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:20 | yes | 3 | 13 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:38 | yes | 12 | 23 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:34 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:29 | no | 0 | 10 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:52 | yes | 14 | 24 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 11:23 | yes | 20 | 8 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:54 | yes | 20 | 10 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 11:36 | no | 0 | 6 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:18 | yes | 22 | 39 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 12:04 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:46 | no | 0 | 37 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:56 | yes | 7 | 23 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 11:12 | yes | 15 | 40 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:02 | yes | 5 | 14 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:14 | yes | 1 | 32 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:03 | yes | 12 | 34 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:49 | yes | 25 | 12 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:57 | yes | 3 | 5 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 11:25 | yes | 24 | 27 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 08:16 | yes | 20 | 6 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 10:08 | yes | 21 | 10 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:07 | yes | 20 | 12 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:09 | yes | 24 | 51 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:07 | yes | 5 | 4 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:50 | yes | 17 | 53 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:50 | yes | 20 | 31 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 08:09 | yes | 24 | 104 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:00 | yes | 9 | 27 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:30 | yes | 4 | 33 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:03 | yes | 20 | 40 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
Dayforce read as Dayforce Wallet
Gusto read as Gusto Wallet
MoneyLion read as MoneyLion – Instacash
MoneyLion (Instacash) read as MoneyLion – Instacash
Unresolved, counted raw
Chime SpotMe/MyPay
DailyPay Built-In™
Daybank
Flex
FlexEarn
Gusto Cashout
LeSalary
Rainie
UpFolio
Discontinued, still offered
No shut-down product was recommended here.