Agentic payments

Can an AI agent pay you?

2,195 of 2,200 finance companies publish no way for an AI agent to check out

AI agents are starting to act for customers: to compare, to apply and to pay. We scanned the websites of 2,200 finance companies for what an agent needs to do that by itself. That is a published payment or checkout protocol, an interface built for agents, and the web basics underneath.

Scanned from October 3 to 9, 2026.

Agent paymentsWebsites publishing

x402001of 2,170
MPP002of 2,094
AP2000of 2,170
ACP001of 2,057
UCP004of 2,092

2,195 of 2,200

finance companies publish no way for an AI agent to check out

2,047 publish nothing an agent could use. 148 turn automated visitors away before one can ask.

companies publish an agent payment protocol

We looked for x402, MPP, AP2, ACP and UCP. Each is a published way for an AI agent to pay or check out without a person clicking through a page.

98%

of companies stop at the web basics

2,121 of 2,170 get no further. The scale runs from 0 to 5, and the basics are a rules file and a list of pages.

companies publish an interface built for AI agents

That means a server an agent can connect to, a card describing what the company's own agent does, a list of skills, or a catalog of its programming interfaces. We scanned 2,200 companies.

What is published

Agent payment protocols and agent interfaces

A payment protocol is a published way for an AI agent to pay or check out. An interface is what an agent connects to or reads to learn what a website can do for it. For each one, the table shows how many finance websites publish it, and which.

Agent payment protocol	Websites we could check	Publish it	Share
x402HTTP 402 payment requirements agents can pay automatically.Forter	2,170	1	0.0%
MPPMachine Payment Protocol pricing on the operations in the OpenAPI document.Forter QuickNode	2,094	2	0.1%
AP2Agent Payments Protocol declared as an extension on the A2A Agent Card.	2,170	0	0.0%
ACPAn Agentic Commerce Protocol document at /.well-known/acp.json.Forter	2,057	1	0.0%
UCPA Universal Commerce Protocol profile at /.well-known/ucp.Forter OpenMerchant PagoPACE Popl	2,092	4	0.2%

Interface for AI agents	Websites we could check	Publish it	Share
MCP Server CardA server card describing the MCP server, its transport and capabilities.Codex PBC Compass Labs Deck Digital Transactions Fingerprint Fintoc Honeycoin Fin by Intercom IntouchCX Kasada Kraken LUMXand 5 more	2,060	17	0.8%
A2A Agent CardAn agent card at /.well-known/agent-card.json for agent to agent discovery.Forter Honeycoin LUMX QuickNode Razorpay	2,062	5	0.2%
Agent SkillsA skills index at /.well-known/agent-skills/index.json that agents can load.APIContext Bitso Bitso Business Callstack Codex PBC Coinbase Fingerprint Forter GEICO Honeycoin Increase IntouchCXand 8 more	2,060	20	1.0%
API CatalogA linkset at /.well-known/api-catalog listing APIs, specs and docs.APIContext Bitso Bitso Business Callstack Codex PBC Coinbase Deck Fingerprint Fintoc Forter GeekyAnts GEICOand 15 more	2,051	27	1.3%
llms.txtAn llms.txt that tells language models what the site offers.Abrigo Academy Bank Accertify ACI Worldwide Acoru Activant Capital Acupixel Adaptive Security ADM Creative Group Automatic Data Processing Adyen Affiliate Marketing Partnersand 646 more	2,122	658	31.0%
WebMCPTools registered in the browser through navigator.modelContext.	30	0	0.0%

“Websites we could check” leaves out a website that turned that request away, so the count differs from row to row. A UCP profile counts only when it offers checkout and a way to pay. 29 more websites publish one that does not. This shows what a website publishes for any agent that arrives. It does not show a private arrangement between one company and one AI assistant.

Sector by sector

What an agent finds in each part of finance

The same scan, split by the kind of company. Each row counts only the websites we scanned in that sector.

Sector	Websites scanned	Nothing published for checkout	Turn automated visitors away	An agent can check out	Stop at the web basics	Publish an interface for agents
Banking	387	363	24	0	99.2%	1
Cards and payments	368	341	25	2	98.3%	6
Lending and credit	93	86	7	0	97.8%	0
Investing and wealth	238	220	18	0	99.6%	0
Insurance	97	85	12	0	99.0%	2
Crypto and digital assets	102	97	4	1	93.1%	7
Financial technology and data	571	540	29	2	96.1%	11
Advisers and services	344	315	29	0	98.0%	5
All companies	2,200	2,047	148	5	97.7%	32

“Nothing published for checkout” means we read the website’s files and found no payment or checkout protocol. “Turn automated visitors away” means the website refused our requests for them, as it would refuse an agent arriving by itself. “Stop at the web basics” is the share that get no further than level 1, counted over the websites where at least half the checks could run.

Money20/20 USA

2,029 of 2,034 attendees publish no way for an AI agent to check out

These are the companies in the study that are on the Money20/20 USA 2026 attending companies list, and whose websites we scanned. 1,899 publish nothing an agent could use. 130 turn automated visitors away before one can ask.

“Nothing published” means we read the website’s files and found no payment or checkout protocol. “Turns agents away” means the website refused our requests for them. Neither says anything about a private arrangement between a company and one AI assistant, which a scan of the website cannot see. See how often AI names each of the companies attending Money20/20 USA.

AI readiness, level by level

Which level do companies reach?

Six levels, with the same rules as isitagentready.com: from the web basics to a website an agent can work on by itself. 98% of companies get no further than level 1. 30 turned most of the scan away and are not placed.

0416 companies · 19%

Not yet agent-ready

Agents struggle to find basic information about the site.

11,705 companies · 79%

Basic web presence

Two of robots.txt, a sitemap and Link headers are in place.

227 companies · 1%

Bot-aware

Explicit AI bot rules and declared Content Signals.

38 companies · 0.4%

Agent-readable

Agents can request pages as markdown.

412 companies · 0.6%

Agent-integrated

At least one of an MCP card, A2A card, skills index or API catalog is published.

52 companies · 0.1%

Agent-native

Signed bots, every integration and auth metadata, two of the three.

For your technical team

What an agent finds when it arrives

Every check we ran, and the share of companies that pass it. The first four groups decide the level. The last is about paying and does not count towards it.

Discoverability

robots.txt

86.1%

Sitemap

87.9%

Link headers

1.5%

DNS for AI Discovery

4.3%

Content accessibility

Markdown negotiation

6.2%

llms.txt

31.0%

Bot access control

AI bot rules

92.7%

Content Signals

2.3%

Web Bot Auth

0.3%

APIs, auth and MCP

API Catalog

1.3%

OAuth discovery

6.3%

OAuth Protected Resource

5.3%

auth.md

0.2%

MCP Server Card

0.8%

A2A Agent Card

0.2%

Agent Skills

1.0%

WebMCP

0.0%

ARD manifest

0.2%

Agent payments

x402

0.0%

MPP

0.1%

UCP

1.6%

ACP

0.0%

AP2

0.0%

Who is ready

5 companies publish a way for an AI agent to check out

Each of these publishes a payment or checkout protocol, or offers an agent checkout tools in the browser. Open a company to see what it publishes.

How we measured

What this scan can and cannot tell you

We visited each website the way an AI agent would. First as an automated visitor that says what it is. Where that was refused, from an ordinary US home connection, and then with a real browser. We looked for 23 things an agent can read or use, among them 5 payment protocols.

This shows what a website publishes for any agent that arrives. It does not show private arrangements between one company and one AI assistant. And an agent can still try to click through a website like a person, which is slow and is often blocked.

Read the full method, or go back to the Finance AI Visibility Study 2026.

Can an AI agent pay you?

Agent payment protocols and agent interfaces

What an agent finds in each part of finance

2,029 of 2,034 attendees publish no way for an AI agent to check out

Which level do companies reach?

What an agent finds when it arrives

5 companies publish a way for an AI agent to check out

What this scan can and cannot tell you

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