Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

CLAY Payments

claypayments.com

Consultancies and professional servicesAdvisers and services

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
1,527 of 2,219
its rank by overall score
Place in its category
101st of 177 consultancies
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for CLAY Payments

AI assistants do not name this consultancy in any of their 60 answers, while CardFellow appears instead. Its overall score is 26 out of 100, ranking 1,527th of 2,219 companies. The website passes 5 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned CLAY Payments by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 149th of 346 in its sector. The typical advisory or services firm is named in 0.0% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
26Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality73
  • AI readiness36
Summary of account
Named by AI in
0.0%
0 of 60 answers
Share of mentions
0.0%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 4
Rank in its sector
204 of 346
by overall score, where the typical advisory or services firm scores 27

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Line itemsSection 01

Every question, and where the company came up

CLAY Payments came up on 0 of 15 questions. Open any window to read that answer.

  1. 01How do payment processing negotiation services compare to switching payment processors directly?0/4
  2. 02Alternatives to using a negotiation service for lowering payment processing costs0/4
  3. 03What types of businesses gain the most from reviewing and optimizing their payment processing contracts?0/4
  4. 04Is using a payment processing negotiation service worth it for a business with less than $1 million in annual revenue?0/4
  5. 05How are payment processing negotiation services typically priced for small businesses?0/4
  6. 06How can restaurants benefit from payment processing negotiation services?0/4
  7. 07How can small retailers find expert help to analyze and reduce payment processing expenses?0/4
  8. 08Do payment processing negotiation advisors actually help businesses keep more earnings?0/4
  9. 09What are the best services to help small businesses negotiate lower payment processing fees?0/4
  10. 10How to get a free analysis of your payment processing statement in the US?0/4
  11. 11Common mistakes when submitting merchant statements for fee analysis?0/4
  12. 12Do consultants who review merchant statements usually charge upfront or take a percentage of savings?0/4
  13. 13Payment processing consultant vs in-house negotiation: which saves more on transaction fees?0/4
  14. 14What options do businesses have besides hiring a consultant to optimize payment fees?0/4
  15. 15Why aren’t my payment processing fees going down even after renegotiating with my provider?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 0/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What OpenAI actually said

The company is not named in this answer

OpenAIdid not name the company

“How can small retailers find expert help to analyze and reduce payment processing expenses?”

Short answer

Use a payments consultant or independent merchant-services broker, a reputable comparison marketplace, or a trusted advisor (CPA, POS vendor, SBDC) to do a statement audit and negotiate or redesign your setup. Good places to find experts: CardFellow and similar marketplaces, the Electronic Transactions Association (industry directory/resources), your bank or POS provider, and local small‑business support centers. (cardfellow.com)

Step‑by‑step practical approach

1) Collect the right paperwork first

Monthly processing statements …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Named instead

CompanyTimes named
  1. 01
    CardFellow
    1

Share of mentions

CompanyShare
  1. SwipeSum
    50.0%
  2. CardFellow
    50.0%
  3. CLAY Payments
    0.0%
  4. Merchant Cost Consulting
    0.0%
  5. The Strawhecker Group (TSG Fee Navigator)
    0.0%
  6. Fee Navigator
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    bams.com
    9
  2. 02
    swipesum.com
    7
  3. 03
    forbes.com
    6
  4. 04
    merchantcostconsulting.com
    5
  5. 05
    uschamber.com
    4
  6. 06
    profitabilitypartners.io
    4
  7. 07
    mypayadvisor.com
    4
  8. 08
    ratesnegotiator.com
    4
  9. 09
    merchantsolutionscorp.com
    4
  10. 10
    corefy.com
    4

CLAY Payments is in the study as a consultancy.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Claude
0/15
Gemini
0/15
OpenAI
0/15
Perplexity
0/15
Market comparisonSection 06

How CLAY Payments compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
0

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
36

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with advisory and services firms

346 companies in this sector. The gold tick on each bar is the typical company.

Overall score
26
Ranks 204 of 346. Typical company: 27
Named in answers
0.0%
Ranks 149 of 346. Typical company: 0.0%
AI readiness
36
Ranks 38 of 346. Typical company: 29
Against its categorySection 08

Compared with consultancies

177 companies in this category. The gold tick on each bar is the typical company.

Overall score
26
Ranks 97 of 177. Typical company: 27
Named in answers
0.0%
Ranks 62 of 177. Typical company: 0.0%
AI readiness
36
Ranks 15 of 177. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. CLAY Payments publishes a UCP profile with checkout, but the profile lists no way to pay. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPCould not check
  • AP2Not present
  • ACPCould not check
  • UCPPublished
Interfaces for AI agents
  • MCP Server CardCould not check
  • A2A Agent CardCould not check
  • Agent SkillsCould not check
  • API CatalogCould not check
  • llms.txtPublished
  • WebMCPCould not check

The website runs on Wix.

Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
50 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthCould not check

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
  • API CatalogCould not check

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryCould not check

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceCould not check

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdCould not check

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardCould not check

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardCould not check

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsCould not check

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestCould not check

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 54 of 100 · 63% of checks could run · checked on October 9, 2026 · www.claypayments.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

5 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • PassedHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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End of statement
All 2,219 companiesHow we measured this
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