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

Credit Key

creditkey.com

Buy now, pay laterCards and payments

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
634 of 2,219
its rank by overall score
Place in its category
9th of 15 buy now, pay later providers
Closing balance

Named in

4of 60 answers

by 2 of 4 assistants

Statement note

What this means for Credit Key

AI assistants name Credit Key in 6.7% of answers, while the typical company in its sector is named in 0% of answers. Credit Key's overall score is 35 out of 100, ranking 634th of 2,219 in the study. Its website passes 3 out of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Credit Key by name. AI assistants named it in 4 of the 60 answers. Counting only how often it is named, it ranks 90th of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
35Overall score
  • Visibility11
  • Citations3
  • Sentiment88
  • Site quality73
  • AI readiness21
Summary of account
Named by AI in
6.7%
4 of 60 answers
Share of mentions
21.1%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 4
Rank in its sector
88 of 375
by overall score, where the typical cards and payments company scores 27

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Line itemsSection 01

Every question, and where the company came up

Credit Key came up on 3 of 15 questions. Open any window to read that answer.

  1. 01What are the best B2B buy now pay later platforms for US-based merchants?2/4
  2. 02How do B2B pay-over-time solutions help businesses increase order size?0/4
  3. 03What are the differences between B2B BNPL and business credit cards for merchant payments?0/4
  4. 04What should I consider before offering buy now pay later at checkout for B2B customers?1/4
  5. 05What fees should a merchant expect when using B2B buy now pay later payment platforms?0/4
  6. 06Is there usually a monthly minimum volume required for B2B BNPL services in the US?0/4
  7. 07Which B2B payment solutions help streamline cash flow for business transactions?0/4
  8. 08What kinds of US businesses benefit most from offering BNPL at checkout for business buyers?0/4
  9. 09Are there flexible invoice financing options for B2B merchants aside from BNPL?0/4
  10. 10What are alternatives to B2B buy now pay later for flexible business payments?0/4
  11. 11Why might a business customer get declined for a B2B buy now pay later payment option?0/4
  12. 12How can a merchant address delayed payment settlements when using a B2B buy now pay later solution?0/4
  13. 13How can a business offer net terms without using buy now pay later platforms?0/4
  14. 14Are B2B buy now pay later services worth it for small business merchants?0/4
  15. 15How does B2B buy now pay later compare to traditional invoice terms for wholesale orders?1/4
Total namedOpenAI: 0/15Claude: 3/15Perplexity: 1/15Gemini: 0/15All assistants: 4/60
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 Perplexity actually said

An answer that names the company

Perplexitynamed the company

“What are the best B2B buy now pay later platforms for US-based merchants?”

For US-based B2B merchants, the strongest shortlist is Resolve, TreviPay, Balance, CreditKey, and Klarna/Affirm when the buyer experience is closer to consumer checkout. The best choice depends mainly on order size, customer credit requirements, sales channel, and whether the merchant wants non-recourse payment protection or simply installment checkout.

Platform · Best for · Key strengths · Main caveat

Resolve · SMB and mid-market B2B suppliers · Net terms, credit decisions, collections and AR automation; currently focused on US-based B2B su …

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.

Also named

CompanyTimes named
  1. 01
    Resolve
    12
  2. 02
    TreviPay
    5
  3. 03
    Apruve
    1
  4. 04
    Fundbox
    1

Share of mentions

CompanyShare
  1. Resolve
    42.1%
  2. TreviPay
    26.3%
  3. Credit Key
    21.1%
  4. Apruve
    5.3%
  5. Fundbox
    5.3%
  6. BlueTape
    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
    resolvepay.com
    40
  2. 02
    allianz-trade.com
    19
  3. 03
    blog.creditkey.com
    13
  4. 04
    shopify.com
    9
  5. 05
    order.co
    9
  6. 06
    beancount.io
    8
  7. 07
    stripe.com
    8
  8. 08
    adlittle.com
    8
  9. 09
    uschamber.com
    7
  10. 10
    ecapital.com
    7

Credit Key is in the study as a buy now, pay later provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Claude
3/15
Perplexity
1/15
Gemini
0/15
OpenAI
0/15
Market comparisonSection 06

How Credit Key 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
11

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

Citations
3

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

Sentiment
88

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
21

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 cards and payments companies

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

Overall score
35
Ranks 88 of 375. Typical company: 27
Named in answers
6.7%
Ranks 90 of 375. Typical company: 0.0%
AI readiness
21
Ranks 216 of 375. Typical company: 29
Against its categorySection 08

Compared with buy now, pay later providers

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

Overall score
35
Ranks 9 of 15. Typical company: 37
Named in answers
6.7%
Ranks 9 of 15. Typical company: 16.7%
AI readiness
21
Ranks 9 of 15. 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 0: Not yet agent-ready. Agents struggle to find basic information about the site.

To reach level 1:
  • 2 of robots.txt, Sitemap, Link headers
Can an AI agent check out here?

Not by itself. Credit Key publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
31 of 100
  • robots.txtNot met

    Publish a valid robots.txt with crawl rules and a Sitemap line.

    study: 86.1%
  • SitemapPartly met

    Serve an XML sitemap and reference it 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
0 of 100
  • Markdown negotiationNot met

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

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
0 of 100
  • AI bot rulesNot 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 AuthNot present

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

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

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

    study: 1.3%
  • OAuth discoveryNot met

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

    study: 6.3%
  • OAuth Protected ResourceNot met

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

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

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

    study: 0.8%
  • A2A Agent CardNot met

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

    study: 0.2%
  • Agent SkillsNot met

    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 manifestNot met

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

    study: 0.2%

Score 7 of 100 · 97% of checks could run · checked on October 9, 2026 · www.creditkey.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

3 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

  • Not metrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • PassedHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.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%
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ShareSection 11

Share this result

Overall score 35 of 100 badge for Credit Key

A badge of this result that you can show on your own website. Copy the code below.

<a href="https://aeo-audit.rezolve.com/us/finance/creditkey.com"><img src="https://aeo-audit.rezolve.com/finance/badges/creditkey.com.svg" alt="Overall score 35 of 100, Finance AI Visibility Study 2026" width="280" height="64"></a>
End of statement
All 2,219 companiesHow we measured this
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