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

Creditop

creditop.com

Buy now, pay laterCards and payments

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
1,772 of 2,219
its rank by overall score
Place in its category
14th of 15 buy now, pay later providers
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for Creditop

AI assistants do not name this buy now, pay later provider in any of their 60 answers. Its overall score is 25 out of 100, ranking 1,772nd of 2,219 in the study and 280th of 375 in its sector. Its website passes 2 out of 14 technical checks for how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Creditop by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 179th of 375 in its sector. The typical cards and payments company 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
25Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality80
  • AI readiness14
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
2/14
technical checks passed. Typical for its sector: 4
Rank in its sector
280 of 375
by overall score, where the typical cards and payments company scores 27

Get the full report on Creditop as a PDF

Enter your work email to download it.

We’ll use your email to follow up about this report. Privacy policy

Line itemsSection 01

Every question, and where the company came up

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

  1. 01How can a retail business use customer purchase data to improve financing approvals?0/4
  2. 02Is adding customer financing options worth it for independent retail stores?0/4
  3. 03How can I resolve integration issues between my sales system and customer financing solutions?0/4
  4. 04Are there any free options for small businesses to set up customer credit lines?0/4
  5. 05What are typical costs for using a retail financing platform as a merchant?0/4
  6. 06Do integrated financing platforms help retail businesses increase sales?0/4
  7. 07Point-of-sale financing versus buy now, pay later programs—what's the difference for retail stores?0/4
  8. 08How can small businesses set up their own credit line options for shoppers?0/4
  9. 09Other options for small stores that want to provide flexible payment plans to buyers?0/4
  10. 10Business-run credit lines versus third-party financing platforms for retailers—how do they compare?0/4
  11. 11What are some ways retailers can offer financing without a third-party platform?0/4
  12. 12What are the best platforms for small retailers to offer in-store financing to customers?0/4
  13. 13What types of small businesses benefit most from offering multiple financing options to customers?0/4
  14. 14Alternatives to using a centralized platform for managing customer financing in retail?0/4
  15. 15Why aren't my customers being approved for in-store financing through our retail platform?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 Gemini actually said

The company is not named in this answer

Geminidid not name the company

“Is adding customer financing options worth it for independent retail stores?”

Adding customer financing options can be a significant advantage for independent retail stores, but it also comes with potential drawbacks. Carefully weighing these pros and cons is crucial for determining if it's the right move for your business.

Benefits of Offering Customer Financing:

Increased Sales and Average Order Value (AOV): Many customers are hesitant to make large purchases upfront. Financing breaks down the cost into manageable installments, making higher-priced items more accessible and encouraging customers to spend more. Studies have shown customers may spend aro …

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
    Synchrony
    3
  2. 02
    Bread Financial
    1

Share of mentions

CompanyShare
  1. Synchrony
    66.7%
  2. Bread Financial
    22.2%
  3. United Consumer Financial Services (UCFS)
    11.1%
  4. Creditop
    0.0%
  5. Financeit
    0.0%
  6. TimePayment
    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
    quickbooks.intuit.com
    11
  2. 02
    fitsmallbusiness.com
    8
  3. 03
    sensepass.com
    8
  4. 04
    snapfinance.com
    7
  5. 05
    bluevine.com
    6
  6. 06
    chargeafter.com
    4
  7. 07
    withcherry.com
    4
  8. 08
    shopify.com
    4
  9. 09
    f6s.com
    4
  10. 10
    sourceforge.net
    4

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

How Creditop 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
80

How well built the website's own pages are

AI readiness
14

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
25
Ranks 280 of 375. Typical company: 27
Named in answers
0.0%
Ranks 179 of 375. Typical company: 0.0%
AI readiness
14
Ranks 300 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
25
Ranks 14 of 15. Typical company: 37
Named in answers
0.0%
Ranks 13 of 15. Typical company: 16.7%
AI readiness
14
Ranks 15 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.

This website turned most of our scan away, so it has no level. Only 44% of the checks could run. That reflects the website’s rules for automated visitors, and an AI agent arriving by itself meets the same rules.

Can an AI agent check out here?

We could not tell. The website turned away our requests for the files an agent would read. An agent arriving by itself is turned away the same way.

Agent payment protocols
  • x402Not present
  • MPPCould not check
  • AP2Not present
  • ACPCould not check
  • UCPCould not check
Interfaces for AI agents
  • MCP Server CardCould not check
  • A2A Agent CardCould not check
  • Agent SkillsCould not check
  • API CatalogCould not check
  • llms.txtCould not check
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
64 of 100
  • robots.txtPassed

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

    study: 86.1%
  • SitemapCould not check

    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.txtCould not check

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

    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 35 of 100 · 44% of checks could run · checked on October 9, 2026 · creditop.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

2 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%
  • Not metXML sitemapstudy: 79.4%
  • Not metHTTP 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%
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

  • GPTBotallowed
  • ClaudeBotallowed
  • Anthropic-AIallowed
  • Google-Extendedallowed
  • Applebot-Extendedallowed
  • Meta-ExternalAgentallowed
  • FacebookBotallowed
  • Bytespiderallowed
  • CCBotallowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBotallowed
  • Claude-SearchBotallowed
  • PerplexityBotallowed
  • Applebotallowed
  • Amazonbotallowed
  • YouBotallowed

Answering questions

  • ChatGPT-Userallowed
  • Claude-Userallowed
  • Perplexity-Userallowed
  • DuckAssistBotallowed
  • MistralAI-Userallowed

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.

Take it with you

Get the full report on Creditop as a PDF

Every number on this page in a PDF you can keep and share with your team. Enter your work email to download it.

We’ll use your email to follow up about this report. Privacy policy

End of statement
All 2,219 companiesHow we measured this
Next step

Want AI assistants to name your company?

Book a 30-minute demo to see Rezolve Ai in action and what it can do for your business.

Request a demo