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.

Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder
Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
2,115 of 2,219
its rank by overall score
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for Harbour and Hills

AI assistants do not name this cross-border payments provider in any of the 60 answers studied, while Airwallex, Payoneer, and OFX are among those named. Its overall score is 22 out of 100, ranking 2,115th of 2,219 companies, compared to 27 for the typical company in its sector. Its website passes 1 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Harbour and Hills 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
22Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality67
  • AI readiness7
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
1/14
technical checks passed. Typical for its sector: 4
Rank in its sector
340 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

Harbour and Hills came up on 0 of 15 questions. Open any window to read that answer.

  1. 01Why are my international business payments being delayed or rejected?0/4
  2. 02How can businesses in the US efficiently pay contractors in Asia and Europe?0/4
  3. 03International payment platforms vs. traditional banks for managing global business payments0/4
  4. 04What are the most secure cross-border payment solutions for US businesses trading internationally?0/4
  5. 05What’s the best solution for recurring supplier payments across multiple countries?0/4
  6. 06How are foreign exchange and transaction fees typically structured for cross-border B2B payments?0/4
  7. 07What affects the cost of international business transfers for US-based companies?0/4
  8. 08How do cross-border wire transfers compare to global ACH solutions for business payments?0/4
  9. 09What are alternatives to using banks for cross-border business payments?0/4
  10. 10How can US companies prevent compliance issues with overseas payments?0/4
  11. 11Is it necessary to use a specialized provider for international invoice payments?0/4
  12. 12Best options for streamlining international business transactions from the US0/4
  13. 13Are premium cross-border payment platforms worth the higher fees for small business use?0/4
  14. 14Low-cost substitutes for traditional international wire services for business use0/4
  15. 15What options exist for businesses needing compliant cross-border payment processing without a bank account?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 Claude actually said

The company is not named in this answer

Claudedid not name the company

“How can businesses in the US efficiently pay contractors in Asia and Europe?”

I'll search for current information on how US businesses can pay contractors internationally.Based on current information, here are the most efficient ways for US businesses to pay contractors in Asia and Europe:

Payment Methods

The six main methods are international wire transfers, Wise, PayPal, Payoneer, payroll platforms like Deel, and cash services like Western Union.

For Different Situations:

Small businesses that pay a few contractors will like Wise or Payoneer.

International wire transfers are best for large, infrequent payments over $3,000, as the fixed fee becomes a smal …

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
    Airwallex
    18
  2. 02
    Payoneer
    12
  3. 03
    OFX
    5

Share of mentions

CompanyShare
  1. Airwallex
    35.3%
  2. Wise Business (formerly TransferWise for Business)
    30.9%
  3. Payoneer
    25.0%
  4. OFX
    8.8%
  5. Harbour and Hills
    0.0%
  6. Western Union Business Solutions (now Convera)
    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
    airwallex.com
    29
  2. 02
    wise.com
    28
  3. 03
    xtransfer.com
    14
  4. 04
    tipalti.com
    12
  5. 05
    ramp.com
    8
  6. 06
    worldfirst.com
    8
  7. 07
    ofx.com
    6
  8. 08
    usbank.com
    6
  9. 09
    stripe.com
    6
  10. 10
    bvnk.com
    5

Harbour and Hills is in the study as a cross-border payments 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 Harbour and Hills 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
67

How well built the website's own pages are

AI readiness
7

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
22
Ranks 340 of 375. Typical company: 27
Named in answers
0.0%
Ranks 179 of 375. Typical company: 0.0%
AI readiness
7
Ranks 333 of 375. Typical company: 29
Against its categorySection 08

Compared with cross-border payments providers

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

Overall score
22
Ranks 78 of 84. Typical company: 27
Named in answers
0.0%
Ranks 33 of 84. Typical company: 0.0%
AI readiness
7
Ranks 76 of 84. 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?

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
  • MPPNot present
  • 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.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
0 of 100
  • robots.txtNot met

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

    study: 86.1%
  • SitemapNot 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 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
0 of 100
  • 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.mdNot met

    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 0 of 100 · 65% of checks could run · checked on October 9, 2026 · www.harbourandhills.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

1 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%
  • 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%
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