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

Klarna

klarna.com

Buy now, pay laterCards and payments

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
377 of 2,219
its rank by overall score
Place in its category
7th of 15 buy now, pay later providers
Closing balance

Named in

24of 60 answers

by 4 of 4 assistants

Statement note

What this means for Klarna

AI assistants name Klarna in 40% of answers, much more often than the typical company in its sector, which scores 0%. Its overall score is 38 out of 100, ranking 377th of 2,219 companies. Klarna's website passes 5 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Klarna by name. AI assistants named it in 24 of the 60 answers. Counting only how often it is named, it ranks 13th of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
38Overall score
  • Visibility33
  • Citations1
  • Sentiment62
  • Site quality67
  • AI readiness36
Summary of account
Named by AI in
40.0%
24 of 60 answers
Share of mentions
23.8%
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
59 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

Klarna came up on 10 of 15 questions. Open any window to read that answer.

  1. 01Why aren’t my customers seeing all the flexible payment options at checkout?2/4
  2. 02What are some non-credit-based options for flexible checkout in retail?3/4
  3. 03Alternatives to in-house financing for retailers wanting to offer flexible customer payments4/4
  4. 04How can flexible payment choices help attract a younger demographic to my online store?3/4
  5. 05What other solutions can boost conversions besides adding pay-over-time options at checkout?0/4
  6. 06Is it worth adding flexible checkout options to increase conversion rates?2/4
  7. 07How can retailers offer multiple payment options to boost customer retention?1/4
  8. 08What are the typical fees associated with integrating flexible payment services for businesses?0/4
  9. 09Are there cost differences between pay-in-four and pay-in-thirty-days business solutions?3/4
  10. 10What are the most effective flexible payment solutions for e-commerce businesses in the US?3/4
  11. 11Installment payment services vs deferred billing: which is better for small online shops?0/4
  12. 12Do flexible payment plans actually drive repeat purchases for retailers?1/4
  13. 13How do in-store buy now, pay later options compare with online flexible payment models?2/4
  14. 14Best practices for using installment payment solutions to reduce cart abandonment0/4
  15. 15What are common integration issues with flexible payment platforms for e-commerce?0/4
Total namedOpenAI: 7/15Claude: 5/15Perplexity: 5/15Gemini: 7/15All assistants: 24/60
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

“Alternatives to in-house financing for retailers wanting to offer flexible customer payments”

Retailers can offer flexible payments without lending from their own balance sheet by partnering with third-party providers. The main alternatives are:

Buy now, pay later (BNPL): Providers such as Klarna, Afterpay, PayPal Pay Later, and Sezzle let customers split purchases into short-term installments, often with promotional interest-free plans.

Point-of-sale installment loans: Lenders approve customers at checkout and offer fixed monthly payments over longer periods—useful for higher-ticket purchases.

Private-label or co-branded credit cards: A bank or card issu …

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
    Afterpay
    21
  2. 02
    Affirm
    18
  3. 03
    Sezzle
    8

Share of mentions

CompanyShare
  1. PayPal Pay Later
    30.7%
  2. Klarna
    23.8%
  3. Afterpay
    18.8%
  4. Affirm
    16.8%
  5. Sezzle
    6.9%
  6. Zip (formerly Quadpay)
    3.0%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    shopify.com
    20
  2. 02
    paypal.com
    17
  3. 03
    stripe.com
    17
  4. 04
    acima.com
    7
  5. 05
    wise.com
    6
  6. 06
    gocardless.com
    6
  7. 07
    checkout.com
    5
  8. 08
    klarna.com (its own website)
    5
  9. 09
    jotform.com
    4
  10. 10
    zigpoll.com
    4

Klarna 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

Gemini
7/15
OpenAI
7/15
Perplexity
5/15
Claude
5/15
Market comparisonSection 06

How Klarna 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
33

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

Citations
1

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

Sentiment
62

How positively AI describes the company

Site quality
67

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 cards and payments companies

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

Overall score
38
Ranks 59 of 375. Typical company: 27
Named in answers
40.0%
Ranks 13 of 375. Typical company: 0.0%
AI readiness
36
Ranks 41 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
38
Ranks 7 of 15. Typical company: 37
Named in answers
40.0%
Ranks 3 of 15. Typical company: 16.7%
AI readiness
36
Ranks 3 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 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. Klarna 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.txtPublished
  • WebMCPCould not check
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 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 36 of 100 · 97% of checks could run · checked on October 9, 2026 · www.klarna.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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ShareSection 12

Share this result

Overall score 38 of 100 badge for Klarna

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/klarna.com"><img src="https://aeo-audit.rezolve.com/finance/badges/klarna.com.svg" alt="Overall score 38 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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