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

Melio Payments

melio.com

Business payments and spend managementCards and payments

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
455 of 2,219
its rank by overall score
Place in its category
7th of 30 business payments providers
Closing balance

Named in

13of 60 answers

by 4 of 4 assistants

Statement note

What this means for Melio Payments

AI assistants name Melio Payments in 21.7% of answers, which is more often than the typical company in its sector at 0%. Its overall score is 37 out of 100, ranking 455th of 2,219 companies. The Melio Payments website passes 8 out of 14 technical checks for readiness with AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Melio Payments by name. AI assistants named it in 13 of the 60 answers. Counting only how often it is named, it ranks 32nd of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
37Overall score
  • Visibility23
  • Citations1
  • Sentiment50
  • Site quality80
  • AI readiness57
Summary of account
Named by AI in
21.7%
13 of 60 answers
Share of mentions
28.9%
of the mentions of it and its 5 peers
AI readiness
8/14
technical checks passed. Typical for its sector: 4
Rank in its sector
68 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

Melio Payments came up on 4 of 15 questions. Open any window to read that answer.

  1. 01Is B2B accounts payable software worth it for a small business with only a few monthly invoices?0/4
  2. 02Accounts payable automation vs. manual invoice management: which is more effective for SMBs?0/4
  3. 03How can businesses decide if AP/AR automation platforms are a good investment?0/4
  4. 04What alternatives exist to dedicated bill pay software for managing small business vendor payments?3/4
  5. 05How does cloud-based AP/AR software compare to traditional manual bill payment methods?0/4
  6. 06What are the differences between dedicated B2B bill pay platforms and all-in-one accounting software?0/4
  7. 07Which B2B bill payment platforms help automate AP and AR for accounting firms?2/4
  8. 08How can a professional services firm streamline vendor payments with B2B AP software?0/4
  9. 09Are bill payment solutions for businesses secure for handling sensitive financial data?0/4
  10. 10What are some typical workflows for small businesses using accounts receivable automation tools?0/4
  11. 11What features should I look for in a business bill pay solution for managing cash flow?0/4
  12. 12What are the best accounts payable and receivable software options for small businesses?4/4
  13. 13How much do typical B2B accounts payable platforms cost for small businesses in the US?4/4
  14. 14How can I resolve errors syncing invoices between AP software and my accounting system?0/4
  15. 15What should I do if payments are delayed when using online bill payment software?0/4
Total namedOpenAI: 3/15Claude: 3/15Perplexity: 3/15Gemini: 4/15All assistants: 13/60
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 accounts payable and receivable software options for small businesses?”

For most U.S. small businesses, the strongest choices are QuickBooks Online, Xero, BILL, Melio, and Ramp. The best fit depends on whether you need full bookkeeping, simple bill payment, automated collections, or stronger approval controls.

Software · Best for · AP features · AR features

QuickBooks Online · Businesses wanting accounting plus basic AP/AR · Bills, scheduled payments, receipt capture, vendor tracking · Invoicing, reminders, payment collection, aging reports

Xero · Businesses wanting flexible cloud accounting · Bill entry, ap …

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
    Ramp
    14
  2. 02
    Bill.com
    12
  3. 03
    Stampli
    8

Share of mentions

CompanyShare
  1. Bill.com
    37.8%
  2. Melio Payments
    28.9%
  3. Ramp
    17.8%
  4. Stampli
    15.6%
  5. Plastiq
    0.0%
  6. QuickBooks Online Bill Pay (Intuit)
    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
    bill.com
    42
  2. 02
    ramp.com
    23
  3. 03
    tipalti.com
    11
  4. 04
    highradius.com
    10
  5. 05
    netsuite.com
    9
  6. 06
    stampli.com
    9
  7. 07
    wise.com
    8
  8. 08
    usbank.com
    7
  9. 09
    brex.com
    7
  10. 10
    avidxchange.com
    7

Melio Payments is in the study as a business payments provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
4/15
Perplexity
3/15
Claude
3/15
OpenAI
3/15
Market comparisonSection 06

How Melio 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
23

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
50

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
57

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
37
Ranks 68 of 375. Typical company: 27
Named in answers
21.7%
Ranks 32 of 375. Typical company: 0.0%
AI readiness
57
Ranks 4 of 375. Typical company: 29
Against its categorySection 08

Compared with business payments providers

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

Overall score
37
Ranks 7 of 30. Typical company: 29
Named in answers
21.7%
Ranks 5 of 30. Typical company: 1.7%
AI readiness
57
Ranks 1 of 30. 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. Melio Payments 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
63 of 100
  • AI bot rulesPassed

    Explicit robots.txt rules for AI crawlers such as GPTBot, ClaudeBot and PerplexityBot.

    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
18 of 100
  • API CatalogNot met

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

    study: 1.3%
  • OAuth discoveryPartly met

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

    study: 6.3%
  • OAuth Protected ResourcePassed

    Metadata telling agents which authorization server to use.

    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 49 of 100 · 97% of checks could run · checked on October 9, 2026 · melio.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

8 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

  • PassedExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • PassedOAuth Authorization Server discoverystudy: 5.2%
  • PassedOAuth 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 rules for 9 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*allowed
  • ClaudeBot*allowed
  • Anthropic-AIpartly
  • Google-Extended*allowed
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBot*allowed
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBot*allowed
  • Claude-SearchBotpartly
  • PerplexityBot*allowed
  • Applebot*allowed
  • Amazonbotpartly
  • YouBot*allowed

Answering questions

  • ChatGPT-User*allowed
  • 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 37 of 100 badge for Melio Payments

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/melio.com"><img src="https://aeo-audit.rezolve.com/finance/badges/melio.com.svg" alt="Overall score 37 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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