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

PagoPACE

pagopace.com

Buy now, pay laterCards and payments

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
845 of 2,219
its rank by overall score
Place in its category
11th of 15 buy now, pay later providers
Closing balance

Named in

1of 60 answers

by 1 of 4 assistants

Statement note

What this means for PagoPACE

AI assistants rarely name this buy now, pay later provider, mentioning it in 1 of 60 answers. In that answer, they also name McLEAR. The company has an overall score of 31 out of 100, ranking 845th of 2,219 companies. Its website passes 9 of 14 technical checks measuring how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned PagoPACE by name. AI assistants named it in 1 of the 60 answers. Counting only how often it is named, it ranks 133rd 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
31Overall score
  • Visibility4
  • Citations0
  • Sentiment50
  • Site quality80
  • AI readiness64
Summary of account
Named by AI in
1.7%
1 of 60 answers
Share of mentions
12.5%
of the mentions of it and its 5 peers
AI readiness
9/14
technical checks passed. Typical for its sector: 4
Rank in its sector
117 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

PagoPACE came up on 1 of 15 questions. Open any window to read that answer.

  1. 01Which contactless wearables offer the most secure payment experience?0/4
  2. 02How do payment rings work without needing a battery or phone connection?0/4
  3. 03What should I do if my contactless payment ring isn’t working at checkout?0/4
  4. 04Can I use a contactless payment ring for public transit fares in the US?0/4
  5. 05Do contactless payment rings justify their price for frequent travelers?0/4
  6. 06How are payment smart rings used in gyms or fitness centers?0/4
  7. 07How do smart payment rings compare to contactless key fobs for making payments?0/4
  8. 08Payment smart ring vs contactless card: which is safer and more convenient?0/4
  9. 09What’s the typical price range for contactless payment rings in the US?1/4
  10. 10What are the best contactless payment rings for everyday use?0/4
  11. 11Why might a payment wearable sometimes fail to connect with a payment terminal?0/4
  12. 12Best options for contactless payments if you don’t want to use a wearable device0/4
  13. 13Is it worth switching to a smart payment ring for contactless payments?0/4
  14. 14Are there any monthly or hidden fees with smart payment rings?0/4
  15. 15What are some alternatives to using a smart payment ring for tap-and-go purchases?0/4
Total namedOpenAI: 1/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 1/60
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 OpenAI actually said

An answer that names the company

OpenAInamed the company

“What’s the typical price range for contactless payment rings in the US?”

… Branded / certified payment rings (bank/visa/mastercard-backed, ceramic/titanium materials, better warranty/support): ~$100–$200. Examples like PAGO and other dedicated payment-ring offerings are commonly in the $100–$150 range. (us.pagopace.com)

Notes and tips

“Price” alone doesn’t guarantee you can use the ring for everyday card payments in the U.S. — check whether the ring is explicitly supported/partnered with Visa/Mastercard or your bank, and whether it supports tokenization for U.S. terminals. (electronics.alibaba.com …

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
    McLEAR
    1

Share of mentions

CompanyShare
  1. McLEAR
    50.0%
  2. cnick
    25.0%
  3. PagoPACE
    12.5%
  4. RingPay by K Wearables
    12.5%
  5. LAKS Pay
    0.0%
  6. Tappy Technologies
    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
    alibaba.com
    28
  2. 02
    electronics.alibaba.com
    13
  3. 03
    smartbuy.alibaba.com
    8
  4. 04
    astariwearables.com
    8
  5. 05
    wisecardglobal.com
    6
  6. 06
    vertu.com
    6
  7. 07
    ringpay.com
    6
  8. 08
    freedom251.com
    5
  9. 09
    fuhrmannmanagement.com
    4
  10. 10
    misec.net
    4

PagoPACE 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

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

How PagoPACE 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
4

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
64

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
31
Ranks 117 of 375. Typical company: 27
Named in answers
1.7%
Ranks 133 of 375. Typical company: 0.0%
AI readiness
64
Ranks 3 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
31
Ranks 11 of 15. Typical company: 37
Named in answers
1.7%
Ranks 11 of 15. Typical company: 16.7%
AI readiness
64
Ranks 1 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?

Yes. PagoPACE publishes UCP, which an AI agent can pay or check out through.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPPublished
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtPublished
  • WebMCPCould not check

The page also offers an agent tools inside the browser: add to cart, update cart lines, proceed to checkout.

The website runs on Shopify.

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
20 of 100
  • API CatalogNot met

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

    study: 1.3%
  • OAuth discoveryPassed

    OpenID Connect or OAuth metadata agents can use to sign in.

    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 43 of 100 · 97% of checks could run · checked on October 9, 2026 · www.pagopace.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

9 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

  • PassedMarkdown 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%
  • PassedOAuth Authorization Server discoverystudy: 5.2%
  • PassedOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • PassedWebMCP 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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End of statement
All 2,219 companiesHow we measured this
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