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

Payactiv

payactiv.com

Personal finance and money appsBanking

Money20/20 attendee

Statement period
October 9 and 10, 2026
when the AI assistants were asked
Account no.
401 of 2,219
its rank by overall score
Place in its category
9th of 30 personal finance apps
Closing balance

Named in

7of 60 answers

by 4 of 4 assistants

Statement note

What this means for Payactiv

AI assistants name Payactiv in 11.7% of answers, while the typical company in its sector is not named in any answers. Its overall score is 38 out of 100, ranking 401st of 2,219 companies. The Payactiv website passes 5 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Payactiv by name. AI assistants named it in 7 of the 60 answers. Counting only how often it is named, it ranks 69th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Overall score
38Overall score
  • Visibility18
  • Citations1
  • Sentiment79
  • Site quality80
  • AI readiness36
Summary of account
Named by AI in
11.7%
7 of 60 answers
Share of mentions
35.0%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 3
Rank in its sector
60 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

Payactiv came up on 3 of 15 questions. Open any window to read that answer.

  1. 01Why might employees have trouble accessing earned wages through a financial wellness platform?0/4
  2. 02Earned wage access vs. traditional payday advance services—what's the difference?0/4
  3. 03What fees do employees usually pay for instant wage access services?1/4
  4. 04What are the best employee financial wellness platforms for hourly workers?4/4
  5. 05How much do employee financial wellness programs typically cost for employers?0/4
  6. 06Non-app options for helping employees manage financial emergencies0/4
  7. 07Best practices for implementing a financial wellness benefit at work0/4
  8. 08Is an employee financial wellness platform worth it for small businesses?0/4
  9. 09Common issues when setting up payroll integration with earned wage access platforms0/4
  10. 10How do holistic financial wellness platforms compare to standalone early wage access apps?2/4
  11. 11What types of financial education tools are typically included in employee wellness platforms?0/4
  12. 12How can employers use financial wellness programs to support employees during unexpected expenses?0/4
  13. 13Top features to look for in an earned wage access program for US businesses0/4
  14. 14Alternatives to earned wage access for supporting employee financial health0/4
  15. 15Does offering access to earned wages improve employee retention rates?0/4
Total namedOpenAI: 1/15Claude: 3/15Perplexity: 1/15Gemini: 2/15All assistants: 7/60
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

An answer that names the company

Claudenamed the company

“How do holistic financial wellness platforms compare to standalone early wage access apps?”

Based on current information, here's how these two approaches differ:

Scope and Functionality

Holistic financial wellness platforms like Payactiv pair earned wage access with a broad financial wellness toolkit, making them a strong fit for employers who want more than just early pay. Beyond wage access, employees get budgeting, savings, discounts, and financial counseling in one app.

In contrast, earned wage access alone does not provide holistic budgeting, education, or coaching. Standalone EWA apps focus primarily on allowing employees to access part of their paycheck before payday, us …

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
    DailyPay
    7
  2. 02
    Branch
    2
  3. 03
    Rain
    1
  4. 04
    Instant Financial
    1

Share of mentions

CompanyShare
  1. Payactiv
    35.0%
  2. DailyPay
    35.0%
  3. Branch
    15.0%
  4. Instant Financial
    10.0%
  5. Rain
    5.0%
  6. FlexWage
    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
    enterprise.chime.com
    18
  2. 02
    tapcheck.com
    15
  3. 03
    dailypay.com
    12
  4. 04
    instant.co
    11
  5. 05
    yourmoneyline.com
    8
  6. 06
    peoplemanagingpeople.com
    8
  7. 07
    selectsoftwarereviews.com
    8
  8. 08
    shrm.org
    6
  9. 09
    wellable.co
    6
  10. 10
    adp.com
    6

Payactiv is in the study as a personal finance app.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Claude
3/15
Gemini
2/15
OpenAI
1/15
Perplexity
1/15
Market comparisonSection 06

How Payactiv 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
18

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
79

How positively AI describes the company

Site quality
80

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 banking companies

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

Overall score
38
Ranks 60 of 394. Typical company: 28
Named in answers
11.7%
Ranks 69 of 394. Typical company: 0.0%
AI readiness
36
Ranks 29 of 394. Typical company: 29
Against its categorySection 08

Compared with personal finance apps

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

Overall score
38
Ranks 7 of 30. Typical company: 29
Named in answers
11.7%
Ranks 12 of 30. Typical company: 4.2%
AI readiness
36
Ranks 3 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. Payactiv 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

The website runs on WooCommerce.

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 · payactiv.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 Payactiv

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/payactiv.com"><img src="https://aeo-audit.rezolve.com/finance/badges/payactiv.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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