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

Sunbit

sunbit.com

Buy now, pay laterCards and payments

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
229 of 2,219
its rank by overall score
Place in its category
4th of 15 buy now, pay later providers
Closing balance

Named in

12of 60 answers

by 4 of 4 assistants

Statement note

What this means for Sunbit

AI assistants name this buy now, pay later provider in 20% of answers, much more often than the typical company in its sector. Its overall score is 40 out of 100, ranking 229th of 2,219. Its website passes 4 of 14 technical checks for how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned Sunbit by name. AI assistants named it in 12 of the 60 answers. Counting only how often it is named, it ranks 34th of 375 in its sector. The typical cards and payments company is named in 0.0% of answers.

Overall score
40Overall score
  • Visibility20
  • Citations2
  • Sentiment73
  • Site quality93
  • AI readiness29
Summary of account
Named by AI in
20.0%
12 of 60 answers
Share of mentions
22.6%
of the mentions of it and its 5 peers
AI readiness
4/14
technical checks passed. Typical for its sector: 4
Rank in its sector
42 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

Sunbit came up on 7 of 15 questions. Open any window to read that answer.

  1. 01Are pay-over-time options available for both elective and essential medical services?0/4
  2. 02Why was my pay-over-time application for auto repairs not approved?0/4
  3. 03Retail installment loans vs. buy now pay later options for auto repairs1/4
  4. 04How does point-of-sale financing compare to traditional credit cards for healthcare expenses?0/4
  5. 05Alternatives to retail credit cards for financing routine healthcare costs0/4
  6. 06Are there any no-interest pay-over-time plans for veterinary care financing?1/4
  7. 07Best options besides buy now pay later for managing vision care expenses1/4
  8. 08Can you use point-of-sale financing for emergency healthcare needs?0/4
  9. 09Best ways to finance unexpected veterinary bills with flexible payment options1/4
  10. 10Where can I find merchants offering pay-over-time payment options for essential services?2/4
  11. 11Does using a point-of-sale financing option impact your credit score?0/4
  12. 12What are the best pay-over-time solutions for dental care in the US?4/4
  13. 13Is applying for a pay-over-time platform worth it for routine optical services?2/4
  14. 14Typical interest rates for retail credit cards offered at the point of service0/4
  15. 15What should I do if my financing application for dental services gets declined?0/4
Total namedOpenAI: 1/15Claude: 5/15Perplexity: 3/15Gemini: 3/15All assistants: 12/60
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

“Best ways to finance unexpected veterinary bills with flexible payment options”

The most flexible approach is to ask the veterinary clinic first, then compare financing costs before accepting treatment. Many clinics offer in-house installments or partner with services such as Scratchpay, Cherry, Sunbit, VetBilling, or Varidi; availability and repayment terms vary by clinic.

Clinic payment plan: Often the cheapest option because it may involve no interest or credit check. Ask about required deposits, payment dates, late fees, and whether longer terms are available.

Veterinary financing: CareCredit and similar products can spread payments over several …

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
    CareCredit
    26
  2. 02
    Cherry
    11
  3. 03
    LendingClub Patient Solutions
    1

Share of mentions

CompanyShare
  1. CareCredit
    49.1%
  2. Sunbit
    22.6%
  3. Cherry
    17.0%
  4. Synchrony (Health & Wellness Financing)
    7.5%
  5. LendingClub Patient Solutions
    3.8%
  6. Ally Lending
    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
    withcherry.com
    37
  2. 02
    carecredit.com
    33
  3. 03
    bankrate.com
    10
  4. 04
    sunbit.com (its own website)
    9
  5. 05
    goodrx.com
    8
  6. 06
    consumerfinance.gov
    7
  7. 07
    joingerald.com
    6
  8. 08
    experian.com
    6
  9. 09
    files.consumerfinance.gov
    5
  10. 10
    moneylion.com
    5

Sunbit 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

Claude
5/15
Gemini
3/15
Perplexity
3/15
OpenAI
1/15
Market comparisonSection 06

How Sunbit 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
20

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

Citations
2

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

Sentiment
73

How positively AI describes the company

Site quality
93

How well built the website's own pages are

AI readiness
29

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
40
Ranks 42 of 375. Typical company: 27
Named in answers
20.0%
Ranks 34 of 375. Typical company: 0.0%
AI readiness
29
Ranks 106 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
40
Ranks 4 of 15. Typical company: 37
Named in answers
20.0%
Ranks 5 of 15. Typical company: 16.7%
AI readiness
29
Ranks 6 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. Sunbit 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.txtNot present
  • 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
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
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 25 of 100 · 97% of checks could run · checked on October 9, 2026 · sunbit.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

4 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%
  • 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%
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

  • GPTBotallowed
  • ClaudeBotallowed
  • Anthropic-AIallowed
  • Google-Extendedallowed
  • Applebot-Extendedallowed
  • Meta-ExternalAgentallowed
  • FacebookBotallowed
  • Bytespiderallowed
  • CCBotallowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBotallowed
  • Claude-SearchBotallowed
  • PerplexityBotallowed
  • Applebotallowed
  • Amazonbotallowed
  • YouBotallowed

Answering questions

  • ChatGPT-Userallowed
  • Claude-Userallowed
  • Perplexity-Userallowed
  • DuckAssistBotallowed
  • MistralAI-Userallowed

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 40 of 100 badge for Sunbit

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/sunbit.com"><img src="https://aeo-audit.rezolve.com/finance/badges/sunbit.com.svg" alt="Overall score 40 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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