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
TC

The Clearing House

theclearinghouse.org

Payment processors, acquirers and point of saleCards and payments

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
531 of 2,219
its rank by overall score
Place in its category
33rd of 203 payment processors
Closing balance

Named in

24of 60 answers

by 4 of 4 assistants

Statement note

What this means for The Clearing House

AI assistants name this payment processor in 40% of answers, while the typical company in its sector is named in 0%. Its overall score is 36 out of 100, ranking 531st of 2,219 companies. The company's website passes 3 of 14 technical checks for how ready it is for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned The Clearing House 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
36Overall score
  • Visibility35
  • Citations2
  • Sentiment50
  • Site quality67
  • AI readiness29
Summary of account
Named by AI in
40.0%
24 of 60 answers
Share of mentions
30.4%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 4
Rank in its sector
75 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

The Clearing House came up on 10 of 15 questions. Open any window to read that answer.

  1. 01Best practices for financial institutions utilizing compliance tools in audit preparation0/4
  2. 02Best payments networks for U.S. financial institutions seeking secure transactions4/4
  3. 03Are compliance support platforms for financial institutions worth the investment?0/4
  4. 04Choosing between same-day ACH and instant payment networks for business clients1/4
  5. 05What are the leading compliance resources for banks managing payment operations?2/4
  6. 06How should a financial institution address failed payment transactions on its network?0/4
  7. 07What steps can banks take if access to compliance resources is temporarily unavailable?0/4
  8. 08What should banks consider before subscribing to a payment system service?0/4
  9. 09Top payment system providers for community banks in the United States1/4
  10. 10Typical costs associated with payments network membership for community banks1/4
  11. 11Real-time payment networks vs. traditional ACH systems for banks2/4
  12. 12Alternatives to private payments networks for U.S. financial institutions4/4
  13. 13Is joining a U.S payments network beneficial for midsize banks?1/4
  14. 14How do U.S. banks use payments networks to facilitate wire transfers?4/4
  15. 15Key differences between private and public payment rails for U.S. institutions4/4
Total namedOpenAI: 6/15Claude: 5/15Perplexity: 5/15Gemini: 8/15All 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 Gemini actually said

An answer that names the company

Gemininamed the company

“Real-time payment networks vs. traditional ACH systems for banks”

Real-time payment (RTP) networks and traditional Automated Clearing House (ACH) systems are both electronic payment methods used by banks, but they differ significantly in speed, processing, and functionality.

Real-Time Payment Networks

Real-time payment networks facilitate immediate transfers of funds between bank accounts, operating 24/7, every day of the year, including holidays and weekends. Funds are available to the recipient within seconds, with immediate confirmation for both sender and receiver. In the United States, the primary real-time payment networks are The Clearing House' …

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
    Fiserv
    3
  2. 02
    Jack Henry & Associates
    2

Share of mentions

CompanyShare
  1. Federal Reserve Financial Services
    35.4%
  2. The Clearing House
    30.4%
  3. NACHA (The Electronic Payments Association)
    20.3%
  4. Fiserv
    6.3%
  5. Jack Henry & Associates
    5.1%
  6. FIS (Fidelity National Information Services)
    2.5%
ReferrersSection 04

Websites the AI used as sources

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

  1. 01
    stripe.com
    15
  2. 02
    fasterpaymentscouncil.org
    7
  3. 03
    federalreserve.gov
    7
  4. 04
    ramp.com
    6
  5. 05
    theclearinghouse.org (its own website)
    5
  6. 06
    kansascityfed.org
    5
  7. 07
    swift.com
    4
  8. 08
    frbservices.org
    4
  9. 09
    en.wikipedia.org
    4
  10. 10
    richmondfed.org
    3

The Clearing House is in the study as a payment processor.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
8/15
OpenAI
6/15
Claude
5/15
Perplexity
5/15
Market comparisonSection 06

How The Clearing House 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
35

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
50

How positively AI describes the company

Site quality
67

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
36
Ranks 75 of 375. Typical company: 27
Named in answers
40.0%
Ranks 13 of 375. Typical company: 0.0%
AI readiness
29
Ranks 106 of 375. Typical company: 29
Against its categorySection 08

Compared with payment processors

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

Overall score
36
Ranks 33 of 203. Typical company: 27
Named in answers
40.0%
Ranks 5 of 203. Typical company: 0.0%
AI readiness
29
Ranks 59 of 203. 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. The Clearing House 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
75 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPartly met

    Serve an XML sitemap and reference it 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 DiscoveryPassed

    SVCB or HTTPS records under _agents that advertise agent endpoints.

    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 26 of 100 · 97% of checks could run · checked on October 9, 2026 · www.theclearinghouse.org · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

3 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%
  • Not metHTTP 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

  • 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 36 of 100 badge for The Clearing House

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/theclearinghouse.org"><img src="https://aeo-audit.rezolve.com/finance/badges/theclearinghouse.org.svg" alt="Overall score 36 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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