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

WTM International

wtm.international

Cross-border payments and remittancesCards and payments

Money20/20 attendee

Statement period
October 9 to 14, 2026
when the AI assistants were asked
Account no.
1,437 of 2,219
its rank by overall score
Place in its category
46th of 84 cross-border payments providers
Closing balance

Named in

0of 60, its tower is dark

by 0 of 4 assistants

Statement note

What this means for WTM International

AI assistants do not name this cross-border payments provider in any of their 60 answers. Its overall score is 27 out of 100, ranking 1,437th of 2,219 companies in the study and 186th of 375 in its sector. The website passes 5 of 14 technical checks for readiness for AI tools.

We asked 15 unbranded questions about its market, so no question mentioned WTM International by name. AI assistants named it in none of the 60 answers. Counting only how often it is named, it ranks 179th 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
27Overall score
  • Visibility0
  • Citations0
  • Sentiment50
  • Site quality80
  • AI readiness36
Summary of account
Named by AI in
0.0%
0 of 60 answers
Share of mentions
0.0%
of the mentions of it and its 5 peers
AI readiness
5/14
technical checks passed. Typical for its sector: 4
Rank in its sector
186 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

WTM International came up on 0 of 15 questions. Open any window to read that answer.

  1. 01Cross-border payment platforms vs in-house compliance teams: which is more efficient for AI companies?0/4
  2. 02How do Merchant of Record solutions compare with traditional payment gateways for international SaaS sales?0/4
  3. 03Is using an all-in-one cross-border compliance service worth it for small tech startups?0/4
  4. 04Which solutions can replace Merchant of Record services for handling international compliance?0/4
  5. 05What are alternatives to using a dedicated cross-border payment platform for cloud services?0/4
  6. 06What role do Merchant of Record services play in simplifying software subscription billing across borders?0/4
  7. 07How can global SaaS providers resolve issues with local currency reconciliation?0/4
  8. 08What are the best cross-border payment platforms for SaaS companies expanding overseas?0/4
  9. 09Other ways SaaS companies can manage cross-border tax and payments without third-party platforms?0/4
  10. 10Which platforms simplify compliance and tax management for global cloud businesses?0/4
  11. 11What are typical pricing tiers for cross-border payment platforms serving tech businesses?0/4
  12. 12Are there affordable options for managing local currency payments for small SaaS companies?0/4
  13. 13How do international tax compliance solutions help SaaS companies expand into Latin America?0/4
  14. 14What could cause delays in receiving cross-border payments for US-based software companies?0/4
  15. 15Do SaaS businesses benefit more from integrated global payments and tax compliance platforms than DIY solutions?0/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 0/15All assistants: 0/60
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

The company is not named in this answer

Claudedid not name the company

“Which solutions can replace Merchant of Record services for handling international compliance?”

I'll search for information about alternatives to Merchant of Record services for international compliance.Based on the search results, here are the main solutions that can replace Merchant of Record services for handling international compliance:

Dedicated MoR Alternatives

Paddle - A merchant of record platform built for SaaS that handles payments, global tax compliance, subscription management, and invoicing, with coverage across 200+ countries.

Gapp Group - Described as the closest full-service replacement for Digital River, providing comprehensive MoR services.

Global-E …

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.

Named instead

CompanyTimes named
  1. 01
    Airwallex
    9
  2. 02
    Paddle
    7
  3. 03
    Payoneer
    5
  4. 04
    FastSpring
    4

Share of mentions

CompanyShare
  1. Airwallex
    36.1%
  2. Paddle
    25.0%
  3. Payoneer
    22.2%
  4. FastSpring
    16.7%
  5. WTM International
    0.0%
  6. BlueSnap
    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
    tipalti.com
    9
  2. 02
    paddle.com
    9
  3. 03
    payproglobal.com
    8
  4. 04
    guideflow.com
    7
  5. 05
    dodopayments.com
    7
  6. 06
    stripe.com
    6
  7. 07
    airwallex.com
    5
  8. 08
    xtransfer.com
    5
  9. 09
    tax.thomsonreuters.com
    5
  10. 10
    wise.com
    5

WTM International is in the study as a cross-border payments provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

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

How WTM International 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
0

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
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 cards and payments companies

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

Overall score
27
Ranks 186 of 375. Typical company: 27
Named in answers
0.0%
Ranks 179 of 375. Typical company: 0.0%
AI readiness
36
Ranks 41 of 375. Typical company: 29
Against its categorySection 08

Compared with cross-border payments providers

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

Overall score
27
Ranks 36 of 84. Typical company: 27
Named in answers
0.0%
Ranks 33 of 84. Typical company: 0.0%
AI readiness
36
Ranks 10 of 84. 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. WTM International 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
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 43 of 100 · 97% of checks could run · checked on October 9, 2026 · wtm.international · 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%
  • Not metHTTP 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%
  • 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 rules for 13 AI crawlers by name. All others follow its general rules.

Training AI

  • GPTBot*partly
  • ClaudeBot*partly
  • Anthropic-AI*partly
  • Google-Extended*partly
  • Applebot-Extended*partly
  • Meta-ExternalAgent*partly
  • FacebookBotpartly
  • Bytespider*partly
  • CCBot*partly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBot*partly
  • Claude-SearchBotpartly
  • PerplexityBot*partly
  • Applebotpartly
  • Amazonbot*partly
  • YouBotpartly

Answering questions

  • ChatGPT-User*partly
  • Claude-Userpartly
  • Perplexity-User*partly
  • 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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