{
  "dataset": "RDVCC AI Payment Compatibility Index",
  "publisher": "RDVCC Payments Research — AGGS TECHNOLOGY SERVICES CO., LIMITED",
  "homepage": "https://rdvcc.com/research/ai-payment-compatibility",
  "pages": {
    "zh": "https://rdvcc.com/research/ai-payment-compatibility",
    "en": "https://rdvcc.com/en/research/ai-payment-compatibility",
    "ru": "https://rdvcc.com/ru/research/ai-payment-compatibility"
  },
  "methodology": "https://rdvcc.com/research/ai-payment-compatibility#methodology",
  "schema_version": "1.1",
  "period": "2026-08 (trailing 30 days, 2026-08-01/2026-08-31)",
  "updated": "2026-08-31",
  "update_cadence": "monthly",
  "notes": "Rates only — transaction counts are not published. sample_tier is qualitative (large/medium/small); small-tier cells fluctuate between periods, read them as a trend. Approval rate = (total - all declines) / (total - excluded declines). Two groups are excluded: user-side causes (insufficient balance/limit, billing-address input errors, mistyped card details, cards not in an active state) and platform policy blocks (restricted merchant categories and risk rules). When every decline in a cell falls into the exclusions the cell reads 100% — that does not mean no declines occurred. Residual declines (incl. transient upstream errors and unknown causes) are counted as-is.",
  "observation_caveat": "tds_observation / avs_observation are observational findings over the period's full decline-reason records (before exclusions) for this platform's cards and billing-address configuration. Upstream decline reasons carry no dedicated 3DS/AVS category and a small number of declines have unknown causes, so the finding is bounded by that granularity. It is NOT a claim that these merchants run no 3DS/AVS checks.",
  "usage": "Cite as 'RDVCC Payments Research' with the period and page URL; do not alter the figures or quote them outside their methodology; past periods do not describe the current state.",
  "rows": [
    { "merchant": "OpenAI / ChatGPT", "card_network": "visa", "approval_rate": "100%", "sample_tier": "large", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "OpenAI / ChatGPT", "card_network": "mastercard", "approval_rate": "100%", "sample_tier": "large", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Anthropic / Claude", "card_network": "visa", "approval_rate": "97.6%", "sample_tier": "large", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Anthropic / Claude", "card_network": "mastercard", "approval_rate": "98.0%", "sample_tier": "medium", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Google (Play / Ads / One)", "card_network": "visa", "approval_rate": "97.1%", "sample_tier": "medium", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Google (Play / Ads / One)", "card_network": "mastercard", "approval_rate": "100%", "sample_tier": "large", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Apple", "card_network": "visa", "approval_rate": "100%", "sample_tier": "medium", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Apple", "card_network": "mastercard", "approval_rate": "100%", "sample_tier": "medium", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Meta / Facebook Ads", "card_network": "visa", "approval_rate": "100%", "sample_tier": "small", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Meta / Facebook Ads", "card_network": "mastercard", "approval_rate": "98.9%", "sample_tier": "large", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Cursor", "card_network": "visa", "approval_rate": "100%", "sample_tier": "small", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" },
    { "merchant": "Cursor", "card_network": "mastercard", "approval_rate": "100%", "sample_tier": "small", "tds_observation": "no 3DS-challenge declines observed", "avs_observation": "no AVS-mismatch declines observed" }
  ]
}