Problem

Sunlight addresses the execution gap in B2B payments. Banks, fintechs, and payables platforms may move millions of dollars through ACH and checks—not because suppliers reject cards, but because reliably finding and completing card payments across fragmented accounts-payable systems and supplier portals is difficult. That leaves interchange revenue on the table, while manual portal navigation, data entry, validation, and exception handling create operational cost and prevent payment platforms from scaling without additional headcount. The primary use case is an AP platform identifying card-eligible invoices and paying them by card inside supplier portals, converting existing ACH or check volume into incremental interchange revenue without requiring suppliers to onboard.

Product / Service

Sunlight provides an API and AI-powered execution layer for B2B card payments. Its agents analyze bill and invoice data, identify vendor-specific payment URLs and card eligibility, navigate supplier portals, enter and validate payment details, and complete transactions. The platform can also update payment methods across vendor portals so a program’s virtual cards become customers’ default cards for recurring spend. Sunlight is designed to integrate with existing AP, AR, fintech, bank, and card-program workflows, including universal portal connectivity and no supplier integration or onboarding.

The benefit is higher card volume and interchange revenue from payment flows a platform already controls, alongside lower manual effort and a simpler user experience. Sunlight’s site also describes bank-grade encryption, monitoring, access controls, SOC 2 Type II certification, and PCI DSS certification, positioning the service as enterprise infrastructure rather than a standalone payment interface.

Market

Sunlight competes in B2B payments infrastructure, embedded fintech, AP-payment automation, and the emerging category of agentic payment execution. Its target customers are fintechs, banks, card issuers, AP platforms, and other B2B payment platforms seeking to increase card share of wallet and monetize existing payment volume. The closest documented adjacent alternative is JAGGAER, which automates invoice payments and issues virtual cards without supplier onboarding; broader AP-automation platforms are also substitutes, although the evidence does not establish a definitive named direct competitor focused on Sunlight’s cross-portal card-execution layer.

The company is an active Y Combinator Summer 2022 fintech and B2B API company. LinkedIn lists it as founded in 2021 with 11–50 employees, while the company site says it is used by leading fintechs and financial institutions. Third-party company data reports $500,000 of funding from Y Combinator, but the available evidence provides no verified revenue, transaction-volume, customer-count, or named-customer figures. Sunlight therefore shows early-stage organizational and market traction, but its revenue status and commercial scale cannot be established from the evidence.