PYMNTS · Jul 2026
Profile of Guy Ziv and Sunlight’s agentic B2B payment execution model; argues the real problem is fragmented supplier portals and payment execution, not low card acceptance.
The Universal Card-On-File API
Company research
Public company, workplace, funding, and market signals
Updated Jul 29, 2026
Overview
Sunlight (YC S22) is a New York–based B2B payments infrastructure company that uses AI agents to execute card payments through supplier portals and card-on-file workflows, helping fintechs, banks, card issuers, and AP/payables platforms turn ACH/check spend into card revenue without supplier onboarding.
Primary product
Agentic Portal Payments (AI-powered B2B card-payment execution API)
Founded
2021
Headquarters
Madison Ave, New York City, NY 10016, United States
Team size
10
Industry
Information Services
Sub-industry
B2B payments infrastructure
Offices
Madison Ave, New York City, NY 10016, United States
San Francisco, California, United States
Tel Aviv-Yafo, Israel
Business model
B2B SaaS
API platform
Funding
Stage
Pre-Seed
Total raised
$125K
Latest round
Pre-Seed · Sep 2022
Latest amount
$125K
Sep 2022 · Y Combinator
People & investors
Leadership
Co-founder & CEO
Co-founder & CPO
Co-founder & CTO
Head of Business Operations
Work & culture
Product & market
Pricing
Contact sales / enterprise
Differentiators
- —AI agents execute card payments inside supplier portals without requiring supplier onboarding
- —Detects card acceptance and surcharges in real time at the invoice/supplier level
- —Converts ACH and check spend into card revenue
- —Offers end-to-end automation with audit and compliance controls
- —Works across fragmented vendor portals and tech stacks
Technology
Google Workspace
Lodash
Amazon Web Services
Sentry
Sirvoy
Wix
HTTP/3
HSTS
Open Graph
React
Google Cloud
Google Cloud CDN
Customers
fintechs
banks
card issuers
payables platforms
AP platforms
BILL
Ramp
Brex
Tipalti
Rippling
Rho
CapitalOS
Parker
Scale & contact
Estimated revenue
<$5M
Estimated monthly visits
1.1K
Latest news
Sunlight · Jul 2026
Company press post summarizing the PYMNTS interview and framing Sunlight as the execution layer for production B2B card payments.
Sunlight (LinkedIn) · Apr 2026
LinkedIn post arguing Sunlight can unlock unmonetized payment volume by optimizing each viable payment for card usage.
Sunlight (LinkedIn) · Jan 2026
LinkedIn post describing how Sunlight helps B2B payment platforms capture card revenue automatically from existing payment flows.
Fiat Ventures · May 2025
Investor spotlight describing Sunlight’s AP-first autonomous Pay-For-You agent and naming partners/customers like BILL, Ramp, Brex, Tipalti, Rippling, Rho, CapitalOS, and Parker.
Jobs and careers at Sunlight
1 job at Sunlight
Build With Us Open Role
Remote
Operations
Remote (United States)
6mo ago
Remote
Full-time