Sunlight is a company operating in the New York artificial intelligence and payments sector [1][2]. Founded in Summer 2022 [3], the company describes itself as the intelligence and execution layer for agentic B2B card payments [1]. According to its stated business model, Sunlight enables the movement of B2B payment volume onto card by deploying AI agents that determine where bills can be paid by card without surcharges and execute those payments through vendors' existing billing or accounts receivable portals [4]. The company operates without requiring individual suppliers to onboard to a proprietary network, instead accessing suppliers through their existing systems [4]. Sunlight positions itself as infrastructure for accounts payable platforms and bank card programs seeking to capture interchange on payment volume that would otherwise default to alternative methods such as ACH transfers or checks [4].
About
- Sunlight moves B2B payment volume onto card without asking a single supplier to onboard. Our AI agents determine where a bill can be paid by card without a surcharge, then execute that payment through the vendor's own billing or AR portal, returning a confirmed status, receipt, and structured remittance data through a single API. For decades, moving invoice spend onto card meant building a rail or signing suppliers up one at a time. Both are slow, and both leave most of the volume behind. Sunlight takes a different path. Because our agents pay through the portals suppliers already use, the network reaches every supplier without any of them having to join it. AP platforms and bank card programs issue their own cards, send them to us, and capture the interchange on volume that would otherwise have defaulted to ACH or check. We are the AI infrastructure layer that makes that volume reachable.[4]
- Sunlight moves B2B payment volume onto card without asking a single supplier to onboard. Our AI agents determine where a bill can be paid by card without a surcharge, then execute that payment through the vendor's own billing or AR portal, returning a confirmed status, receipt, and structured remittance data through a single API. For decades, moving invoice spend onto card meant building a rail or signing suppliers up one at a time. Both are slow, and both leave most of the volume behind. Sunlight takes a different path. Because our agents pay through the portals suppliers already use, the network reaches every supplier without any of them having to join it. AP platforms and bank card programs issue their own cards, send them to us, and capture the interchange on volume that would otherwise have defaulted to ACH or check. We are the AI infrastructure layer that makes that volume reachable.[9]
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