One REST API
Auth, idempotency keys, rate limiting, cursor pagination, a consistent error envelope, and versioned endpoints. Test and live modes are separated by API-key prefix.
API-first virtual card issuing
Issue virtual cards through one API —
without holding your own card program.
AdvoPay is a distribution layer over SunRate’s Commercial Cards API. You integrate one REST API — authentication, idempotency, wallets, spend controls, billing — and we hold the single SunRate / Mastercard relationship behind you.
Built for businesses · Virtual cards · USD · Onboarding is subject to KYB review. Not a business? Sign up as an individual.
What it is
A single, well-documented REST API for programmatic virtual-card issuing, funded by a prefunded USD wallet. Cards are issued by Sunrate Pte. Ltd., a MAS-licensed Major Payment Institution and Mastercard principal member; AdvoPay provides the API, wallet accounting, spend controls, and billing on top.
Prefunded USD wallets
Top up your wallet by wire using a reference code we issue you. Card loads and spend draw against your wallet balance, tracked in our double-entry ledger.
Per-card spend controls
Set per-card and cumulative caps and an MCC allowlist at issuance. Overspend is detected and clawed back within one reconciliation cycle — see the note below on how controls work.
Multi-tenant isolation
Each account operates under its own API key with its own wallet, cards, and billing — cleanly isolated from every other account.
Hosted PAN/CVV reveal
Sensitive card data is revealed through a hosted, PCI-compliant vault element in the end-user’s browser. Your servers and ours never see the raw PAN or CVV.
Webhooks & reconciliation
Signed webhooks for authorization and clearing events, backed by a reconciliation engine that keeps the ledger and the issuer in agreement.
How onboarding works
-
1
Apply & complete KYB
Submit your business details and identity documents. We review your application; there is no instant approval.
-
2
Get activated
Once approved, we activate your account, issue your reference code, and provision your first API key.
-
3
Prefund your wallet
Wire funds quoting your reference code. Your wallet is credited once the transfer is confirmed.
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4
Issue cards
Call the API to create cardholders and virtual cards, set spend controls, and reconcile spend.
Pricing
Usage-based: a per-card issuance fee plus one spend markup. Figures below are indicative and subject to change pending final terms.
Starter
$0/mo
- Up to 100 cards
- $1.50 / card issued
- 0.75% spend markup
- $5k minimum wallet
Growth
$499/mo
- 100–1,000 cards
- $1.00 / card issued
- 0.50% spend markup
- $25k minimum wallet
Scale
$1,999/mo
- 1,000–10,000 cards
- $0.50 / card issued
- 0.35% spend markup
- $100k minimum wallet
Custom
Let’s talk
- 10,000+ cards
- Negotiated pricing
- Volume commitments
- Dedicated support
Indicative pricing. Final rates depend on SunRate’s cost basis and your KYB outcome. Multi-currency, FX, and physical cards are on the roadmap and not part of the current offering.
Built compliance-first
Singapore-anchored
Our market and regulatory anchor is Singapore. Personal data is handled under the PDPA.
Sanctions screening
Cardholders are screened against consolidated sanctions lists (OFAC / UN / EU / MAS) before any card is issued.
PCI posture
Card data is handled in a hosted PCI vault; raw PAN/CVV never touch your systems or ours.
KYB onboarding
Every business is verified before activation. Applications are reviewed, not auto-approved.