Hyperface
Hyperface is a Bengaluru-based Credit Cards-as-a-Service platform, founded in 2021, that sells modular APIs, SDKs, and lifecycle tooling to banks, fintechs, neobanks, and consumer brands in India to launch and operate digital-first credit card programs.
- Company typePrivate
- Founded2021
- HeadquartersBangalore, India
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Hyperface does
Hyperface is a Bengaluru-based Credit Cards-as-a-Service (CCaaS) platform founded in 2021 that provides banks, fintechs, neobanks, and consumer brands with the modular infrastructure to launch and operate digital-first credit card programs. The company self-positions as Asia's first CCaaS platform and offers a stack of six integrated products — Smart Engage (engagement and portfolio management), Credit Pro (credit engine with 16+ configurable banking modules including UPI credit lines), Embed Next (co-branded card launch accelerator), Onboard IQ (origination and KYC-to-underwriting workflows), Cerebra (real-time business rules and decisioning), and Rewards Plus (bank-wide rewards unification) — exposed through developer-friendly APIs, SDKs, PWAs, a sandbox, and transaction simulators.
The business operates as an enterprise B2B SaaS company selling to regulated Indian financial institutions and large consumer brands via a consultative direct-sales motion ("Book a Demo"), with quote-based, multi-year subscription contracts. Named customers include YES BANK, AU Bank, Federal Bank, IndusInd Bank, Indian Overseas Bank, NCB Bank, Jupiter, Flipkart Wholesale, ixigo, PharmEasy, Bank Bazaar, SuperMoney, and Titan Company. Hyperface has raised approximately $10.3 million across pre-seed and seed rounds (2021-2022) led by 3one4Capital with participation from Flipkart Ventures, Better Capital, GFC, 021 Capital, and angel investors including Kunal Shah.
The company holds ISO 27001:2022, PCI DSS, AICPA SOC 2 Type II, RBI SAR audit, SPDX SBOM, and CERT-In CBOM certifications, and employs between 101 and 250 people. Its geographic focus is India with an Asia-expansion narrative implied by its category positioning.
Hyperface firmographics
Firmographics- Name
- Hyperface
- Legal name
- Hyperface
- Website
- https://hyperface.in
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Hyperface is a Bengaluru-based Credit Cards-as-a-Service platform, founded in 2021, that sells modular APIs, SDKs, and lifecycle tooling to banks, fintechs, neobanks, and consumer brands in India to launch and operate digital-first credit card programs.
- Ownership category
- akta.pro rank
Hyperface industry classification
Industry- Product category
- Credit Cards-as-a-Service (CCaaS) Platform
- NAICS
- Credit Card Issuing (522210), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Embedded Card Issuing & Card-as-a-Service (FSAGALAC)
- akta.pro secondary industries
- Card Issuing & Program Management Platforms (BPAMAFAH), Card Issuing Platforms (Issuer Processing) (FSAGABAD)
Keywords
Where Hyperface is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Hyperface business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Credit Cards-as-a-Service Platform: B2B SaaS platform licensing model where Hyperface provides its credit card infrastructure, APIs, and modules to banks, fintechs, and brands. Revenue likely derived from platform licensing, transaction fees, and module subscriptions based on the modular product architecture described.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Custom enterprise pricing based on modules and scale |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels7 records
Hyperface product offering
Product offeringCore offering
Hyperface provides a modular Credit Cards-as-a-Service (CCaaS) platform that enables banks, fintechs, neobanks, and consumer brands to launch and operate digital-first credit card programs. The platform is delivered via APIs, SDKs, PWAs, and sandbox environments, with six integrated products covering engagement, credit lines, co-branded launches, onboarding, decisioning, and rewards. Customers can subscribe to individual modules and go live with new card programs in weeks rather than months.
Product overview
Hyperface is a Credit Cards-as-a-Service (CCaaS) platform, positioning itself as Asia's First CCaaS platform. The company offers a modular, digital-native credit card platform with six integrated products: Smart Engage (engagement platform for portfolio management and hyper-personalisation), Credit Pro (credit engine for designing credit lines including UPI with 16+ banking modules), Embed Next (co-branded card launch solution), Onboard IQ (origination and onboarding), Cerebra (real-time business rules engine for decisioning), and Rewards Plus (unified rewards management). These products share common infrastructure including developer-friendly APIs and SDKs, sandbox environments, transaction simulators, and a unified analytics dashboard. The platform is designed for banks seeking to maximise customer engagement and ROI through digital-first card solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Smart Engage Customer engagement platform that boosts cardholder loyalty and drives spends through automated portfolio management, hyper-personalisation tools with real-time user cohort management, offer automations, developer-friendly APIs with milestone tracking, and a unified customer lifecycle dashboard with analytics. Designed for banks seeking to maximise engagement and ROI from credit card programs.
- Credit Pro Comprehensive digital credit engine enabling design, configuration, and management of credit lines including UPI on cards and pay-later products. Offers 16+ pick-and-choose core banking modules covering billing frequency to APRs, with modular backend integrations aligning with existing technology stacks and streamlined transaction processing. Built for banks and partners issuing digital credit products.
- Embed Next Platform for launching co-branded credit card programs in weeks rather than months, handling regulatory compliance, APIs, and workflows. Provides ready SDKs and PWAs for modern embedded card experiences, seamless bank API integration, and streamlined go-to-market for brands and partner organisations.
- Onboard IQ Credit card origination solution enabling seamless onboarding processes within apps, with a unified control center for KYC-to-underwriting integrations, optimised workflows, a configurable backend for custom user journeys, and simplified lead tracking with analytics. Designed for banks and partners to improve customer conversions during onboarding.
- Cerebra Modern business rules engine providing real-time business rules and decisioning capabilities for credit card operations. Enables banks and partners to configure and execute decisioning logic at scale across the credit card lifecycle.
- Rewards Plus Rewards management solution that unifies bank-wide rewards programs on a single platform, allowing banks and partners to deliver consistent, integrated rewards experiences across their credit card portfolio.
Quantifiable outcome
- Launch co-branded credit card programs in weeks, not months
- +1 more outcomes
Companies that use Hyperface
Customer profileNamed customers13 records
Segments3 records
Ideal customer profiles3 records
Hyperface technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature8 records
Hyperface partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- YES BANKcoreYES BANK partnered with Hyperface to offer digital-first credit card solutions as part of its digital transformation strategy. The collaboration integrates Hyperface's Modern Credit Card Stack and Hyper-Personalisation Suite to enable portfolio automation, end-to-end lifecycle management, and streamlined co-brand partner integration.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Hyperface competitors and assessment
Company assessmentDirect peers
- Lithic: US-based card-issuing infrastructure API serving fintechs and digital-first brands. Closely comparable in modular API-first positioning, developer experience, and target customer profile to Hyperface.
- Synctera: B2B banking-as-a-service platform pairing fintechs with sponsor banks for card and deposit programs. Comparable end-to-end launch proposition and API-first model targeting fintechs and brands.
- Unit: Banking-as-a-service platform offering embedded accounts, cards, lending, and compliance APIs. Overlaps with Hyperface's full-stack CCaaS vision and modular developer experience.
- Marqeta: US-listed card-issuing API platform powering modern card programs globally. Most direct global comparable to Hyperface's CCaaS proposition for fintechs, neobanks, and brands launching physical or virtual cards.
- Zeta (Tata-backed): India-based banking tech and credit card processing platform serving major Indian banks including HDFC. Most direct India-headquartered competitor to Hyperface's CCaaS proposition for banks.
Broad incumbents
- Stripe Issuing: Stripe's embedded card-issuing API enables businesses to create and manage virtual and physical cards. Comparable to Hyperface's Embed Next and Credit Pro modules, though bundled into Stripe's broader payments stack.
Emerging players
- Finix: Payments infrastructure platform offering merchant onboarding, card processing, and payout APIs. Comparable fintech-infrastructure play with overlapping developer-first B2B SaaS model.
Regional players
- Decentro: India-based API banking infrastructure platform offering card issuing, KYC, payments, and lending APIs. Comparable developer-first approach targeting fintechs and enterprises in India.
- M2P Fintech: India-based core banking, card issuing, and lending infrastructure provider serving banks and fintechs across South Asia and MEA. Comparable regional CCaaS and API-banking stack.
- Setu (Pine Labs): India-based API infrastructure platform (Pine Labs subsidiary) covering accounts, cards, UPI, and lending rails. Adjacent API-banking competitor with card issuance overlap in the Indian market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Hyperface social profiles
Digital presenceHyperface financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hyperface leadership team
Management profileNumber of profiles
Profiles2 records
Hyperface funding detail
Funding detailFunding overview
Funding rounds3 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hyperface M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hyperface
What does Hyperface do?
Hyperface provides a modular Credit Cards-as-a-Service (CCaaS) platform that enables banks, fintechs, neobanks, and consumer brands to launch and operate digital-first credit card programs. The platform is delivered via APIs, SDKs, PWAs, and sandbox environments, with six integrated products covering engagement, credit lines, co-branded launches, onboarding, decisioning, and rewards. Customers can subscribe to individual modules and go live with new card programs in weeks rather than months.
Is Hyperface a public or private company?
Hyperface is a private company. It is classified as venture growth investor backed and is currently operating.
When was Hyperface founded?
Hyperface was founded in 2021. It employs 101 to 250 people.
Where is Hyperface based?
Hyperface is headquartered in Bangalore, India, in the Asia region.
How does Hyperface make money?
One revenue line is on record: credit Cards-as-a-Service Platform.
Who are Hyperface's main competitors?
Direct peers on record are Lithic, Synctera, Unit, Marqeta and Zeta (Tata-backed). Stripe Issuing is listed as a broad incumbent. Finix is listed as an emerging player. Regional players are Decentro, M2P Fintech and Setu (Pine Labs).
Does Hyperface have an API?
Yes. Hyperface offers developer-friendly APIs and SDKs for banks and partner integration. The platform features pre-integrated APIs for customer onboarding journeys, real-time rewards, and other financial features. The API documentation is available at hyperface.stoplight.io/docs/credit-stack-apis. The platform provides PWAs and SDKs for building digital-first customer experiences, along with sandbox access for building and testing apps, and simulators for credit card transactions, payments, statements, delinquencies, and credit lifecycle. Developer documentation is at hyperface.stoplight.io/docs/credit-stack-apis.
What industry is Hyperface in?
Hyperface's product category is Credit Cards-as-a-Service (CCaaS) Platform. Its primary akta.pro industry code is FSAGALAC, Embedded Card Issuing & Card-as-a-Service, with a secondary code of BPAMAFAH, Card Issuing & Program Management Platforms. Its NAICS code is 522210 and its SIC code is 7372.