face card
Face Card is a fintech platform offering free invoicing, instant invoice-based advances at an 8% fee, and a rewards debit card to creative freelancers, talent, and agencies, with an AI email assistant that automates job parsing and payment workflows.
- Company typePrivate
- Founded2024
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What face card does
Face Card, Inc. is a financial technology company founded in 2024 and headquartered in San Francisco that provides invoicing, instant-payment, and administrative workflow tools to creative freelancers and agencies. The company operates three interconnected product lines: (1) a free invoicing platform with professional PDF invoice creation, automated payment reminders at Day 7/14/21, and a payment tracking dashboard; (2) Instant Pay, an invoice-based advance product that delivers up to 90% of invoice value within 1–2 business days in exchange for an 8% flat fee collected only when the client ultimately pays the invoice; and (3) a branded Visa debit card issued under a partnership with Stealth Bank, N.A. (FDIC Member) that offers 6% cash back at merchants aligned with the creative vertical (Equinox, Alo, Sephora). A fourth, agency-tier product adds an AI email assistant that parses forwarded job-booking emails to automatically generate jobs, draft invoices, schedule calendar events, and initiate freelancer onboarding including W-9 collection.
The underlying technology stack combines invoicing automation with invoice-factoring-style advance funding, integrates with Plaid for connectivity across 15,000+ US banks, and incorporates an AI workflow for natural language processing of booking emails. The company's sole monetization mechanism is the 8% Instant Pay transaction fee; the invoicing platform carries no processing fees and no subscription, and the debit card rewards program is offered as a customer acquisition and engagement layer rather than a revenue source.
Face Card serves two primary customer segments within the creative industry: individual creative freelancers and talent (photographers, models, designers, and similar gig-economy professionals) who face Net 30/45 payment delays, and creative agencies, production companies, and casting directors that must manage payment disbursement across multiple freelancers. Distribution is product-led through a self-serve web platform (agent.facecardhq.com), supplemented by Calendly-booked direct sales demos for agency prospects. The company is backed by Techstars accelerator and JP Morgan, employs 1–10 people, and has not disclosed funding amounts, customer counts, or revenue figures.
face card firmographics
Firmographics- Name
- face card
- Legal name
- Face Card, Inc.
- Website
- https://facecardhq.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Face Card is a fintech platform offering free invoicing, instant invoice-based advances at an 8% fee, and a rewards debit card to creative freelancers, talent, and agencies, with an AI email assistant that automates job parsing and payment workflows.
- Ownership category
- akta.pro rank
face card industry classification
Industry- Product category
- Creative Industry Fintech
- NAICS
- Sales Financing (52222), Credit Card Issuing (522210)
- SIC
- Short-Term Business Credit Institutions (6153), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
- akta.pro secondary industry
- Virtual / Digital-First Credit Cards (FSAKABAK)
Keywords
Where face card is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Markets served
face card business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Instant Pay Transaction Fee: 8% flat fee charged only when an Instant Pay advance is used and the client subsequently pays the invoice. No fee for free invoicing platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Invoicing - All features at no cost |
| Transaction based/ take rate | Pay-as-you-go | Instant Pay - 8% flat fee on advances |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
face card product offering
Product offeringCore offering
Face Card provides a free invoicing and payment automation platform tailored to creative freelancers, agencies, and production companies. Its core commercial offering is Instant Pay, an invoice-advance product that delivers up to 90% of invoice value within 1-2 business days for an 8% flat fee collected only after the end client pays. Complementary offerings include a branded Visa debit card with cash-back rewards and an AI email assistant that automates job, invoice, and onboarding workflows for agencies.
Product overview
Face Card is a financial technology platform built for creative professionals consisting of three interconnected products: (1) a debit card offering cash back rewards on fashion, fitness, and self-care purchases, (2) an invoicing platform with professional invoice creation, automated payment reminders, and payment tracking, and (3) Instant Pay, an invoice advance service that provides up to 90% of invoice value within 1-2 business days for an 8% flat fee. The platform includes a specialized agency version with AI-powered email processing that automates job creation, invoice drafting, and freelancer onboarding workflows.
Differentiator
Problem solved
Functional benefit
Products and services
- Instant Pay An invoice-advance service for creative freelancers and agencies that delivers up to 90% of unpaid invoice value within 1-2 business days. Charges an 8% flat fee only after the end client pays the invoice. No credit checks, no interest, no hidden fees, and not structured as a loan.
- Free Invoicing A free invoicing platform for creative freelancers offering professional PDF invoice creation, direct sending to clients, automated payment reminders at Day 7, 14, and 21, a payment tracking dashboard, and unlimited invoices with no subscription or processing fees. Integrates with Instant Pay for faster access to funds.
- Face Card Debit Card A Visa debit card issued to creative professionals through Stealth Bank, N.A. (Member FDIC) that offers cash-back rewards (e.g., 6%) on spending at fashion, fitness, and self-care merchants such as Equinox, Alo, and Sephora. Spending is tied to gig income deposited into the Face Card account to avoid overspending risk.
- Face Card for Agencies An invoicing and payments platform tailored to creative agencies, production companies, and casting directors that supports invoice creation, talent invoice management, auto-disperse payment splitting across multiple freelancers on a single job, and an AI email assistant that automatically parses forwarded job emails to create jobs, draft invoices, schedule calendar events, and request W-9 forms from freelancers for user review and approval.
Quantifiable outcome
- Get paid in 1-2 business days vs. Net 30/45 terms
- +2 more outcomes
Companies that use face card
Customer profileSegments3 records
Ideal customer profiles1 record
face card technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature4 records
face card partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PlaidcoreBank connectivity integration enabling Face Card users to connect over 15,000 banks including major institutions like Chase, Bank of America, Capital One, Citi, and Wells Fargo.
Recent moves6 records
Expansion highlights5 records
face card competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
face card social profiles
Digital presenceface card compliance and trust
Trust signalCompliance2 records
face card financial estimates
Financial estimateRevenue estimate
Valuation estimate
face card leadership team
Management profileNumber of profiles
face card funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
face card 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 face card
What does face card do?
Face Card provides a free invoicing and payment automation platform tailored to creative freelancers, agencies, and production companies. Its core commercial offering is Instant Pay, an invoice-advance product that delivers up to 90% of invoice value within 1-2 business days for an 8% flat fee collected only after the end client pays. Complementary offerings include a branded Visa debit card with cash-back rewards and an AI email assistant that automates job, invoice, and onboarding workflows for agencies.
Is face card a public or private company?
face card is a private company. It is classified as venture growth investor backed and is currently operating.
When was face card founded?
face card was founded in 2024. It employs 1 to 10 people.
Where is face card based?
face card is headquartered in San Francisco, United States, in the North America region.
How does face card make money?
One revenue line is on record: instant Pay Transaction Fee.
Does face card have an API?
No public API is recorded for face card.
What industry is face card in?
face card's product category is Creative Industry Fintech. Its primary akta.pro industry code is BPAMAFAF, Bill Pay, Invoicing & Payables Platforms, with a secondary code of FSAKABAK, Virtual / Digital-First Credit Cards. Its NAICS code is 52222 and its SIC code is 6153.