Face Card

Product Introduction

1. Face Card is an AI-powered financial assistant designed to streamline invoice creation, payment collection, and fund accessibility for freelancers and independent professionals. It enables users to generate and send invoices via text messaging platforms like iMessage or WhatsApp, with options for manual bank transfers or integrated Stripe payments.
2. The core value of Face Card lies in eliminating payment delays by offering Instant Pay, which allows users to access up to 92% of an invoice’s value immediately, bypassing traditional net-30 or net-90 payment cycles. It also integrates financial tools with a portfolio showcase to help users attract clients and secure future work opportunities.

Main Features

1. AI-Powered Invoicing: Users can text Face Card to generate invoices dynamically, specifying client details, payment terms, and services rendered. The AI automatically formats the invoice and sends it directly to the client’s email, reducing manual data entry.
2. Instant Pay: Face Card offers immediate access to 92% of an invoice’s value (e.g., $920 for a $1,000 invoice) upon submission, with the remaining 8% withheld as a fee. Funds are deposited directly into the user’s Face Card account, bypassing traditional payment delays.
3. Stripe Integration: Users can connect their Stripe accounts to accept online card payments and bank transfers, enabling clients to pay invoices instantly via digital methods. Manual payment options are also available for direct transfers to Face Card account numbers.

Problems Solved

1. Face Card addresses the cash flow challenges faced by freelancers and gig workers who often wait weeks or months for payments due to net-90 terms or manual invoicing processes. Instant Pay ensures immediate liquidity for completed work.
2. The product targets multihyphenate professionals, such as models, photographers, and creatives, who juggle multiple income streams and require fast, flexible payment solutions. Agencies managing freelancers can also use it to streamline payouts.
3. Typical use cases include a freelancer invoicing a corporate client (e.g., Nike) after a modeling gig, a photographer requesting upfront payment for a project, or a creative professional showcasing their portfolio to attract new clients directly through the platform.

Unique Advantages

1. Unlike traditional invoicing tools like QuickBooks or PayPal, Face Card combines messaging-based AI automation with instant liquidity, allowing users to create, send, and receive payments without switching platforms.
2. The integration of a client-facing portfolio within the payment workflow differentiates Face Card, enabling users to display their work and receive booking inquiries directly through their invoice links (e.g., invoice.facecardhq.com).
3. Competitive advantages include lower fees for Instant Pay (8%) compared to factoring services, direct Stripe compatibility for global transactions, and rewards tailored for fashion, fitness, and beauty professionals.

Frequently Asked Questions (FAQ)

1. How does Instant Pay work? Instant Pay allows users to receive 92% of an invoice’s value immediately by submitting a request via text, with the remaining 8% deducted as a fee. Funds are available in the Face Card account within minutes, avoiding waiting periods.
2. Can clients pay via credit card or bank transfer? Yes, users can connect Stripe to accept online card payments or share their Face Card account details for manual bank transfers. Both methods are supported in the invoice PDF sent to clients.
3. Is the portfolio feature optional? The portfolio is automatically generated from user-uploaded work samples and can be customized or disabled. It is linked to invoices, allowing clients to view past projects and initiate new bookings directly.
4. What happens if a client disputes an invoice? Face Card provides dispute resolution support and holds Instant Pay funds in escrow until conflicts are resolved. Users retain full control over payment terms and client communication logs.
5. Are there geographic restrictions? Face Card supports global payments via Stripe but requires a U.S.-based bank account for Instant Pay withdrawals. Manual transfers are available in select regions through partner networks.