Hyperface
Hyperface offers a pre-integrated Credit Cards-as-a-Service platform, providing modular Pay Later solutions, a Smart Benefits Engine, and instant card issuance. It partners with banks like AU Bank to deliver hyper-personalized credit card programs and has a significant client base managing millions of transactions monthly.
Company Overview
Hyperface provides an advanced, pre-integrated Credit Cards-as-a-Service platform aimed at enabling brands to quickly launch credit card programs. Utilizing powerful APIs and SDKs, Hyperface supports intuitive onboarding journeys, robust card lifecycle management, and end-to-end program management. The company offers modular solutions, such as a Buy Now Pay Later stack, designed to cater to diverse financial service needs.
Co-Branded Credit Card Program
Hyperface's co-branded credit card program includes integration with partner banks, simplified implementation through powerful APIs and SDKs, and comprehensive program management. Key features include smart onboarding API, transaction enrichment, instant EMI conversion, intelligent nudges, spend categorization, cross-sell opportunities, and smart benefits API. Hyperface is live with its first co-branded credit card and has partnered with AU Bank to launch the customizable AU LIT card.
Smart Benefits Engine
Hyperface provides a Smart Benefits Engine designed to deliver hyper-personalized offers and rewards. This engine supports real-time rewards delivery, personalized nudges, and milestone computation. It integrates a unified platform for managing multiple cardholder benefits and includes automated offer management. Additional features comprise customer cohort management and real-time analytics, facilitating enhanced customer engagement and satisfaction.
Pay Later Stack
Hyperface offers a white-label Buy Now Pay Later solution through its modular Pay Later stack. This stack includes functionalities for billing and statements, credit management, account management, and program customization. It supports UPI compatibility and EMI management and offers seamless cross-platform integration, making it a comprehensive solution for brands seeking to implement deferred payment options.
Industry Partnerships and Achievements
Hyperface is a participant in the NPCI Partner Program and has teamed up with AU Bank to offer innovative financial products. The company's clients own over 3.1 million credit and prepaid cards, processing a monthly GTV of ₹8,400 Cr+ and handling 8.7 million monthly credit card transactions. Hyperface has launched notable products such as the ixigo-AU Bank Credit Card, designed as India's most rewarding travel credit card.