Hyperface helps companies launch their own credit card programme in a matter of 4-8 weeks, as opposed to 18-24 months. Hyperface offers two products currently. The first is called CCAAS which is Credit card as a service stack, which helps fintechs, neobanks and companies define everything from their onboarding processes to card controls — basically the entire customer life cycle. Second, the startup says it has partnered with leading prepaid payment instruments for ‘BNPL on prepaid’ offering. The startup's key clients include ecommerce companies, neobanks and fintechs looking to offer credit cards to their customers. It earns its revenue via the pay-as-you-use pricing model.