Face Card
Face Card, Inc · Business
Face Card is a financial platform built for models, influencers, and other creative professionals who need to get paid without chasing clients for weeks. It pairs a free invoicing tool with an optional Instant Pay feature that advances up to 90% of an invoice's value in one to two business days. The product targets freelancers whose income arrives in uneven chunks and who want a clear record of what they've earned. No spreadsheets required.
About Face Card
What Is Face Card
Face Card is an AI-powered financial assistant for the creative industry, run by Face Card, Inc. It handles the two halves of getting paid: creating and tracking invoices, and turning an unpaid invoice into cash you can actually use. Face Card calls itself a financial technology firm, not a bank. Its card product is issued by Stealth Bank, N.A., a Member FDIC institution, under a license from Visa USA.
The core pitch is that invoicing shouldn't cost you anything. The platform charges no monthly fee and no processing fee on invoices. It makes money only when you choose to speed up a payment through Instant Pay. That model matters if you bill irregular amounts across many clients, because per-invoice costs tend to add up quietly.
The biggest limitation is scope. Instant Pay isn't a loan and requires no credit check, but it isn't free either. The 8% flat fee comes out of the invoice value, and it's collected only when your client eventually pays. If a client never pays, the value you advanced is affected. That's the risk. The tool rewards users who already vet their clients carefully.
Getting Started
- Create a free Face Card account through the website.
- Build a professional invoice and send it directly to your client.
- Let the platform send automatic reminders when an invoice runs past its due date.
- Watch payment status inside the tracking dashboard.
- If you need cash sooner, request Instant Pay on a sent invoice and receive up to 90% of its value in one to two business days.
Product Information
A quick look at Face Card's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- Freelance models and influencers
- Creative professionals with uneven income
Tasks
- Sending professional invoices to brand clients
- Chasing overdue payments
- Tracking what you're owed
Scenarios
- Waiting on a 60-day brand payment but needing cash for rent now
- Managing several clients at once during a busy campaign season
- Just starting out and billing your first brand
Key features
Free Invoicing Platform
Face Card's invoicing tool costs nothing to use and has no cap on how many invoices you send. You create a professional PDF invoice, send it straight to your client, and the platform keeps a record of it. No processing fee applies. That separates it from tools that take a cut every time money moves.
Instant Pay Advances
Instant Pay is the paid feature and the reason the free tier can exist. On a sent invoice you can request up to 90% of its value. The money lands in one to two business days. The 8% flat fee is only collected once your client actually pays the invoice, so you're not paying upfront for the convenience.
Automated Payment Reminders
Late payments stall a creative business faster than almost anything else. Face Card automatically reminds clients when an invoice is overdue, taking the follow-up off your plate. No more awkward emails. Chasing is the worst part. For freelancers who hate it, that alone can be the deciding feature.
Payment Tracking Dashboard
Face Card pulls every invoice into one dashboard. You see at a glance what's paid and what's still outstanding. If you run several clients at once, it replaces the spreadsheet most freelancers build in their first year and abandon by the second.
Portfolio and Earnings Tools
Beyond the money side, Face Card is built around creative professionals specifically rather than generic small businesses. It's an invoice app for creators, not a stripped-down accounting tool. The platform pairs invoicing and payments with a place to present your work and review your earnings, so your financial history and your portfolio sit together.
No Credit Check, Not a Loan
Instant Pay requires no credit check, carries no interest, and isn't structured as a loan. The fee is a flat 8% rather than a compounding interest rate, which makes the cost predictable when you decide whether to use it.
Pros and cons
Pros
- Invoicing is genuinely free, with unlimited invoices and no processing fees on payments
- Instant Pay funds up to 90% of an invoice in one to two business days, far faster than typical net-30 terms
- The 8% fee is only charged when your client pays, so you aren't out of pocket upfront
- Automatic reminders and a tracking dashboard handle the admin side of chasing payments
- The pricing model means the platform only earns when it actually speeds up your money
Cons
- The 8% Instant Pay fee is high compared with the 2-3% a standard payment processor charges, so frequent use adds up
- It's a web-only product, with no dedicated mobile app for invoicing on the go
- Instant Pay advances depend on clients paying eventually, so it doesn't protect you against a client who simply never does
- The platform is built specifically for the creative industry, so it doesn't fit freelancers in other fields
Frequently asked questions
The invoicing side is free. You pay nothing monthly and no processing fee on invoices you send. The only cost is the 8% flat fee on Instant Pay, and that's charged only when you use that feature and your client pays.
Related content
Explore related tools, skills, and articles for Face Card.
Face Card Alternatives
Liveplan
Palo Alto Software · BusinessLivePlan is business plan software that helps founders and small business owners turn an idea into a funder-ready plan. It combines AI-assisted writing, market research with cited sources, and connected financial forecasting so your income statement, cash flow, and balance sheet move together when you change one number. Over 1.5 million businesses have used it to plan, forecast, and track performance against real accounting data. That's a lot of founders. It's also a signal the tooling survived contact with real lenders.
Swms
Swms AI · Writing · Productivity · BusinessSwms is an AI safety compliance tool that turns a plain description of a job into ready-to-use safety documents. Describe your project, trade, and known hazards, and it writes a safe work method statement, job hazard analysis, safe work procedure, RAMS, or safety data sheet in seconds. It also ships with Oscar, a chat assistant that answers workplace safety questions in any language. Teams in construction, mining, transport, and warehousing use it to cut the paperwork that usually eats into a workday.
Rows
Rows (Superhuman) · Productivity · BusinessRows is an AI spreadsheet and data analysis tool that imports live data from more than 50 sources, then lets you work with it using plain language instead of SQL queries or nested formulas. You can pull numbers out of PDFs, connect ad platforms, databases, and bank accounts, and ask the AI to build reports, merge datasets, or set up models that recalculate themselves. It runs in the browser, works like a spreadsheet, and now sits under the Superhuman umbrella.