If you can find a list of ingredients, you may be able to search on those, and see what reactions is exothermic. That means the reaction releases heat. Many reactions do this, some when two reactants are mixed., some when they're simply dissolved in water, or when they're mixed with air (which is technically the same as the first one, just not in the ingredients list, you have to remember its there -- likewise water from your skin and your own dead outer skin layer.) These reactions are common, and well known, and they could be on the web, with a bit of searching. Maybe people make their own warming facials, they'll have ingredients in common with the commercial products.