99.9%
Secure OTP Delivery
Critical login pins and checkout passwords delivered securely to avoid user transaction failures.
2x
Collection Speeds
Speed up monthly loan installment payouts via automated billing alert reminders.
100%
Regulatory Compliant
Official WhatsApp channels ensure complete security and end-to-end transaction encryption.

Smart Finance

Securing and Streamlining Financial Dialogues

The Pain Point

SMS OTP Delivery Failures

Network congestion delays traditional SMS OTP delivery, causing payment authorization drops and cart dropouts.


AiWapi Solution

Official WhatsApp OTPs

Bypass cellular SMS blocks. Route critical OTP codes via Meta secure channels, reading in under 10 seconds.

The Pain Point

High Loan Payment Defaults

Borrowers ignore standard email and SMS installment warnings, raising EOD collection costs and defaults.


AiWapi Solution

EMI Alert Reminders

Send automated EMI schedules containing direct bank checkout payment links, letting buyers authorize clearing in chat.

The Pain Point

Phishing and Trust Issues

Customers struggle to differentiate genuine banking alerts from online phishing scams, reducing click trust.


AiWapi Solution

Official Green Verified Badges

Secure verification credentials showing a official Green Tick verification badge next to your banking header name.

How it Works

Secure Verification Workflow

1

Login/Action Requested

A customer initiates a login attempt or withdrawal request in their mobile banking interface.

2

Secure OTP Generated

Your authentication back-end generates a one-time verification passcode and requests a secure WhatsApp transaction template.

3

Delivered Instantly

The user receives the secure OTP bubble on WhatsApp. They complete the validation sequence safely.

API Mockups

Official Meta WhatsApp Templates

Official WhatsApp Templates allow you to bypass 24-hour message restrictions and deliver structured notifications containing scannable media headers and quick-reply action buttons.

  • Interactive Action Buttons

    Prompt instant clicks for checkout pages, support rooms, or review catalogs directly from templates.

  • Dynamic Media Headers

    Broadcast scannable discount barcodes, invoice PDFs, or check-in lists securely to user chats.

Core Features

How WhatsApp API Powers Finance

Secure OTP Distribution

Send transaction verification codes and account registration OTPs via end-to-end encrypted routes with 99% open rates.

Payment Alerts & EMIs

Automate debt collection reminders, loan installment dues warnings, and subscription billing receipts containing direct payment links.

Account & Balance Inquiries

Let users check account ledger balances, verify recent transaction histories, and download statements in-chat.

Lead & Eligibility Checking

Qualify credit card and personal loan applications, calculating borrowing capacities and processing document uploads 24/7.

Questions & Answers

Finance FAQs

Yes. You can integrate payment gate (Razorpay, Paytm) checkout links inside billing alerts, so users can complete installment transactions instantly in chat.

OTP alerts are sent using official Meta transactional endpoints. The data is end-to-end encrypted and delivery logs are tracked inside your secure dashboard.

Yes. After verifying the customer's credentials (via OTP or code check), the system generates the balance report and sends a password-protected statement PDF file directly.

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