OTP & authentication
Deliver one-time passwords as Meta authentication conversations — cheaper than SMS in most markets, with read receipts.
Platform FeaturesEverything you need across WhatsApp, Instagram & Messenger
WhatsApp Team InboxOne number, many agents — zero missed chats
Instagram InboxDMs, story replies & comments in one place
Messenger InboxPage DMs & post comments as conversations
AI Agent (RAG)A smart agent trained on your own business data
Multiple Human Live ChatHandle chats from several agents at once
Ask AIAI-powered smart replies & suggestions
Chatbot Flow BuilderBuild automated reply flows, no coding needed
Retarget Users on WhatsAppRe-engage past contacts with targeted messages
WhatsApp SchedulerSchedule messages for the perfect moment
Import, Broadcast & TrackBulk send campaigns & monitor delivery rates
Ads that Click to WhatsAppTurn ad clicks directly into WhatsApp chats
Multi-Agent Live ChatOne number, many agents — zero missed chats
Connect No Code A.I. ChatbotsPlug in AI bots with zero lines of code
Broadcast Unlimited CampaignsSend mass messages with no restrictions
No Banning IssueStay safe with 100% Meta-compliant messaging
Industries We PowerPurpose-built WhatsApp automation for every sector
Education & EdtechCoaching, Institutes & Online Learning
Banking & FintechDigital Payments, Lending & Finance
HealthcareClinics, Hospitals & Wellness
Events & WebinarConferences, Meetups & Live Events
EcommerceOnline Stores, D2C & Marketplaces
Real EstateAgents, Developers & Property Listings
IT Services & InternetTech Support, SaaS & Web Services
Offline & RetailStores, Outlets & Local Businesses
HR & RecruitmentHiring, Onboarding & Talent Acquisition
Spas & SalonsBookings, Promotions & Client Loyalty
AutomobileDealerships, Service Centers & Rentals
Travel & TourismBookings, Tours & Hospitality
Marketing AgenciesCampaigns, Leads & Client Updates
GovernmentPublic Services & Citizen Engagement
Gym & Fitness CentersMemberships, Classes & Reminders
Banking & Financial Services
WhatsApp Business API for Banking & Fintech
On Cloud API lets banks and fintechs deliver one-time passwords, transaction alerts and payment reminders over WhatsApp, using the official Meta Cloud API with 0% markup on Meta’s rates. OTPs are billed as Meta authentication conversations, which are typically far cheaper than SMS and deliver with read receipts. Every message is opt-in and sent from a Meta-verified business number, so it cannot be spoofed the way an SMS sender ID can.
Readreceipts on every OTP
Verifiedsender — no spoofing
0%markup on Meta rates
What banking & fintech teams automate on WhatsApp
Transaction alerts
Notify customers of debits, credits and card activity the moment they happen.
Payment & instalment reminders
Send due-date reminders with a payment link and confirm receipt automatically.
KYC document collection
Collect identity documents securely inside the chat instead of over email.
Balance & statement requests
Let customers self-serve balances and statements through a bot, cutting call-centre volume.
Fraud verification
Confirm suspicious transactions with a tappable Yes / No prompt in seconds.
Banking & Fintech on WhatsApp, market by market
Rates, payment methods and compliance differ by country. Pick yours for the local detail.
Banking & Fintech — common questions
Can banks send OTPs over the WhatsApp Business API?
Yes. OTPs are sent as Meta authentication conversations from a verified business number, and they arrive with delivery and read receipts. In most markets an authentication conversation costs less than an SMS.
Is WhatsApp secure enough for financial messaging?
WhatsApp messages are end-to-end encrypted in transit, and messages come from a Meta-verified business number that cannot be spoofed the way an SMS sender ID can. Customers must opt in before you can message them.
Is the WhatsApp Business API compliant for banks?
On Cloud API is built on Meta’s official Cloud API with opt-in-only sending and Meta-approved templates, and is designed to support compliance with regimes such as PDPL and CBUAE expectations in the UAE, GDPR in the UK, and TCPA in the United States. It is not a certification — your own compliance team should review your use case.
How much does a WhatsApp OTP cost?
OTPs are billed by Meta as authentication conversations at the rate published for your country, and On Cloud API adds 0% markup. Exact per-country rates are listed on each of our country pages.
Ready to run banking & fintech on WhatsApp?
Go live in 10 minutes on the official Meta Cloud API — with 0% markup on Meta rates.