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For Fintech + Financial Services

WhatsApp API for fintech: OTPs, KYC and payment reminders.

Fintechs, lenders and NBFCs use Flaxxa WAPI to send OTPs with WhatsApp authentication templates, KYC nudges, payment and EMI reminders and statements, with HMAC-signed webhooks and Flaxxa's SOC 2 and ISO 27001 compliance behind it.

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Authentication · OTP

Your login code is 8 4 7 2 9 1 · valid for 5 mins.

Don't share. Flaxxa Bank will never ask.

Utility · KYC reminder

Aanya, please complete KYC by Aug 31 to keep your card active.

Upload PAN

webhook · HMAC verified

X-Flaxxa-Signature: sha256=a4f2c…

✓ verified · signature checked

OTP

authentication tier · audit log

Native authentication tier
OTP
Signed webhooks
HMAC
and ISO 27001 compliant
SOC 2

01 / 04

What does the customer journey look like today?

Fintech CX runs on a different hardness curve than D2C. Card data has to stay out of the messaging tool. KYC reminders have to cite which document is missing. Card-block notifications have to reach the customer fast and fail loudly if they don't. Audit trails have to satisfy the regulator.

Most BSPs aren't built for this — their authentication-tier templates are an afterthought, their audit logs are spotty, and their HMAC webhook verification is "available on request". The compliance team blocks the WhatsApp launch and the marketing team gets the blame.

02 / 04

What does Flaxxa WAPI do for fintechs?

WAPI's authentication-tier templates are first-class — Meta's lower-cost OTP / authentication category is a build-time choice, not a config flag buried five menus deep. Webhook payloads are HMAC-SHA256 signed by default.

Authentication-tier templates

One-time passwords and login codes as Meta authentication templates, priced below marketing.

HMAC-signed webhooks

Every payload signed with SHA-256 + workspace secret. Verify before processing.

Workspace audit log

Agent actions, configuration changes and API calls, recorded per workspace.

Card data stays with the gateway

Card payments run on your Razorpay, Stripe or PhonePe checkout; Flaxxa never sees card numbers.

Statement delivery as document

Native PDF document message support — statements as proper documents, not links.

03 / 04

Compliance posture

What the security team will ask about — answered ahead of time.

  • Flaxxa is SOC 2 and ISO 27001 compliant.
  • SAML single sign-on, SCIM provisioning and two-factor login.
  • A workspace audit log of agent actions, configuration changes and API calls.
  • HMAC-SHA256 signed webhooks.

04 / 04

What results can a fintech team expect?

What changes when WhatsApp becomes a compliance-grade rail.

  • Security reviews start from SOC 2 and ISO 27001 compliance, SSO and an audit log already in place.
  • OTPs arrive as authentication templates in an app customers already have open.
  • Card and account alerts reach customers on WhatsApp, with delivery and read status for each message.
  • KYC reminders can name the missing document and link straight to the upload page.
FAQ

WAPI for Fintech + Financial Services: common questions

Frequently asked questions

Yes. Authentication templates send one-time passwords through the official WhatsApp Business API.

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