Fintech · 2FA · Transaction Alerts

Messaging API for fintech

Secure transactions with OTP verification, alert customers to account activity, and prevent fraud with real-time SMS and WhatsApp messaging.

Key Features

High-reliability OTP delivery

<200ms average delivery time via direct carrier routing. Automatic failover to secondary carrier if primary delivery fails — critical for login and payment 2FA.

Transaction alerts

Alert customers instantly via SMS or WhatsApp when a payment is made, a card is used, or account activity is detected — with full transaction details.

Fraud prevention messaging

Send real-time fraud alerts and request customer confirmation for suspicious transactions directly via WhatsApp or SMS.

Compliance-ready

Delivery receipts, audit logs, and message history retained for 90 days on Business plans. API access to logs for your compliance reporting.

Code Example

// Transaction alert + OTP confirmation
const alert = await client.sms.send({
  to: user.phone,
  body: `Payment of ${amount} to ${merchant}. \nNot you? Reply STOP or call us.`,
})

// High-value transaction: require OTP confirmation
if (amount > 5000) {
  const otp = await client.verify.send({
    to: user.phone,
    channel: 'sms',
    expiresIn: 120,
  })
  // Store otp.sessionToken for verification step
}