Secure, Compliant
Customer Communication
OTP delivery, transaction alerts, loan onboarding automation and secure customer communication — delivered through authorized connectivity infrastructure with DLT-registered Sender IDs.
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When Every Alert Is Time-Critical
Financial communication has zero tolerance for delay or downtime. Messagify delivers OTPs and transaction alerts over DND-exempt, DLT-registered SMS routes alongside WhatsApp Business API, so time-sensitive messages reach customers reliably, every time.
Beyond alerts, the platform automates loan and account onboarding journeys — document collection, status updates, and follow-ups — cutting manual back-and-forth between relationship managers and applicants.
Banking & Finance Use Cases
OTP for Login, Payments & e-Mandates
Deliver one-time passwords for net banking login, card-not-present payments and e-mandate authorisation over DLT-registered SMS, with a WhatsApp Authentication template as an additional channel.
EMI Due-Date & Collection Reminders
Send a sequence of reminders before and on the EMI date, with the amount due and a payment link — escalating from WhatsApp to SMS — so fewer accounts slip into early delinquency.
Loan Application Status Journeys
Keep applicants updated at every step — documents received, under verification, sanctioned, disbursed — so relationship managers field fewer 'what's the status?' calls.
KYC Re-verification & Document Requests
Prompt customers when KYC documents are due for periodic update, and collect missing documents through a guided WhatsApp conversation linked to your secure upload page.
How Messagify Helps
Transactional OTP Routes
OTPs sent as transactional SMS on DLT-registered routes, which DND preferences don't block.
Transaction Alerts
Real-time debit, credit and balance alerts across SMS and WhatsApp.
Loan Onboarding Automation
Automated document requests, status updates and reminders through the application journey.
Sender ID & Template Registration
DLT-registered Sender IDs and templates, handled end-to-end as part of onboarding.
Secure by Design
Authorized connectivity infrastructure built for the reliability and audit needs of financial services.
Sample Message Templates
Examples of the messages banking & finance businesses send with Messagify. Variables use each channel's usual syntax: {{1}} for WhatsApp templates and {#var#}, the placeholder most DLT portals use, for SMS. Every template is approved by Meta or registered on DLT before use.
Login OTP
{#var#} is your OTP to log in to {#var#}. Valid for 5 minutes. Do not share this OTP with anyone. - {#var#}
Payment OTP
{{1}} is your verification code. For your security, do not share this code.
EMI reminder
Dear {{1}}, your EMI of ₹{{2}} for loan account ending {{3}} is due on {{4}}. Please ensure sufficient balance or pay using the link below.
Loan status update
Dear {#var#}, your loan application {#var#} has been {#var#}. For details, visit {#var#} - {#var#}
Good to Know
Commercial SMS must go out under registered headers using registered content templates, in which the fixed text and each variable portion are identified at registration.
Source: TRAI TCCCPR, 2018 (consolidated)
Sender headers now end in a suffix that shows the message type: -T transactional, -S service, -P promotional and -G government. Customers can tell a bank alert from an advert at a glance.
Source: TRAI TCCCPR (Second Amendment), 2025
One-time passcodes on WhatsApp must use the Authentication template category, which comes with a copy-code or one-tap autofill button.
Source: Meta authentication templates documentation
Send OTPs as transactional SMS on your own DLT header or as WhatsApp Authentication templates, from the same platform.
Source: Messagify SMS and WhatsApp Business API
Relevant Communication Tools
Related Guides
Frequently Asked Questions
OTPs go out as transactional SMS on DLT-registered routes, which DND preferences don't block, with a delivery report for every message so your team can monitor delivery. A WhatsApp Authentication template can be added as a second channel.
Yes. SMS routes use DLT-registered Sender IDs and templates, and we handle the registration process as part of onboarding, built to support applicable messaging and regulatory requirements.
Yes, using WhatsApp's Authentication template category, which supports a copy-code button. Most lenders and fintechs keep SMS as the primary or fallback OTP channel, since it doesn't depend on the customer having WhatsApp or mobile data.
Under TRAI's regulations, transactional messages (such as OTPs) and service messages to your own customers about a product they already have aren't treated as unsolicited commercial communication, so DND preferences don't block them. Cross-selling new loans or cards is promotional. It must include an opt-out and only reaches customers who haven't blocked promotions or who have given explicit consent.
Document collection, status updates and follow-up reminders can all be automated across WhatsApp and SMS, reducing manual back-and-forth for relationship managers.
Yes. Alerts and status updates can be sent via the Messagify API from your core banking system, loan origination system or collections software, with delivery reports returned through webhooks.
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