Fintech & Financial Services Automation
WhatsPortal delivers personalised EMI reminders to borrowers on WhatsApp before the due date — with the amount, due date, and a direct payment link. SMS reminders get ignored. WhatsApp reminders get acted on.
Official Meta BSP · INR pricing via Razorpay
01
A borrower has the money in their account. They simply forgot the EMI was due. An SMS reminder was sent — but it sat unread among 30 other promotional messages. The EMI is missed. Your NPA metric goes up unnecessarily.
02
Collection calls for missed EMIs are expensive — ₹150–300 per call, per missed borrower. At scale, this is a significant collections cost for payments that reminder automation could have prevented.
03
Borrowers who receive impersonal, generic SMS reminders don't feel like valued customers. A personalised WhatsApp with their name, loan account, amount, and a direct UPI link is a different experience — and a different outcome.
The solution
Send reminders 7 days before, 3 days before, and on the due date. Each escalates appropriately — from a friendly heads-up to a clear due-today notice.
Every message includes the borrower's name, loan account number, EMI amount, due date, and a direct payment link. Not a template blast — a specific, relevant communication.
Include your payment gateway URL or UPI link in the reminder. Borrowers tap and pay immediately — reducing the friction between intent and action.
Borrowers who miss the due date get an automatic follow-up with a clear escalation message — reducing the need for manual collection calls on routine late payments.
How it works
Connect your loan management system
Export EMI schedules or connect via webhook. WhatsPortal maps each borrower's due dates and triggers reminders automatically.
Configure your reminder sequence
Set the timing, messages, and escalation logic. Payment link is included automatically in every reminder.
Collections focus on genuine defaults
Borrowers who just needed a reminder pay on time. Your collections team focuses on actual delinquencies — not routine follow-up.
Automated credit log
Application data and document verification logs are pushed to your loan management system or CRM database instantly.
Suresh P.
FlexiLoans
Hello Suresh! We received your application for a Personal Loan at FlexiLoans. 💳
2:30 PM ✓✓
To complete your application, we need to verify your KYC documents. You can upload them here.
2:30 PM ✓✓
Upload PAN Card
2:31 PM ✓✓
Please share a photo of your PAN Card. Make sure the details are clearly visible.
2:31 PM ✓✓
📸 Attached my PAN card image
2:32 PM ✓✓
PAN Card received successfully! Let's proceed to the next step. ✅
2:32 PM ✓✓
Example conversation — automated by WhatsPortal
What our customers say
“We reduced early-stage NPA by a measurable amount after adding WhatsApp EMI reminders. Most of our 'missed EMI' cases were people who simply forgot — and WhatsApp reaches them in a way SMS never did.”
Live
WhatsApp reminders achieve 5–7x higher read rates than SMS for financial communications
< 1 min
Average setup time for standard workflows
3×
Increase in response rates compared to email alerts
₹0
Get started for free — free plan included
FAQ
Yes. Home loans, personal loans, business loans, and auto loans can each have separate reminder flows — different message tone, different payment links, different escalation paths.
Yes. When a borrower replies, the message comes into your shared team inbox. Your collections or customer service team can respond with context — full conversation history visible.
WhatsPortal sends messages through the official WhatsApp Business API as an approved Meta BSP. For RBI compliance specifics, consult your compliance team — we ensure the delivery infrastructure is official and traceable.
Free plan: ₹0, 100 messages/month. Standard: ₹1,199/month (5,000 messages). Premium: ₹2,499/month (unlimited). All in INR via Razorpay.
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No credit card required. Free plan available. Official Meta BSP.
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