Conversational banking, live on WhatsApp

Grow digital finance with conversations on WhatsApp.

Paza lets SACCOs, MFIs, banks and lenders turn everyday banking into secure, self-serve chats — balances, statements, loans, KYC, OTP and collections — connected straight to Meta's WhatsApp Cloud API.

Direct to Meta as an Independent Tech Provider — no BSP markup in the middle.

Built for regulated digital finance providers
SACCOs Microfinance Deposit-takers Banks Digital lenders
Use cases

There's room for a conversation in every banking workflow

Automate routine transactions and turn them into personalised, self-serve finance journeys.

💰 Balance & mini-statements 🧾 Full statements on demand 🤝 Loan application & disbursement Repayment reminders 📥 Collections & follow-ups 🪪 KYC & eKYC onboarding 🔐 OTP & two-factor auth 🔔 Transaction alerts 💳 Card controls & blocks 📈 Savings & deposit nudges 🎫 Support & ticketing 📣 Product & offer campaigns
The platform

Everything you need to run WhatsApp banking at scale

A production-grade foundation with the controls regulated fintechs require.

🔗

Direct to Meta

Connected straight to the WhatsApp Cloud API as an Independent Tech Provider — lower cost, lower latency, full control of features and data.

🧩

Flow engine

Prebuilt, configurable banking journeys with sessions and interactive menus for balance, loans, KYC, OTP and more.

Developer API

A clean REST API with API-key auth and HMAC-signed webhook fan-out that any core banking or lending system can integrate in minutes.

🏢

Multi-tenant

Onboard many institutions with isolated WhatsApp accounts, phone numbers, contacts and conversations under one platform.

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Secure & auditable

Encrypted secrets, signed webhooks, idempotent sends and a strong audit trail across every tenant and action.

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Metered & billing-ready

Usage metering and billing are modeled from day one, ready to graduate to a Meta Solution Partner without a rewrite.

How it works

Go live in three steps

Connect your number

Onboard your WhatsApp Business number through Paza and register it against Meta's Cloud API.

Design your flows

Enable prebuilt banking flows or build your own, and wire them to your core system via our API and webhooks.

Go live & scale

Send and receive at scale with delivery tracking, metering and a full audit trail from day one.

Direct
to Meta Cloud API
Multi-tenant
isolated per institution
Encrypted
secrets & signed webhooks
Audit-ready
every action logged
FAQ

Frequently asked questions

What can Paza do on WhatsApp?

Paza powers conversational banking: balance and statement lookups, loan applications and disbursement, repayment reminders and collections, KYC/eKYC, OTP and two-factor authentication, transaction alerts and support — all as secure, self-serve chats.

Do I need a BSP or aggregator?

No. Paza connects directly to Meta's WhatsApp Cloud API as an Independent Tech Provider, so you avoid aggregator markup and keep full control of your features and data.

How do I integrate my core banking or lending system?

Use the Paza developer API (API-key authenticated) to send messages and read status, and subscribe to HMAC-signed webhooks to receive inbound messages and delivery events in real time. See the API docs.

Is it secure and compliant?

Secrets are encrypted at rest, webhooks are signed and verified, sends are idempotent, and every action is captured in an audit trail. The platform is multi-tenant with strict isolation per institution.

Can multiple institutions use one deployment?

Yes. Paza is multi-tenant: each institution gets isolated WhatsApp accounts, phone numbers, contacts and conversations, with usage metered per tenant.

Ready to bank on WhatsApp?

Open the dashboard to connect a number and enable your first flow, or dive into the developer API.