FinTech · CPaaS Platform

CPaaS for FinTech & Digital Lending

Programmable OTP, alerts and engagement across channels for fintech and lending.

Get Started Free Talk on WhatsApp
Meta Authorised BSP Enterprise Security Fast Integration Pan-India Reach
Overview

FinTechs and digital lenders need fast, compliant, programmable communication — OTPs, transaction alerts, KYC and collections across channels. icpaas.ai (Enterprise Communication Platform)'s CPaaS unifies SMS, WhatsApp, RCS and voice in one developer-friendly API.

Verify users in seconds, automate the lending lifecycle, and run multi-channel collections, all with DLT/Meta compliance and enterprise reliability. Seamlessly integrated with TRAI-compliant pipelines, ensuring robust delivery rates across every network in India.

4+
Channels, 1 API
2-5s
OTP Delivery
98.9%
Uptime
Sandbox
+ Webhooks
Trusted by India's Leading Enterprises
HDFC BANKTATARELIANCEICICIAirtel
What you get

Built for FinTech

One API, all channels

SMS, WhatsApp, RCS and voice via a single integration.

Instant OTP & KYC

Verify users and onboard them in seconds. Engineered to enhance citizen/customer engagement, streamline outbound workflows, and deliver measurable results.

Lending lifecycle

Automate offers, disbursal and repayment alerts. Engineered to enhance citizen/customer engagement, streamline outbound workflows, and deliver measurable results.

Multi-channel collections

Run reminders across SMS, WhatsApp and voice. Engineered to enhance citizen/customer engagement, streamline outbound workflows, and deliver measurable results.

Webhooks & sandbox

Developer-first integration with real-time events.

Compliance built-in

DLT and Meta policy handled at platform level. Engineered to enhance citizen/customer engagement, streamline outbound workflows, and deliver measurable results.

Use cases

How FinTech teams use it

OTP & verification KYC onboarding EMI reminders Collections Disbursal alerts Fraud alerts Support Engagement
Why icpaas.ai

Why FinTech chooses us

  • Developer-first, programmable channels.
  • Sub-5-second OTP delivery.
  • Multi-channel collections that work.
  • Compliance handled for you.
Developer Integration

ICPaaS API Playbook

See how easily your developers can trigger these communications using our robust REST APIs.

Integration Points

Connect your existing database, CRM, ERP, or billing software directly to our high-throughput REST API.

Endpoint: api.icpaas.in/v1/messages

POSTAPI Authentication

All requests must be authenticated using the Bearer token generated from your ICPaaS Dashboard under Developer Settings.

Authorization: Bearer YOUR_ICPAAS_API_KEY
curl -X POST https://api.icpaas.in/v1/messages \
  -H "Authorization: Bearer YOUR_ICPAAS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "to": "+919988776655",
  "type": "template",
  "template": {
    "name": "icp_general_notification",
    "language": {
      "code": "en"
    },
    "components": [
      {
        "type": "body",
        "parameters": [
          {
            "type": "text",
            "text": "Customer"
          },
          {
            "type": "text",
            "text": "Important Update"
          }
        ]
      }
    ]
  }
}'
FAQ

CPaaS for FinTech & Digital Lending — questions answered

Bring CPaaS Platform to your fintech business

Talk to icpaas.ai and launch compliant, enterprise-grade communication built for fintech — go live this week.

Chat on WhatsApp +91 9712222776