Chipper Cash eliminated OTP drop-off and scaled verification across 7 African countries.
- Active users
- 4M
- African countries
- 7
- Daily transactions
- 80,000
Active users
African countries
Daily transactions
3B+transactions processed
Every Guaranteed .
Prevent transactions like logins, payments, checkouts, fraud alerts, and OTPs from failing — using AI, across SMS, WhatsApp, voice and email.
Free to start · 190+ countries · 99.9% uptime SLA
Trusted by leading fintechs, banks and institutions globally
Read all stories
3B+transactions processed
190+countries reached
99.9%uptime SLA
<50mssignal scoring
4channels, one API
24/7monitoring & DDoS protection
Transaction triggered. OTP sent.But did it arrive?
Platforms send and forget. But the cost of these failures is real.
OTP never arrives
Customer abandons login or checkout. The session times out. They don't retry.
Fraud alert fires too late
By the time it reaches your customer, the suspicious activity has already gone through.
Payment fails
Customer attempts payment at 2am. Vendor OTP never arrives. Silent failures for hours before anyone notices.
No fallback path
One channel, everything stops. No automatic second attempt. Just silence.
Multiple transactions.Failures avoided.
Your first signal in three lines of code.A REST API that respects your time.
Grab an API key, paste a snippet, ship. Score, route and send across SMS, WhatsApp, voice and email from a single call — set channel: "auto" and Ayla picks the path.
Node.jsPythonPHPJava
13 signed webhook event types, HMAC-SHA256
signal.scored → … → agent.task.escalated
send.sh
bash
curl -X POST https://api.ng.termii.com/api/sms/send \ -H "Content-Type: application/json" \ -d '{ "to": "2348012345678", "from": "Termii", "sms": "Your OTP is 492013. It expires in 5 minutes.", "type": "plain", "channel": "dnd", "api_key": "YOUR_API_KEY" }' 200 · Response
{
"message_id": "1690896018417588518",
"message": "Successfully Sent",
"balance": 11.5,
"user": "Termii"
}Integrations
Works with the stack you already run on
Connect Termii to your existing tools in minutes — communication channels, automation platforms, cloud services and CRMs. No rip-and-replace, no new infrastructure to manage.
Don’t see your tool? Termii exposes a full REST API — Explore the API →
From API call to confirmed delivery.One infrastructure layer. Every channel.
01
Ingest
Signal enters Termii
02
Score
Predicted in <50ms
03
Route
Optimal path selected
04
Send
Signal dispatched
05
Confirm
Delivery verified
06
Recover
Agents close the loop
Signals fan out across four channels — with automatic failover when a route degrades.
SMSTransactional & promotional
VoiceText-to-speech calls
WhatsAppConversational messaging
EmailNotifications & verification
Every interaction,across your entire stack.
OTP & Authentication
Verifications that arrive every time
Login OTPs, step-up auth, and onboarding verifications delivered on the highest-confidence channel. No more abandoned sessions because a code never arrived.
Fraud Detection
Block bad actors. Clear real customers.
AI fraud scoring on velocity, device, geography, and behaviour assessed in parallel before the signal completes. Genuine customers never feel friction they didn't cause.
Payment Signals
Confirmations that land
Transfer confirmations, balance alerts, and debit notifications routed intelligently across SMS, WhatsApp, email, and voice.
Transactional Alerts
Alerts that arrive on time
Account activity, limit breach alerts, and compliance notifications delivered with automatic fallback. Even when your primary channel is degraded, the alert finds another way through.
Customer Engagement
The right message, at the right moment
Loyalty nudges, cashback alerts, onboarding sequences, and product offers delivered on the channel each customer actually responds to. Not batch-and-blast. Personalised at scale.
Customer Resolution
Every request handled, across every channel
Inbound requests via WhatsApp, SMS, Instagram, Messenger, email, and voice resolved autonomously by Ayla — payment queries, OTP issues, account problems, and more. 94% closed without a human.
Meet Ayla.The intelligence layer behind every decision.
Ayla
Ayla is online
Monitoring 3B+ transactions annually
Ayla is the AI engine Termii is built on. Trained on 3B+ real transaction signals — she scores, routes, monitors, and resolves so your engineers can take a break.
- Scores every signal in <50msDelivery confidence, fraud risk, and channel health — pre-execution.
- Trained on 3B+ real transactionsAcross emerging and global markets — continuously improving.
- Monitors 24/7 — no configuration neededNo thresholds to tune, no dashboards to maintain.
- Ask Ayla anything in the dashboardTransaction health, anomalies, fraud patterns — natural language.
Built for regulated industries.Certified, licensed and audited.
3B+
Transactions processed
190+
Countries reached
99.9%
Uptime SLA
Termii is certified, licensed, and audited to meet the data protection, financial regulation, and compliance requirements of banks, fintechs, and institutions globally.
Proof, not promises. How teams ship on Termii.
Umba
Umba verifies and authenticates millions of digital banking transactions in Nigeria.
- Revenue / quarter
- 2×
- OTP channels
- 3
- Transactions verified
- Millions
Revenue / quarter
OTP channels
Transactions verified
Paystack keeps businesses and buyers connected — every transaction, every time.
- OTP delivery
- Transaction alerts
- Verification
Moniepoint helps millions manage their finances — without a single missed signal.
- Secure OTP
- Transaction alerts
- Fraud Guard
Trusted by Africa’s best
The companies that run on Termii’s signal layer
Ready to start
Your customers trust you at the moment that matters most
Every OTP, payment signal, fraud check, and alert is a promise. Termii makes sure you keep it.