Turn WhatsApp into a full banking app
Launch full fintech banking on WhatsApp in minutes.
Meet customers where they already chat. Embed accounts, payments and escrow in WhatsApp; the demo below shows Nigerian NUBANs, NIP transfers and local airtime. Product availability depends on the market.
Built for the Meta WhatsApp Cloud API
Paddle Banking
online · demo
Simulated conversation with sample data.
Every core rail, inside the chat.
Dedicated virtual NUBANs
Issue Nigerian NUBANs through Wema and Providus right inside the chat.
Chat-to-pay transfers
Single and bulk Nigerian NIP payouts, confirmed with the user's PIN.
Social commerce escrow
Milestone trust contracts that protect buyers and sellers selling on WhatsApp and Instagram.
Airtime, data & power
Top up MTN, Airtel, Glo and 9mobile, and buy electricity tokens.
Instant WhatsApp invoicing
Generate shareable payment links and send them straight to a customer's inbox.
Your brand. Your bot. Our rails.
Start building1. Connect your number
Link your WhatsApp Business number to Paddle.
2. Receive messages
Inbound chats arrive on your webhook.
3. Confirm with PIN
Money moves only after the user confirms.
4. Go live
Complete KYB and switch to production keys.
Send a payment link in one call.
Create a payment link and deliver it to your customer's WhatsApp. Confirmation lands on your webhook.
Full WhatsApp API referencecurl --request POST \
--url https://api.getpaddle.online/v1/whatsapp/payment-link \
--header 'authorization: Bearer sk_test_••••' \
--header 'content-type: application/json' \
--data '{
"phone": "2348012345678",
"amount": 5000,
"reference": "order_1042"
}'
# Inbound messages are delivered to your webhook:
# https://api.getpaddle.online/v1/whatsapp/webhookNo app download
Users bank in the chat they already open daily
NIP
Transfers to 120+ Nigerian banks
PIN-confirmed
Every money movement verified by the user
Paddle Build Studio
Want us to build it with you?
Build for Africa and the world. Our team can deliver your fintech, web or mobile product in 2–3 weeks — or integrate Paddle APIs and build it yourself.