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
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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.
13 signed webhook event types, HMAC-SHA256
signal.scored → … → agent.task.escalated
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" }'{
"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.
Ingest
Signal enters Termii
Score
Predicted in <50ms
Route
Optimal path selected
Send
Signal dispatched
Confirm
Delivery verified
Recover
Agents close the loop
Signals fan out across four channels, with automatic failover when a route degrades.
Every interaction,across your entire stack.
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.
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.
Confirmations that land
Transfer confirmations, balance alerts, and debit notifications routed intelligently across SMS, WhatsApp, email, and voice.
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.
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.
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 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, all scored pre-execution.
- Trained on 3B+ real transactionsAcross emerging and global markets, continuously improving.
- Monitors 24/7 with no configuration neededNo thresholds to tune, no dashboards to maintain.
- Ask Ayla anything in the dashboardTransaction health, anomalies and fraud patterns, in 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.
Ideas, guides and updates. For better customer communication.
Trusted by Africa’s best
The companies that run on Termii’s signal layer
Everything you need to get started. Guides for Resolve, Engage, Signals and Fraud Guard.
Resolve
One shared inbox for WhatsApp, Email, Live chat, Instagram and Messenger. Respond, resolve and close every request.
Help guide Coming soonEngage
AI-powered campaigns, segments and journeys across SMS, WhatsApp and email, at exactly the right moment.
Help guide Coming soonSignals
Your messaging control layer: sender IDs, devices, routing and failover across SMS, WhatsApp, Voice and Email, all in one place.
Help guide Coming soonFraud Guard
Real-time detection at the transaction level: velocity, device, geography and behaviour, checked before harm can occur.
Help guide Coming soon
“Since we made the switch to Termii, we have seen a considerable difference in the amount of SMS drop-off and a steady uplift in successful OTP delivery. We've been able to localise SMS delivery in two of the countries we operate in. All in all, a much better and cost-effective service.”
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.