Termii

Overview

Termii is a customer communication platform focused on transaction messages such as logins, payments, OTPs and fraud alerts. Its customer stories are mostly African fintechs and banks, including Paystack, Moniepoint, PiggyVest and Wema Bank. The platform now has four parts: Signals (the messaging API), Engage (campaigns), Resolve (a shared inbox) and Fraud Guard, run by an AI layer it calls Ayla.

Key features

• REST Messaging API for SMS, WhatsApp, voice and email, with sender ID requests and templates
• Cascade sends that try WhatsApp, SMS, email and voice until one delivers, or let Ayla pick the channel
• Token API for OTPs over SMS, voice, WhatsApp, email and in-app codes
• Webhooks for delivery reports and events, signed with HMAC SHA512
• Phonebook, campaigns and insights endpoints; community SDKs
• Shared inbox for WhatsApp, email, live chat, Instagram and Messenger, with AI handling of inbound requests

Pricing

The homepage says it is free to start and cites a 99.9% uptime SLA. Per-message prices were not available to read.

How it compares to Linq

Termii has no iMessage or RCS, which Linq offers; its channels are SMS, WhatsApp, voice and email. Termii includes WhatsApp and email in the same API, while Linq's WhatsApp is a separate beta API and it has no email. Linq lists flat monthly plans from $260 for Pro with no per-message fees.

Best for

Fintechs and banks in African markets that need reliable OTP and transaction alerts across several channels.

Sources

• web.archive.org/web/20260906071151/https://termii.com
• developers.termii.com
• developers.termii.com/messaging
• developers.termii.com/token
• developers.termii.com/events-and-reports