Termii

Name: Termii
Brand: Termii

Multi-channel messaging API for OTPs and transaction alerts across Africa.

softwareAPI Toolsnigeriaafricamessaging-api

What is Termii?

Termii is a communications API platform built in Nigeria that lets fintechs, banks, and e-commerce businesses send OTPs, payment confirmations, and fraud alerts through SMS, WhatsApp, voice, and email from a single integration. It processes billions of transactions annually across more than 190 countries, with AI-based delivery routing that automatically fails over between channels if one degrades, plus SOC 2 and ISO 27001 compliance for regulated customers.

SpecificationsAI-estimated

deploymentCloud/SaaS

open source❌ No

api available✅ Yes

support optionsDeveloper docs, help center, enterprise support

key integrationsSMS carriers, WhatsApp Business API, email providers

Key Features of Termii

Sends OTPs, payment confirmations, and alerts through SMS, WhatsApp, voice, and email from one API.

Uses AI-based routing to score delivery confidence in under 50 milliseconds and pick the best channel.

Automatically fails over to alternate channels if a message's primary delivery path degrades.

Applies real-time fraud scoring based on velocity, device, geography, and behavior.

Handles inbound customer replies across channels with a high rate of autonomous resolution.

Holds SOC 2 Type II and ISO 27001 certifications for regulated fintech and banking customers.

Supports message delivery across more than 190 countries with a 99.9 percent uptime SLA.

Use Cases for Termii

OTP delivery for fintech signup

Banks and fintech apps use Termii to send one-time passwords reliably during account verification.

Payment confirmation alerts

Payment processors use Termii's multi-channel API to notify customers instantly when a transaction completes.

Fraud alerting

Financial institutions use Termii's real-time fraud scoring to flag and notify customers of suspicious activity.

Pros & Cons of Termii

Pros

Multi-channel failover improves delivery reliability compared to single-channel SMS providers
Strong compliance posture (SOC 2, ISO 27001) suited to banks and fintechs
Pay-per-message pricing with no upfront commitment
Deep focus on African markets alongside broad international coverage

Cons

WhatsApp and voice channels cost significantly more per message than basic SMS
Full rate card for non-Nigerian destinations requires contacting sales
Best suited to developers comfortable integrating an API rather than non-technical users

Frequently Asked Questions

What channels does Termii support?

Termii supports SMS, WhatsApp, voice, and email messaging through a single unified API.

Is there a free trial?

Yes, Termii provides free trial credits upon registration before moving to pay-per-message billing.

Does Termii work outside Nigeria?

Yes, Termii processes messages across more than 190 countries, though it originated in and has strong ties to the Nigerian and broader African fintech market.

Pricing Overview

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Freemium

Pay as you go

0.0107

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