Termii

Termii is an AI-native platform for banks, fintechs, payment processors, and telecom teams to deliver critical transaction messages reliably.

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Overview

Termii is an AI-native signal reliability platform for transaction-driven businesses that need logins, payments, fraud alerts, OTPs, and other critical messages to arrive and complete reliably. The product combines prediction, routing, fraud detection, automated resolution, and customer messaging in one system.

The site positions Termii for banks, fintechs, payment processors, telecom and mobile money teams, e-commerce and retail, and fraud or compliance teams. Its documentation describes REST APIs, webhooks, and official SDKs, while the pricing page presents self-serve plans alongside custom contracts for larger deployments.

Features

AI Prediction

Scores a signal before it is sent, using delivery confidence, channel health, and fraud risk so teams can decide whether to proceed or reroute.

Dynamic Routing

Evaluates channels and vendors in real time, then switches to the best available path or fails over when a route degrades.

Fraud Guard

Applies real-time fraud scoring, velocity checks, device fingerprinting, and custom risk rules to transaction traffic.

Workflow Agents

Uses AI agents to retry failed signals, reroute traffic, escalate issues to Slack, SMS, or email, and close routine support loops.

Engage and Resolve

Supports customer outreach and transactional messaging across SMS, email, WhatsApp, and voice, with send-time optimization and delivery confirmation in Engage.

Use Cases

OTP and login delivery
Use AI prediction and dynamic routing to improve the chance that OTPs, login confirmations, and verification messages are delivered before the customer abandons the flow.
Fraud screening and risk checks
Apply fraud scoring and transaction-level checks to payment attempts, fraud alerts, and reset PIN workflows before they complete.
Multi-channel transaction alerts
Route alerts, notifications, and customer updates across SMS, email, WhatsApp, and voice so critical transaction messages have fallback paths when a primary channel degrades.
Automated failure resolution
Use Workflow Agents and Resolve to retry failed deliveries, escalate exceptions, and close routine support requests with less manual intervention.
Customer engagement and support
Use Engage and Resolve for customer messaging and issue handling in teams that need both outbound campaigns and inbound transaction support in one system.

Pros and Cons

Pros

Combines prediction, routing, fraud checks, workflow automation, and customer messaging in one platform.
Supports multiple communication channels, including SMS, voice, email, WhatsApp, Instagram, and Messenger in the published materials.
Offers developer documentation, sandbox access, and official SDKs for several common languages.
Provides pricing options for self-serve teams as well as custom arrangements for high-volume customers.
Includes usage tracking, overage handling, and plan controls in the pricing flow.

Cons

The public sources do not provide a full integration matrix beyond REST APIs, SDKs, webhooks, and a few supported languages.
Some capabilities are plan-dependent, so the exact feature set varies across Starter, Growth, Scale, and custom contracts.

FAQ

Can I change plans later?

Yes. The pricing page says you can upgrade, downgrade, or cancel from the billing dashboard. It also says upgrades take effect immediately, while downgrades apply at the end of the billing period.

Does the API replace the existing version?

The documentation states that Termii API v2 is additive and that existing v1 endpoints are unchanged.

What developer tools does Termii provide?

Termii documents REST API access, sandbox access, webhooks, and official SDKs for Node.js, Python, PHP, Java, and more.

Which channels can Termii work with?

The source material shows support for SMS, voice, email, WhatsApp, Instagram, and Messenger across the product pages and pricing table, but the exact channel set depends on the plan and product area.

Quick Facts

Category: AI-native transaction reliability platform
Primary users: Banks, fintechs, payment processors, telecom and mobile money teams, e-commerce, and fraud/compliance teams
Developer access: REST API, API reference, webhooks, sandbox, and SDKs
Supported SDKs: Node.js, Python, PHP, Java, and more
Website: termii.com
Pricing model: Self-serve plans plus custom contracts