Credit and lenders
A credit lead replies once and vanishes. Documents arrive in pieces, the simulation is slow, the installment comes due and nobody warns. Every minute of silence is a proposal the competitor closes first. ZapZap API puts simulation, document collection, approval notices and billing to run on WhatsApp without you typing.
A lead asks for a simulation at 10 pm and you only reply the next day, when they have already closed elsewhere
A document arrives cropped, missing the back of the ID or the proof of income, and the analysis stalls
An approved customer does not know they were approved because the reply gets lost among dozens of conversations
An installment comes due and the billing goes out late, becoming a default that a reminder could have avoided
Renegotiation depends on you remembering every agreement, every date, every agreed amount
An old base of unconverted leads sits idle with no reheating follow-up
The Funnel captures the lead from a link or ad, asks for the desired amount, term and credit type, and the per-instance AI immediately returns a proposal range, 24 hours a day, with no queue.
The Flow Builder guides the customer to send ID, proof of income and a selfie one by one, checks that each piece arrived and only moves on when the package is complete, firing a webhook to your analysis pipeline.
Once the analysis is approved, the Marketer notifies the customer instantly with the amount, the installment and the signature link, and reopens the stalled conversation with a human touch instead of letting the reply get lost.
Due date reminders go out on an automatic cadence, renegotiation proposals reach those who are late, and the cold base of unclosed leads receives reheating follow-ups without you touching anything.
What to use
The ZapZap modules that solve exactly the pain points of this scenario.
Answers simulations, clears up questions about rates and terms and qualifies the lead before handing off to the consultant, with the pitch of each credit operation and without pushing a product before understanding what the person needs.
Builds the document collection pipeline step by step, validates each piece received and branches the service by credit type: payroll, personal, FGTS (severance fund) or vehicle.
Sends approval notices, due date reminders, renegotiation proposals and cold lead follow-ups on a controlled cadence, with community warm-up and an anti-ban layer so the number can handle the volume.
Connects WhatsApp to your analysis pipeline and CRM: document received, proposal accepted and payment confirmed become events your operation consumes in real time.
Examples to get started. Personalize them with the customer's name and your business details.
Simulation flow: lead provides amount and term, the AI returns a proposal range and schedules a callback from the consultant
Document pipeline: guided collection of ID, proof of income and selfie, validating piece by piece before sending to analysis
Billing and renegotiation sequence: reminder 3 days before the due date, notice on the day and a settlement offer for overdue installments
ZapZap API is an unofficial WhatsApp platform that works through instances. It has no affiliation with Meta. Use is subject to WhatsApp policies. Send messages only to customers who have consented to being contacted, and follow the rules that apply to credit offers and collections.
Yes. The per-instance AI receives the desired amount, term and credit type, returns an installment range right away and qualifies the lead before bringing in the consultant. You configure the pitch and the rules for each operation in the dashboard, without exposing any reference to the model or technology behind it.
The Flow Builder guides the customer to send each document separately, checks that ID, proof of income and selfie arrived and only unlocks the next step with the complete package. When it closes, a webhook sends everything to your analysis pipeline, with no document lost in the middle of the conversation.
Yes. The Marketer sends a reminder before the due date, a notice on the day and a settlement proposal to those who are late, all on an automatic cadence. Since billing is per active number and not per message, you reach your whole portfolio at no extra cost per send.
R$15 per active number per month, prepaid, with no charge per message. You provision the numbers your operation needs, get a welcome credit when you create the account, subject to the current campaign, and pay only for the numbers in use. No volume contract and no fee per conversation.
No. ZapZap API is an unofficial API that runs on its own instances, which gives you the freedom to run simulations, collect documents and bill without the template approval bureaucracy. It comes with community warm-up and an anti-ban layer to preserve the health of your operation's numbers.
Create your account, connect a number in minutes and test the API with warm-up and anti-ban. R$15 per active number/month, prepaid, no lock-in.
