Starter
$199/month
Lenders taking their first applications on WhatsApp.
- WhatsApp onboarding, 1 number
- AI ID + face checks
- Up to ~300 applications/month
- $400 one-off setup (2-week go-live)
Pricing
Simple plans that grow with your loan book
Start taking loan applications on WhatsApp in two weeks. Add every channel, your LMS and collections when you are ready.
Applications over your allowance are never turned away
Growth
Most deals$449/month
Lenders scaling across channels with an LMS of their own.
- Onboarding on WhatsApp, Messenger and a chat widget on your website
- Collection Intelligence included
- LMS hand-off integration
- $1,000 setup, included on annual
Enterprise
Quote
Regulated institutions running at volume.
- Banks and Tier-A lenders
- Volume pricing per application
- SLA + compliance support
- From ~$1,000/month
All plans include the review cockpit, CSV exports and email alerts for your team. Prices in US dollars.
Not ready to commit? Start with a paid pilot $500
We set your bot up on your WhatsApp number with your own loan products and ID checks, and you run it with real customers. When the pilot succeeds and you go live, the $500 comes off your setup fee — Growth setup drops from $1,000 to $500, and Starter setup is covered in full.
Compare plans
What each plan includes
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Customer Self-Service | |||
| WhatsApp onboarding bot | 1 number | Up to 3 numbers | Unlimited |
| Facebook Messenger | — | ||
| Chat widget on your website (we add it for you) | — | ||
| AI ID and face (selfie) checks | |||
| Applications a month | ~300 | ~1,500 | Volume-priced |
| Review cockpit, exports and staff email alerts | |||
| Lend and recover | |||
| LMS hand-off (clients, documents, loans, product sync) | — | ||
| Collection Intelligence | — | ||
| WhatsApp broadcasts (per message) | — | ||
| Loan Management (run your loan book on Bankify) | — | — | |
| Core Banking (accounts, ledger, reconciliation) | — | — | |
| Service | |||
| Setup | $400 one-off | $1,000, included on annual | Scoped |
| Paid pilot ($500, credited to setup) | On request | ||
| SLA and compliance support | — | — | |
Setup
What your setup covers
One-off: $400 on Starter, $1,000 on Growth — included on Growth when you pay annually. A paid pilot is credited against it.
Your WhatsApp number, connected
We connect your WhatsApp Business number and give your bot its name and voice.
Your loan products, loaded
Amounts, terms, fees and the documents each product asks for.
ID and face checks, tuned
The checks your credit policy needs, on the documents your customers carry.
A chat widget on your website
Growth: we give you one line of code — or add it for you — so visitors apply on your site. Messenger too.
Your LMS, connected
Growth: approved applications are booked in your loan system, and your products sync from it.
A guided go-live
Your team is trained on the cockpit and the first applications are watched together.
FAQ
Pricing questions
What happens if we go over our monthly applications?
Nothing is switched off. Every customer who messages your bot is served. We let you know at 80% and 100% of your plan’s allowance so you can decide whether a bigger plan makes sense — the allowance is a guide, not a wall.
What does the setup fee cover?
Connecting your WhatsApp number, your bot’s name and loan products, the ID and face checks, and a guided go-live with your team. On Growth it also covers adding the chat widget to your website, Messenger, and connecting your LMS. Setup is $400 on Starter and $1,000 on Growth — included on Growth when you pay annually. Starter goes live in about two weeks.
Can we try Bankify before we commit?
Yes — with a paid pilot. For $500 we set your bot up on your WhatsApp number with your own loan products and run it with real customers. When the pilot succeeds and you go live on a plan, the $500 is credited against your setup fee (up to the fee itself), so a pilot is never money spent twice.
What is the website chat widget?
On Growth and Enterprise, the same onboarding bot runs in a chat window on your own website. We give you a one-line snippet to paste into your site — or add it for you — so visitors can apply without leaving your page. Conversations land in the same inbox as WhatsApp and Messenger.
Can we change plans later?
Yes. Upgrades take effect immediately from your cockpit and the new features switch on straight away. To move to a smaller plan, ask us — we move you by hand so no collections history or LMS link is lost.
We already have a loan management system. Which plan do we need?
Growth. It hands approved applications to your LMS automatically — clients, documents and loans — and keeps your loan products in sync. On Starter, your team reviews and exports approved applications from the cockpit.
Where do Core Banking and Loan Management fit?
They are part of Enterprise, for institutions that want to run their loan book or accounts on Bankify. Enterprise is priced on application volume and the modules you run.
How do we pay?
Monthly or annually, by card (Visa, Mastercard, ZimSwitch) or EcoCash, against an invoice in your cockpit. Annual billing is twelve months for the price of ten. Prices are in US dollars.
Not sure which plan fits?
Tell us how many applications you take and the systems you run, and we will recommend a plan — no obligation.