How an application finishes itself
Kwalify runs an application on WhatsApp in three steps. It asks your customer your questions, one at a time. It decides: it reads the documents, applies your rules and sends anything that fails to a person. It chases until everything is in. Then the agreement is signed on the phone and paid into your own account.
Asks, decides, chases
Asks.
Your questions, one at a time, in a WhatsApp chat. In English or Afrikaans.
Decides.
Reads the documents, does the sums and applies your rules to every application.
Chases.
Reminds people about missing documents and signatures until everything is in.
Then the agreement is signed on the phone and the payment goes straight to your own account.
Example
One loan application, end to end
Thandi Nkosi (an example customer) applies for a loan. Here is what she sees, and what lands on your desk.
Step 1
Your customer gets a WhatsApp message
Kwalify asks your questions one at a time, in English or Afrikaans, from your own WhatsApp Business number. There's no app to download.
Example: Thandi, on WhatsApp
Hi Thandi. A few questions for your loan application, one at a time. What is your monthly income before deductions?
R18 400
Step 2
They answer your questions and send their documents
She sends each document you ask for in the same chat, for example a photo of her ID document.
Example: documents in the chat
Thanks. Please send a photo of your ID document.
Photo: ID document
Got it. Last one: your latest payslip.
Photo: payslip
Steps 3 and 4
Kwalify checks the documents against your rules, and a person decides on what fails
Kwalify reads the documents, does the sums and applies your rules, the same way every time. A rule that fails goes to a person on your team, with what Kwalify read. Kwalify never turns an application down by itself.
Thandi Nkosi
Loan application · example rules
Earns more than R15 000 a month
Payslip for September: R18 400
ID document has not expired
Valid, and the number matches what she typed
R3 000 or more left 5 days after salary date
Bank statement, 30 September: R1 240
One rule failed. Sent to a person to decide.
Step 5
Kwalify chases whatever is still missing
If a document is missing, Kwalify reminds her on the channel you chose, WhatsApp, SMS or email, within the hours you set, and stops as soon as it arrives.
Still needed: proof of address
From Thandi Nkosi · example
Mon 09:00 Asked on WhatsApp
Tue 09:00 Reminder on WhatsApp
Wed 09:00 Reminder by SMS
Wed 14:12 Received and checked
Nothing outstanding. Reminders stopped.
Step 6
The agreement is signed on the phone
Once you approve, she signs the agreement on her phone with a one-time code. An audit trail records who signed and when, and the signed agreement is sealed as a PDF that anyone can check on the verify page. More on electronic signatures.
Example: the signed agreement
Loan agreement
Thandi Nkosi · example
One-time code confirmed
Who signed and when, in the audit trail
Sealed as a PDF
Checkable on the public verify page
Step 7
The payment goes to your own account
After signing, Kwalify sends a payment link through your own Paystack, Yoco or PayFast account. The money goes straight to you: Kwalify never holds it. More on getting paid.
What lands on your desk
Thandi Nkosi
Loan application · example
Questions answered
Documents in and checked
Failed rule decided by your team
Agreement signed
R1 500 paid
Reminded twice. Paid into your own account.
What you set up
- The questions to ask, in English or Afrikaans.
- The documents you need, and the rules each one must pass.
- Who on your team decides when a rule fails.
- How reminders go out (WhatsApp, SMS or email) and the hours they may be sent.
- The agreement to sign, and your Paystack, Yoco or PayFast account for the payment link.
See it for applications on WhatsApp and client onboarding. Prices are on the pricing page.
Questions people ask
Is Kwalify a WhatsApp chatbot?
What happens when an application fails one of my rules?
Can my customers use email or SMS instead of WhatsApp?
Do my customers need to download an app?
More on Kwalify
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Your client intake form as a WhatsApp chat, with documents and reminders.
Read moreClient onboarding
Details, documents and the engagement letter, collected and checked on WhatsApp.
Read moreWhatsApp Business API
What the WhatsApp Business API is, and what Meta charges in South Africa.
Read more