Ubeyy is the UAE's first Shariah-compliant auto credit card, letting drivers pay for insurance, down payments, tolls, and servicing in 0% interest instalments. We built the WhatsApp messaging engine - real-time, automated, and deeply integrated - to meet customers where they already are.
The Problem
The UAE has one of the highest WhatsApp penetration rates in the world - over 90% of smartphone users rely on it as their primary communication channel. For a financial product targeting everyday drivers, defaulting to email or SMS for transactional notifications meant messages were missed, trust was eroded, and the user experience felt disconnected from people's actual digital habits.
Ubeyy's auto credit card operates across a complex set of touch points: insurance payment approvals, toll charge summaries, down payment disbursements, instalment reminders, and Shariah compliance confirmations. Each of these needed to reach users instantly, in a format they trust, with context-rich content - not a generic push notification.
Brainspack was brought in to design and build a WhatsApp messaging layer that could handle the full lifecycle of customer communication: from onboarding confirmations and OTP verification to real-time transaction alerts and smart repayment nudges - all within WhatsApp Business API.
WhatsApp API Template & Approval Management
Managing Meta-approved WhatsApp templates for alerts, OTPs, and payment reminders.
Real-Time WhatsApp Transaction Notifications
Delivering instant payment and transaction alerts with low-latency infrastructure.
Shariah-Compliant Financial Messaging
Creating Islamic finance-compliant WhatsApp communication without Riba-related terms.
Arabic & English WhatsApp Support
Handling bilingual WhatsApp messaging with RTL Arabic formatting support.
UAE TDRA Consent & Opt-In Compliance
Managing user consent, opt-ins, and real-time opt-out compliance for WhatsApp messaging.
Smart WhatsApp Reply & Query Routing
Building automated routing for payment queries, disputes, and instalment requests.
Twilio
Node.js
Docker
FigmaBrainspack architected the WhatsApp messaging system as three integrated layers: a Trigger Layer to capture and queue financial events, a Template Engine to compose Shariah-appropriate, bilingual messages, and a Delivery Layer to dispatch, track, and handle responses through WhatsApp Business API.
Financial events - toll charges, insurance debits, instalment dues, OTP requests - are published to an AWS SQS queue the instant they occur. A Lambda consumer picks each event, enriches it with user context, and dispatches the appropriate WhatsApp template within seconds.
A structured library of Meta-approved WhatsApp message templates covering 14 notification types in both English and Arabic. Templates use dynamic variables for amounts, dates, and card details, with right-to-left formatting validated across device types.
A content validation layer ensures all message copy uses Islamic finance-appropriate language. Terms like "profit rate" and "deferred payment" are used in place of interest-bearing equivalents, with every template reviewed against Murabaha contract standards.
A stateful webhook handler processes user replies and routes balance checks, payment disputes, and opt-out requests to the appropriate service in real time.
A PostgreSQL-based consent system manages user opt-ins and opt-outs in real time, ensuring compliant message delivery across all WhatsApp queues.
A React.js admin dashboard provides real-time visibility into message delivery, failed dispatches, opt-out trends, and WhatsApp template performance.
The platform delivered measurable business impact through high-speed WhatsApp communication, reliable transactional messaging, bilingual customer engagement, and scalable fintech-grade infrastructure tailored for the UAE market.
98.7%
WhatsApp Delivery Rate
<1.5s
Avg. Event-to-Delivery Latency
14
Approved Message Templates
2x
Languages (EN + AR)
Users receive real-time WhatsApp confirmations for every transaction - tolls, insurance, instalments - the moment it happens, eliminating uncertainty and building confidence in the platform.
The inbound reply engine resolves the most common queries - balance checks, instalment schedules, payment confirmations - entirely within WhatsApp, reducing load on the support team.
Full TDRA-compliant opt-in flows and Shariah-appropriate language in every template meant Ubeyy launched with zero compliance flags from regulators or Islamic finance oversight bodies.
The SQS-Lambda architecture was load-tested to handle 10,000 concurrent message dispatches - ready for Ubeyy's user growth without infrastructure changes.
Personalised and interactive WhatsApp communication increased customer response rates and improved overall user engagement with the platform.
Successfully launched the WhatsApp platform with full testing and production deployment.
Created bilingual WhatsApp templates with Meta-approved Shariah-compliant messaging.
Built scalable AWS SQS and Lambda infrastructure for real-time fintech notifications.
Integrated Twilio WhatsApp API for secure message delivery and webhook handling.
Successfully launched the WhatsApp platform with full testing and production deployment.
Built the React.js admin panel and deployed the platform on AWS with monitoring support.
Developed automated WhatsApp reply routing with Redis-based session management.
The only WhatsApp messaging layer in UAE auto finance to use Islamic finance terminology throughout - reviewed and validated by Ubeyy's Shariah compliance team for every template.
The SQS-Lambda architecture ensures users receive their WhatsApp notification within two seconds of any financial transaction - not minutes, not hours.
Full bidirectional text support in both outbound templates and inbound reply parsing, ensuring Arabic-speaking users receive perfectly formatted messages on any device.
Users can query their account, check instalment schedules, or escalate a dispute entirely within WhatsApp - no app switch required. The reply engine handles it all automatically.
Per-user, per-message-type opt-in state ensures marketing messages never reach users who opted out, while critical transactional notifications are always delivered as required by regulation.
A full dashboard gives the Ubeyy team complete visibility and control - delivery analytics, failed message queues, opt-out tracking, and template performance - without engineering support.
The WhatsApp integration Brainspack built has become the most-appreciated part of the Ubeyy experience. Our users tell us they trust the card because they always know what's happening - every toll, every payment, every instalment - instantly on WhatsApp. And the fact that every message feels aligned with Islamic finance principles wasn't an afterthought; it was built in from the start.
Product Lead, Ubeyy
UAE's First Islamic Auto Credit Card
Brainspack LLP builds production-grade WhatsApp integrations for financial products - from template architecture and API integration to inbound routing and compliance tooling. We'd love to hear about your project.