State utility
Verified · RCS
Electricity bill · Jul
₹1,248.00
Due 24 Jul · Consumer 4471 9920
Pay ₹1,248 with UPI
Paid · UPI 4419 8827
Receipt · Settled
Payment confirmed
Same-day settlement · ref PL-88214
Message
Official Meta Business Solution Provider
Turn every conversation into a business outcome.
Acquire customers. Drive engagement. Collect payments. Build loyalty. Pelocal brings AI, conversations and payments together across WhatsApp, Google RCS and Voice.
Sample loop: a bill, a premium and a metro pass are presented in a conversation and paid over UPI, settling the same working day; and a customer asks a Pelocal AI agent for a home loan, is KYC-verified over DigiLocker and sanctioned without leaving the thread.
By the numbers
Creating impact at a scale that matters.
100Mn+
households in network
8Mn+
outcomes delivered
25000+
small businesses
40+
large enterprise customers
In production, not in principle.
State power distribution
Urban transit
General insurance
Life insurance
Life insurance
Financial services
Four channels
One record, whichever way the customer answers
A bill presented on RCS, disputed on WhatsApp and resolved on a call is one conversation with one consent state, not three vendors and three reconciliation problems.
Channel 01
WhatsApp Business API
Verified sender, template governance and UPI collection inside one thread, provisioned by an official Meta Business Solution Provider.
- Provisioning
- Official Meta BSP
- Verification
- Business display name
Channel 02
Google RCS
Verified sender branding in the native Android inbox, for the reach of SMS with the surface of an app.
- Surface
- Default Android inbox
- Branding
- Verified sender profile
Channel 03
Voice AI
Indian-language voice agents that resolve routine calls end to end and hand the rest to your team with context intact.
- Modes
- Inbound + outbound
- Languages
- English, Hindi, 10+ regional
Channel 04
WhatsApp Calling
Voice inside the thread the customer already trusts: no unknown number, no callback roulette.
- Trigger
- In-thread escalation
- Identity
- Verified business
Together
Compare all fourShared record, shared consent
Template version, delivery receipt, consent state and payment reference are held against the same conversation, which is what makes reconciliation a lookup instead of an export.
Industries
Written for the sector's actual constraint
A distribution utility, a life insurer and a kirana store are not the same messaging problem. The platform is shared; the deployment is not.
Industries
Banks & lenders
Collections, servicing and repayment on a verified channel, inside RBI outsourcing expectations.
- Voice AI
- WhatsApp Calling
Deployed with insurers and financial institutions including IndiaFirst Life and Canara HSBC Life.
See it in actionInsurers
Renewals, premium collection and claim status on the channel policyholders answer.
- RCS
- Voice AI
Running for insurers including Oriental Insurance, IndiaFirst Life and Canara HSBC Life.
See it in actionBillers & utilities
State-scale bill presentment and collection, with SMS-grade reach and verified branding.
- RCS
- Voice AI
Public-infrastructure deployments include MSEDCL.
See it in actionTransit
Ticketing, passes and rider service on a channel that works on any handset.
- RCS
- WhatsApp Calling
Transit deployments include Bangalore Metro.
See it in actionGrowing businesses
The same rails an insurer runs on, priced per transaction and live the day you finish onboarding.
- RCS
- Voice AI
- WhatsApp Calling
Self-serve merchants onboard through the Pelocal partner console.
See it in actionNot on this list
Talk to our teamNeither was transit, once
It arrived as an inbound from a metro network. If your problem is getting more customers, managing their lifecycle, or collecting on what they owe, we're built for it.
Why Pelocal
Four claims we can be held to
Each one is checkable: by asking us, or by asking the vendor you are comparing us against.
Why Pelocal
- 01
One of India's largest Meta payment partners
Pelocal is an official Meta Business Solution Provider and one of the country's largest Meta payment partners by volume, not a reseller sitting on someone else's account. Verification, template review, number migration and throughput requests run through us, so a rejected template is a conversation with your team rather than a ticket in a queue you cannot see.
- 02
Payments live in the message. Zero hops.
No redirect to a gateway page, no separate app, no juggling five tools. UPI collection, links and receipts are deeply embedded in the conversation itself, so the customer pays without leaving the chat and delivery status reconciles against settlement status automatically.
- 03
4 channels, 1 console, 0 blind spots
WhatsApp, RCS, Voice AI and WhatsApp Calling run at scale from one place: one customer record, one consent state, one template pipeline. A customer who starts on RCS and finishes on a call is still one conversation, tracked end to end.
- 04
100Mn+ households, one platform
The same platform reaches 100Mn+ households through a state distribution utility, a metro network and regulated insurers, plus the merchant who signs up on their own this afternoon. Scale is a configuration question, not a different product.
Cost of the stack
Things you’d stop paying for.
Not a feature list. A list of subscriptions you’d cancel.
Smart partners build with Pelocal
Grow your business on our infrastructure.
Affiliates · ISVs & TSPs
Don't build your own WhatsApp stack. Build on ours.
The infrastructure, products and economics to build and scale your own conversational proposition.
- Better pricing & margins
- White-labelled stack
- Plug-and-play AI, Voice, RCS
- Enterprise-ready infra
Partners · Banks & Marketplaces
Your customers. Your ecosystem. More ways to help them grow.
Give the SMBs who already trust you the tools to acquire customers, engage them and collect payments.
- Deepen SMB relationships
- New revenue streams
- Co-built journeys
- Pelocal as the BSP layer
Getting started
Two ways in, one platform
Pick the path that matches your approval chain, not the one that matches our sales process.
Getting started
Built for
Banks, insurers, billers, transit and government-adjacent senders
A named team, a compliance review and a migration plan before a single template goes live.
Scoping call: channels, volumes, languages, systems of record
Compliance review: DPDP posture, residency, DLT registration, audit needs
Provisioning: WhatsApp Business Account, verified display name, template set
Pilot on a bounded segment, with reconciliation reporting from day one
Scale-out, with throughput and template governance managed by Pelocal
Trust & compliance
Built to survive a risk committee
Regulated senders do not buy on features. They buy on whether the posture holds up in diligence, so this is the section we would send to your compliance team first.
DPDP Act 2023
Consent capture, purpose limitation, retention windows and data-principal request handling built into the conversation record rather than bolted on afterwards.
RBI IT outsourcing expectations
Documentation, access control and audit-trail posture prepared for the diligence a regulated lender or insurer has to run on a service provider.
TRAI DLT registration
Sender IDs, headers and template registration handled under the DLT framework so commercial messaging stays deliverable and compliant.
Data residency in India
Conversation and payment data stored in India, with processing boundaries you can put in front of a risk committee.
Verified Meta BSP status
Direct Meta relationship, verified business display names and platform-policy accountability that a reseller cannot offer.
Auditable conversation record
Template version, consent state, delivery receipt and payment reference held together per conversation, exportable for audit.
Let's build the conversation that moves your business
Tell us your channel, your volume and your goal, and we will show you what Pelocal looks like for your business.