Business Platform
nonocard
Reducing costs and improving on-time payments with marketing, utility and service messages on WhatsApp
17%
Decrease in clients who did not pay on time compared to previous approach (primarily email reminders)*
22%
Lower cost per client acquisition compared to previous approach (primarily paid ads)*
27%
Increase in completed card registrations compared to previous approach (email re-engagement)*
*Results are self-reported and not identifiably repeatable. Generally expected individual results will differ.
Their Story
Banking on WhatsApp
The nonocard customer experience centers around an AI-powered financial assistant that customers interact with on WhatsApp. They can check their balances, make payments and transfers, receive payment reminders, turn off their cards and more, all managed through secure, natural conversations with an automated assistant. By creating a product that’s completely digital and accessible on WhatsApp, nonocard has eliminated the need for in-person interactions and complex procedures associated with traditional banking.
“With WhatsApp, we didn’t have to teach users how to use a new platform, app or tool. The conversational technology offered by WhatsApp allowed us to meet people where they already are. The best part is that we can rely on the security, trust and frictionless experience offered by WhatsApp. Its end-to-end encryption, high engagement rates and seamless API integration made it the perfect foundation to build a truly accessible and scalable solution. WhatsApp wasn’t just a channel, it was the enabler of our entire vision.”
Gustavo Gutiérrez Padilla & Oscar Vera Gutiérrez
Founders, nonocard
Their Solution
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Conversational online banking
To stay in regular touch with customers, nonocard used utility messages on WhatsApp to send payment reminders, transaction alerts and balance and bill notifications to cardholders. Customers could also send service messages to nonocard on WhatsApp, whereby they could request to turn off their card, send money to another nonocard or even pay for some products by sending a photo of the receipt to the automated assistant on WhatsApp. Nonocard also sends marketing messages on WhatsApp to promote registration and exclusive discounts, as well as encourage customers who’ve already started registration to complete the process.
Their Success
An increase in on-time payments
The nonocard team compared the performance of its WhatsApp-driven solutions against its usual approach for six weeks (April 1–May 15, 2025) and reported:
- 17% decrease in clients who did not pay on time compared to previous approach (primarily email reminders)*
- 22% lower cost per client acquisition compared to previous approach (primarily paid ads)*
- 27% increase in completed card registrations compared to previous approach (email re-engagement)*
*Results are self-reported and not identifiably repeatable. Generally expected individual results will differ.
“nonocard is the convergence point where Meta's conversational technology meets transactional capabilities. The result is an intuitive tool that anyone can use to manage their finances with complete security. nonocard takes the best of WhatsApp's abilities and adds a robust financial ecosystem that is constantly innovating, to democratize access to the best experience in money management.”
Gustavo Gutiérrez Padilla & Oscar Vera Gutiérrez
Founders, nonocard
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