How it worksFrom contract to receipt
One chat for the buyer. One dashboard for the agency. The bank has the last word.
Everything that happens between an agency registering a contract and a buyer abroad holding a verified receipt.
Who’s involved
Five parties. Finpass is the one in the middle — and the only one that never touches the money.
Getting started
No download, no password. Buyers are invited in by their own agency.
Everything the buyer needs arrives in the WhatsApp they already use. The agency starts it; the buyer decides how far to go.
- The agency
Registers the contract
Buyer’s name, document and mobile number — entered once in the Finpass dashboard.
- Finpass
Sends an invitation
From a verified WhatsApp business number, naming the agency the buyer already trusts.
- The buyer
Opts in and proves it’s them
A yes to messages, then a detail from the contract that only the real buyer knows.
- Their choice
Decides on the passport
Recording credit history is optional, can be withdrawn any time, and never blocks a payment.
Four ways in — none of them an app
Reminders, payment instructions, receipts and questions like “how much is left?”, answered by an assistant.
Contracts, instalments, exceptions and monthly reports in a secure dashboard.
Live status of their own clients, and a message when each payment lands.
A bank or lender opens a verification link. No account needed.
Sensitive details stay out of the chat. The full contract, statements and the passport open in a secure link that expires — the conversation only carries the prompt.
The buyer’s side
Six steps. One chat. No app to download.
Example: Maria lives in Auckland and is paying off an apartment in Curitiba, Brazil — instalment 37 of 120. She pays by Pix; with a bank transfer or a transfer app, only step 4 changes.
- Finpass
A reminder arrives
Before the due date, the buyer gets a WhatsApp message with the exact instalment and amount.
- Buyer
Tap to pay
No new app, no new account. The buyer replies in the chat they already use every day.
- Finpass
Payment instructions are issued
Finpass asks the agency’s bank for a payment code carrying a unique reference for instalment 37 — here a Pix code, elsewhere the account details plus that reference.
- The money
The buyer pays on their own rail
From her own bank or transfer app, straight into the agency’s account. Finpass never holds the money — it only follows the reference.
- Finpass
The bank confirms
The bank confirms the payment to Finpass — or Finpass finds it in the agency’s bank statement — and the instalment is marked paid. Never on a screenshot.
- Receipt & stamp
Everyone knows, instantly
Buyer, agency and broker get a receipt with a verification link. With consent, the instalment is stamped in the buyer’s passport.
Reminders that run themselves
Nobody chases a payment again.
Every instalment gets reminders on a schedule the agency sets — by default five days before, the day before, the due date and three days after. Each goes out once, at the agency’s local time, in the buyer’s language.
Five days before
The first reminder, with the payment ready.
The day before
The same payment link — no second charge is created.
On the due date
A short nudge on the day.
Three days after
Only if it’s still open. Paid instalments leave the schedule.
- The agency sets the steps. Any days before or after the due date, not only these four.
- Local time, everywhere. Each agency has its own time zone and send hour — 9 am in Asunción is 9 am in Asunción.
- The buyer’s language and format. English, Portuguese or Spanish, with amounts and dates written the way the buyer reads them.
- Once, and only once. Each step is sent a single time per instalment, however many times the system runs.
- The buyer stays in control. Reply STOP and the reminders end; payments keep working. Reply REMINDERS to turn them back on.
Behind the scenes
What happens between the tap and the receipt.
Any currency
The contract keeps its currency. The buyer pays in theirs.
An instalment in guaraníes can be paid in reais, dollars or euros. The payment settles it only at a declared rate — and the amount paid, the rate and the converted value all stay on the receipt.
- No silent conversions. A payment in another currency needs a rate before it counts.
- Guard rails. A rate that would settle more than five instalments is refused as a likely typo.
- Partial payments add up. Two payments, in two currencies, can close the same instalment.
Questions
What people ask first.
Does Finpass hold my money?
No. The money goes from the buyer’s bank or transfer app straight to the agency’s account. Finpass only carries the information: which contract, which instalment, and the bank’s confirmation.
Do I need to download an app?
No. Buyers use the WhatsApp they already have. Agencies use a web dashboard. Anyone checking a receipt just opens a link.
How is a payment confirmed?
By the bank — through its API, its signed notification or the agency’s statement. A screenshot never marks anything as paid. When something doesn’t add up, a person reviews it.
What if I pay a different amount, or in another currency?
A smaller payment is recorded and the instalment stays open for the rest. A payment in another currency settles it at a declared rate, and the rate is shown on the receipt.
Can I stop the reminders?
Yes. Reply STOP (PARAR in Portuguese, BAJA in Spanish) and they end. Payments keep working. Reply REMINDERS to turn them back on.
Is the financial passport mandatory?
No. It’s the buyer’s choice, it can be withdrawn at any time, and saying no never affects a payment.
FinpassGet started
Bring your buyers abroad into one chat.
Finpass is in production. Tell us about your contracts and we’ll show you how it runs with your bank.
- With your own contracts. The buyer’s chat, the dashboard and how your bank connects.
- In your language. English, Portuguese or Spanish.
- Buyers never pay. Agencies subscribe by active contracts.