How Can Businesses Send Real-time Transaction Alerts and Balance Updates at Scale?

Happay, one of India’s leading fintech and expense management platforms, manages over 1 million transactions every month for 6000+ customers across 40+ industries, with more than $1Bn in annual gross transaction value and 2.3 million reports processed each year.

To keep every payment transparent and every balance visible, the company needed a communication backbone that could scale with its growth.

By integrating MyOperator’s Omnichannel Communication Solutions with its transaction systems, Happay built a secure, high-volume messaging layer that now powers millions of real-time transaction alerts and balance enquiries through SMS and missed-call flows.

The Fintech Reality: When Transaction Visibility Defines Trust

In modern fintech, every transaction is a moment of truth. Customers expect to see their money move in real time, with instant confirmation and clear visibility into balances and spend.

When those confirmations are delayed, missing, or inconsistent, even the most powerful expense platform can feel unreliable. For a company handling over 1 million monthly transactions and $1Bn+ in annual gross transaction value, any gap in communication is not just an inconvenience; it is a direct threat to customer confidence and product credibility.

Happay sits at the heart of corporate expense management, helping businesses digitize and automate how they spend, approve, and reconcile expenses. With 6000+ customers across 40+ verticals and 2.3 million reports processed annually, the brand needed a way to make sure every swipe, approval, and settlement was accompanied by a timely, accurate, and secure message.

The challenge was not just sending SMS at scale; it was designing a communication layer that could keep up with real-time transaction flows without adding complexity for users or internal teams.

Before vs After: A Communication Layer Built for Scale

What Is an Omnichannel Communication Layer and Why It Matters for Fintech

For a fintech or expense management platform, an omnichannel communication layer acts as the nervous system between core transaction engines and the customer’s phone. Instead of treating SMS, calls, and missed calls as disconnected utilities, an omnichannel solution brings them together into one coordinated platform. This means every transaction can trigger the right message, on the right channel, at the right time, without manual intervention. With MyOperator’s Omnichannel Communication Solutions, the underlying complexity of telecom routing, message delivery, and call handling is abstracted behind APIs and cloud infrastructure.

Happay can focus on its core promise (digitizing and automating corporate expenses) while relying on MyOperator to ensure that confirmations and balance notifications always reach customers quickly and reliably. This is especially critical at the scale where Happay operates: over 1 million transactions a month, thousands of customers, and billions in value flowing through its systems each year.

Happay: From High-Volume Transactions to High-Trust Communication

The challenge

Sending real-time alerts and delivering transaction details are critical for a premium fintech and corporate expense management platform. Happay needed a communication system that could:

• Deliver instant SMS messages with transaction details and updated balances after every relevant event.
• Provide customers with an easy, self-service way to check their Happay balance on demand.
• Scale securely across millions of messages while matching the pace of its growing transaction volumes and customer base.

The existing setup had to evolve into something more structured: an integrated, always-on communication backbone that could keep up with both current demand and future growth.

What changed

To solve this, Happay partnered with MyOperator to deploy Omnichannel Communication Solutions tightly integrated with Happay’s transaction APIs.

Instead of handling messaging as a separate, siloed function, communication became a built-in layer of the product experience.

MyOperator helped Happay integrate:

• Transaction APIs that trigger automatic SMS alerts to customers after every transaction, including details of the transaction and balance status.
• Missed-call workflows that allow customers to simply give a missed call and instantly receive their updated Happay balance on SMS.
• A scalable communication cloud that can comfortably handle millions of balance enquiries and transaction messages without downtime or manual intervention.

The experience for customers became simple and predictable. Every transaction was followed by a confirmation. Every balance enquiry required nothing more than a missed call.

Behind the scenes, Happay could rely on a communication stack built to scale.

The outcomes

By using MyOperator, Happay has been able to embed communication into the core of its financial workflows and scale it confidently alongside its growth. Key outcomes include:

• Seamless integration of SMS communication into the $1Bn gross transaction value that the platform generates annually.
• The ability to handle millions of balance enquiries and transaction SMSes using MyOperator’s scalable communication cloud.

For Happay’s customers, this translates into continuous clarity: every transaction is acknowledged, every balance is accessible, and every interaction feels immediate and trustworthy.

For Happay’s teams, it means fewer manual touchpoints, fewer support escalations around “missing” updates, and a communication layer they do not have to constantly rebuild.

Customer speaks

“MyOperator has understood our requirements and delivered the right call-messaging integration to optimize our customer engagement. Great support and easy to use product that works for our agile payment platform.”

– Souvik Das, Associate Product Manager

Five Ways Fintechs Can Strengthen Transaction Communication

1. Design for Real-Time by Default: Customers now expect instant confirmation for every payment and balance change. Routing transaction events through a dedicated communication platform ensures that SMS alerts are triggered automatically instead of relying on ad-hoc or batch processes.
2. Make Balance Enquiries Effortless: A simple missed call that returns an SMS balance update can replace countless support requests and app-navigation friction. This kind of low-friction, high-impact workflow not only improves satisfaction but also builds habitual trust in the platform’s responsiveness.
3. Centralize Communication Infrastructure: Centralizing SMS and call workflows through a single cloud platform makes it easier to manage templates, monitor performance, and scale to millions of messages without re-architecting the stack each time volumes spike.
4. Align Communication With Core Product Flows: Treat alerts and balance messages as part of the product, not as an add-on. When communication is integrated directly with transaction APIs, every important action automatically gets the right notification, leading to fewer blind spots and better user confidence.
5. Partner for Scale Instead of Building Everything In-House: For companies like Happay that process over $1Bn in annual GTV and 1 million+ monthly transactions, partnering with a dedicated communication provider helps maintain reliability at scale while freeing internal teams to focus on innovation in spend management and fintech features.

Make Every Transaction Message Count

Happay’s journey shows how a strong communication backbone can quietly but powerfully transform customer experience in fintech.

When every payment triggers a timely SMS, and every balance is just a missed call away, customers feel in control of their money, even as transaction volumes soar into the millions. 

MyOperator’s Omnichannel Communication Solutions gave Happay exactly that: a secure, scalable, and deeply integrated way to handle transaction alerts and balance enquiries across its fast-growing ecosystem.

For any fintech or expense management platform looking to build similar trust at scale, exploring how MyOperator’s omnichannel features can plug into existing transaction workflows is a natural next step, one that turns communication from a background utility into a core pillar of the customer experience.

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