tpaga AI agents · WhatsApp Banking
Move your money with a WhatsApp message
Talk or text tpaga's financial agent: pay over 20,000 bills and billers, check your balance and send money to any bank through Bre-B, without opening the app.
- Voice notes or text
- Done in 1 to 4 seconds
- Nothing moves without your confirmation
What the agent does
Your whole bank in a chat, in your own words
No menus, no screens: tell it what you need by text or voice note and the agent takes care of it, using your electronic deposit, your tpaga balance or PSE.
Pay bills and utilities
Over 20,000 bills and utility billers. Pay with your electronic deposit, your tpaga balance or PSE.
Check your balance instantly
Real-time balances, with a clear split between your electronic deposit and your tpaga balance.
Send money to anyone
Instant transfers between tpaga users and to other banks through the Bre-B network.
See it in action
Paying a bill on WhatsApp, start to finish
In just over a minute you'll see the full flow with tpaga's agent: say hi, pick the biller, share the reference, confirm the payment and get your receipt in the same chat. The video is in Spanish.
- Message it like any other contact
- It shows you a summary before paying
- Pay with your tpaga balance, your deposit or PSE
Step by step
How the financial agent works
- 1
Text or talk
Send a message or a voice note to +57 321 405 9789.
- 2
Tell it what you need
Check your balance, send money or pay a bill.
- 3
Verify your identity
You get a one-time link that opens your tpaga app so you can enter your PIN.
- 4
Confirm the summary
The agent shows you every detail and waits for your explicit approval.
- 5
Done in seconds
The transaction is processed in 1 to 4 seconds and you get the result in the chat.
Not on tpaga yet? You can still pay your bills on WhatsApp
Message the agent, tell it which service you want to pay and share the reference. It validates the biller, shows you the summary and, once you confirm, pays with PSE from your bank.
All you need is PSE enabled at your bank.
- 1The agent detects you're a guestand tells you clearly what you can do: pay bills with PSE.
- 2You share the service and the referenceThe agent validates the biller and shows you the summary.
- 3You confirm and pay with PSEYou get the result and the receipt in the same chat.
Security
Your wallet's security, now in a chat
The agent chats with you, but decisions about your money follow fixed rules. It never moves money without your approval.
PIN verification
Your identity is confirmed inside the tpaga app, never in the chat.
Explicit confirmation
You see the full summary of every transaction before approving it.
No duplicate charges
Each transaction is processed only once, even if you repeat the message.
Verified official number
Only talk to +57 321 405 9789. tpaga will never ask for your PIN in a chat.
tpaga for business
Bring an AI financial agent to your wallet or your brand
The same brain behind tpaga's agent, modular and configurable, ready to run on tpaga's payment rails in your channel: it anticipates, recommends and executes real money movements.
Conversational collections
Payment reminders on WhatsApp and PSE collection inside the same chat.
Proactive offers
Messages based on real wallet usage to offer loans, insurance, term deposits or automatic payments, and reduce churn.
Inclusion and accessibility
Voice and text instead of menus: ideal for shopkeepers, drivers, rural communities and people with visual or motor impairments.
Modular brain
A configurable backend that can be replicated in partner wallets, connected to collections, transfers, bills and top-ups.
AI agents for businesses
Talk to an AI agents specialist
Tell us what you want to solve (collections, payments or offers on WhatsApp) and we'll help you design the agent for your operation.
- Response within 24 business hours
- Technical support and testing sandbox
- Operating under a supervised license
WhatsApp agent FAQ
What is the official number of tpaga's agent?
The only official number is +57 321 405 9789. You can text it or send voice notes from WhatsApp.
Do I need a tpaga account to use it?
Not to pay bills: without an account you can pay with PSE if it's enabled at your bank. To check balances and send money you need to be an active tpaga wallet user.
Is it safe to make payments on WhatsApp?
Yes. Your identity is verified with your PIN inside the tpaga app through a one-time link, and the agent only runs a transaction after you confirm the summary in the chat. Never share your PIN in a message.
Which bills can I pay?
Over 20,000 bills and billers, including utilities. All you need is the service and the payment reference.
Which balance do I pay or transfer from?
Your electronic deposit, your tpaga balance or PSE. The agent shows each balance separately so you know where the money comes from.
How long does a transaction take?
Once you confirm, the agent processes the transaction in 1 to 4 seconds and sends you the result in the chat.
Can my company have its own agent?
Yes. The agent can be adapted to partner wallets and brands for collections, payments and personalized offers.