Applications that finish themselves

Client onboarding on WhatsApp. Kwalify asks your customer the questions, checks their documents against your rules, chases what is missing, and gets the agreement signed and paid. You step in only to approve.

Hosted in South Africa English and Afrikaans

Your customer, on WhatsApp

Thanks, Thandi. Last one: please send your latest payslip.

Photo: payslip

What lands on your desk

Thandi Nkosi

Loan application

ready to approve

12 questions answered

3 documents in and checked

Passed all 4 of your rules

Agreement signed

R1 500 paid

Reminded twice. Nobody on your team involved.

Asks.

Your questions, one at a time, in a WhatsApp chat. In English or Afrikaans.

Decides.

Reads the documents, does the sums and applies your rules to every application.

Chases.

Reminds people about missing documents and signatures until everything is in.

Then the agreement is signed on the phone and the payment goes straight to your own account.

Faster replies. Documents in sooner.

People answer a WhatsApp message long before they open an email. Kwalify asks where they already are, so applications stop waiting in inboxes.

Your rules, applied every time

No more checking payslips and bank statements by hand

Tell Kwalify how you decide. It reads the documents, does the sums and applies your rules to every application, the same way each time.

Your staff only look at the ones that need a person.

Thandi Nkosi

Loan application · example rules

Earns more than R15 000 a month

Payslip for September: R18 400

Passed

ID document has not expired

Valid, and the number matches what she typed

Passed

R3 000 or more left 5 days after salary date

Bank statement, 30 September: R1 240

Failed

One rule failed. Sent to a person to decide.

Still needed: proof of address

From Thandi Nkosi · example

Mon 09:00 Asked on WhatsApp

Tue 09:00 Reminder on WhatsApp

Wed 09:00 Reminder by SMS

Wed 14:12 Received and checked

Nothing outstanding. Reminders stopped.

Follow-ups, done for you

It chases, so your staff don't have to

A missing payslip, a second signature, an attorney who has not replied. Kwalify reminds each person on the channel you choose for them, WhatsApp, email or SMS, and stops the moment it arrives.

It keeps to the hours you set, so nobody is messaged at night.

Use cases

What businesses run on Kwalify

Client onboarding

Collect details and FICA documents, get the engagement letter signed and take a deposit, in one conversation.

See client onboarding

Applications

Loan, rental and membership applications with several people involved. Each one is asked for their part and reminded until it is done.

See applications

Getting paid

Send the agreement and the payment link together. Your customer signs, pays and gets a receipt.

See payments

Also for engagement letters, tenant screening and client intake.

Hosted in South Africa

Your documents are kept in South Africa

Signed documents, customer details and the audit trail are stored on servers in South Africa.

POPIA explained: the 8 conditions in plain English

Sealed and checkable

Every signed document is sealed. Anyone holding it can check on our verify page that it has not been changed.
Your accounts, your money

You connect your own WhatsApp number and payment provider. Kwalify never holds your customers' money.
English and Afrikaans

Your customers chat, read and sign in the language they choose.

Pricing

One monthly price, unlimited users

Your whole team uses Kwalify at no extra cost. A flow is one application or onboarding, from first message to signed and paid.

Flows plan, 100 flows included

R1 950 a month

Founding price for the first 10 customers: R1 365 a month for 12 months. Signing only from R249.

See pricing

Questions people ask

Is Kwalify a WhatsApp chatbot?

No. A chatbot answers questions. Kwalify completes the application: it collects the answers and documents, checks them against your rules, chases what is missing, and gets the agreement signed and paid.

Is an electronic signature legal in South Africa?

Under the Electronic Communications and Transactions Act (ECTA), an electronic signature is not without legal force just because it is electronic (subject to section 13(1)) (section 13(2)). The ECTA does not make some transactions valid, such as a will or codicil or an agreement to sell land or other immovable property (section 4(4) and Schedule 2): check with an attorney before signing one of those electronically.

Do my customers need to download an app?

No. They use WhatsApp, which they already have, and a web page that opens from the chat.

Can I use my own WhatsApp number?

Yes. Kwalify works through your own WhatsApp Business number, so customers see your business name.

Where is my data stored?

On servers in South Africa. Messages still travel through WhatsApp, and AI checks are processed by your AI provider.

Sources checked on 11 October 2026: the ECTA on Acts Online.