Short answer
No. Meta's WhatsApp Business Messaging Policy lists debt collection, payday loans, paycheck advances, peer-to-peer lending and bail bonds as prohibited, whatever licences the business holds. Ordinary non-promotional account reminders from a utility, telco, subscription business or B2B supplier are a different case. Lenders should confirm eligibility with Meta's policy before building a flow.
What is prohibited and what is allowed?
| Use case | Note | |
|---|---|---|
| Debt collection, payday loans | Prohibited | Named in Meta's policy |
| Utility, telco, subscription reminders | Allowed with consent | Utility template, non-promotional |
| B2B invoice reminders | Allowed with consent | Send invoice number and link |
| Bank or lender reminders | Check policy first | Meta decides enforcement |
What should you do instead?
- Use SMS or email for lending and collections, subject to local law.
- Keep WhatsApp reminders non-promotional, because an offer or upsell risks reclassification to Marketing.
- Send a payment link; never ask customers to reply with a card or ID number.
- Honour opt-outs and hand disputes to an agent.
Do collection laws also apply?
Yes. In the US, Regulation F applies to debt collectors as defined in the FDCPA, not to creditors collecting their own debts, and requires an opt-out notice in electronic communications. Rules differ by country, so check with counsel.