A Gupshup alternative in India: WhatsApp and AI voice calling for NBFC collections at scale
NBFCs and lending teams searching for a Gupshup alternative typically want AI voice calling for EMI reminders alongside WhatsApp, TRAI-compliant calling practices, and pricing that stays flat regardless of borrower-base size. Convo360 combines WhatsApp and AI voice calling from ₹999/month ex-GST BYOK, with strict DND and consent handling, and borrower contacts migrated via CSV import.
- NBFCs look for an alternative when they need AI voice calling for EMI reminders in the same platform as WhatsApp messaging.
- Flat monthly pricing scales better than per-message costs once a lending book grows into tens of thousands of borrowers.
- TRAI DND and consent handling has to be built into the calling flow regardless of which platform you use.
- Borrower contact and loan-tag data migrates via CSV; reminder flows are rebuilt using the visual Flow Builder's Wait/Delay blocks for cadence.
Who looks for a Gupshup alternative, and why
NBFCs and lending businesses typically look for a Gupshup alternative when EMI reminder volume grows to a scale where per-message costs on WhatsApp become a meaningful line item, and when they want AI voice calling for the same reminder cadence, a call before due date and a follow-up after in the borrower's own language, from the same platform, instead of a separate dialer product. Compliance is a constant, generic driver too: any lending business needs voice and SMS outreach that respects TRAI DND registrations and consented calling hours regardless of vendor.
Larger NBFCs also want role-based staff access so collections agents only see the accounts assigned to them, not the full borrower base.
What Convo360 is
Convo360, built by A Plus Solution in Mumbai, is an India-first AI platform covering both WhatsApp / omnichannel chatbots and AI voice calling in one product. It's BYOK by design: you connect your own AI provider key, your own WhatsApp Business number and your own telephony account, so there's no platform markup on usage. Convo360 is not affiliated with Gupshup; all trademarks belong to their owners.
Gupshup vs Convo360: comparing the models
What matters most when evaluating any platform switch is the underlying model, not a feature checklist: pricing structure, key ownership and portability.
| Model | Typical closed platform | Convo360 |
|---|---|---|
| Pricing | Often a flat seat/message bundle with per-conversation or per-message markup once you cross a limit | Flat plan fee: ₹999 / ₹2,999 / ₹7,999 per month ex-GST, no per-message markup |
| AI keys | AI usually bundled into the platform's own cost, not yours to choose | BYOK: bring your own OpenAI, Claude or Gemini key |
| AI voice calls | Not always available, or a separate add-on product | Built in: inbound + outbound calls via Exotel, Plivo, Twilio or your own SIP trunk |
| Indian languages | Coverage varies by vendor | Hindi, Bengali, Tamil, Telugu, Marathi, Gujarati, Kannada, Malayalam, Odia, Punjabi + English, for voice and chat |
| White-label | Usually not available on standard plans | Available: resell under your brand or run a fully white-labelled platform on your own domain |
| Ownership of number/keys | WhatsApp number and API keys are yours in Meta's system either way, but management ties you to the vendor's console | Your WhatsApp number via embedded signup; your own AI and telephony keys, encrypted at rest |
| Export/migration | Contacts and templates are generally exportable; flow logic is not always portable | CSV import for contacts/tags/custom fields; built-in importer for uChat flows; visual rebuild for everything else |
What you get on Convo360
An NBFC on Convo360 typically builds an EMI reminder sequence using the Wait / Delay block for T-3 day, T-1 day and overdue cadences, sent as WhatsApp Utility templates with an AI voice call fallback for borrowers who don't respond. AI voice calling (Pro plan) reads out due amount and payment link in Hindi or a regional language via Exotel, Plivo or your own SIP trunk, and a Razorpay payment link block can be sent directly in the WhatsApp conversation. Staff roles restrict collections agents to their assigned portfolio, and the platform respects opt-out (STOP keyword) handling automatically. All reminders and calls must still be built and scheduled to respect TRAI DND rules and consented calling hours. This is a compliance responsibility that sits with you regardless of platform.
How to migrate from Gupshup
Migrating an NBFC's WhatsApp and reminder-calling setup involves:
- Export your borrower contact list, with loan-stage and due-date tags, as CSV and import into Convo360, mapping tags to groups so reminder flows can target the right segment.
- Rebuild your reminder cadence in the visual Flow Builder using Wait/Delay steps for each reminder stage, with an AI voice call branch for non-responders; compliance and risk teams typically review the flow in Preview / Try-it before it goes live given the regulatory sensitivity.
- Resubmit Utility templates for Meta approval on your WhatsApp Business Account and connect your telephony account for outbound calling. Your WhatsApp number itself carries over via embedded signup.
What it costs
Convo360's pricing is a flat monthly plan, excluding 18% GST: Starter at ₹999/month (1 workspace, WhatsApp + web chat, flow builder, knowledge base, CRM and forms), Pro at ₹2,999/month (3 workspaces, AI voice calls, all integrations and connectors), and Business at ₹7,999/month (unlimited workspaces, REST API, appointments, unlimited team seats). Yearly billing saves roughly 10%. On top of the plan fee, you pay your AI provider and telephony provider directly at their own rates. Convo360 does not add a per-message or per-minute markup.
There's a 14-day free trial with every feature unlocked and no credit card required, so you can run a real side-by-side test before committing. For Gupshup's current plans and limits, check Gupshup's own pricing page. Models change and we don't want to quote a number that's gone stale by the time you read this.
Who should not switch
A small NBFC or lending desk with a modest, manageable borrower base, already comfortable with its current bundled reminder tool and with no plan to add voice calling, may not find enough benefit in switching. The pricing and BYOK advantage grows with scale. At low borrower counts, an all-inclusive plan can be simpler to run.
Example conversation
Industry guide: AI agents for Banking & NBFC — Loan enquiries, EMI reminders & KYC nudges.
Talk to us about compliant EMI reminder calling
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Frequently asked questions
Is Convo360 a good Gupshup alternative for small businesses in India?
Yes, especially if you want flat pricing without per-message markup and the option to add AI voice calling later. Small teams typically start on Starter at ₹999/month and move up only when they need more workspaces or voice.
Can I move my contacts and flows from Gupshup?
Contacts, tags and custom fields move over as a CSV import. Flow logic isn't automatically portable from most platforms, so you rebuild flows in Convo360's visual builder, usually quicker than the original build since you already know exactly what each step should do.
Will I keep my WhatsApp number?
Yes. You connect your existing WhatsApp Business number to Convo360 through Meta's embedded signup, the same mechanism used to connect it anywhere else. The number stays yours in Meta's system regardless of which platform manages it.
How is Convo360's pricing different from Gupshup?
Convo360 charges one flat monthly plan fee with no per-message or per-conversation markup, and you bring your own AI provider key so token usage is billed to you directly at the provider's rate. Check Gupshup's current pricing page for how their model compares today.
Does Convo360 support AI voice calls?
Yes. Inbound and outbound AI voice calling is available on the Pro plan and above, using Exotel, Plivo, Twilio or your own SIP trunk, with Indian-language voices from Sarvam, Smallest.ai, ElevenLabs or OpenAI, including voice cloning.
Related reading
Available across India — see WhatsApp & AI calling automation by state and city.