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SMS Pay Service

Get paid faster with secure, compliant pay‑by‑text. We help you launch an sms pay service customers actually finish—one tap from message to payment—so you cut costs, reduce DSO, and boost collection rates without more phone calls.


Why SMS Pay

  • Frictionless checkout: Tap a secure link in the text → hosted payment page → Apple Pay, Google Pay, card, or ACH.

  • Faster collections: Meet customers where they are; convert reminders into completed payments in minutes.

  • Lower costs: Automate outreach and retries; free up agents from manual billing calls.

  • Built‑in compliance: TCPA consent handling, 10DLC registration, opt‑out management, and PCI‑ready payment links.

  • Omnichannel ready: Pair with email, voice, or live agents; escalate only when needed.


How It Works

  1. Trigger — An invoice is created, past due, or a deposit is requested. Triggers can be API/webhook, SFTP file, or manual upload.

  2. Consent & Registration — We provision 10DLC/short code, verify brand/campaign, and import/track SMS consent.

  3. Message Flow — Branded text with a shortened, signed link (per‑customer/per‑invoice). Optional two‑way flows for questions, promises‑to‑pay, or plan changes.

  4. Secure Payment Page — Tokenized link opens a PCI‑ready, mobile‑first page. Support Apple Pay, Google Pay, debit/credit, ACH, stored cards, or payment plans.

  5. Confirmation — Instant receipt by SMS/email. Optional PDF receipt.

  6. Reconciliation — Postbacks update your CRM/ERP. Dashboards show payments, deliverability, opt‑outs, and failed attempts.


Key Features

  • Two‑way SMS with agent handoff when needed

  • Smart dunning cadences with quiet hours, time‑zone logic, and holiday rules

  • Branded short links with click tracking and deep link parameters

  • Payment methods: Apple Pay, Google Pay, card, ACH; optional stored tokens

  • Payment plans & partials with automated schedule reminders

  • Promises‑to‑pay capture and automatic follow‑ups

  • Language support (EN/ES out of the box; others available)

  • Template & A/B testing for message copy and timing

  • Reporting & analytics: collection rate, time‑to‑pay, cost per collected dollar, opt‑out/deliverability

  • Dispute workflow with reason capture and agent review queue

  • Sandbox & UAT environment before go‑live


Compliance & Security

  • PCI‑DSS: Card data never touches your systems; payments are completed on a PCI‑ready hosted page from your chosen gateway or ours.

  • TCPA & CTIA: Opt‑in/opt‑out keywords (START/STOP/HELP), consent records, and audit trails.

  • 10DLC: Brand and campaign registration, use‑case vetting, and throughput optimization.

  • PHI/PII: Optional HIPAA‑aligned workflows (no PHI in message content).

  • Data retention controls: Role‑based access, encryption in transit/at rest, and configurable retention windows.


Note: This page is for general information and is not legal advice; consult your counsel for jurisdiction‑specific requirements.


Integrations

Payment Gateways: Stripe, Braintree, Authorize.Net, Adyen, Worldpay, PayPal, and others.

Billing/ERP/CRM: Salesforce, HubSpot, Microsoft Dynamics, QuickBooks, NetSuite, Zoho, FreshBooks, and custom.

Contact Center & Messaging: Native SMS (10DLC/short code), MMS, RCS (where available), and WhatsApp (optional add‑on).


Popular Use Cases

  • Utilities — Past‑due reminders, payment plans, outage fee payments (pairs well with our utility call center outsourcing pages)

  • Healthcare providers — Copays, balances after insurance, prior‑auth deposits, early‑out collections

  • Higher education — Tuition installments, fees, bookstore balances, event deposits

  • eCommerce & subscriptions — Failed payment recovery, renewals, buy‑now balances

  • Property management — Rent, deposits, late fees with payment plans and reminders

  • Field & home services — On‑site COD links, reschedule fees, service plan renewals

  • Transportation & travel — Change fees, upgrades, deposits, no‑show charges


Implementation Roadmap

  1. Discovery — Systems, use cases, compliance requirements

  2. Connectivity — Gateway connection and data mapping

  3. Registration — 10DLC brand/campaign approval; consent approach

  4. Templates & Flows — Copy, languages, cadences, and routing

  5. Testing — UAT with real devices, failover, and reporting sign‑off

  6. Launch & Optimize — KPI tracking, A/B tests, and quarterly reviews


What You’ll Measure

  • Collection rate by segment and channel

  • Median time‑to‑pay from first SMS

  • Cost per collected dollar vs. phone/email

  • Deliverability, click‑through, and conversion

  • Opt‑out and complaint rates (and remediation)


FAQs

Does this replace my payment processor? No. We can connect to your existing gateway or provide options if you need one.


Is it PCI compliant? Yes—payments complete on a PCI‑ready hosted page. We do not store card numbers.


Do you handle 10DLC registration? Yes. We prepare brand/campaign submissions and keep templates compliant.


What about opt‑outs and wrong numbers? STOP immediately ceases messaging; we log consent state and suppress future sends. Wrong‑party workflows and scrubs are available.


Short code or 10DLC? Both are supported. 10DLC is standard; short code is available for high‑volume or specific use cases.


Do you support WhatsApp or RCS? Yes—optional. We recommend starting with SMS and adding channels as needed.


Can agents step in? Yes. Two‑way SMS escalation is available.


Quiet hours? Yes. Configure by time zone with holiday exclusions.


Ready to Launch Your SMS Pay Service?

Let's schedule a demo and we’ll map your use cases, connect your gateway, and set up compliant templates:


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