Key Takeaways
- Scenario 1373 is an insurance premium-due / lapse-warning CSV — not BNPL, chargebacks, ACH NSF, payroll, EWA, collections dunning, KYC, travel, card PIN, settlement, or dividends.
- “Premium posts Friday — last-4 8821” is transactional. “Add roadside” is marketing. Split SIMs.
- Dashboard OTP stays on a dedicated Android. A Friday lapse file will starve it.
- Priced by devices and SMS send volume. You use your own phone and operator SMS credit. Free is 1 / 300 / 300. Developer is 25,000 SMS per year.
- Do not put the full policy number, VIN, or DOB on the SMS. Last-4 + product label is enough.
- REST import fields live in Developer Center — not a CodeCanyon insurance add-on. MCP, if you use it, is only a REST wrapper.
Summary
Scenario 1373 is fintech bulk CSV for insurance premium and lapse notices. The policy admin owns the due date. The Android is a radio, not the carrier of record. Priced by devices and SMS send volume. You use your own phone and operator SMS credit.
If you SMS the full policy number because “the agent asked for it,” you have turned a lapse file into a harvest list.
Premium and lapse files
Import last-4, due date, and a portal link — not VIN or DOB. CSV import · fintech notes. Fields: Developer Center. Industry context: GSMA.
Column map
| Column | On SMS | SIM | Do not |
|---|---|---|---|
| Last-4 + due | Yes | Transactional | Full policy / VIN / DOB |
| Amount | Short ok | Same From | Reuse as a marketing key |
| Add roadside | Promo only | Promo MSISDN | Ride the lapse inbox |
| Dashboard login | OTP | Dedicated OTP phone | Share the file radio |
No policy number in full
Last-4 is enough for the member to recognize the book. Idempotent send. DLR ≠ posted — DLR.
Cost
Priced by devices and SMS send volume. You use your own phone and operator SMS credit. Free: 1 device, 300 SMS lifetime, 300 contacts. Developer: 25,000 SMS per year. Paid plans uncap platform volume; devices still meter. Pricing.
Ops
Spare radio before a Friday lapse file. Doze · setup.
Security
Drop the CSV after send. Encrypt at rest. Trust Center · OTP. Roadside STOP off the lapse inbox. STOP.
Checklist
- No full policy / VIN / DOB on SMS.
- Idempotency on last-4 + due.
- OTP isolated.
- File deleted after send.
- Airtime for the Friday file.
Next steps
Transactional SMS · SMS API documentation.
Related product pages
Jump to the live product docs for this topic—not another long-form article.
- bulk SMS from Excel and CSVSpreadsheet campaigns
- contacts, lists, and segmentsAudience hygiene
- bulk SMS with consent best practicesHigh-volume outreach
- SMS API documentationLive endpoint reference
