Key Takeaways
- A class-action CSV is class members whose ACH actually posted — not a file of approved claims.
- “Deposit sent” is operational. Case-news is a different purpose with STOP.
- Free is 1 device, 300 SMS lifetime, and 300 contacts. Developer is 25,000 SMS per year. Platform price is devices plus send volume.
- Portal OTP stays off the batch SIM.
- Idempotency is claim-id plus pay-cycle — same-day refiles must not double-text.
Summary
Scenario 1601 is fintech bulk CSV for class-action disbursements — not unclaimed property, not VA compensation, not garnishment, not SNAP. Claim-approved is a hint. ACH posted is the join. Service pricing is devices plus SMS send volume. You bring the phones and operator credit. Free is 1 device, 300 SMS lifetime, and 300 contacts.
Starter allows 2 devices: batch dual-SIM plus a spare. Uncapped platform volume is not unlimited carrier SMS. Confirm payloads in Developer Center.
approved · posted · SMS
claim + cycle — refiles send once
A class-action payout is not a law-firm blast
Posted copy names the cycle and last-four. Case-news lives elsewhere. Mixing them is how a class member STOPs the week the only deposit they needed is actually in the account.
If ops fires “paid” when the claim is approved, the member thinks cash is available. Join ACH posted. Suppress approved-to-member templates.
Settlement CSV matrix
| Event | SMS | Failure |
|---|---|---|
| Claim approved | None or “in process” | “Deposited” days early |
| ACH posted | Cycle + last-four | Next-class stuffed in |
| Same-day refile | Once after new post | Two paid texts |
| Portal OTP | Auth pool | OTP on the batch radio |
ACH posted vs claim approved
Persist claim-id plus pay-cycle. DLR. MCP wraps REST only.
Opt-out copy is not auto-reply
The SMS is that deposit. A newsletter is marketing. FTC business guidance is not a reason to hide last-four behind a next-class pitch.
Devices, volume, and airtime
Court-ordered cycles spike. We meter devices and platform sends. Free (1/300/300) is one cycle proof.
Cycle operations
Charge the batch chassis before ACH windows. Setup, Downloads, pricing.
Decision guide
Ship when notice joins ACH posted. Delay if approved texts “deposited.” Not a CodeCanyon claims pack.
Settlement checklist
- Cycle-keyed idempotency.
- Next-class off the posted template.
- OTP off the batch SIM.
- Refile suppress in-cycle.
- Developer Center fields confirmed.
Next steps
Scenario 1541 unclaimed property, scenario 1481 VA.
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
