Key Takeaways
- A chargeback or representment CSV is a deadline file. Tone is “respond by date,” not “we miss you.”
- Join live case status at import. Closed cases leave the drip.
- Free is 1 device, 300 SMS lifetime, and 300 contacts. Developer is 25,000 SMS per year. Platform price is devices plus send volume.
- Login OTP stays off the chargeback batch SIM.
- Idempotency is case-id plus notice-day — acquirers re-export the same week.
Summary
Scenario 161 is fintech bulk CSV for chargebacks and representment notices — not payouts and not KYC nudges. Risk drops a daily open-case export. If you treat it like a campaign, you will text people whose case already closed and you will leak payment identifiers. Service pricing is devices plus SMS send volume. You bring the phone and operator credit. Free is 1 device, 300 SMS lifetime, and 300 contacts.
Developer is 25,000 SMS per year. Professional allows 5 devices so OTP, chargeback, and a spare are separate. Uncapped platform volume is not free airtime. Confirm fields in Developer Center.
open case · deadline · skip closed
re-export does not mint a second notice
Chargeback files are legal mail, not marketing
Allowed columns: case id, E.164, locale, notice type (first / final), deadline date, correlation id. Forbidden: full PAN, full RRN, CVV, government id, raw OTP. Counsel owns the body. This blog does not.
Security, OTP, transactional SMS.
If the merchant already won the case at 08:00 and the 08:10 file still lists it, the join must drop the row. A “respond now or we debit you” text after a win is a complaint and wasted airtime.
Chargeback CSV matrix
| Defect | Gate | If skipped |
|---|---|---|
| Case already closed | Live join | False urgency |
| Same case, same notice-day | Skip | Two legal-sounding texts |
| PAN in a column | Reject file | PCI mess on a prepaid SIM |
| Missing locale | Fail or legal default | Wrong-language deadline |
Response windows and quiet hours
Final notices may ignore marketing quiet hours if counsel says so. First notices should not go out at 02:00 because a batch job is convenient. Drip inside OEM and carrier fair-use — not “unlimited SMS.”
What the row may contain
Last-four plus portal. Persist file hash + case-id + notice-day. DLR is radio. The case system is truth. BIS CPMI is framing, not your statute.
Devices, volume, and airtime
Three meters: Androids, platform sends, operator SMS. Free (1/300/300) is a dry run. Closed cases skipped at import cost nothing on the radio.
Representment-week operations
Pairing, charge, OTP isolated, staff canary on a fake case id. Setup, Downloads, pricing.
Decision guide
Ship when live join, masked templates, and OTP isolation exist. Delay if risk emails a raw acquirer dump. No-phone-ops: aggregator for that regulated lane.
Chargeback checklist
- No PAN/RRN in file or body.
- Live case status at import.
- Idempotency = case-id + notice-day.
- OTP isolated.
- Counsel-owned copy.
- Developer Center fields confirmed.
Next steps
Scenario 41 payouts, scenario 101 KYC, gateway overview.
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
