Key Takeaways
- Scenario 173 is an FSA plan-year runout CSV — not COBRA premiums, options assignments, CD maturities, IRA contributions, margin calls, RSU vests, crypto withdrawals, domestic wires, brokerage trade confirms, 529 contributions, 401(k) match, HSA deposits, escrow interest, 1099 notices, garnishment remits, annuity payables, dividends, loan draws, FX, insurance lapse, BNPL, chargebacks, ACH NSF, payroll, EWA, collections, KYC, travel, card PIN, or settlement.
- “FSA F-19 runout — last-4 44” is transactional. “Shop a new FSA card” is marketing. Split SIMs.
- Dashboard OTP stays on a dedicated Android. A March runout 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 remaining balance or SSN on the SMS. FSA id + last-4 is enough.
- REST import fields live in Developer Center — not a CodeCanyon FSA add-on. MCP, if you use it, is only a REST wrapper.
Summary
Scenario 173 is fintech bulk CSV for FSA plan-year runout. Benefits owns the file. The Android texts last-4, not remaining dollars. Priced by devices and SMS send volume. You use your own phone and operator SMS credit.
If you paste remaining spend into the SMS, you have turned a runout notice into a leak — and members will treat F-19 as phishing.
FSA runout files
Import only posted runout rows. CSV import · fintech notes. Fields: Developer Center. Industry notes: GSMA.
Column map
| Column | On SMS? | SIM | Do not |
|---|---|---|---|
| FSA id + last-4 | Yes | Transactional | Retry-SMS on file reload |
| Remaining spend | No | — | Paste dollars in the body |
| New FSA card | Promo | Promo MSISDN | Ride the runout inbox |
| Staff login | OTP | Dedicated OTP phone | Share the import radio |
No spend on the SMS
F-19 + last-4 is enough. Idempotent send. DLR ≠ member saw it — 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
Charge the import radio before March runout. Doze · setup.
Security
Drop the CSV after send. Trust Center · OTP. Card-shop STOP off the runout inbox. STOP.
Checklist
- Posted runout rows only.
- No remaining spend on SMS.
- Idempotency on FSA + last-4.
- OTP isolated.
- Airtime for March runout.
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
