Key Takeaways
- Scenario 1973 is a collections or chargeback-notice CSV, not a Friday payroll run. Tone, consent, and legal copy differ.
- Never put PAN, full account, or OTP in a spreadsheet column that will be concatenated into SMS.
- Dry-run row counts against a control file. A 1% MSISDN shift is a complaint event, not a rounding error.
- Priced by devices and SMS send volume. You use your own phone and operator SMS credit. Free is 1 / 300 / 300.
- Login step-up stays on its own charged Android. Collections volume will starve it.
- Developer Center owns import/send fields. This page is the control-room habit.
Summary
Scenario 1973 is fintech bulk CSV for collections, chargeback acknowledgements, and “document missing” nudges — not payroll. The file is evidence. The Android is a radio. Priced by devices and SMS send volume. You use your own phone and operator SMS credit.
If the CSV still has a column named
otporcard16, delete the file. Do not “map it unused.” Someone will concatenate it next quarter.
Collections and chargeback files
Risk and ops drop delimited extracts. Your worker checks legal template id, timezone, and “do not contact” flags before radio. CSV habits · fintech playbook. Live fields: Developer Center. Industry context: GSMA.
File classes
| File | Tone | Device | Hard fail |
|---|---|---|---|
| Past-due notice | Approved collections copy only | Notice pool | Missing template id or DNC flag |
| Chargeback received | Fact + portal link | Notice pool | Amount or PAN in any mapped column |
| Step-up / login OTP | Digits + expiry | Dedicated OTP phone | Same pool as the CSV |
What must not be in a cell
Strip PAN, CVV, full IBAN, government id, and one-time codes in the parser. E.164 only from a known column. Number formats · Trust Center.
Throttle vs OEM ceilings
Dunning loops that ignore radio pace get the SIM filtered and still spend prepaid. Rate ceilings. Resume by notice id, not full re-import. Idempotent send.
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/year. Paid plans uncap platform volume; devices still meter. No silent $0.0x overage on Free/Developer — send pauses. Pricing.
Ops
Name an abort owner. Canary 15 compliance-staff numbers. Spare charged device. Failover · setup.
Security
Encrypt extracts at rest. Promo refinance blasts need STOP on another MSISDN. STOP · OTP.
Checklist
- PII column denylist in CI, not a wiki.
- DNC + template id required.
- OTP phone isolated.
- Control totals match before enqueue.
- Airtime for retries; abort path written.
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
