Key Takeaways
- Scenario 413 is an IRA-contribution confirmation CSV — not margin calls, RSU vests, crypto withdrawals, domestic wires, brokerage trade confirms, 529 contributions, 401(k) match, HSA/FSA, 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.
- “IRA IR-7 posted — last-4 63” is transactional. “Open a Roth with us” is marketing. Split SIMs.
- Dashboard OTP stays on a dedicated Android. A contribution-window 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 contribution amount or SSN on the SMS. IRA id + last-4 is enough.
- REST import fields live in Developer Center — not a CodeCanyon IRA add-on. MCP, if you use it, is only a REST wrapper.
Summary
Scenario 413 is fintech bulk CSV for IRA contribution confirms. The custodian owns the cycle. The Android is a radio, not the IRA file. Priced by devices and SMS send volume. You use your own phone and operator SMS credit.
If you SMS the dollar amount because “people like the number,” you have turned a confirm file into a harvest list.
IRA contribution files
Import IRA id, last-4, and a portal link — not contribution amount. CSV import · fintech notes. Fields: Developer Center. Industry context: GSMA.
Column map
| Column | On SMS | SIM | Do not |
|---|---|---|---|
| IRA + last-4 | Yes | Transactional | Amount / SSN |
| Tax year short | Ok | Same From | Reuse as a marketing key |
| Open-Roth pitch | Promo only | Promo MSISDN | Ride the confirm inbox |
| Dashboard login | OTP | Dedicated OTP phone | Share the batch radio |
No amount on the SMS
Last-4 is enough for the client to recognize the confirm. 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 contribution-window run. Doze · setup.
Security
Drop the CSV after send. Encrypt at rest. Trust Center · OTP. Roth-pitch STOP off the confirm inbox. STOP.
Checklist
- No amount / SSN on SMS.
- Idempotency on IRA + last-4.
- OTP isolated.
- File deleted after send.
- Airtime for contribution-window run.
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
