Key Takeaways
- Scenario 833 is a 401(k) employer-match posting CSV — not 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.
- “Match K-12 posted — last-4 53” is transactional. “Roll into our IRA” is marketing. Split SIMs.
- Dashboard OTP stays on a dedicated Android. A payday match 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 SSN, full plan account, or EIN on the SMS. Match id + last-4 is enough.
- REST import fields live in Developer Center — not a CodeCanyon 401(k) add-on. MCP, if you use it, is only a REST wrapper.
Summary
Scenario 833 is fintech bulk CSV for 401(k) employer-match postings. The recordkeeper owns the cycle. The Android is a radio, not the plan file. Priced by devices and SMS send volume. You use your own phone and operator SMS credit.
If you SMS the full plan account because “support asked for it,” you have turned a match file into a harvest list.
401(k) match files
Import match id, last-4, and a portal link — not full account. CSV import · fintech notes. Fields: Developer Center. Industry context: GSMA.
Column map
| Column | On SMS | SIM | Do not |
|---|---|---|---|
| Match + last-4 | Yes | Transactional | SSN / full account / EIN |
| Amount | Short ok | Same From | Reuse as a marketing key |
| IRA roll pitch | Promo only | Promo MSISDN | Ride the match inbox |
| Dashboard login | OTP | Dedicated OTP phone | Share the file radio |
No plan account on the SMS
Last-4 is enough for the participant to recognize the post. 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 payday match run. Doze · setup.
Security
Drop the CSV after send. Encrypt at rest. Trust Center · OTP. IRA-pitch STOP off the match inbox. STOP.
Checklist
- No SSN / full account / EIN on SMS.
- Idempotency on match + last-4.
- OTP isolated.
- File deleted after send.
- Airtime for payday match 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
