SMS messaging program
Last updated: July 14, 2026
Program summary
Paymentron LLC (“Paymentron”) provides software that lets a business (“Merchant”) send transactional SMS reminders to that Merchant’s own customers about past-due invoices, including a secure link to pay. Paymentron is not a debt collection agency and does not buy or rent consumer phone lists.
Who receives messages
End users are customers of the Merchant with an existing business relationship and an open or past-due invoice. Phone numbers are provided by the Merchant from their accounting system (QuickBooks or Xero) or customer contact records used for billing and service communications.
Message flow / how consent works
- The end user does business with the Merchant and receives an invoice. The Merchant stores the customer’s mobile number in the ordinary course of business for account and billing contact.
- The Merchant connects QuickBooks or Xero to Paymentron and imports past-due invoices.
- The Merchant reviews follow-up message content in Paymentron before anything sends.
- The Merchant must complete payment setup (Stripe) and explicitly authorize SMS by enabling follow-ups and checking a consent box that authorizes Paymentron to send automated SMS (and email) on overdue invoices using the Merchant’s branding and payment portal. See the merchant authorization example below.
- Only after that authorization does Paymentron send spaced transactional SMS about that customer’s own past-due invoice, including a secure payment link.
- The end user may reply STOP to opt out of further SMS, or HELP for help. The Merchant may also pause follow-ups for a customer or invoice in Paymentron at any time.
This program is not a public marketing keyword subscription (e.g. texting JOIN from a website form). Opt-in is based on the Merchant–customer relationship plus the Merchant’s explicit authorization in Paymentron.
Merchant authorization (hosted opt-in UI)
Before SMS is enabled, Merchants must confirm authorization in the Paymentron app. The consent language shown in-product is:
Live product screenshot of this step (recommended for carrier review): /sms/merchant-opt-in.png. Capture the “Turn on follow-ups” dialog in Follow-ups and save it to that path if the file is not yet uploaded.
Types of messages
Transactional account notifications only: reminders that an invoice is past due and a link to pay. Message frequency varies (typically capped and spaced; not daily marketing blasts). Message and data rates may apply.
Sample messages
- “Acme Pool Service: Hi Jordan, friendly reminder: invoice 1042 for $1,840.00 is past due. Pay here: https://app.example.com/p/abc123 Reply STOP to opt out.”
- “Acme Pool Service: Hi Jordan, invoice 1042 for $1,840.00 is past due. Please pay here: https://app.example.com/p/abc123 Reply STOP to opt out.”
Opt-out and help
- STOP (or STOPALL, UNSUBSCRIBE, CANCEL, END, QUIT): end user is unsubscribed from further SMS on this program.
- START, YES, or UNSTOP: re-opt in after previously opting out.
- HELP or INFO: help information.
Support: contact the Merchant that issued the invoice, or email support@paymentron.com.