Messages and payments, protected
Legal, regulatory and carrier rules for messaging monitored by AI. Encryption and PCI standards on every payment.
Compliant texts, secure payments
FinText Protect combines the rules that govern messaging and payments with AI that monitors customer responses, so compliance is a core part of the platform instead of a separate project for your team.
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Keep messaging compliant
Messages are screened against legal and regulatory messaging rules such as TCPA and FDCPA, as well as carrier policies and industry best practices before they send, to help you navigate complex rules and optimize program results.
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Secure every payment
Card, ACH, and digital wallet payments run on a PCI-compliant gateway with fraud monitoring built in, protecting your customers and your business.
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Stay ahead of changes
SBT updates the platform as regulations and carrier policies evolve, so your program stays compliant without your team tracking each change.
Stop noncompliant messages before they send.
Messages are checked against consent, content, and timing rules before they go out, with fail-safes built into the platform.
Know who you’re cleared to message.
Opt-ins and opt-outs are tracked for each subscriber, while TextIQ and Deactivation Logic flag numbers that have been ported or deactivated (suspended or terminated). Your messages reach the people who agreed to hear from you.
Keep payment and customer data secure.
Card, ACH, and digital wallet payments run through a PCI-compliant gateway. All customer data is encrypted in transit and at rest, and access is limited to what each user needs.
Stay in control of every payment.
Enhanced fraud and transaction monitoring, with real-time reporting, gives your team deeper oversight of payment activity.
“Compliance is essential to our operations, and SBT has been a vital partner in ensuring we meet those standards.”
FAQs
FinText Protect is the compliance and security layer of the FinText platform. It screens messages against regulatory and carrier rules, uses AI to monitor customer replies, and secures payments on a PCI-compliant gateway.
It covers Federal laws and regulations such as TCPA and the FDCPA’s Reg F requirements, as well as Carrier and CTIA rules and industry best practices.
Card, ACH, Apple Pay, and Google Pay payments all run through a PCI-compliant gateway.
TextIQ is a nightly report of ported and deactivated numbers that confirms ownership hasn’t changed.
Deactivation Logic detects numbers that have been shut down or relinquished, so messages don’t reach numbers that have changed hands.