Consent, Not Wording, Governs SMS Payment-Failure Reminders

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The piece argues that text messages about failed payments work better than email but raise a prior question of whether the sender was permitted to message the customer at all. In the US, that permission rests with the merchant, who must have obtained customer consent when the subscription began. The recovery platform Swipe Again reportedly operates within this framework, requiring merchants to warrant customer consent, including an opt-out line in every message. Opt-outs are added to a suppression list checked before each send, and STOP and START replies are processed instantly via webhook. The platform also limits texting to three messages per failed payment and blocks mass messaging, while the article notes that clear, human copy still matters but comes second to a provable consent chain.

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