SMS Notifications For Payments | Opt In, Opt Out, Help | Neural Payments

SMS Policy

SMS Notifications - Neural Payments

Effective Date: 11/20/2025

Overview

Neural Payments provides transactional SMS notification services to financial institutions for peer-to-peer payment systems. These messages are strictly informational and relate only to payment transactions. We never send marketing or promotional messages.

Two Types of SMS Users

We send SMS notifications to two different groups with different consent requirements:

1. Bank Customers (Payment Senders)

If you're a customer of a financial institution using our service, you can opt in to receive SMS notifications about payments you send.

2. Payment Recipients

If someone sends you money and provides your phone number, you'll receive a notification about the payment.

For Bank Customers: How Opt-In Works

If you're a customer of a bank or credit union using Neural Payments:

When you enroll in your financial institution's digital banking or payment services, you'll see an option like:

☐ I agree to receive SMS/text message notifications about my payment transactions

If you check this box, you'll receive SMS notifications about:

You can opt out at any time by replying STOP to any message or updating your preferences in your banking app.

For Payment Recipients: How It Works

If someone sends you money and you're not a bank customer (or haven't opted in):

First Payment Notification

The first time someone sends you a payment and provides your phone number, you'll receive a one-time transactional SMS that looks like:

"John Doe sent you $50.00 via Sample Bank: 'October Rent'. Claim: https://pay.samplebank.com/abc123"

This first message does not require your prior consent under FCC regulations.

Legal Basis for First Message

Under FCC regulations and TCPA (Telephone Consumer Protection Act), when someone provides your phone number as part of sending you a payment, this constitutes "prior express consent" for the financial institution to send you a one-time transactional notification about that specific payment.

This is permitted under:

Opting In for Future Notifications

When you click the link to claim your payment, you'll see a payment claim page with a checkbox:

☐ I agree to receive SMS/text message notifications for future payments sent to me

If you check this box:

If you don't check this box:

Types of Messages You May Receive

All messages are transactional only and relate to specific payment activities:

Payment Notifications (First-time, one-time transactional):

"John Doe sent you $50.00 via Sample Bank: 'October Rent'. Claim: https://pay.samplebank.com/abc123"

Payment Success Confirmations (Opted-in recipients):

"Success! John Doe sent you $50.00 from Sample Bank: 'October Rent'. Funds sent to debit card ending in 4455."

Payment Failure Alerts (Opted-in recipients):

"John Doe sent you $50.00 from Sample Bank: 'October Rent'. Payment to debit card ending in 4455 failed. Funds returned to sender."

Transaction Status (Bank customers):

"Your payment of $50.00 to Jane Smith: 'October Rent' succeeded!"

Transaction Failed (Bank customers):

"Your payment of $50.00 to Jane Smith: 'October Rent' failed. Funds returned to your account."

No Marketing or Promotional Content

Neural Payments and our financial institution partners never send marketing or promotional messages through this system.

All messages are strictly transactional notifications about payment activity. We will never:

Message Frequency

For Bank Customers: You will receive SMS notifications based on your payment activity. Frequency depends on how often you send or receive payments.

For Payment Recipients:

Opting Out

Bank Customers:

Payment Recipients:

Once you opt out, you will no longer receive SMS notifications. You can still receive payments through other channels.

Opt-In Confirmation

When you opt in (either during bank enrollment or on a payment claim page), you'll receive a confirmation message:

"Thank you for opting in! You'll receive SMS notifications for future payments sent to this number. Reply STOP anytime to opt out."

Our SMS Phone Number

Messages are sent from our toll-free number: [Insert toll-free number after approval]

Supported Carriers

Our SMS service works with all major U.S. carriers including AT&T, T-Mobile, Verizon, and most regional carriers.

Privacy & Data Protection

Neural Payments takes your privacy seriously. We:

All messages are transactional payment notifications only. No marketing data is collected or used.

For more information about how we handle your data, please see our Privacy Policy.

Consent Is Not Required for Service

You do not need to consent to SMS notifications to send or receive payments.

Compliance with Federal Regulations

Neural Payments complies with:

Our use case for first-time recipient notifications is explicitly permitted under FCC rulings for consumer-initiated payment notifications.

Questions or Concerns

For questions about a specific payment notification:

For questions about this SMS notification system:

For technical support:

This SMS notification system is for transactional payment notifications only. No marketing or promotional messages are ever sent.

Empowering Payment Flexibility

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