SMS for debt collection and short-term lending, without the 10DLC rejection
If you collect debts or run a short-term lending book, you have probably watched a mainstream SMS provider approve your account and then kill your campaign during vetting. smskick sends real SMS over physical LTE modems we own and operate, with dedicated carrier numbers and no A2P 10DLC brand or campaign registration. It is built for the consent-based, lower-volume payment reminders and account notices this industry actually runs on.
Why mainstream providers reject Debt collection and short-term lending
Debt collection and short-term lending are legal, regulated businesses, but the US A2P 10DLC system and the big CPaaS providers treat them as high-risk by default. Carrier campaign vetting puts collections, payday-style and high-APR lending, and "debt relief" messaging into restricted or prohibited buckets, so registrations get throttled, flagged, or rejected outright even when your traffic is fully opt-in. The reasons are structural, not personal: these verticals attract a high share of spam and scam traffic, they carry heavy regulatory baggage (FDCPA, TCPA, state lending and licensing rules), and carriers would rather decline the whole category than adjudicate each sender. The result is that compliant lenders and licensed collection agencies get swept up with the bad actors and lose their messaging channel.
How smskick helps
smskick does not use the A2P 10DLC brand and campaign registration path, so there is no carrier vetting committee deciding whether your industry is allowed. Your messages go out over dedicated real-carrier numbers from LTE modems we physically operate, you get a clean REST API and a dashboard, and STOP, UNSUBSCRIBE and opt-out handling is automatic with a per-tenant suppression list so a recipient who opts out stays opted out. Throughput is deliberately limited to a few SMS per minute per modem, which fits how responsible collection and lending teams actually message: targeted payment reminders, due-date notices, payment confirmations, and arrangement follow-ups to people who already have an account with you, not mass blasting. That same limit is why this is not a tool for cold outreach or buying lists, and the pricing floor is set to keep it that way.
- No A2P 10DLC brand or campaign registration, so there is no carrier vetting committee that can reject your industry
- Dedicated real-carrier numbers from LTE modems we own and operate, not shortcodes or shared pools
- Automatic STOP, UNSUBSCRIBE and opt-out handling with a per-tenant suppression list, which is essential for FDCPA and TCPA hygiene
- Clean REST API (POST /api/v1/messages) with bearer-token keys, plus campaigns, CSV contacts, live delivery tracking and analytics
- Built for consent-based, lower-volume messaging: payment reminders, due-date notices, payment confirmations and arrangement follow-ups
- Pay-as-you-go credits, free to sign up, from $0.035 per SMS segment at the largest pack with no contract
Your compliance responsibility
Consent and compliance are your responsibility as the sender, and this vertical is one of the most heavily regulated, so treat it that way. Only message people who have given you prior express consent to be contacted by text, typically captured at loan application or account onboarding. You are responsible for following the FDCPA and Regulation F (including content, timing, and frequency limits and the ban on misleading or harassing messages), the TCPA, and any state licensing and collection rules that apply to you. Never use SMS to contact third parties about someone else's debt, never disclose debt details to anyone but the consumer, and honor every opt-out immediately. smskick provides the opt-out tooling: STOP, UNSUBSCRIBE and a per-tenant suppression list are handled automatically, and we do not support spam, list-buying, or evading carrier rules for prohibited content.
Frequently asked questions
Do I need A2P 10DLC registration to send collection or lending texts through smskick?
No. smskick does not use the 10DLC brand and campaign registration path. Messages send over dedicated real-carrier numbers from LTE modems we operate, so there is no carrier campaign vetting step that can reject your industry.
Why did Twilio or another provider reject my debt collection account?
Mainstream CPaaS providers route US traffic through A2P 10DLC, where carriers classify collections and high-APR or short-term lending as high-risk. Those campaigns are frequently throttled or declined during vetting, even for fully opt-in, compliant senders, because the whole category is treated as risky rather than judged sender by sender.
Can smskick send my entire overdue book at once?
No, and that is intentional. Each modem sends only a few SMS per minute, so smskick fits low-to-medium-volume, targeted messaging to people who already have an account with you. It is not a mass-blasting tool, and consumer-SIM bulk traffic carries carrier-ban risk, so high volume is discouraged.
How are opt-outs handled for collection messages?
Automatically. When a recipient replies STOP or UNSUBSCRIBE they are added to your per-tenant suppression list and will not receive further messages from you. Honoring opt-outs is both a smskick default and a legal requirement under the TCPA and FDCPA.
Who is responsible for FDCPA and TCPA compliance?
You are. As the sender you must have prior express consent, follow FDCPA and Regulation F content, timing and frequency rules, respect state licensing and collection laws, and never disclose debt to third parties. smskick provides the opt-out tooling and suppression list, but the compliance duty stays with you.
What does it cost?
It is free to sign up and pay-as-you-go: 1 credit equals 1 SMS segment. Packs run from 250 for $15 ($0.060) down to 20,000 for $700 ($0.035 per segment), with a $0.035 per-SMS floor. There are no contracts.
Ready to send?
Free to sign up. No 10DLC registration.
Start free and get a dedicated carrier number, no 10DLC registration required. You only pay for the credits you use.