PaymentVision 5.6.10

April 6, 2020

PaymentVision 5.6.10 is now available in production. The purpose of this release is to introduce the PaymentVision Text Messaging Platform.

The PaymenVision Text Messaging Platform has the following features:

  • Address Book
  • Phone Registration Management
  • Subscription Management
  • Notification Rules
  • Batch Processing
  • Keyword Management
  • Pay by Text
  • URL Shortening
  • Text-enabled Toll Free Numbers
  • Daily Reporting
  • Text Messaging API

Address Book

Address Book is an existing feature of the PaymentVision Portal that has been extended it to include phone numbers, in addition to physical and email addresses.

How it Works

When a phone number is added to the Address Book it is included in the Sender drop-down list within Text Notification Rules.

address-book

Use Case

Sender address management

Phone Registration Management

How it Works

  1. User looks up customer within Transaction Portal
  2. PaymentVision Portal presents Customer Manager screen
  3. User locates phone number and clicks Unregister link within Customer Communications panelremove-phone-number
  4. System presents Unregister verification pop-upunregister-verification
  5. User clicks OK
  6. PaymentVision Portal unregisters phone via PayAPI

Use Case

Comply with the Fair Debt Collection Practices Act, Telephone Consumer Protection Act and CTIA short code program guidelines

Limitation

While the PaymentVision Portal can be used to unregister a phone number, it cannot be used to register a new phone number.  Customers can, however, register a new phone number within PayWeb 2.

Subscription Management

Subscription Types

Subscription Type Description
Receive account information Receive account related information such as payment reminders, past due alerts and transaction event notifications
Make payments via text Make payments within an interactive text messaging workflow

How it Works

  1. User looks up customer within Transaction Portal
  2. PaymentVision Portal presents Customer Manager screen
  3. User locates phone number and clicks Subscriptions link within Customer Communications panelsubscription-link
  4. System presents Subscriptions
  5. User updates subscriptions and clicks Save
  6. PaymentVision Portal updates subscriptions

Use Case

Comply with the Fair Debt Collection Practices Act, Telephone Consumer Protection Act and CTIA short code program guidelines

Dependency

In order for a customer to receive a text message as part of a notification subscription, the merchant must have an active notification rule within the PaymentVision Portal.

Notification Rules

Rule Types

Notification Rule Structure Description
PaymentPastDueAlertText Send Notification Text {integer} days after payment due date

text-due-alert
PaymentReminderText Send Notification Text {integer} days in advance of payment due date

payment-reminder-text
TransactionEventNotificationText Send Notification Text when a {FinancialAccountType} {TransactionType} reaches an {EventType} state.

pay-by-text-transactions

Use Cases

  • Payment reminders
  • Payment past due alerts
  • Payment confirmations

Dependencies

Dependency Description
Client Reference Data PaymentPastDueAlertText and PaymentReminderText are dependent on the upload of client reference data either as part of a customer information file or integrated web service.
Opt-in In order for a customer to receive a text message as part of a text notification rule, the customer must first opt-in to a notification subscription.

 

Limitation

TransactionEventNotificationText is limited to originated as an Event Type.

Batch Processing

How it Works

  1. Merchant uploads text messaging request file
  2. PaymentVision processes file
  3. PaymentVision sends Merchant a daily SMS Detail File
  4. PaymentVision sends Merchant a daily Deactivated Phone Numbers File

Use Cases

  • Collection notices
  • Payment reminders
  • Payment past due alerts

Keyword Management

How it Works

Keyword Description
CANCEL, END, OPT OUT, OPT-OUT, QUIT, REMOVE, UNSUBSCRIBE
  1. PaymentVision looks up customer reference code associated with the end user’s phone number
  2. PaymentVision unregisters the phone number
  3. PaymentVision sends the end user a final confirmation message
STOP
  1. PaymentVision looks up customer reference code associated with the end user’s phone number
  2. PaymentVision unregisters the phone number

Asynchronously,

  1. Text-enabled toll free network provider adds end user to opt-out list
  2. Text-enabled toll free network provider sends end user a final confirmation message
HELP PaymentVision sends end user a help message
PAY see Pay by Text

Use Case

Comply with the Fair Debt Collection Practices Act, Telephone Consumer Protection Act and CTIA short code program guidelines

Pay by Text

Pay by Text is an interactive text messaging workflow triggered by the word “Pay”.

How it Works

  1. Customer sends a text with the word “Pay” (either on their own or in response to a Payment Past Due Alert or Payment Reminder)
  2. PaymentVision checks the customers subscription status
  3. PaymentVision verifies the financial account on file
  4. Customer pays with the financial account on file or requests a link to create a new one
  5. PaymentVision notifies the customer of the amount due
  6. Customer pays the amount due or another amount
  7. PaymentVision enforces any minimum or maximum
  8. PaymentVision sends a payment verification request
  9. Customer verifies payment
  10. PaymentVision sends payment confirmation

URL Shortening

How it Works

When PaymentVision includes a url within a text message it first shortens it.  A redirect is then created associating the shortened URL to the long URL.

Use Case

Avoid exceeding SMS message 160 character limit

Text-enabled Toll Free Numbers

Text-enabled Toll Free Numbers are toll free numbers that can be used in both voice and text messaging.  As part of its text messaging platform, PaymentVision provides a toll free number text-enabling service.

Use Case

Text message origination

Features

Digit Length 10 digits
Sender ID Toll Free Number
Requires Campaign Approval No
Provisioning 1 – 3 days
Throughput 50 msg/sec
Delivery Receipts Yes
Endorsed by US Carriers Yes
Endorsed by CTIA Yes
US Carrier Support All

Daily Reporting

Report Description
SMS Detail Mobile terminated and mobile originated messages within the past 24 hours
Deactivated Phone Numbers Phone numbers that have been deactivated from US mobile operators within the past 24 hours

 

 

Text Messaging API

Request Methods

Request Method Description
GetAuthenticationCode Used to retrieve a device registration code
SendTextMessage  Used to send a text message
RegisterEndPointByCode Used to register a new phone number
UnRegisterPhoneNumber Used to unregister a phone number
GetTextMessageSubscriptions Used to retrieve a customer’s text message subscriptions.
SubscribeToTextMessage Used to subscribe to a text message.
UnSubscribeToTextMessage Used to unsubscribe to a text message.
GetCustomersByPhoneNumber Used to retrieve the customers associated with a phone number

Use Case

Integrate phone verification, subscription management and text messaging into an external software application.