Key Takeaways
- Scenario 893 is an HSA / FSA contribution-posting CSV — not escrow interest, 1099 notices, garnishment remits, annuity payables, dividends, loan draws, FX, insurance lapse, BNPL, chargebacks, ACH NSF, payroll, EWA, collections, KYC, travel, card PIN, or settlement.
- “HSA HS-9 posted — last-4 17” is transactional. “Open a brokerage IRA” is marketing. Split SIMs.
- Dashboard OTP stays on a dedicated Android. A payday contribution file will starve it.
- Priced by devices and SMS send volume. You use your own phone and operator SMS credit. Free is 1 / 300 / 300. Developer is 25,000 SMS per year.
- Do not put SSN, full account, or employer EIN on the SMS. Contribution id + last-4 is enough.
- REST import fields live in Developer Center — not a CodeCanyon HSA add-on. MCP, if you use it, is only a REST wrapper.
Summary
Scenario 893 is fintech bulk CSV for HSA and FSA contributions. The administrator owns the cycle. The Android is a radio, not the benefits file. Priced by devices and SMS send volume. You use your own phone and operator SMS credit.
If you SMS the full account because “support asked for it,” you have turned a contribution file into a harvest list.
HSA contribution files
Import contribution id, last-4, and a portal link — not full account. CSV import · fintech notes. Fields: Developer Center. Industry context: GSMA.
Column map
| Column | On SMS | SIM | Do not |
|---|---|---|---|
| Contribution + last-4 | Yes | Transactional | SSN / full account / EIN |
| Amount | Short ok | Same From | Reuse as a marketing key |
| Brokerage IRA pitch | Promo only | Promo MSISDN | Ride the contribution inbox |
| Dashboard login | OTP | Dedicated OTP phone | Share the file radio |
No account on the SMS
Last-4 is enough for the member to recognize the post. Idempotent send. DLR ≠ posted — DLR.
Cost
Priced by devices and SMS send volume. You use your own phone and operator SMS credit. Free: 1 device, 300 SMS lifetime, 300 contacts. Developer: 25,000 SMS per year. Paid plans uncap platform volume; devices still meter. Pricing.
Ops
Spare radio before a payday contribution run. Doze · setup.
Security
Drop the CSV after send. Encrypt at rest. Trust Center · OTP. IRA-pitch STOP off the contribution inbox. STOP.
Checklist
- No SSN / full account / EIN on SMS.
- Idempotency on contribution + last-4.
- OTP isolated.
- File deleted after send.
- Airtime for payday contribution run.
Next steps
Transactional SMS · SMS API documentation.
Related product pages
Jump to the live product docs for this topic—not another long-form article.
- bulk SMS from Excel and CSVSpreadsheet campaigns
- contacts, lists, and segmentsAudience hygiene
- bulk SMS with consent best practicesHigh-volume outreach
- SMS API documentationLive endpoint reference
