What Are TCPA Requirements?

Merchants utilizing the Text-To-Pay Services are required to comply with the Telephone Consumer Protection Act (TCPA).

Merchant hereby warrants and represents its compliance with the TCPA, including but not limited to the following:

  • Customers provide express written consent to receive SMS communications regarding their account(s) with Merchant before receiving texts, making the customer a Subscriber.
  • Subscribers receive a disclosure, including:
    • Merchant’s name,
    • purpose and frequency of SMS communications,
    • notice that message and data rates may apply,
    • instructions for help, and
    • instructions for how to opt-out.
  • Subscribers are provided a link to terms and conditions.
  • Subscribers are only contacted between the hours of 8am and 9pm of their local time zone.
  • All SMS communications include:
    • Merchant’s name
    • a way for Subscribers to opt-out of future messages.
  • Communication processes abide by the National Do Not Call Registry and honor opt-outs.