Text to Pay: How to Collect Payments via SMS | Conversational Commerce
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Text to Pay: How to Collect Payments via SMS
Published by Chatfully | 5 min read
Nobody likes chasing down late invoices. By implementing "Text-to-Pay," businesses are drastically reducing collection times by bringing the payment gateway directly to the customer's mobile device.
What is Text-to-Pay?
Text-to-pay (or SMS payments) allows you to send a secure invoice link directly to a customer's smartphone via text message. With a couple of taps, the customer can pay using a credit card, Apple Pay, or Google Pay.
Why You Need SMS Invoicing
1. Faster Invoice Resolution
Paper invoices sit on desks, and emailed invoices get buried. Because most text messages are read within three minutes, sending an SMS payment link creates immediate action.
2. Unmatched Convenience
Customers want the path of least resistance. Typing standard credit card details into a portal takes time. A mobile payment link that integrates with their phone's native digital wallet (like Apple Pay) allows them to settle a bill in seconds.
3. Follow-ups and Automation
If an invoice approaches its due date, your business texting platform can automatically trigger a polite SMS reminder. This hands-off approach to debt collection saves your accounting team hours of manual phone calls.
Best Practices for Security
Always ensure your payment links lead to PCI-compliant gateways. Never ask a customer to text back their full credit card number—always use specific, encrypted payment links.
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