SMS & RCS built for
finance — smishing-proof.
Verified-sender SMS and RCS for banks, credit unions, fintech, lenders, insurance, and payments platforms. Anti-smishing branded messages, TCPA enforced server-side, and an audit-ready consent ledger your regulators will love.
Verified-sender RCS
Branded blue-check messaging that smishing attackers can't fake.
TCPA enforced server-side
Send-window, consent, frequency caps — applied at the API.
Audit-ready ledger
Per-contact consent record, exportable for any TCPA defense.
KYC & 2FA approvable
Account Notifications and 2FA approve in 1–2 days.
For every kind of finance org
Whether you're running a national bank, a neobank, a lending platform, an insurance carrier, or a payments processor — Pinnacle has the carrier approvals and the verified-sender stack you need.
Banks & credit unions
Card transaction and balance alerts, fraud confirms, login-from-new-device, statement availability, and wire/ACH confirmations. Verified-sender RCS kills smishing on patient-portal-style attacks.
Fintech & neobanks
KYC and onboarding verification, account-status messages, disbursement confirmations, and audit-ready marketing consent. Multi-tenant compliance for platforms managing sub-accounts.
Payments & processors
Transaction confirmations, dispute and chargeback notifications, tokenized payment links over RCS, and merchant-side webhook sync. Idempotent sends so retries don't double-charge or double-text.
Lending platforms
Application-status messages, approval and funding confirmations, payment due reminders (with documentation), and refinance offers under express written consent — all carrier-approved.
Insurance carriers
Claims status updates, policy renewal reminders, quote follow-ups, document upload requests over RCS, and verified-branded messaging that beats fraud-spoof attempts.
Fraud & risk teams
Real-time fraud alerts with one-tap confirm-or-dispute over RCS, login anomaly notifications, and verified-sender authentication that customers actually trust.
SMS + verified-sender RCS for banking
Customers see your bank's name, logo, and a blue checkmark on RCS — not a random short code. SMS covers every other device on the same number. Smishing impersonation fails before it starts.
Use cases we get approved
- Card transaction & balance alerts
- Fraud & anomaly confirmations (RCS one-tap)
- Account verification & one-time passcodes
- Login-from-new-device alerts
- Wire & ACH confirmations
- Disbursement & funding notifications
- Claims status & policy renewals
- KYC & onboarding verification
- Tokenized payment links over RCS
- Marketing with audit-trail consent
Each falls under a specific 10DLC category. We map yours and draft the registration before you submit.
Universal SMS reach + the first carrier-grade channel attackers can't spoof.
Banks and card issuers are the most impersonated brands in smishing attacks. RCS is the first carrier-grade channel where the sender is cryptographically verified, the brand is visible, and every interaction is logged — and Pinnacle pairs it with universal SMS so every customer gets the right message on the right rail.
Verified bank brand
Customers see your name, logo, and a blue checkmark — backed by Google's RBM verification. Smishing-spoof attempts fail before the first tap.
One-tap fraud confirm
Customers confirm a transaction, dispute a charge, or approve a payment in one tap. No copy-pasting OTPs into a phishing site.
Higher engagement on alerts
RCS read rates and CTRs consistently outperform SMS for fraud alerts and account messages. Faster response, lower fraud loss.
Read & delivery receipts
Per-recipient timeline of what was sent and seen — useful for fraud-defense workflows and TCPA defense alike.
Rich payment & document flows
Send tokenized payment cards, statement PDFs, claim forms, and structured replies inline. No portal login required.
Automatic SMS fallback
When a customer isn't on an RCS-capable device, Pinnacle falls back to SMS over the same number and API call.
CTIA & TCPA, handled at the API layer
Every CTIA Messaging Principle and TCPA requirement, enforced automatically. Plus the finance-specific guardrails that keep risk, ops, and compliance teams happy.
Auto STOP / HELP / UNSUBSCRIBE
STOP, HELP, CANCEL, END, QUIT, UNSUBSCRIBE handled automatically across SMS and RCS — in every supported language. Once a customer opts out, every send to that number is blocked at the API layer.
Audit-ready consent log
Every opt-in is logged with timestamp, source, IP, and the exact disclosure language shown. Per-contact retrieval in one API call — your TCPA defense is one query away.
Recipient-local send window
TCPA's 8am–9pm window enforced per-recipient based on resolved local time. Time-critical fraud alerts get documented overrides written into the audit log automatically.
Cross-channel opt-out propagation
A STOP on SMS automatically blocks RCS, MMS, and future sends to that number — and vice versa. The post-opt-out gap that drives TCPA class-actions is closed at the API.
Core-banking webhook sync
Inbound STOP, HELP, complaint, and carrier-feedback events stream to your webhook in real time so your CRM, fraud system, and core banking stay in lockstep with Pinnacle.
Pre-send policy engine
Every outbound message validated against the recipient's consent state, the campaign's registered use case, and quiet-hour rules. Violations blocked before they leave your code path.
Finance messages other CPaaS reject. We get them approved.
10DLC use-case categorization is where most finance registrations stall. We tell you upfront which lane each message falls into — before you submit.
| Use case | 10DLC category | Pinnacle outcome |
|---|---|---|
| Fraud & transaction alerts | Account Notifications | Approved in 2-3 days |
| OTP & account verification | 2FA | Approved in 1-2 days |
| Card transaction & balance alerts | Account Notifications | Approved in 2-3 days |
| KYC & onboarding verification | 2FA | Approved in 1-2 days |
| Wire & ACH confirmations | Account Notifications | Approved in 2-3 days |
| Claims status & policy renewals | Insurance | Approved in 2-3 days |
| Loan application & approval status | Account Notifications | Approved in 2-3 days |
| Disbursement & funding notifications | Account Notifications | Approved in 2-3 days |
| Marketing under express written consent | Marketing | Approved in 2-3 days |
| High-cost / payday lending | Restricted | Not supported on US carriers |
Categorization and outcomes vary by content, opt-in flow, and brand history. We confirm yours during the 15-min call before you submit.
Your customers stop trusting random short codes.
Verified-sender RCS shows your bank's name, logo, and a blue checkmark on every message. Smishing impersonation fails. Customer trust goes up. Fraud-loss and complaint volume drop.
See the verified-sender RCS demo →Customer-reported smishing complaints were our biggest trust-and-safety line item. After moving fraud alerts to verified-sender RCS, complaint volume dropped 70% in a quarter — and our fraud-confirm tap-through rate doubled.
Common questions
What finance teams ask before they sign.
Smishing-proof messaging, without the compliance team.
Book a 15-minute call. We'll review your current consent stack, draft your registration, walk you through verified-sender RCS, and tell you exactly which TCPA gaps to close — for free.
Book a finance call →Trusted by banks, neobanks, lenders, and payments platforms · Vendor & security reviews welcomed