Solutions By Text (SBT)

General

LoanPro is integrated with  Solutions By Text (SBT) to make it possible to send text messages through our software.  Because of the restrictions on sending unsolicited text messages, it is important to note that a phone number will have to be registered (message sent and confirmed) in order to send texts.  You also aren’t able to send a freely written message.  Text message templates can be set up with SBT and you can add as many templates to your library as you want, but you can’t simply type out a text and send it to your customers.

To get started, you will need to create an account with Solutions By Text. To sign up for SBT go to  https://www.solutionsbytext.com/ecommerce/ and enter LOANPRO as the promo code. This is the easiest way to sign up and to get the pricing we negotiated.

Integration

Once you have an account with SBT, navigate to Settings > Company > Plugins > Solutions By Text (SBT) to enter your credentials.

To enter your credentials, click Edit.

These things should be provided to you by Solutions By Text except for the SBT Environment setting.  This setting lets you choose whether you will be using your live account inside LoanPro, or an SBT sandbox account.  Once you’ve entered all your credentials, click Save.  Now you are free to  send text messages to your  customers.

Your customers can respond to your text messages, but in order for the responses to show in the Communication History inside the customer, you will have to add LoanPro callback URLs to your SBT account. The callback URLs for each LoanPro environment are as follows:

Beta:

Callback url:  https://beta-loanpro.simnang.com/api/public/thirdparty.php/sbt/callback

Status url:  https://beta-loanpro.simnang.com/api/public/thirdparty.php/sbt/status/callback

Staging:

Callback url:  https://staging-loanpro.simnang.com/api/public/thirdparty.php/sbt/callback

Status url:  https://staging-loanpro.simnang.com/api/public/thirdparty.php/sbt/status/callback

Production:

Callback url:  https://loanpro.simnang.com/api/public/thirdparty.php/sbt/callback

Status url:  https://loanpro.simnang.com/api/public/thirdparty.php/sbt/status/callback

To enter these into SBT, navigate to https://ui.solutionsbytext.com/Sbtweb and log in.

Click the gear icon to go to settings.

For each of the groups, one at a time, navigate to the Custom.Info tab and enter the callback URLs at the bottom of the page.

Once you have added the callback URLs for one group, click SAVE. Make sure to add them for all three groups. You are now ready for two-way communication with your borrowers via text.

Import

If your company is new to Solutions By Text, and you want to verify multiple phone numbers, you can use a Customer Tools import to verify the customer phone numbers. The import file contains the following headers:

  • action - For an SMS verification, this should be set to "update"
  • customerId - For an SMS verification, this should be the ID of the customer whom you want to verify
  • ofac - Not applicable to an SMS verification
  • upsverify - Not applicable to an SMS verification
  • credco - Not applicable to an SMS verification
  • smsverify - This should be set to "bypasssmsverify" if you want to mark the customer verified in LoanPro ONLY. It should be set to "smsverifysend" if you want to send out verification messages for all the customers in the file
  • carrierLookup - Not applicable to an SMS verification

Verification Through the API

It is possible to perform SBT verification of phone numbers through the LoanPro API. To do this, use the following endpoint:

POST  https://loanpro.simnang.com/api/public/api/1/sbt/verifyCustomer({id})

If you want a number to be verified in LoanPro, but not send a message through SBT, add a parameter to the URL:

POST  https://loanpro.simnang.com/api/public/api/1/sbt/verifyCustomer({id})?bypassVerify=true

Make sure to replace {id} with the ID of the customer for whom you are verifying the primary phone number. This will do the verification with SBT for the customer's primary phone number ONLY. It will also show the number as verified inside of LoanPro. If your VBT type in SBT is set to None, no message will be received when you send this verification. If you send the verification a second time, a text message will be sent to the phone number with a reserved keyword verification message.

Notes

It is important to know that when a customer is set up with Solutions By Text, anything they send to your company shortcode will be lost until an initial message is sent through LoanPro. That means that if you have never sent anything to the customer, there is no way for Solutions By Text to know which customer they are inside of LoanPro. Consequently, all messages they send at that point will be lost and not recoverable.


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