SMS
Use SMS for reminders, pickup alerts, and other messages that need to reach a phone number. SavaraFlow quotes the destination and segment count before a live send.
Explore SMS← Solutions
Lending, savings and subscriptions
Remind customers before a payment is due.
Send a polite reminder a few days before a due date and a confirmation when the payment lands. Keep amounts and references exact, and keep the tone helpful.
Instalment TS-4471Tandem Savings
Reminder sent · 11 Nov
Due · 14 Nov
Paid · UGX 120,000
TTANDEMSMS
Your instalment of UGX 120,000 is due on 14 Nov. Ref TS-4471.
We received UGX 120,000. Thank you!
Message
Paid on time
The outcome
More on-time payments, with reminders customers find helpful rather than pushy.
The journey
What your customer receives
Due in 3 days → SMS reminder → Payment received → Confirmation
- 013 days before
SMS
Tandem Savings: your instalment of UGX 120,000 is due on 14 Nov. Pay via mobile money to 0700 000 000, ref TS-4471.
- 02Due date
SMS
Tandem Savings: your instalment is due today. Already paid? Thank you, please ignore this message.
- 03Payment received
SMS
Tandem Savings: we received UGX 120,000 for ref TS-4471. Thank you!
Implementation
How to set it up
Pick the schedule
Decide when reminders go out, for example three days before and on the due date. Run the job from your own system.
Send one message per due date
Use the account and due date in the idempotency key so a retried job never sends twice.
Confirm the payment
When the payment is verified, send a short confirmation with the amount and reference.
Run it from a daily job
Loop over instalments due in three days. Each key includes the due date and reminder step.
due-reminders.tsTypeScript1for (const loan of dueInThreeDays) {
2 await fetch(`${process.env.SAVARA_HOST}/api/v1/messages`, {
3 method: "POST",
4 headers: {
5 Authorization: `Bearer ${process.env.SAVARA_API_KEY}`,
6 "Content-Type": "application/json",
7 "Idempotency-Key": `reminder-${loan.id}-${loan.dueDate}-d3`,
8 },
9 body: JSON.stringify({
10 channel: "SMS",
11 to: loan.phone,
12 body: `Tandem Savings: UGX ${loan.amount} is due on ${loan.dueText}. Ref ${loan.ref}.`,
13 consent: true,
14 }),
15 });
16}
Use a recipient who has agreed to receive messages on this channel. API reference
Best practice
Tips from the setup
Be exact
Amount, due date and reference. Ambiguity creates support calls.
Stay polite
Acknowledge that the customer may already have paid.
Mind the hour
Schedule sends for daytime in the customer’s timezone.
Channels
Built with
Connect your Meta business number, send approved templates, and manage customer replies in SavaraFlow’s team inbox.
Explore WhatsAppAutomations
Build a flow that starts from a customer’s first message, a message outside business hours, or a request from your own system. Each step is checked for consent and funds like any other send.
Explore AutomationsQuestions about payment reminders
Can customers opt out?
Yes. STOP and UNSUBSCRIBE replies block further SMS to that number.
Should I send by WhatsApp instead?
If the customer has agreed to WhatsApp and you have an approved template, yes. Read receipts tell you the reminder was seen.
More use cases
Other workflows to explore
Run through the steps in the sandbox.
See a simulated response before sending a live message.