Fintech messaging on Orbit
Verification codes, payment confirmations, and outreach sequences face PCI/KYC posture and bank-partner audits. When verification runs on one CPaaS and marketing runs on another, the compliance office cannot demonstrate one consent basis and the bank's review of message records is a two-system exercise.
The tenant-owned compliance posture
Compliance posture on Orbit is tenant-owned: your workspace attests the consent basis per flow, sets the quiet hours, keeps the shared suppression list, and holds the sender registrations. The platform enforces those settings at send time — the controls below are decisions your team owns, not platform mandates switched on for every tenant.
- Consent by message class — Verification OTPs, payment confirmations, and promotional outreach each carry the consent basis your compliance program declares per flow; the platform enforces it.
- Quiet hours for outreach — Marketing sequences respect recipient local-time windows; urgent fraud / unauthorized-account alerts bypass by policy.
- Global opt-out — STOP on any outreach stream suppresses across all promotional lanes — never a partial per-vendor suppression during a bank audit.
- Sender registrations — Fintech brand campaigns and template registrations stay tenant assets, so per-lane throughput tiers are under your governance.
These controls are tenant-owned: your workspace decides the consent basis, the hours, and the list hygiene; the platform enforces your settings at send time.
The channel matrix
Every flow above runs on the same account across the five channels — the fallback chain is a setting you configure once, not a per-channel vendor contract.
- SMS — Verification OTPs and payment confirmations — the floor for regulated reach.
- WhatsApp — Support intake and dispute-resolution threads inside chat-safe corridors.
- RCS — Rich transaction-detail cards and product-change confirmations on supported handsets with SMS fallback.
- Voice — Verification callbacks and KYC escalation — with bank-grade recording storage.
- Email — Regulated-disclosure statements, KYC documentation, and onboarding sequences.
The buyer-explainer for Fintech
The full narrative — what you are actually buying, in what order to evaluate it, and how the channel fallback chain degrades — is the paired buyer-explainer post: Fintech messaging, the buyer's explainer.
Evaluating Orbit for fintech?
If your procurement review needs a security questionnaire response, volume pricing, or an enterprise terms discussion for fintech traffic, talk to us.