Solutions by Text

What Solutions by Text does

Solutions by Text (SBT) is a compliance-first conversational commerce platform founded in 2008 and headquartered in Addison, Texas. The company provides mobile messaging (SMS, MMS, and RCS) combined with embedded payments to consumer finance organizations, including non-bank lenders, banks and credit unions, auto finance companies, and accounts receivable management firms. Its core product, the FinText platform, bundles three modules — Compliance (TCPA, FDCPA, CTIA, CFPB-aligned tools including Stop Safety Net, Deactivation Logic, TextIQ, and PIN Validation), Messaging (one-way and two-way SMS, MMS, RCS, SmartURL, Dual Delivery), and Payments (TextPay with Apple Pay/Google Pay, ACH, card processing, plus payment orchestration via the recently acquired Triple Play Pay). The platform processes nearly two billion messages annually and integrates with major loan servicing, CRM, and contact-center ecosystems including Salesforce Marketing Cloud, Conduent Loan Manager, Glia, Lightico, Prodigal, and LiveVox.

SBT monetizes through a hybrid of subscription fees for platform access, usage-based charges tied to message volume, and transaction fees on payments processed through TextPay. Pricing is tailored to enterprise customer needs based on volume, features, and integration scope. Distribution combines direct enterprise field sales targeting mid-market to enterprise buyers in regulated industries, a published API (T2C2.0) for developer-led integrations, and an expanding set of technology and channel partnerships (Conduent, Salesforce, Nortridge, White Clarke, Nordis, among others). The company reports 60% year-over-year revenue growth and more than 30% annual bookings growth in 2024, has exceeded the Rule of 40 SaaS benchmark for three consecutive years, and was ranked No. 1703 on the Inc. 5000 in 2025. Total disclosed funding is approximately $145 million across a 2021 round led by Edison Partners and a 2025 growth round co-led by Edison Partners and StepStone Group.

Name

Solutions by Text

Legal name

Solutions by Text, LLC

Website

https://solutionsbytext.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Solutions by Text (SBT) provides a compliance-first conversational commerce platform combining SMS, MMS, RCS messaging with embedded payments for consumer finance organizations, including lenders, banks, credit unions, auto finance, and accounts receivable management firms.

Ownership category

akta.pro rank

Product category

Consumer Finance Messaging Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Biller Direct EBPP Platforms (FSAMAJAA)

akta.pro secondary industry

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

Keywords

• Compliant text messaging
• Consumer finance communications
• Embedded payment processing
• Mobile messaging platform
• SMS payment solutions

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Messaging Services Subscription: Subscription-based pricing for access to the FinText messaging platform with SMS, MMS, and RCS capabilities. Includes compliance tools, template library, and analytics dashboard. Likely tiered by message volume and feature access.
2. Usage-based Messaging: Variable fees based on message volume sent through the platform, with pricing tailored to business needs based on message volume.
3. TextPay Payment Processing: Transaction fees from embedded payment processing through TextPay, including ACH, debit/credit card processing, Apple Pay, Google Pay, and mobile wallet options. The company processes payments directly within text conversations.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Solutions by Text (SBT) operates the FinText platform, a compliance-first conversational commerce system for consumer finance organizations that combines mobile messaging (SMS, MMS, and RCS) with embedded payment processing (TextPay) and regulatory compliance management. The platform enables lenders, banks, credit unions, auto finance companies, and accounts receivable management firms to engage consumers, automate compliant communications, and collect payments directly through text conversations.

Product overview

Solutions by Text (SBT) operates the FinText platform, a unified compliance-first conversational commerce system for consumer finance organizations. The platform combines three integrated modules: FinText Compliance (regulatory and carrier compliance management), FinText Messaging (SMS, MMS, and RCS text communications), and FinText Payments (embedded TextPay and payment orchestration). Supporting features include Stop Safety Net for opt-out management, Deactivation Logic for number validation, TextIQ for compliance screening, SmartURL for branded link tracking, and Dual Delivery for pre-paid routing. The platform processes nearly 2 billion messages annually, enabling organizations to drive engagement, collect payments, and maintain regulatory compliance across the loan lifecycle from marketing through origination, servicing, and collections.

Differentiator

Problem solved

Functional benefit

Brands

• FinText: The company's compliance-first conversational commerce platform that includes messaging and integrated payment services.
• TextPay

Products and services

• FinText Platform Unified compliance-first conversational commerce platform integrating mobile messaging (SMS, MMS, RCS) with embedded payment capabilities (TextPay) for consumer finance organizations. Built for lenders, banks, credit unions, auto finance companies, and accounts receivable management firms across the loan lifecycle.
• FinText Compliance Compliance management module covering telecommunications regulations (TCPA, CTIA), carrier use policies, and industry requirements (FDCPA, CFPB). Features included are Deactivation Logic, Stop Safety Net, TextIQ, and subscriber management for consumer finance organizations.
• FinText Messaging Messaging module supporting SMS (one-way and two-way), MMS (document and image sharing), and RCS (rich interactive messaging) capabilities including keyword automation, SmartURL tracking, one-time passcodes, and carrier lookup services for consumer finance organizations.
• FinText Payments Embedded payment services module featuring TextPay for frictionless payments via text, Apple Pay and Google Pay integration, ACH and card processing, and payment facilitation through Triple Play Pay's PayFac program.
• TextPay Frictionless payment channel embedded directly into text messaging, allowing customers to complete payments via secure links or keyword replies without app downloads or portal logins. Supports ACH, debit/credit card, Apple Pay, and Google Pay.
• Rich Communication Services (RCS) Financial Messaging IP-based messaging protocol enabling branded, verified, interactive mobile messaging with rich media, carousels, embedded buttons, tap-to-pay actions, and read receipts within native messaging apps for financial services organizations.
• API 2.0 (T2C2.0) Developer API for the FinText platform enabling integration of messaging and payment capabilities into external systems with REST-based endpoints, including SMS/MMS/RCS sending and receiving, opt-in and opt-out management, keyword handling, and TextPay payment processing.

Quantifiable outcome

• Up to 400% ROI for texting programs
• +13 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature10 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Salesforce Marketing CloudcoreTechnology or Integration · 31 March 2026Integration of FinText platform into Salesforce Marketing Cloud enabling SMS, MMS, and RCS messaging directly within Journey Builder. Unifies mobile messaging with email, social, and other channels in a single environment.
• Triple Play Pay (TPP)coreStrategic or Co-development Partner · 8 January 2026Acquisition of Triple Play Pay, a Florida-based modern payment orchestration platform. Combines SBT's communication expertise with TPP's payment infrastructure for unified compliant payment experience.
• ConduentcoreTechnology or Integration · 13 November 2025Integration of SBT's mobile messaging platform into Conduent's Loan Manager platform to improve operational performance, increase on-time payments, and enhance customer satisfaction through real-time compliant messaging.
• Datos InsightsminorStrategic or Co-development Partner · 22 October 2025Annual industry research partnership producing reports on RCS messaging in financial services and consumer communication preferences in lending. Three annual reports published.
• REPAYminorStrategic or Co-development PartnerPartnership to expand text payment capabilities for financial services, integrating payment processing with compliant messaging solutions.
• Nordis TechnologiesminorChannel Partner/ Reseller/ DistributorPartnership launching enhanced text messaging services, extending SBT's reach through Nordis Technologies' existing customer base.
• ACA InternationalminorOthersAssociation of Credit and Collection Professionals partnership providing thought leadership, best practices, and industry advocacy.
• RMAI (Receivables Management Standards Institute)minorOthersIndustry standards and certification organization partnership for accounts receivable management best practices.
• NAF (National Automotive Finance Association)minorOthersAuto finance industry association partnership for industry advocacy and best practice development.
• AFSA (American Financial Services Association)minorOthersFinancial services industry association partnership including co-hosted Text Talk podcast and industry recognition awards.

Scale indicators24 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Quiq: Quiq is an AI-powered conversational customer service platform that delivers messaging across SMS, web chat, and popular channels for retail and financial services brands. Both companies compete for two-way enterprise messaging use cases in finance, though Quiq leans more on AI agents and CX while SBT emphasizes compliance and payments.
• EZ Texting: EZ Texting is a long-standing SMS marketing platform serving SMB and mid-market customers including lenders and debt collectors. It overlaps with SBT in regulated SMS for finance, though it is positioned downmarket with limited embedded payments and lighter compliance tooling than SBT's enterprise-grade stack.
• Telnyx: Telnyx is a CPaaS and connectivity provider offering SMS, voice, and IoT services with its own carrier-grade network. It competes with SBT on programmable SMS for regulated industries and price-sensitive enterprise customers, and increasingly bundles conversational messaging APIs similar to SBT's API 2.0.
• LiveVox: LiveVox provides cloud-based contact center and compliance solutions targeting collections, ARM, and financial services. Both companies serve ARM and lender use cases with regulated communications; LiveVox is also a listed SBT integration partner, indicating platform-level overlap around outbound and inbound compliant messaging in the collections vertical.
• Dwolla: Dwolla is a US payment API platform specializing in bank-to-bank (ACH) transfers for fintech, lenders, and marketplace businesses. It competes with SBT's TPP-acquired payment orchestration capability for the same consumer finance and lending payment flows, though Dwolla is purely payments-focused while SBT bundles messaging.

Broad incumbents

• Twilio: Twilio is the dominant horizontal CPaaS platform offering SMS, MMS, and voice APIs at scale. It directly overlaps with SBT's messaging core and competes for the same consumer finance customers, though Twilio lacks SBT's vertical-specific compliance scaffolding (FDCPA, TCPA, FDCPA-aligned templates) and embedded payments in text conversations.
• Bandwidth Inc. Bandwidth is a communications platform-as-a-service provider offering programmable SMS, voice, and 9-1-1 services with its own carrier infrastructure. It competes with SBT as a Tier-1 CPaaS incumbent for enterprise messaging and increasingly for regulated financial services use cases around 10DLC and toll-free messaging.
• MessageBird: MessageBird is a global CPaaS provider offering SMS, WhatsApp, and email APIs with growing payments capabilities. It's a horizontal incumbent competing for multi-channel messaging in financial services, with similar delivery scale and a comparable enterprise sales motion targeting retail banks and consumer brands.

Emerging players

• Mavenoid: Mavenoid offers AI-driven product support and messaging automation for hardware and connected-device brands. While not finance-focused, it competes for two-way conversational AI budgets at large enterprises and increasingly intersects with SBT's TextIQ-style compliance screening and intent-routing use cases.
• Podium: Podium is a messaging-first customer interaction platform serving local businesses and enterprises with reviews, payments, and two-way SMS. It overlaps with SBT's payments-in-messaging thesis and competes for retailers' and lenders' two-way text budgets, though Podium targets different end-customers (local commerce vs. consumer finance).

Market position

Strengths5 records

Weaknesses5 records

Key risks7 records

Key highlights10 records

Customer concentration

• Xx.com/solutionsbytext
• LinkedInlinkedin.com/company/solutionsbytext

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Solutions by Text