PayGhost · A product of NoLapse LLC
SMS Consent
PayGhost sends payment-related SMS messages to customers on behalf of service businesses. This page explains how consent is obtained, what customers receive, and how to stop messages at any time.
For Customers
By providing your phone number to a business using PayGhost, you agree to receive automated payment-related SMS messages from that business. These messages include your payment request, reminders while a payment is still open, and links to pay or update your card.
Message frequency varies based on payment activity. Message and data rates may apply.
Reply STOP to opt out at any time. Reply HELP for help.
PayGhost is a product of NoLapse LLC. See our Terms of Service for full details.
Message Program
Verbal Consent Script
PayGhost owners use this script when collecting verbal consent before adding a customer's phone number to a payment request.
“I'll send your payment request to this number and follow up until it's taken care of. You'll get a few reminders and can choose to pay in full or set up a payment plan. Message and data rates may apply. Reply STOP at any time to opt out or HELP for support. Is that okay?”
How Consent is Collected In-App
PayGhost enforces a two-layer consent model. No message is sent unless both layers are confirmed.
Platform-level consent (collected once at account creation)
During onboarding, the owner checks an unchecked checkbox before proceeding. The send button remains disabled until this is confirmed. The exact text shown:
“I confirm that customers whose phone numbers I enter have provided their number in connection with a job or service and have consented to receive payment-related text messages. I am responsible for ensuring I have permission to text each customer I add.”
Per-request consent (collected before every send)
Before sending any payment request, the owner sees a modal showing the exact first SMS that will be sent. A second unchecked checkbox must be confirmed before sending. The send button is disabled until confirmed. The exact text shown:
“This customer provided their phone number in connection with this job and has agreed to receive payment texts. I am responsible for ensuring I have permission to text them.”
Both consent checkboxes are unchecked by default. They cannot be pre-filled or bypassed by any automated process. Each confirmation is timestamped and the sender's IP address is recorded. If either confirmation is missing, the Inngest function that sends the message fails loudly and notifies the owner — it does not silently skip.
Sample Messages
The following are representative examples of messages sent by PayGhost. All messages include opt-out instructions. The payment link is always followed immediately by the opt-out instruction — never sent at the end.
Day 0 — Initial payment request
Day 2 — Friendly reminder
Day 8 — Final reminder
HELP reply response
STOP / Opt-Out Handling
When a customer replies STOP (or STOPALL, UNSUBSCRIBE, CANCEL, END, QUIT):
- All automation for that phone number halts immediately.
- The phone number is written to PayGhost's shared opt-out table with no account association — this opt-out is honored across all PayGhost accounts. It stops PayGhost messages only; it does not affect any separate messaging program.
- The owner is notified immediately by SMS and email.
- No further automated SMS is ever sent to that number unless the customer texts START.
STOP cannot be overridden by the owner, by the dashboard, or by any automated process. This behavior is hardcoded and not configurable.
Customers may also opt out by contacting the owner directly. Owners have a manual “Opt out of SMS” action in the dashboard that writes to the same shared opt-out table and has the same permanent effect as a STOP reply.
Contact
NoLapse LLC
Operating: PayGhost (payghost.app)
1615 E Georgia Ave #140, Phoenix, AZ 85016