SMS Messaging Consent & Opt-Out Policy
Last updated: July 4, 2026. This page describes how PayGhost sends SMS messages on behalf of service contractors and how message recipients can manage their preferences.
Who Sends These Messages
PayGhost is software used by independent service contractors (roofers, HVAC technicians, landscapers, and similar trades) to send payment requests to their customers. When you receive an SMS from a PayGhost number, it was initiated by a contractor whose services you hired. PayGhost is the technology provider — the contractor is the sender.
What Messages You May Receive
Recipients may receive the following message types — all transactional, none promotional:
- A payment request for services already rendered, with a link to pay
- Payment reminders if no payment has been received (the business chooses a follow-up pace, so reminder days vary — for example day 2, 5, and 8, or a gentler or more frequent schedule)
- A 24-hour notice before a scheduled installment charge
- A card decline notification with a link to update your payment method
- A HELP response if you text HELP
Message frequency: typically 1 to 5 messages per payment request (an initial request plus up to four reminders, depending on the follow-up pace the business selects). Installment plans may generate additional pre-charge and post-charge notices.
How Consent Is Obtained
Consent is obtained by the contractor before any message is sent. The contractor who hired you enters your phone number and explicitly confirms your consent by:
- Agreeing to PayGhost's messaging terms during their account setup
- Previewing the exact text of the first message before sending it and confirming consent per payment request
No message is ever sent without both confirmations. Consent records are timestamped and stored.
How to Opt Out
Reply STOP to any message at any time. This immediately and permanently stops all automated SMS from PayGhost to your phone number — across all contractors who use PayGhost. No further messages will be sent. Reply START to resubscribe.
HELP Response
If you reply HELP to any message, you will receive:
“PayGhost: For help with your payment from [Business Name], contact them directly at [contractor phone]. To stop messages reply STOP. Msg & data rates may apply.”
Message and Data Rates
Standard message and data rates may apply. PayGhost does not charge recipients for SMS messages. Your carrier's standard rates apply.
Quiet Hours
PayGhost does not send messages between 8:00 PM and 8:00 AM in the recipient's local timezone.
Contact
For questions about this policy: support@payghost.app
For payment questions: contact the contractor directly using the phone number provided in your HELP response.
Program & Campaign Reference
The following details are provided for carrier and Twilio A2P campaign review.
Verbal Consent Script
PayGhost contractors 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?”
Sample Messages
The following are representative examples of messages sent by PayGhost. All messages include opt-out instructions.
Day 0 — Initial payment request
Day 2 — Friendly reminder
Day 8 — Final reminder
HELP reply response