{"id":10555,"date":"2016-09-30T00:06:39","date_gmt":"2016-09-29T14:06:39","guid":{"rendered":"https:\/\/www.retarus.com\/au\/project\/use-case-payment-reminders-with-retarus-sms-for-applications\/"},"modified":"2024-04-03T23:35:32","modified_gmt":"2024-04-03T13:35:32","slug":"use-case-payment-reminders-with-retarus-sms-for-applications","status":"publish","type":"post","link":"https:\/\/www.retarus.com\/au\/use-case-payment-reminders-with-retarus-sms-for-applications\/","title":{"rendered":"Simplified Dunning Processes: Send Payment Reminders via SMS"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"In their own best interest, companies should remind their customers promptly if a payment is late. But accounts receivable management is time consuming and costly. Payment reminders via SMS are&hellip;","protected":false},"author":3,"featured_media":34691,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section bb_built=\"1\" fullwidth=\"on\" specialty=\"off\" background_image=\"https:\/\/www.retarus.com\/wp-content\/uploads\/sites\/1\/2017\/11\/retarus_use-case_dunning-process.jpg\" inner_shadow=\"on\" module_class=\"ret-bg-bottom\" _builder_version=\"3.0.94\" custom_css_main_element=\"background-position: 100% 68%!important;\"][et_pb_fullwidth_header background_layout=\"light\" text_orientation=\"left\" header_fullscreen=\"off\" header_scroll_down=\"off\" content_orientation=\"center\" image_orientation=\"center\" custom_button_one=\"off\" button_one_icon_placement=\"right\" custom_button_two=\"off\" button_two_icon_placement=\"right\" background_overlay_color=\"rgba(255,214,86,0.1)\" custom_css_main_element=\"padding: 20px 0 12px 0 !important;\" _builder_version=\"3.0.94\" max_width_tablet=\"50px\"]\r\n<h1>Payment reminders with Retarus SMS for Applications<\/h1>\r\n[\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section bb_built=\"1\" admin_label=\"section\" transparent_background=\"on\" allow_player_pause=\"off\" inner_shadow=\"off\" parallax=\"off\" parallax_method=\"on\" padding_mobile=\"off\" make_fullwidth=\"off\" use_custom_width=\"off\" width_unit=\"on\" make_equal=\"off\" use_custom_gutter=\"off\" background_color=\"rgba(255,255,255,0)\" module_class=\"secnav_section\" disabled=\"off\" disabled_on=\"off|off|off\" custom_padding_tablet=\"50px|0|50px|0\" custom_padding_last_edited=\"on|desktop\"][et_pb_row admin_label=\"row\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\"][et_pb_column type=\"4_4\"][et_pb_text admin_label=\"secnav DESKTOP\" background_layout=\"light\" module_class=\"secnav\" disabled=\"off\" disabled_on=\"off|off|\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" module_alignment=\"left\"]\r\n<ul>\r\n<li><a href=\"[url wordpress]\/use-cases\/\">Use Cases<\/a><\/li>\r\n<li><a href=\"#use-case\">Use Case<\/a><\/li>\r\n<li><a href=\"#download\">Download<\/a><\/li>\r\n<li><a href=\"#callback\">Contact<\/a><\/li>\r\n<\/ul>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=\"1\" fullwidth=\"off\" specialty=\"off\"][et_pb_row background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\"][et_pb_column type=\"4_4\"][et_pb_divider color=\"#ffffff\" show_divider=\"off\" height=\"20\" divider_style=\"solid\" divider_position=\"top\" hide_on_mobile=\"on\" disabled_on=\"on|on|off\" \/][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=\"1\" fullwidth=\"off\" specialty=\"off\"][et_pb_row background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\"][et_pb_column type=\"2_3\"][et_pb_text admin_label=\"Challenge - Background - Solution\" background_layout=\"light\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.83\" module_alignment=\"left\"]\r\n<h2>The challenge<\/h2>\r\nThere is hardly another business process which is tasked with managing special cases to the extent that accounts receivable is, meaning customers who don\u2019t pay. If the dunning process fails, the resulting defaults on payments can soon have a negative impact on liquidity. At the same time, creditors are required by law to keep dunning charges to a minimum for customers in default. This means that companies are facing the challenge of streamlining their processes to not only significantly reduce the related costs, but also to improve their customers\u2019 general payment behavior. To achieve this, it is essential that they optimize their digital communication processes.\r\n<h2>The background<\/h2>\r\nFrom a business perspective, companies should remind customers without delay if they are late with payments. However, dunning processes involve a great amount of administrative efforts and costs. For instance, the company demanding payment needs to ensure that the customer in default does not incur high dunning fees. Companies also have to issue late payment notices in both a timely manner and in written form to serve as evidence. In addition, special regulations have to be considered when delivering late payment notices by post. Complex payment processes can also serve as a hurdle for customers in settling overdue invoices. To avoid triggering expensive and time-consuming dunning processes, companies can first send their customers a digital reminder.\r\n<h2>The solution<\/h2>\r\n<a href=\"https:\/\/www.retarus.com\/products\/messaging-service-email-fax-sms-edi-for-applications\/\">Retarus SMS for Applications<\/a> allows texts to be sent securely and reliably to any mobile phone anywhere in the world via business applications, ERP or CRM systems as well as web-based applications\u2014straight from the Retarus infrastructure and without expensive investment in additional hardware or software. This SMS service is operated from Retarus\u2019 own data centers in accordance with applicable local compliance guidelines and data protection regulations. All data is encrypted for transmission. By using this innovative SMS service, companies benefit from scalable transmission capacities and maximum transaction security worldwide. The <strong>Retarus Enterprise Administration Service portal (EAS)<\/strong> enables easy configuration of the service, while offering extensive reporting and monitoring details, as well as concise delivery statistics.\r\n[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_3\"][et_pb_divider height=\"45\" hide_on_mobile=\"on\" _builder_version=\"3.0.83\" disabled_on=\"on|on|off\" \/][et_pb_text admin_label=\"Kundennutzen\" background_layout=\"light\" module_class=\"ret_check\" max_width_last_edited=\"off|\" background_color=\"#ffe179\" custom_margin=\"20px|||\" custom_padding=\"30px|30px|30px|30px\" custom_padding_phone=\"20px|20px|20px|20px\" custom_padding_last_edited=\"on|phone\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" module_alignment=\"left\" box_shadow_style=\"preset6\" box_shadow_blur=\"80px\" box_shadow_color=\"rgba(252,192,2,0.5)\"]\r\n<h2>Customer benefits<\/h2>\r\n<ul>\r\n<li>Efficient dunning processes<\/li>\r\n<li>Optimized liquidity management<\/li>\r\n<li>Increased customer satisfaction<\/li>\r\n<li>Significant reduction in process costs<\/li>\r\n<li>Additional cross-selling opportunities<\/li>\r\n<\/ul>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=\"1\" fullwidth=\"off\" specialty=\"off\"][et_pb_row background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\"][et_pb_column type=\"4_4\"][et_pb_divider color=\"#ffffff\" show_divider=\"off\" height=\"50\" divider_style=\"solid\" divider_position=\"top\" hide_on_mobile=\"on\" disabled_on=\"on|on|off\" \/][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=\"1\" fullwidth=\"off\" specialty=\"off\" parallax_method=\"off\" module_id=\"advantages\" _builder_version=\"3.0.94\" disabled_on=\"off|off|off\" disabled=\"off\" background_color_gradient_start=\"#3a95bc\" background_color_gradient_end=\"#51c9e8\" background_color_gradient_direction=\"162deg\" background_color=\"#e6eaed\"][et_pb_row make_fullwidth=\"off\" use_custom_width=\"off\" width_unit=\"on\" use_custom_gutter=\"off\" padding_mobile=\"off\" allow_player_pause=\"off\" parallax=\"off\" parallax_method=\"off\" make_equal=\"off\" parallax_1=\"off\" parallax_method_1=\"off\" column_padding_mobile=\"on\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\"][et_pb_column type=\"4_4\"][et_pb_divider color=\"#ffffff\" show_divider=\"off\" height=\"50\" divider_style=\"solid\" divider_position=\"top\" hide_on_mobile=\"on\" disabled_on=\"on|on|off\" \/][et_pb_text admin_label=\"Vorteile im \u00dcberblick\" background_layout=\"light\" text_orientation=\"center\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" module_alignment=\"center\"]\r\n<h2>Benefits at a glance<\/h2>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row width_unit=\"off\" padding_mobile=\"off\" parallax_method=\"off\" parallax_method_1=\"off\" parallax_2=\"off\" parallax_method_2=\"off\" parallax_3=\"off\" parallax_method_3=\"off\" column_padding_mobile=\"on\" disabled_on=\"off|off|off\" disabled=\"off\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" background_repeat_1=\"no-repeat\"][et_pb_column type=\"1_3\"][et_pb_blurb admin_label=\"BaFin- und PCI-DSS-konform\" url_new_window=\"off\" use_icon=\"on\" font_icon=\"%%380%%\" icon_color=\"#fcc002\" use_circle=\"off\" circle_color=\"#ffffff\" use_circle_border=\"off\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" text_orientation=\"center\" use_icon_font_size=\"on\" module_class=\"ret_blurb_60\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" icon_font_size=\"50\" max_width_tablet=\"50px\"]\r\nSecure and reliable sending of SMS messages worldwide\r\n[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\"1_3\"][et_pb_blurb admin_label=\"Nahtlose Integration\" url_new_window=\"off\" use_icon=\"on\" font_icon=\"%%175%%\" icon_color=\"#fcc002\" use_circle=\"off\" circle_color=\"#ffffff\" use_circle_border=\"off\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" text_orientation=\"center\" use_icon_font_size=\"on\" module_class=\"ret_blurb_60\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" icon_font_size=\"50\" max_width_tablet=\"50px\"]\r\nQuick transmission directly from business applications\r\n\r\n\r\n[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\"1_3\"][et_pb_blurb admin_label=\"Datenschutz\" url_new_window=\"off\" use_icon=\"on\" font_icon=\"%%544%%\" icon_color=\"#fcc002\" use_circle=\"off\" circle_color=\"#ffffff\" use_circle_border=\"off\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" text_orientation=\"center\" use_icon_font_size=\"on\" module_class=\"ret_blurb_60\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" icon_font_size=\"50\" max_width_tablet=\"50px\"]\r\nActive controlling of the date and time of sending\r\n[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row][et_pb_column type=\"1_3\"][et_pb_blurb admin_label=\"Maximale Transparenz\" url_new_window=\"off\" use_icon=\"on\" font_icon=\"%%403%%\" icon_color=\"#fcc002\" use_circle=\"off\" circle_color=\"#ffffff\" use_circle_border=\"off\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" text_orientation=\"center\" use_icon_font_size=\"on\" module_class=\"ret_blurb_60\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" icon_font_size=\"50\" max_width_tablet=\"50px\"]\r\nSupport for numerous APIs: REST, SOAP, (HTTP) XML, SMPP or SMTP\r\n[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\"1_3\"][et_pb_blurb admin_label=\"Maximale Transparenz\" url_new_window=\"off\" use_icon=\"on\" font_icon=\"%%228%%\" icon_color=\"#fcc002\" use_circle=\"off\" circle_color=\"#ffffff\" use_circle_border=\"off\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" text_orientation=\"center\" use_icon_font_size=\"on\" module_class=\"ret_blurb_60\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" icon_font_size=\"50\" max_width_tablet=\"50px\"]\r\nMaximum transaction security in the Retarus infrastructure\r\n[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\"1_3\"][et_pb_blurb admin_label=\"Maximale Transparenz\" url_new_window=\"off\" use_icon=\"on\" font_icon=\"%%411%%\" icon_color=\"#fcc002\" use_circle=\"off\" circle_color=\"#ffffff\" use_circle_border=\"off\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" text_orientation=\"center\" use_icon_font_size=\"on\" module_class=\"ret_blurb_60\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" icon_font_size=\"50\" max_width_tablet=\"50px\"]\r\nComprehensive monitoring through detailed reports\r\n[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row make_fullwidth=\"off\" use_custom_width=\"off\" width_unit=\"on\" use_custom_gutter=\"off\" padding_mobile=\"off\" allow_player_pause=\"off\" parallax=\"off\" parallax_method=\"off\" make_equal=\"off\" parallax_1=\"off\" parallax_method_1=\"off\" column_padding_mobile=\"on\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\"][et_pb_column type=\"4_4\"][et_pb_divider color=\"#ffffff\" show_divider=\"off\" height=\"50\" divider_style=\"solid\" divider_position=\"top\" hide_on_mobile=\"on\" _builder_version=\"3.0.71\" disabled_on=\"on|on|off\" \/][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=\"1\" fullwidth=\"off\" specialty=\"off\" background_color=\"#ffffff\" parallax_method=\"off\" module_class=\"cc-sms more-less\" _builder_version=\"3.0.94\" custom_padding_tablet=\"50px|0|50px|0\" custom_padding_last_edited=\"on|desktop\" module_id=\"use-case\" custom_css_main_element=\"padding: 70px 0 0 0 !important;\"][et_pb_row make_fullwidth=\"off\" use_custom_width=\"off\" width_unit=\"off\" custom_width_percent=\"70%\" use_custom_gutter=\"off\" padding_mobile=\"off\" allow_player_pause=\"off\" parallax=\"off\" parallax_method=\"off\" make_equal=\"off\" parallax_1=\"off\" parallax_method_1=\"off\" padding_1_last_edited=\"on|desktop\" column_padding_mobile=\"on\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\"][et_pb_column type=\"2_3\"][et_pb_text admin_label=\"Use case - part 1\" background_layout=\"light\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.83\" module_alignment=\"left\"]\r\n<h2>Use Case<\/h2>\r\nSending payment reminders via SMS offers an attractive alternative to demanding payment by email or telephone. Customers in default receive a reminder via SMS. The information reaches recipients on their cell phones instantly, regardless of their current location. The SMS can also contain a link enabling customers to make the payment directly from their mobile devices, further optimizing customer payment behavior. If a telephone number appears as the sender ID or is contained in the SMS itself, it is very easy for customers to call their contact back. In this way the SMS messages can be used, for example, for cross-selling credit advisory services without having to switch between media or channels.\r\n<a href=\"https:\/\/www.retarus.com\/products\/messaging-service-email-fax-sms-edi-for-applications\/\">Retarus SMS for Applications<\/a> allows companies to flexibly control the date and time that messages are sent. In this way, they can ensure that sufficient human resources are available to efficiently process customer responses.\r\n[\/et_pb_text][et_pb_toggle admin_label=\"toggle\" open=\"off\" module_class=\"more-info-toggle\" disabled=\"off\" disabled_on=\"on||\" title=\"More information\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.83\"]\r\nThe <strong>Retarus EAS portal<\/strong> allows users to easily configure general sending options in advance. Furthermore, the portal offers in-depth analysis of dates and times of sending, which allows professional controlling of sales. Companies can opt to receive automatic delivery confirmations for each text sent, so they can accurately trace when the message passed through the Retarus infrastructure, when it was transferred to the cellular carrier, and when it was received by the customer. The Retarus infrastructure uses a network of aggregators to reach 99 percent of the mobile communication networks on all continents. Moreover, Retarus complies with regional regulations for the successful delivery of text messages around the globe. Optimal routing and customized configuration of the sender ID ensure that companies benefit from particularly high delivery rates for their payment reminders, resulting in significantly optimized liquidity management.\r\n,\r\n[\/et_pb_toggle][et_pb_divider height=\"100\" hide_on_mobile=\"on\" _builder_version=\"3.0.83\" disabled_on=\"off|off|off\" disabled=\"off\" \/][\/et_pb_column][et_pb_column type=\"1_3\"][et_pb_divider height=\"65\" hide_on_mobile=\"on\" _builder_version=\"3.0.83\" disabled_on=\"on|on|off\" \/][et_pb_blurb _builder_version=\"3.0.94\" url_new_window=\"on\" use_icon=\"on\" font_icon=\"%%266%%\" background_color=\"#ffe179\" icon_color=\"#000000\" use_circle=\"off\" use_circle_border=\"off\" icon_placement=\"top\" use_icon_font_size=\"off\" background_layout=\"light\" custom_padding=\"30px|15px|5px|15px\" custom_padding_phone=\"15px|15px|15px|15px\" custom_padding_last_edited=\"on|phone\" module_class=\"ret_blurb_60\" animation=\"off\" text_orientation=\"center\" circle_color=\"#ffffff\" icon_font_size=\"40\" url=\"https:\/\/www.retarus.com\/wp-content\/uploads\/sites\/1\/2016\/11\/use-case_payment-reminders-dunning-processes_retarus.pdf\" max_width_tablet=\"50px\" module_id=\"download\" box_shadow_style=\"preset6\" box_shadow_blur=\"80px\" box_shadow_color=\"rgba(252,192,2,0.5)\"]\r\nGet this Use Case as PDF file now and optimize your dunning processes.\r\n\u00a0\r\n<a class=\"ret_cta_secondary_black\" href=\"https:\/\/www.retarus.com\/wp-content\/uploads\/sites\/1\/2016\/11\/use-case_payment-reminders-dunning-processes_retarus.pdf\" target=\"_blank\" rel=\"noopener\">Download now<\/a>\r\n[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=\"1\" admin_label=\"Sektion\" fullwidth=\"off\" specialty=\"off\" _builder_version=\"3.0.94\" background_color=\"#e4e9ed\" disabled_on=\"off|off|off\" disabled=\"off\"][et_pb_row admin_label=\"Zeile\" _builder_version=\"3.0.80\" background_repeat_1=\"no-repeat\" background_repeat_2=\"no-repeat\" padding_top_1=\"30px\" padding_right_1=\"0px\" padding_bottom_1=\"30px\" padding_left_1=\"30px\" padding_top_2=\"30px\" padding_right_2=\"30px\" padding_bottom_2=\"30px\" padding_left_2=\"0px\"][et_pb_column type=\"1_3\"][et_pb_blurb _builder_version=\"3.0.94\" url_new_window=\"off\" use_icon=\"on\" font_icon=\"%%511%%\" icon_color=\"#fcc002\" use_circle=\"off\" use_circle_border=\"off\" icon_placement=\"top\" use_icon_font_size=\"off\" background_layout=\"light\" \/][\/et_pb_column][et_pb_column type=\"2_3\"][et_pb_text admin_label=\"Wussten Sie schon?\" background_layout=\"light\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" module_alignment=\"left\" custom_margin=\"0px|||\" custom_margin_tablet=\"-60px|||\" custom_margin_last_edited=\"on|tablet\"]\r\n<h2>Did you know?<\/h2>\r\n<p class=\"ret_quote\">According to recent studies, 76% of B2C customers who receive SMS payment reminders improve their dunning status.<\/p>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section bb_built=\"1\" fullwidth=\"off\" specialty=\"off\" background_color=\"#ffffff\" parallax_method=\"off\" module_id=\"scenarios\" module_class=\"cc-sms\" _builder_version=\"3.0.94\" custom_padding_tablet=\"50px|0|50px|0\" custom_padding_last_edited=\"on|desktop\" custom_css_main_element=\"padding: 70px 0 100px 0 !important;\"][et_pb_row background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\"][et_pb_column type=\"4_4\"][et_pb_text admin_label=\"Weitere Szenarien\" background_layout=\"light\" text_orientation=\"center\" border_style=\"solid\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.71\" module_alignment=\"center\"]\r\n<a name=\"scenarios\"><\/a>\r\n<h2>Other scenarios<\/h2>\r\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row padding_mobile=\"off\" parallax_method=\"off\" parallax_method_1=\"off\" parallax_method_2=\"off\" parallax_method_3=\"off\" column_padding_mobile=\"on\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.83\" background_repeat_1=\"no-repeat\" background_repeat_2=\"no-repeat\" background_repeat_3=\"no-repeat\"][et_pb_column type=\"1_3\"][et_pb_blurb title=\"Credit information\" url_new_window=\"off\" use_icon=\"off\" use_circle=\"off\" use_circle_border=\"off\" image=\"https:\/\/www.retarus.com\/wp-content\/uploads\/sites\/1\/2017\/11\/retarus_enterprise-sms-services.jpg\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" text_orientation=\"center\" use_icon_font_size=\"off\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" custom_css_main_element=\"padding: 13px;\" use_border_color=\"on\" max_width_tablet=\"50px\" custom_margin=\"0px|||\" custom_margin_tablet=\"50px|||\" custom_margin_last_edited=\"on|phone\" border_color_all=\"#eff1f5\" background_color=\"#f7fafc\" module_class=\"ret_curved-shadow-both\"]\r\nAs soon as 75% of a customer\u2019s overdraft facility has been exhausted, banks can send an SMS to the account owner using <strong>Retarus Enterprise SMS Services<\/strong>, fulfilling its legal obligation to provide this notification.\r\n\r\n\r\n\r\n<a class=\"ret_button\" href=\"[url wordpress]\/services\/sms\/\">Retarus Enterprise SMS Services<\/a>\r\n[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\"1_3\"][et_pb_blurb title=\"Securities trading\" url_new_window=\"off\" use_icon=\"off\" use_circle=\"off\" use_circle_border=\"off\" image=\"https:\/\/www.retarus.com\/wp-content\/uploads\/sites\/1\/2017\/11\/retarus_enterprise-sms-services.jpg\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" text_orientation=\"center\" use_icon_font_size=\"off\" background_position=\"top_left\" background_repeat=\"repeat\" background_size=\"initial\" _builder_version=\"3.0.94\" custom_css_main_element=\"padding: 13px;\" use_border_color=\"on\" max_width_tablet=\"50px\" custom_margin=\"0px|||\" custom_margin_tablet=\"50px|||\" custom_margin_last_edited=\"on|desktop\" border_color_all=\"#eff1f5\" background_color=\"#f7fafc\" module_class=\"ret_curved-shadow-both\"]\r\nIf the price of a security reaches a pre-defined limit, the investor immediately receives a notification via text messages.\r\n<a class=\"ret_button\" href=\"[url wordpress]\/services\/sms\/\">Retarus Enterprise SMS Services<\/a>\r\n[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\"1_3\"][et_pb_blurb title=\"Multichannel communication\" url_new_window=\"off\" use_icon=\"off\" use_circle=\"off\" use_circle_border=\"off\" image=\"https:\/\/www.retarus.com\/wp-content\/uploads\/sites\/1\/2017\/11\/retarus_use-case_professional-communication.jpg\" icon_placement=\"top\" animation=\"off\" background_layout=\"light\" 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