SMS for financial services with fast delivery and NZ support. Automate debt outreach, renewal reminders and verification messages through the TNZ API or your CRM. Add WhatsApp and voice calls through the same platform.
An unopened email leaves your team with another customer to chase. Calling every person on a debt book takes staff time. SMS gives customers a prompt on their phone and a way to respond when they are ready.
Connect TNZ to the software your financial advisers, collections team or fintech customers already use.
Use the SMS API to contact customers across a debt book. Ask them to call your team to discuss payment, or invite a text reply.
Let your software send the first message so staff can spend their time discussing payment with customers.
Send a reminder when a repayment is due or a renewal approaches. A car finance lender can automatically text customers before their agreement is due for renewal.
Use the same connection for policy renewals and application progress updates.
Remind clients about an advice appointment and let them reply if plans change. Send updates from a supported CRM or the TNZ Dashboard.
For fintech platforms, use account events to trigger fraud alerts or service-outage notifications.
A collections firm receives a list of debts from its client. Its software sends the first message to each customer through the TNZ SMS API.
Your software selects the customer records and sends each message through the SMS API.
Include your team's phone number so customers can call to discuss payment. With two-way SMS, they can also reply by text.
Read replies in the Dashboard, receive email notifications or send replies to your application through a webhook.
Deliver your application's one-time passcodes by SMS or automated voice call. For a landline verification workflow, trigger a call that asks the recipient to press 1 to confirm.
TNZ delivers your message. Your application defines the verification steps and decides what a code or keypad response confirms.
Explore phone verification →Start a conversation with an approved WhatsApp template. Configure the API to retry by SMS if WhatsApp delivery fails.
For SMS messages, configure automatic voice fallback if delivery fails. TNZ can retry the message as an automated call without your team dialling each number.
You can also build fallback into your own application. Your software then decides when to send another message or trigger a call.
Use the API to trigger messages from your lending software, collections system or SaaS application. Add SMS, WhatsApp and voice through one TNZ account.
For admin teams, supported integrations connect messaging to existing tools. Staff can also send messages and manage replies in the browser-based Dashboard.
Read the REST API documentation →When you send SMS in New Zealand, your messages come from a TNZ Short Code, a 4-digit number like 3003. One is assigned to you automatically based on your message type. It's instant and included in your plan.
Most businesses start here. Built-in Short Codes work well for appointment reminders, alerts, and general business messaging, with no setup required.
If you're running keyword campaigns (e.g. "Text INFO to 3003"), want full inbound SMS from any NZ mobile, or are building long-term brand recognition, a Dedicated Short Code gives you exclusive ownership of your number.
Start with a built-in Short Code and upgrade if you need more. Talk to our team, we'll give you an honest recommendation.
Included in your plan
Available as an add-on, view pricing and details
Work with an NZ support team and pay in NZD. Get local short code access whether your business operates in New Zealand or sends to NZ customers from Australia.
TNZ's built-in short codes let you start sending without purchasing a dedicated number. Choose a dedicated short code when you need an exclusive number or full inbound SMS.
For data locations, security and supplier onboarding, visit the TNZ Trust Centre.
Separate usage by client or application with SubAccounts and Departments. Delivery webhooks include the message price so your software can allocate costs and rebill customers.
Use itemised reporting to reconcile usage across the businesses your platform serves.
See the API account and billing structure →Compare the subscription, message rates and optional dedicated numbers on our pricing page. SMS charges depend on message length and character encoding.
View NZD pricing →Ready to revolutionise your messaging?
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