Messaging built for
healthcare & finance — TCPA handled.
Pinnacle automates every CTIA and TCPA requirement: opt-in capture, STOP/HELP, quiet hours, frequency caps, and an audit-ready consent ledger. You write the message — we keep the regulators happy.
Built for the messages other CPaaS reject
If you've been rejected twice on the same 10DLC campaign, stuck waiting on toll-free verification, or rebuilding STOP/HELP for the third time — you're the customer this is for.
Healthcare
For health systems, telehealth, digital health, pharmacy, and care-management platforms.
- Appointment reminders & confirmations
- Prescription refill alerts
- Lab & test result notifications
- Care navigation & intake forms over RCS
- Two-way provider–patient messaging
- TCPA-exempt healthcare flows handled correctly
Finance
For banks, credit unions, lenders, fintech, insurance, and payments platforms.
- Fraud & transaction alerts
- Account verification & one-time passcodes
- Loan servicing & payment reminders
- Claims status & policy renewals
- Tokenized payment links over RCS
- Express written consent capture for marketing flows
CTIA & TCPA, handled at the API layer
Every CTIA Messaging Principle and TCPA requirement, enforced automatically. You stop being your own compliance expert.
Auto STOP / HELP / UNSUBSCRIBE
STOP, HELP, CANCEL, END, QUIT, UNSUBSCRIBE handled automatically across SMS and RCS — in every supported language. Once a contact opts out, every send to that number is blocked at the API layer.
Consent ledger
Every opt-in is logged with timestamp, source, IP, and the exact disclosure language shown. Tamper-evident, exportable, and retained past TCPA's 4-year statute of limitations.
Quiet hours & frequency caps
TCPA quiet hours (8am-9pm recipient local time) on by default. Per-recipient frequency caps prevent inadvertent over-sending. Healthcare emergencies get documented overrides.
SHAFT & HCT screening
Outbound messages screened for sex, hate, alcohol, firearms, tobacco, and high-risk content before they hit a carrier. Catches violations before they cost you a campaign suspension.
Use-case aware consent
Marketing requires double opt-in; transactional 2FA and TCPA-exempt healthcare flows do not. We apply the right rule per campaign so you're not over- or under-collecting.
HIPAA, PCI & BAA, on file
Encryption (TLS 1.2+, AES-256), audit logging, BAAs for healthcare customers, and PCI-minimization via tokenized payment links. SOC 2 Type II in progress.
We get the restricted categories approved
10DLC use-case categorization is where most healthcare and finance registrations stall. We tell you upfront which lane each message falls into — before you submit.
| Use case | 10DLC category | Pinnacle outcome |
|---|---|---|
| Appointment reminders | Healthcare / Standard | Approved in 2-3 days |
| Prescription refill alerts | Healthcare | Approved in 2-3 days |
| Fraud & transaction alerts | Account Notifications | Approved in 2-3 days |
| OTP & account verification | 2FA | Approved in 1-2 days |
| Loan servicing reminders | Account Notifications | Approved with documentation |
| Debt collection | Debt Collection | Approved with extra TCPA review |
| High-cost / payday lending | Restricted | Not supported on US carriers |
Categorization and outcomes vary by content, opt-in flow, and brand history. We confirm yours during the 15-min call before you submit.
Pull a consent record in one API call.
Stop hunting through Salesforce, your CRM, and three Slack threads to prove someone opted in. Pinnacle keeps the timestamp, source, IP, and exact disclosure for every contact — audit-ready, exportable, retained past the 4-year TCPA window.
See the consent ledger →We'd been rejected three times on the same 10DLC campaign and were burning engineering hours rebuilding STOP/HELP from scratch every time we changed providers. Pinnacle handled the registration and the consent layer — we stopped being part-time compliance experts.
Common questions
What healthcare and finance teams ask before they sign.
Stop being your own compliance team.
Book a 15-minute call. We'll review your current consent stack, draft your registration, and tell you exactly which CTIA and TCPA gaps to close — for free.
Book a compliance call →Backed by Y Combinator · Trusted by healthcare and fintech teams