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SMS Messaging Program

Last updated June 2, 2026

This page explains Codel’s text-message (SMS) program: what it is, exactly how you opt in, the consent you give, and the messages we send. It is the reference for our A2P 10DLC campaign registration.

The program at a glance

  • Program name: Codel.
  • What it does: Codel sends you a text message when a new charge is detected on a credit card you have connected to your account. Each message identifies the transaction (amount, merchant, date, and a short reference code) and asks what the purchase was for. Your reply is saved as that transaction’s note for expense categorization.
  • Message type: transactional account notifications only. No marketing, no third-party content, and no messaging to anyone who has not opted in.
  • Frequency: event-driven — roughly one message per new card transaction. Message and data rates may apply at your carrier’s standard rates.
  • Who we message: the account holder only, at the mobile number they entered and verified.

How you opt in

Codel uses double opt-in. You are enrolled only after you (a) enter your own mobile number, (b) actively check an unchecked consent box, and (c) confirm ownership of the number by entering a one-time code we text you. No consent is ever pre-checked, and no purchased or third-party lists are used. Providing a number is optional — you can skip it and use Codel without SMS.

Step 1 — Create an account

You enter your email and receive a 6-digit sign-in code — no password.

Codel sign-up screen asking for an email address
Account creation. Email-based sign-in, no password.
Screen to enter the 6-digit code sent to the user's email
Entering the code sent to your email.

Step 2 — Add your name

Screen asking the user for their name
Basic profile. This name appears on your expense reports.

Step 3 — Enter your mobile number and give explicit SMS consent

This is the opt-in screen. You type your own mobile number and must check the consent boxbefore the “Send verification code” button becomes active. The box is unchecked by default, and this step is optional — you can choose “Skip for now” and use Codel without texts.

Opt-in screen with a mobile number field and an unchecked SMS consent checkbox
The opt-in screen. Consent is explicit, unchecked by default, and optional (note the “Skip for now” link).
Close-up of the consent checkbox and the disabled-until-checked button
Close-up: the button stays disabled until you check the box, so a number can never be enrolled without an affirmative action.

Exact consent language you agree to

☑️ I agree to receive expense-coding text messages from Codel at this number. Reply STOP to opt out or HELPfor help. Message & data rates may apply.

Step 4 — Confirm your number

Codel texts a 6-digit code to the number you entered. You enter that code to finish — proving you control the phone before any further texts are sent.

Screen to enter the 6-digit code texted to the user's phone
Entering the code we texted to confirm ownership of the number.

Step 5 — You’re enrolled

Confirmation screen showing the user is opted in
Confirmation. You are now opted in and reminded you can reply STOP anytime.

Messages we send

These are representative of every message the program sends.

Opt-in / verification text

Codel: Your verification code is 481920. Enter it to confirm your number and start receiving expense-coding texts. Reply HELP for help, STOP to cancel. Msg & data rates may apply.

Transaction notification (core message)

Codel: $42.31 at SHELL OIL 57442 on Jun 18. What was this for? (Ref: A1B2C3)

Transaction notification (another example)

Codel: $129.00 at HOME DEPOT #6420 on Jun 19. What was this for? (Ref: D4E5F6)

HELP reply

Codel: reply to a transaction text with what it was for. Msg & data rates may apply. Reply STOP to unsubscribe.

STOP reply

You’ve been unsubscribed from Codel. Reply START to resubscribe.
A phone SMS thread: opt-in confirmation followed by transaction prompts and plain-language replies
A live thread: opt-in confirmation, then transaction prompts and replies.

Opting out and getting help

Every message supports the standard carrier keywords. Reply STOP (we also honor STOPALL, UNSUBSCRIBE, CANCEL, END, and QUIT) to stop messages immediately, and HELPfor service information. If you’ve opted out, reply START to opt back in.

A phone SMS thread showing HELP, STOP, and START keyword handling
HELP, STOP, and START keyword handling.

Privacy and data

Phone numbers and message contents are used only to operate the service — transaction notifications and your replies. SMS delivery is handled by Twilio; no SMS data is sold or shared for anyone else’s marketing. From our Privacy Policy, verbatim:

No third-party marketing sharing: we will not share your SMS opt-in information, phone number, or text-message contents with third parties or affiliates for their marketing or promotional purposes.

Full details are in our Privacy Policy and Terms of Service. Questions about the SMS program? Email taylorleefischer@gmail.com.