SMS Payments – Twilio Transfers


SMS Payments – Twilio Transfers


The SMS Payments Add-on allows your users to check their current point balance or make transfers via SMS (Short Message Service) messages.

Just like the Transfer add-on where users transfer their points via a shortcode on your website, SMS Payments does the exact same thing but via specially constructed SMS messages. In order to use this add-on, you must have a Twilio account with a verified phone number that supports messaging.

Allows Users to make transfers via SMS messages.
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SMS Payments – Twilio Transfers



Allows you to install and use this plugin on a single website or multisite installation. 1 year free updates and support included.

Transfer Points via SMS

Enable users to transfer points through SMS messaging.

Check Point Balance

Enable users to check their point balance via SMS messaging.

Transfer Confirmation Message

Option to send transfer confirmation messages to the sender.

Cancel Transfers

Option to allow transfer cancellations.

Enforce Transfer Limits

Option to set and enforce the transfer limit via the Transfer add-on.

How it works

Your user sends a specially formatted SMS message to your Twilio phone number.

Twilio receives the message and forwards it to the Notifications URL you have provided.

The message is captured by the add-on and processed. If set, a reply is sent back to the user.

The Process

  1. A user types a SMS message where he enters (in order): The action he wants to take, the amount of points he wants to send, the user he wants to send it to and if allowed, an optional description for the transfer referred to as “a message”.
  2. The user sends this SMS to your Twilio number that you have given him.
  3. Twilio receives the message and forwards it to the URL set in your phone numbers Messaging settings.
  4. The SMS Payments add-on intercepts this call and processes the message body.
  5. First, the add-on tries to identify the sender by checking the senders phone number against your database.
  6. If the user is found, the add-on then checks that the amount requested to be sent can be covered by the sender and if set, does not exceed his transfer limit.
  7. If the amount is good, the add-on then tries to identify the recipient. You can identify recipients by either their user ID, login (username) or email.
  8. If the recipient is found, the transfer is initiated by first charging the sender then depositing the amount into the recipients account.
  9. If you allow cancellations, the add-on will save the transaction for x number of seconds via WordPress Transients and presents Twilio (who at this stage is still waiting for a reply) with a SMS message.
  10. This SMS message is given to Twilio as a “reply” to the call causing Twilio to send it back to the user.

The transfer sender then receives the SMS message and if you allow cancellations has then x number of seconds to send the cancellations message. Once the cancellation time has passed, the transient is deleted and cancellations is no longer possible.

SMS Message Structure

Making a transfer:


Cancelling a transfer:


Installation Guide

  1. Download the add-on
  2. Unzip and upload the sms-transfers folder to your wp-content/plugins/ folder
  3. Login to your WordPress admin area
  4. Enable the SMS Payments plugin
  5. Done

SMS Payment Settings

  1. Enter your Twilio Account ID and the Twilio phone number to which users will send their SMS messages.
  2. Enter the meta key where you store your users phone numbers. This can either be a WordPress meta key or a BuddyPress extra profile field name. *
  3. Select how to identify the transfer recipients in the SMS messages. By default you can select ID, login or emails.
  4. Set how you want to identify user actions such as transfers and / or transfer cancellations.
  5. Select if you want to enforce the transfer limit used by the Transfers add-on.
  6. Select if you want to offer transfer cancellations by setting the number of seconds a user has to cancel a transfer. Use zero to disable this feature.
  7. Set your myCred Log templates for transfers and cancellations.
  8. Set the SMS replies you want to send users. Remember that you will be charged for these SMS replies and there is a maximum 160 characters per message.
  9. Click Update Settings

* Phone numbers must be stored in the proper format! This means numbers should start with a plus character (+)  then the country code (1 for USA) then the entire number without any dashes or spaces!

Important to remember

  • This add-on will only manage the SMS transfers for you. It will NOT insert any details to your users on how to use the SMS service, this you need to add yourself!
  • Twilio will charge you for replying to SMS messages. If you expect a large volume of messages, please contact Twilio Sales to make sure you are on the correct pricing plan.
  • Support is only offered for this add-on. If you experience technical issues with your Twilio account, please contact Twilio directly.

Setting up your Twilio Number

In order for this add-on to work, you must setup your Twilio phone numbers “Messaging Request URL” in order to tell Twilio where to forward incoming SMS messages.

  1. Login to your Twilio account
  2. Click on “Numbers” in your account menu
  3. Click on the phone number you want to use
  4. In the “Messaging” box enter the URL given to your in your myCred > Settings > SMS Payments settings.
  5. Make sure the request is done using “GET”.
  6. Click Save Changes
  7. Done!


Product Changelog

Version 1.0.3

  • Improvement – License System

Version 1.0.2

  • Fixed – Fatal Error.
  • Fixed – Warning Message.

Version 1.0.1

  • Fixed – Identifying users via ID is not working.
  • Fixed – Success template not getting saved on some setups.

Version 1.0

  • Initial release

Frequently Asked Questions

4 reviews for SMS Payments – Twilio Transfers

  1. Avatar


    Well after purchasing mycred userpro and the mycred lottery plugins to name but a few purchased I simply was blown away by the quality and customer service. Integration was excellent. I purchased other plugins at the same time and after my purchases I had extra tokens issued for the purchases which meant in fact I had saved enough for and extra plugin for FREE. That was a nice touch offering tokens for paying custom because It allows me to effectivly buy 2 get one free in a way.
    They plugin itself has been a life saver for my MX theme. Thank you ever so much for a wonderfully coded plugin yet again.
    I would recommend all plugins and the SMS is next on my list! Thanks and would recommend it’s beautifully done! 5 stars accross the board for this and the other two plugins!

  2. Avatar

    Christophe Dupas

    Wonderful addon… Very useful for users

  3. Avatar


    It really works and easy to set up! Very useful.

  4. Avatar


    Good plugin.
    Really works

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Minimum Requirements
  • WordPress 4.0
  • PHP 5.3
  • myCRED 1.6
  • 1.0.3