The Spinwheel Credit Pull by SMS Verification integration allows for a secure credit data pull using OTP (One-Time Password) confirmation via SMS. It leverages Spinwheel’s API to retrieve the user’s verified debt amount after they validate their phone number.
Note: The Debt Amount Integration must be enabled at the Source level for this feature to function properly.

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Funnel Form Flow Step-Level Configuration

Configuration Path:
Funnel > Form Flow > Step Edit Setting > Credit Pull by SMS Verification All Sources

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Functionality

  • Toggle “Credit Pull by SMS Verification” after the step where all required data (like phone number) is collected.
  • When enabled:
    • An OTP will be sent to the user’s mobile number.
    • Upon successful OTP verification, a credit pull is triggered via Spinwheel.
    • The response data is used to update the lead record.

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Fields Updated in the Lead Record

After the credit pull is complete, the system stores the following fields:
FieldDescription
debt_amountThe actual debt amount retrieved via Spinwheel
qualified_leadtrue or false — Indicates if the pulled debt amount is less than or equal to the threshold set in the source-level debt amount configuration
Tip: Use this OTP-based credit check for an extra layer of consent and validation before accepting or routing high-value leads.