Transactional SMS in the Philippines refers to automated, triggered messages sent to an individual recipient as a direct result of an action they have taken: a login attempt, a transaction confirmation, a disbursement alert, or a payment notification, as distinct from promotional or marketing messages sent to a contact list. The distinction matters because transactional SMS is routed differently by Philippine telcos, priced differently, and regulated differently by the Bangko Sentral ng Pilipinas, especially with Circular 1213 in the picture now..