Opt-In Leads
Opt-in MCA leads are merchant records where the business owner has affirmatively consented to be contacted about funding offers — typically via form checkbox, SMS reply, or call recording — distinguishing them from purchased lists where consent provenance is unclear.
Why This Matters
Opt-in leads are the TCPA-safe foundation of any compliant MCA lead operation. Consent must be explicit (not pre-checked), specific (mentioning the marketing channel), and documented (timestamp, IP address, consent text screenshot). Single-opt-in records the consent action; double-opt-in adds a verification step (email confirmation or SMS reply) that strengthens consent quality. Reputable lead vendors maintain consent audit trails and produce them on demand. Working only opt-in inventory dramatically reduces TCPA litigation exposure compared to mixed lists.
Frequently Asked Questions
Frequently Asked Questions
What documentation should opt-in leads include?
Consent timestamp, IP address, originating page URL, exact consent language displayed, and channel-specific consent (calls, SMS, email separately). Reputable vendors deliver this metadata with each record or via consent-lookup API.
Are opt-in leads exempt from TCPA?
No — opt-in leads still require TCPA-compliant calling and texting practices, but documented prior express written consent provides the safest defense against TCPA litigation. Always pair opt-in inventory with internal DNC scrubs and per-call consent verification.