Everywhere that I know of requires a real, specific, individual to sign off on the purchase order, charge it to their card, send the bill to accounts payables, etc...

That's not what GP was saying?

Whether or not the provider makes the customer pay with a credit card has no impact on if the provider requires templated SMS messages.

I'm saying it. There is a specific individual that had to approve it, somewhere, somehow, even if that's not true for the 'template'.