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Is there some way to create an SMS based service using Twilio, and charge users? Like, the user gets charged on their phone bill and I, the service owner, get paid by Twilio or something.

Or is that just not a thing and it has to be done OOB?

It depends on the country. In the UK it's very common, and relatively easy to do the 'premium sms' that you describe.

It's not at all common in the US, and Twilio doesn't seem to support it anywhere.

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