Payam Hosh – Smart SMS & Personal Finance Manager

Payam Hosh is a complete SMS messaging application designed for Android. In addition to sending and receiving text messages, it intelligently organizes your inbox and helps you manage your personal finances.

All message processing and classification are performed locally on your device. Payam Hosh does not require an internet connection for its local features and does not send your message content to any server.

• Automatically classifies messages into four categories: Personal, Transactional, Promotional, and Spam.

• Automatically moves promotional and spam messages out of the main inbox, with options to disable filtering and restore messages.

• Dedicated sections for OTP verification codes and bill notifications.

• Create custom categories to organize messages by topic.

• Correct the classification of individual messages or all messages from a sender. The app uses your corrections to improve future classification.

• Accurate multipart SMS calculation for Persian messages (typically 67 UTF-16 code units per segment).

• Prevents emojis from being incorrectly split between message segments.

• Displays the delivery status of each SMS segment separately.

• Schedule messages for a specific date and time.

• Send group messages to multiple recipients as individual messages.

• Dual-SIM support with default SIM selection.

• Check message links and warn about suspicious, unknown, and shortened URLs before opening them.

• Open suspicious links in the built-in browser with JavaScript disabled.

• Identify known official sender patterns and warn about suspicious senders, including potentially fraudulent banking messages.

• Automatically copy verification codes and support Autofill for entering codes in other apps.

• Protect the app with a password or fingerprint.

• Set a separate lock for the personal finance section.

• Private section for protecting sensitive conversations with a password.

Manage your expenses automatically using bank SMS messages.

• Automatically read and categorize transactions from bank messages.

• View total daily spending across all your bank cards.

• View transaction details and separate expenses for each card and account.

• Set budgets and manage spending.

• Analyze monthly income and expenses.

• Track savings and receive money-saving suggestions.

• Manage bills and receive payment and installment reminders.

• Keep transaction history and financial reports.

• Create password-protected backups of your data.

• Fully Persian, right-to-left (RTL) interface.

• Solar Hijri (Persian), Gregorian, or dual calendar support.

• Light mode, dark mode, and system theme.

• Adjustable conversation text size.

• Global message and conversation search.

• Star important messages and pin conversations.

• Organize and group conversations.

• Recycle Bin with message recovery.

• Manage deletion of messages from the Android SMS database.

To fully send and receive SMS messages and directly manage the Android SMS database, Payam Hosh must be selected as your default SMS application.

The app can also be used without becoming the default SMS app, but the original messages remain in your phone's default messaging application.

• MMS: Notifications and message records are supported, but full recovery of images and attachments is not yet available.

• RCS and chat features are not supported. Payam Hosh works with standard SMS and MMS messaging.

• Compatible with Android 8.0 and above.

• No internet required for local app features.

• No advertisements.

• No in-app purchases.

Payam Hosh – Manage your messages intelligently, understand your spending, and take control of your digital life.