Thanks! Since you’ve tried it, do you have a better sense of why it requires this step and isn’t just a normal web form?

No clue but I'd speculate it's just meant to be something quirk and different/fun.

I just used it too. And I think it’s actually faster to go back and forth via text than to enter data in a web form.

I can text faster than form enter. And the transaction is saved for reference.

It’s probably also cheaper to build since you don’t have to design and host a web site.

Welp… now I have to try it too because intuitively I can see that being true.