diff --git a/README.md b/README.md
index 617f140..b117504 100644
--- a/README.md
+++ b/README.md
@@ -132,7 +132,9 @@ most handsets and SMSCs stop well short of 255, and refusing beats a message onl
 ### Receiving
 
 A `receiver` or `transceiver` client gets mobile-originated messages as `sms` events — the same
-handle the server side gets, answered the same way:
+handle the server side gets, answered the same way. That includes a multipart message: it was
+already answered segment by segment before you see it, which changes what `sendResp()` does there —
+see [Server](#server).
 
 ```javascript
 session.on('sms', async sms => {
@@ -207,11 +209,12 @@ if (err) throw err;
 
 smpp.on('session', session => {
 	session.on('sms', async sms => {
-		// Responding is part of the protocol, not optional. Without arguments it answers
-		// ESME_ROK with a generated id. On a message sendResp() still answers itself — see
-		// below — you may pass your own id, and a status to refuse the message:
-		// await sms.sendResp({ smsId: yourOwnId, status: 'ESME_RMSGQFUL' });
-		await sms.sendResp();
+		if (sms.answeredOnArrival) {
+			await sms.sendResp(); // multipart: already answered per segment; this only releases the shutdown drain
+		} else {
+			// no args: ESME_ROK + generated id; or sendResp({ smsId, status: 'ESME_RMSGQFUL' })
+			await sms.sendResp();
+		}
 
 		if (sms.dlr) {
 			await sms.sendDlr(); // same as sms.sendDlr('DELIVERED')
@@ -235,6 +238,40 @@ answers itself. `sms.smsId` is the base either way, and `sendDlr()` names `<smsI
 and so on — the ids a `submit_sm`'s responses carried. A `deliver_sm` is answered with no id at all,
 since SMPP marks that field unused, so an inbound message's base is a handle of your own only.
 
+A refusal that depends on the request rather than the reassembled message — a full queue, an unknown
+recipient, an unauthorised sender — needs to land before a segment is answered, which `sendResp()`
+can no longer do once it has. A hand-wired `Session` (see [Bind direction](#bind-direction)) decides
+there instead, at `onRequest`, which runs before any of the library's own handling:
+
+```javascript
+import net from 'node:net';
+import { isCommand, Session } from '@larvit/smpp';
+
+const knownRecipients = new Set(['46709771337']);
+
+net.createServer(sock => {
+	const session = new Session({
+		onRequest: async (bound, pduObj) => {
+			if (!isCommand(pduObj, 'submit_sm') || knownRecipients.has(pduObj.params.destination_addr)) {
+				return false;
+			}
+
+			await bound.sendReturn(pduObj, 'ESME_RINVDSTADR');
+
+			return true;
+		},
+		sock,
+	});
+
+	session.linkEnd = 'smsc';
+}).listen(2775);
+```
+
+Returning `true` means the hook has answered the PDU and the library leaves it alone; `false` lets
+the built-in handling — reassembly, the `sms` event — run as usual. A hand-wired `Session` has no
+bind handling of its own, though: `onRequest` is where a peer's bind gets accepted too, the way
+`server()` does it.
+
 `sendDlr` accepts `SCHEDULED`, `ENROUTE`, `DELIVERED`, `EXPIRED`, `DELETED`, `UNDELIVERABLE`,
 `ACCEPTED`, `UNKNOWN`, `REJECTED` and `SKIPPED`. `SCHEDULED` and `ENROUTE` go out as intermediate
 delivery notifications (`esm_class` 0x20), the rest as delivery receipts (0x04).
diff --git a/src/sms.ts b/src/sms.ts
index e83f036..a82aa88 100644
--- a/src/sms.ts
+++ b/src/sms.ts
@@ -87,7 +87,7 @@ export function createSms(input: SmsInput, handlers: SmsHandlers): Sms {
 		sendDlr: status => sendDlr(sms, handlers.send, status),
 		sendResp: options => (input.answeredAs === undefined
 			? sendResp(sms, answered, options ?? {}, handlers)
-			: alreadyAnswered(options ?? {}, handlers)),
+			: answeredOnArrival(options ?? {}, handlers)),
 		session: input.session,
 		get smsId(): string {
 			return answered.smsId;
@@ -100,7 +100,7 @@ export function createSms(input: SmsInput, handlers: SmsHandlers): Sms {
 }
 
 /** Every segment went out answered, so the call is what the shutdown waits for and nothing else. */
-function alreadyAnswered(
+function answeredOnArrival(
 	options: SendRespOptions,
 	handlers: Pick<SmsHandlers, 'onAnswered'>,
 ): Promise<VoidResult> {
diff --git a/test/readme.test.ts b/test/readme.test.ts
index 0895180..e9362f1 100644
--- a/test/readme.test.ts
+++ b/test/readme.test.ts
@@ -1,15 +1,18 @@
 import assert from 'node:assert/strict';
+import net from 'node:net';
 import test, { describe } from 'node:test';
 import type { Dlr } from '../src/dlr.ts';
-import type { Session } from '../src/session.ts';
+import type { PduObject } from '../src/pdu.ts';
 import type { Sms } from '../src/sms.ts';
 import type { SmppLog } from '../src/log.ts';
 import type { SmppServer } from '../src/server.ts';
 import type { TestContext } from 'node:test';
+import { PduFramer } from '../src/pdu-framer.ts';
 import { PduRefusedError } from '../src/pdu-refusal.ts';
-import { objToPdu } from '../src/pdu.ts';
+import { Session } from '../src/session.ts';
 import { client } from '../src/client.ts';
-import { closeAfter } from './teardown.ts';
+import { closeAfter, closeListenerAfter } from './teardown.ts';
+import { isCommand, objToPdu, pduToObj } from '../src/pdu.ts';
 import { server } from '../src/server.ts';
 
 function once<T>(register: (resolve: (value: T) => void) => void): Promise<T> {
@@ -218,9 +221,17 @@ describe('README: Server', () => {
 
 		closeAfter(t, smpp);
 
+		let answeredOnArrival: boolean | undefined;
+
 		smpp.on('session', session => {
 			session.on('sms', async sms => {
-				await sms.sendResp();
+				answeredOnArrival = sms.answeredOnArrival;
+
+				if (sms.answeredOnArrival) {
+					await sms.sendResp(); // multipart: only releases the shutdown drain
+				} else {
+					await sms.sendResp(); // ESME_ROK with a generated id
+				}
 
 				if (sms.dlr) {
 					await sms.sendDlr();
@@ -250,6 +261,71 @@ describe('README: Server', () => {
 
 		assert.equal(sent.err, undefined);
 		assert.equal((await reported).statusMsg, 'DELIVERED');
+		assert.equal(answeredOnArrival, false);
+	});
+
+	test('refusing a submission at onRequest, before this library would answer it', async t => {
+		const knownRecipients = new Set(['46709771337']);
+		const accepted: net.Socket[] = [];
+		const listener = net.createServer(sock => {
+			accepted.push(sock);
+
+			const session = new Session({
+				onRequest: async (bound, pduObj) => {
+					if (!isCommand(pduObj, 'submit_sm') || knownRecipients.has(pduObj.params.destination_addr)) {
+						return false;
+					}
+
+					await bound.sendReturn(pduObj, 'ESME_RINVDSTADR');
+
+					return true;
+				},
+				sock,
+			});
+
+			session.linkEnd = 'smsc';
+			closeAfter(t, session);
+		});
+
+		closeListenerAfter(t, listener, accepted);
+
+		await new Promise<void>(resolve => { listener.listen(0, resolve); });
+
+		const address = listener.address();
+		const port = typeof address === 'object' && address !== null ? address.port : 0;
+		const peer = net.connect({ port });
+
+		t.after(() => { peer.destroy(); });
+
+		const framer = new PduFramer();
+		const refused = once<PduObject>(resolve => {
+			peer.on('data', chunk => {
+				framer.push(chunk);
+
+				for (const pdu of framer.next().pdus ?? []) {
+					const { pduObj } = pduToObj(pdu);
+
+					if (pduObj) resolve(pduObj);
+				}
+			});
+		});
+
+		await once<true>(resolve => { peer.once('connect', () => { resolve(true); }); });
+
+		const { buffer } = objToPdu({
+			cmdName: 'submit_sm',
+			params: {
+				destination_addr: '46700000000',
+				short_message: 'Hello world',
+				source_addr: '46701113311',
+			},
+			seqNr: 1,
+		});
+
+		assert.ok(buffer);
+		peer.write(buffer);
+
+		assert.equal((await refused).cmdStatus, 'ESME_RINVDSTADR');
 	});
 });