Paytia Launches PayMobile: The First App to Combine Tap-to-Pay and Secure Telephone Payments in a Single Solution

Paytia, a UK-based payment security company, today announced the launch of PayMobile, an industry-first mobile application that combines in-person contactless payments with secure telephone card capture in a single solution. Available now on the Apple App Store with Stripe integration, PayMobile enables field service professionals, sole traders, and mobile businesses to accept both tap-to-pay and phone payments without customers ever needing to read their card numbers aloud.

Despite decades of progress in payment security — from chip-and-PIN to tokenisation and biometric authentication — telephone payments remain one of the most overlooked security gaps in the payments industry. Millions of transactions every day still rely on customers reading sixteen-digit card numbers over the phone, where the data passes through human ears, gets written on notepads, lingers in call recordings, and sits in CRM systems. For small and mid-sized businesses, from plumbing firms to event ticketing companies, the compliance burden of handling this data securely under PCI DSS has been staggering — requiring hundreds of controls, specialist consultants, and significant ongoing investment.

"For years, enterprise call centres have had access to secure payment infrastructure, but the solo engineer, the mobile sales rep, the market trader — they've been left to write card numbers on the back of invoices," said Curtis Nash, CEO and founder of Paytia. "PayMobile changes that. For the first time, a one-person business has the same level of PCI-compliant payment security as a Fortune 500 contact centre, right in their pocket."

How PayMobile Works

PayMobile operates in two modes. For face-to-face transactions, it uses Stripe's tap-to-pay infrastructure, turning any compatible smartphone into a contactless payment terminal that accepts cards, Apple Pay, and Google Pay — with no additional hardware required. For telephone payments, PayMobile deploys DTMF (Dual-Tone Multi-Frequency) masking technology. During a live call, the customer enters their card details using their phone's keypad. The tones are intercepted and masked in real time: the agent hears only flat, uniform tones and never sees, hears, or has access to the actual card data. The payment is processed securely through Paytia's PCI DSS Level 1 certified platform.

The app includes additional security layers including device fingerprinting, jailbreak detection, and real-time fraud monitoring. It also provides each user with a free dedicated business phone number and professional voicemail — consolidating what previously required multiple systems and providers into a single application.

Why Now: PCI DSS 4.0.1 Raises the Stakes

The launch comes at a critical moment for payment compliance. PCI DSS version 4.0.1, which became mandatory in April 2025, introduced stricter requirements around stored card data protection and access authentication. Businesses still taking phone payments the traditional way — with staff hearing or writing down card numbers — face a significantly harder compliance landscape. According to Paytia, their platform typically moves customers from SAQ D (329 requirements) to SAQ A (22 requirements) because card data never enters the merchant's environment. There are no call recordings to encrypt, no CRM fields to secure, and no staff training required around card data handling.

"The new PCI DSS requirements have made the status quo untenable for many small businesses," Nash added. "PayMobile doesn't just make compliance easier — it virtually eliminates the audit scope altogether. When there's simply no card data in your environment, there's nothing to find."

Availability

PayMobile is available now on the Apple App Store with Stripe as the integrated payment processor. Businesses can set up and begin accepting payments within minutes, with no hardware investment required.

About Paytia

Paytia is a UK-based payment security company specialising in PCI-compliant telephone and mobile payment solutions for call centres and contact centres. Founded in 2016, Paytia's SecureFlow platform is used by businesses worldwide to process card payments securely. Paytia is PCI DSS Level 1 certified — the highest level of compliance. For more information, visit www.paytia.com.