Accept Credit Card Paymentsby Phone
Whether you're making a sale or collecting outstanding debt, Paytia lets your payment agents speak with customers and take secure payments. Customers enter their card details directly into their own telephone keypad - your staff never see the numbers. They're masked. Completely hidden. Works like magic, honestly.
Secure Phone Payments
Safe • Fast • Compliant
How It Works
In business, payments generally happen in Sales and Account/Credit control functions. Paytia is a simple to use service allowing your payment agents to speak with their customer and also take secure payments. So, if you are making a sale or trying to collect outstanding debt, Paytia allows your customers to pay by entering their sensitive payment card details directly into their own telephone keypad.
Your agent clicks a button in their system, or logs onto the Paytia User Interface to start secure payment capture. When your customer is ready to pay, your agent simply enters the Paytia 7 2 9 (PAY) start commands using their own telephone keypad. The customer enters their card number on their phone keypad - tapping in the digits themselves. Your agent stays on the line the whole time, but they can't hear the actual card numbers. They might hear some beeps, but those are masked. The real numbers go straight to the payment processor. Your agent never sees them, never hears them, never stores them. But they're still right there on the call if the customer needs help.
Here's something else: agents can visually track every key press by watching the Paytia User Interface card capture screen. They see progress - like dots or asterisks appearing - but never the actual digits. So they know the customer is entering their card, they can help if something goes wrong, but the sensitive data stays completely hidden.
We've been running this setup for 10+ years now. Hundreds of businesses use it - insurance companies, doctors' offices, travel agents. They all switched because the old way was a nightmare. Staff writing card numbers on post-it notes. Card details sitting in call recordings. PCI audits costing a fortune. We fixed all that by making sure card data never touches your systems in the first place.
Here's What Happens
Paytia works on both inbound and outbound calls. Whether the customer calls you, or your agent calls them, the process is the same:
- Call connects: Customer and agent are on the line together. Customer says they want to pay by card (or agent offers to take payment).
- Agent starts payment: Clicks a button in their system, or logs onto the Paytia User Interface to begin secure payment capture. When the customer is ready to pay, the agent enters the Paytia 7 2 9 (PAY) start commands using their own telephone keypad. Agent stays on the line throughout - they're there if the customer needs help, but they can't hear the card numbers.
- Card number gets entered: Customer taps it in on their phone keypad. Agent stays connected but hears masked tones - not the real numbers. Agent can also visually track progress on the Paytia User Interface card capture screen, seeing dots or asterisks appear as each digit is entered, but never the actual digits. Those go straight to the secure payment processor.
- Done: Payment goes through. Customer gets confirmation. You get paid. Agent never saw a single digit.
The Old Way vs The Right Way
What Everyone Used to Do
- • Agent asks for card number and then writes it down to retype in a payment screen or terminal
- • Card details end up stored in your database
- • PCI audits cost thousands every year
- • One mistake and you're dealing with a data breach
- • Can't record calls because card data is captured in the recording
What We Do Instead
- • Agents never see or hear the card number anymore - customer enters it directly
- • Card data never enters your systems - goes straight to the payment processor
- • 87% less PCI compliance costs - less time, less work = less money
- • Can't breach what you don't have - card data never touches your infrastructure
- • Record calls all you want - no card data is captured in recordings
Who's Using This?
Insurance Companies
People call to pay their premiums. They want to chat with someone real. You want to avoid PCI nightmares. This solves both problems.
- • Monthly premium payments
- • Policy renewals
- • Claims payouts
Doctors & Hospitals
Patients ring up to pay bills. They're already dealing with medical stuff - payment shouldn't add stress. Keep it simple and secure.
- • Co-pays over the phone
- • Outstanding bills
- • Treatment payments
Travel Companies
Someone needs to change their flight or upgrade their hotel room. They're on the phone anyway. Why make them hang up and go online?
- • Flight change fees
- • Hotel upgrades
- • Last-minute bookings
Utility Companies
Customer's about to get cut off. They call in a panic. You need payment fast. Phone payments mean they can pay right then and there.
- • Emergency payments
- • Setting up payment plans
- • Collecting deposits
What You Get
PCI Compliance? Sorted
We're PCI Level 1 compliant. Since card data never hits your systems, your compliance scope is tiny. Less scope, less cost, less hassle.
Numbers Are Hidden
DTMF masking means when customers tap in their card number, your agent doesn't hear the real digits. They might hear beeps, but not the actual numbers. Those go straight to the payment processor.
Plugs Into What You've Got
Works with your existing phone setup - PBX, VoIP, whatever. We don't make you replace everything. Just add our system and you're good to go.
Common Questions
How does DTMF masking work?
When customers enter card numbers on their phone keypad, the DTMF tones (those beeps) are masked. Your agent hears silence or masked tones, but the actual numbers go straight to the secure payment processor. No one sees or hears the real card details.
Will this work with our phone system?
Yes. We integrate with PBX systems, VoIP platforms, and contact center software. If you can make phone calls, we can make phone payments work.
How much does PCI compliance cost?
With phone payments, you typically save 87% on PCI compliance costs. Since card data never touches your systems, your compliance scope is tiny. Less scope means less cost.
What if customers want to talk to someone?
That's the whole point. Your agent stays on the line, helps the customer, guides them through payment. They just never see or hear the card numbers. Customers get the personal touch, you get the security.
How long does setup take?
Paytia is a SaaS service with self-service onboarding. You can be up and running in 10 minutes.
Ready to accept phone payments securely?
Join 500+ businesses that trust Paytia for secure phone payments. Get PCI compliant, reduce costs, and keep customers happy.