Meet FCA and PCI requirements simultaneously. Process payments securely across banking, lending, and advisory services without card data ever touching your systems.
Dual FCA and PCI obligations, insider fraud risk, and complex payment workflows demand purpose-built solutions — not generic card terminals.
Financial services face some of the strictest regulatory requirements in the UK. Meeting FCA conduct rules, consumer duty obligations, and PCI DSS simultaneously creates a compliance landscape that generic payment tools cannot navigate.
Phone-based payments in financial services are a prime target for fraud. Agents handling card data create an insider threat vector that is difficult to monitor, especially across large or outsourced contact centre teams.
Financial services often require multi-step payment processes — partial payments, split transactions, instalment schedules, and recurring billing — all of which must remain fully compliant at every stage.
Regulators demand complete, tamper-proof records of every transaction. Manual payment processes make it difficult to maintain the detailed audit trails that FCA compliance teams and external auditors require.
Every feature addresses the unique regulatory and security demands of the financial sector.
Proprietary technology replaces keypad tones in real time. Agents process payments across all financial products without hearing or seeing card data — eliminating the insider threat entirely.
Designed to meet FCA conduct and Consumer Duty requirements alongside PCI DSS. Dual compliance from a single integration, with evidence trails that satisfy both regulatory frameworks.
Card data never enters your environment. No agent, no system, no call recording ever contains payment credentials — removing the entire attack surface from your financial services operation.
Every transaction is logged with full audit history including timestamps, agent IDs, and payment outcomes. Demonstrate compliance to FCA and PCI auditors with detailed, tamper-proof records.
Strong Customer Authentication built in. Paytia supports 3D Secure and other SCA methods required under PSD2 for secure card-not-present transactions in financial services.
Process through your existing payment gateway — Stripe, Worldpay, Barclaycard, Adyen, and more. Integrate with your current treasury and reconciliation systems without switching providers.
FCA
Compliant
Level 1
PCI certified
Zero
Card data exposure
Complete
Audit trail
Dual FCA and PCI DSS compliance from a single integration
Zero insider threat — agents never access card data
Complete audit trail satisfies FCA and PCI auditors
SCA and 3D Secure support for PSD2 compliance
Call recordings remain compliant without pausing or redaction
Works with existing payment gateways and treasury systems
API integration with CRM and back-office reconciliation
Scales across contact centres, branches, and remote staff
By removing card data from agent interactions, Paytia reduces the risk of consumer harm from data breaches. The complete audit trail demonstrates that your payment processes are designed with consumer protection at the core — a key Consumer Duty requirement.
Yes. Paytia processes payments across lending, insurance, investment, and advisory services. The platform handles the payment capture securely while your systems manage the regulatory product logic.
Call recordings continue as normal, but the DTMF tones containing card data are replaced with flat tones in real time. Your recordings are fully compliant — no need to pause recording or redact card details afterwards.
Paytia supports 3D Secure authentication as part of the payment flow. When SCA is required, the customer completes the authentication challenge on their phone during the call without interrupting the conversation.
Yes. Paytia provides APIs and webhooks that integrate with CRM platforms, treasury systems, and back-office reconciliation tools. Payment data flows into your existing workflows without manual re-keying.
See how Paytia delivers FCA and PCI compliance in a single integration. Book a personalised demo with our team.