Every feature addresses the unique regulatory and security demands of the financial sector.
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.
DTMF masking 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 and PCI DSS are different frameworks with different audit processes. Meeting both from a single Paytia integration removes the overhead of managing them separately.
Agents process payments daily — but they never see card numbers, hear them, or have any access to them. That attack vector is simply gone.
Every transaction is logged automatically with timestamps, agent IDs, and outcomes. When FCA or PCI auditors ask for evidence, it's already there.
Strong Customer Authentication is built into the call flow. Customers complete their challenge on the phone — no separate login or interruption to the conversation.
Your legal and compliance teams can record 100% of calls without worrying about card data. DTMF masking handles it at the network level.
Paytia works alongside your existing gateway, CRM, and back-office tools. APIs and webhooks connect payment data into your current workflows from day one.
Two very different financial services businesses — one handling retail currency, the other managing regulated client accounts — both using Paytia to keep card data out of the call flow.
CAS runs regulated client accounts where every transaction has to tie back to a fully auditable trail. FCA oversight, PCI DSS, and a finance team that can't afford to have card data floating through CRM notes. See how CAS secured client account payments by phone while keeping the evidence their auditors wanted.
Currency exchange sits across retail and financial services — it's regulated money, but it's sold like a consumer product. When ICE needed a compliant phone payment route for foreign currency orders, they built it with Paytia. Read about ICE International's phone payment rollout for currency orders and what it solved on the compliance side.
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.
No — Paytia is a technical compliance layer for card payments, not an FCA-authorised firm. Your acquirer carries the FCA permissions for taking card payments; we sit in front as the secure capture layer that keeps card data out of your phone calls and recordings. That distinction matters when your compliance team is mapping responsibilities. See our PCI DSS attestation for what we do certify.
We don't replace your merchant relationship — we sit in front of it. Card data is captured into our PCI DSS Level 1 environment via DTMF masking, then we pass the authorisation request straight through to whichever gateway and acquirer you already use. Stripe, Worldpay, Barclaycard, Adyen, Trust Payments — all supported. You keep your existing rates, settlement schedules, and treasury relationships. See the integration overview.
Yes. The platform tags every transaction at the point of collection so client-account receipts and operational fees route to the right ledger automatically. The audit trail records the call, the agent ID, the amount, the campaign or matter reference, and the gateway response — which is what your compliance team needs when they're reconciling regulated client-account activity. See the call flow for how the tagging happens.
Every transaction is logged with a tamper-proof timestamp, the agent ID, the amount, the call reference, the masked card BIN, the gateway response, and any 3D Secure authentication outcome. Exports run to CSV or via API into whichever case management or reconciliation system you use. When auditors ask for evidence on a specific call, you can produce the full chain in minutes rather than days. Talk to us about your audit format.
Yes. We expose REST APIs and webhooks so payment outcomes flow into your CRM, case-management, or back-office reconciliation tools without manual re-keying. Common integrations include Salesforce, HubSpot, Microsoft Dynamics, and bespoke practice-management systems. Most go live in a few days because we're only passing payment metadata into your stack — never card data. Book a demo if you want to see your specific stack mapped out.
See how Paytia delivers FCA and PCI compliance in a single integration. Book a personalised demo with our team.