Policyholders pay premiums and excesses securely by phone. Agents process payments without ever accessing card data — fully FCA and PCI compliant. Secure inbound payment card capture integrates directly into your claims processing workflow.
Built for insurers who take premiums and excess payments over the phone.
Taking card payments over the phone is a daily reality in insurance — premiums, excesses, renewals, mid-term adjustments. Each one creates a compliance risk if card data touches your systems.
Collecting premiums over the phone means agents handle card data repeatedly. Each transaction creates a compliance risk and potential breach point across your entire workforce.
Policyholders paying excesses during stressful claims are asked to read card numbers aloud. This creates both a poor customer experience and a serious security vulnerability.
The FCA expects insurers to protect consumers at every touchpoint — including payment. If card data leaks from a phone call, that's an enforcement problem, not just an IT one.
Insurance records combined with payment data create an extremely high-value target. A breach exposes both financial and personal information, multiplying the impact significantly.
Proprietary technology replaces keypad tones in real time. Agents process premium and excess payments without hearing or seeing any card data.
Designed to meet FCA consumer protection requirements alongside PCI DSS. One solution that satisfies both regulatory frameworks for insurance.
Record every call for FCA compliance without capturing card data. DTMF masking means recordings are automatically PCI compliant.
Connects with your existing policy management and CRM systems. Agents stay in their workflow while payments process securely in the background.
Reliable infrastructure ensures payments are always available. No downtime during peak renewal periods or claims surges.
Every transaction is logged with full audit history. Demonstrate compliance to regulators with detailed, tamper-proof payment records.
What a difference it makes when payment capture doesn't interrupt the moment
When a policyholder has just had an accident or suffered a loss, the last thing they should be doing is reading their card number aloud to a stranger. Paytia lets them key in their excess payment privately. The agent stays on the call, the conversation continues, and the payment happens without anyone needing to ask for sensitive details.
Consumer Duty asks insurers to act in customers' best interests at every touchpoint. Asking someone to read card data aloud in a call centre — where others can hear, where recordings run — isn't that. Paytia removes that exposure entirely, which is something you can point to directly in a Consumer Duty assessment.
Retention teams spend time and effort getting a customer to agree to renew. Once they've agreed, adding friction — 'we'll send you a payment link' or 'can you call back with your card?' — loses conversions. With Paytia, the renewal payment happens right there, in the same call, the moment the customer says yes.
In a typical insurance contact centre, every agent who handles a payment call is technically in scope for PCI DSS. That means your whole workforce, your call recording systems, your network. Paytia's DTMF masking removes card data from your environment entirely. Fewer systems in scope means a shorter, cheaper annual assessment.
Pause/resume compliance means agents pause the recording before the customer reads their card number and resume afterwards. In practice, it's inconsistently applied — and every gap is a potential FCA issue. With Paytia, there's no pause/resume. Calls record continuously from start to finish because no card data ever enters the audio.
Every payment is logged with a full transaction record — who processed it, when, what policy it related to, and what the outcome was. If the FCA ever asks to see your payment handling records, you've got them. It's not a system you have to build; it's built into every Paytia transaction.
Insure & Go and All Clear Travel Insurance both use Paytia to handle claims and premium payments securely — keeping card data out of their contact centres and their call recordings fully compliant.
Secure payment solutions with custom workflows, bespoke data capture forms, centralised data storage, and cross-company workflow management for insurance claims, policy payments, and automated settlements
The policyholder keys in their card number during the call. Paytia validates it in real time — BIN checks, LUHN validation — and captures it within our PCI DSS Level 1 infrastructure.
For direct debit setups, Paytia captures bank account details securely during the call — sort code, account number — ready for premium collections or claims settlement.
Card and bank details are tokenised immediately. The tokens are tagged and stored GDPR-compliantly so they can be reused for future claims processing without re-capturing the data.
When a claim is assessed and approved, Paytia verifies the payment details with 3DS2 authentication and logs the full audit trail automatically.
Settlement payments go out to claimants using the tokenised bank details already on file. No need to re-collect sensitive information at the point of payout.
Every transaction is logged with a full audit trail — who authorised it, when, and what the outcome was. Compliance reporting is built in, not bolted on.
Insurance isn't one process — it's dozens. Claims teams work differently to renewals teams. Brokers work differently to direct writers. These capabilities exist because one-size payment workflows don't work in a multi-product, multi-entity environment.
Build payment flows that match how your claims or renewals teams actually work — not a generic process that everyone has to work around. Different products, different steps, all configured to your operation.
Collect exactly what you need at the point of payment. Policy numbers, claim references, cover types — the fields your agents need to complete the transaction in your systems, captured alongside the payment.
All payment activity stored in one place, searchable and reportable. When an auditor or regulator asks for records, you're not piecing together data from multiple systems.
If you operate across multiple brands, underwriters, or broker relationships, Paytia can handle payment flows for each entity separately within a single platform — no need to duplicate setups.
From premium collection to claims excess, Paytia covers every telephone payment scenario in insurance.
Monthly, quarterly, and annual premiums collected securely over the phone without card data exposure.
Policyholders pay excesses during claims calls securely, maintaining dignity during difficult moments.
Renewal payments processed instantly during retention calls. No separate payment steps required.
Additional premiums for policy changes collected in the same call as the amendment.
Two travel insurance specialists in the Paytia customer base — both taking high volumes of renewal and claims calls, both needing card data out of the call flow.
InsureandGo's contact centre handles thousands of travel policy calls a week — quotes, renewals, medical screening, amendments. Read how InsureandGo secured phone premium payments across its travel insurance contact centre without disrupting agent workflows or the underlying policy system.
AllClear specialises in travel cover for customers with pre-existing medical conditions — long calls, sensitive conversations, and agents who can't afford to break the flow to handle card details. See how AllClear Insurance kept agents on the phone with customers while taking payment without ever seeing a card number.
Specialised payment processing solutions covering every aspect of insurance operations
Agents process premium and excess payments while DTMF masking keeps card data out of the call audio, the recording, and your systems.
Learn more →Send a secure payment link by email or SMS for excess payments and claim settlements. Policyholders pay in their own time.
Learn more →Set up recurring premium collection from a single phone call. Card details are tokenised and payments run automatically on schedule.
Learn more →Field adjusters and mobile claims teams can trigger secure payments from anywhere — no office infrastructure needed.
Learn more →Meeting the highest security standards for insurance payment processing and data protection
Paytia holds PCI DSS Level 1 certification — the highest level. We're audited annually by a QSA, which means your insurance operation doesn't need to be.
Full UK and EU data protection compliance. Policyholder payment data is classified, handled, and stored according to GDPR requirements — your systems never hold it.
UK government-backed cyber security certification. We're assessed and certified annually — it's one more layer of assurance for your policyholders.
The highest level of PCI certification. Paytia is audited annually by a Qualified Security Assessor.
Meets Financial Conduct Authority requirements for consumer protection and payment security in insurance.
Full compliance with UK and EU data protection regulations. Policyholder payment data handled with strict privacy controls.
UK government-backed cyber security certification. Assessed and certified annually.
When a policyholder keys in their card number during a call, Paytia replaces the DTMF tones with flat audio in real time. The agent hears nothing identifiable and card data never enters your insurance environment.
Yes. Agents remain on the call throughout the entire payment process. They guide the policyholder through each step and see progress on screen, but cannot hear or see any card details.
Paytia integrates with all major policy management and CRM platforms. Agents access the payment portal from any web browser without leaving their existing workflow.
Paytia removes card data from your environment entirely, satisfying FCA consumer protection requirements alongside PCI DSS. Call recordings are automatically compliant with no pause/resume needed.
Paytia's 99.99% uptime SLA ensures the platform is available even during the busiest renewal and claims periods. Cloud-based infrastructure handles volume spikes without degradation.
Policyholders key in their card details using their phone keypad rather than reading them aloud. This maintains dignity during what is often a stressful claims experience, while keeping the payment fully secure.
Beyond payment card details, Paytia can securely capture bank account information for direct debits, sort codes, and other sensitive data needed for claims settlements and premium processing.
Join insurers like Insure & Go and All Clear Travel Insurance who use Paytia to protect policyholders, satisfy FCA requirements, and reduce PCI compliance costs.