PCI DSS Level 1 Certified

Secure payments for utility providers

Energy, water, and telecoms providers collect payments securely by phone. Automated payment chase reduces overdue accounts without manual intervention.

The payment challenges facing utilities

High call volumes, overdue accounts, and strict regulators make utility payments uniquely demanding.

High Call Volume Billing

Millions of customers call to pay bills, query balances, and set up payment plans. Agents handling card data at this scale creates an enormous compliance surface area.

Payment Default Rates

Overdue accounts drain revenue and increase operational costs. Chasing payments manually is expensive, slow, and often ineffective at reducing arrears.

Recurring Collection Complexity

Setting up and managing recurring payments by phone is cumbersome. Failed payments, card expiry, and customer disputes create a constant administrative burden.

Regulatory Compliance

Ofgem, Ofwat, and Ofcom impose strict rules on billing practices and customer data handling. Payment processes must satisfy both industry regulators and PCI DSS requirements.

Purpose-built for utility providers

Every feature designed to solve real payment challenges for energy, water, and telecoms providers.

DTMF Masking Technology

DTMF masking lets customers key in card details during the call while agents hear only flat tones. Card data never enters your billing environment.

Automated Payment Chase

Send automated payment reminders and secure payment links to overdue accounts. Customers pay directly from the reminder — no inbound call required, no agent time wasted on outbound collection.

Recurring Payment Setup

Customers set up recurring card payments securely during a single phone call. Tokenised card storage means future payments process automatically without re-entering details.

IVR Self-Service Payments

Customers pay bills 24/7 through a secure IVR system without speaking to an agent. DTMF masking protects card data even in fully automated payment flows.

Multi-Channel Collection

Collect payments by phone, IVR, payment link, or online portal. Give customers the channel they prefer while maintaining consistent PCI compliance across all of them.

How utility providers use Paytia

Bill Payments by Phone

Customers call to pay energy, water, or telecoms bills and key in their card details securely. Agents guide the call without ever accessing card data.

Overdue Account Recovery

Automated payment chase sends reminders with secure payment links to customers in arrears. Reduce overdue balances without dedicating agents to outbound collection.

24/7 IVR Bill Pay

Customers pay their bills at any time through a secure IVR system. DTMF masking protects card data even without an agent on the line.

Benefits for utility providers

Arrears come down

Automated chase with embedded payment links converts more overdue accounts than manual outbound calling — and does it without touching your billing team's time.

Cost-per-payment falls

Self-service IVR, automated reminders, and recurring collections all reduce agent involvement. That means lower cost for every pound collected.

Customers get flexibility

Some customers pay by phone; others prefer a link in their bill email; others use IVR at midnight. Paytia covers all of them with consistent security.

PCI audit becomes straightforward

Card data never enters your billing environment. Your PCI scope shrinks dramatically, and the evidence to support that is logged automatically.

Peak billing is handled

Cloud infrastructure means no capacity planning before quarterly billing runs or seasonal demand spikes. The platform scales; your team doesn't have to.

Reporting that answers real questions

Real-time dashboards show collection rates, channel performance, and overdue trends — the data your operations and finance teams actually need.

Compliance and certifications

PCI DSS Level 1

Highest PCI certification. Audited annually by a Qualified Security Assessor.

Ofgem / Ofwat / Ofcom

Works alongside industry regulator requirements for billing and data handling.

GDPR

Full UK and EU data protection compliance for customer payment data.

Cyber Essentials Plus

UK government-backed certification for cyber security best practices.

Common questions from utility providers

Does Paytia work alongside Ofgem and Ofwat requirements?+

Yes. Paytia handles the payment security layer and works alongside your existing billing and data handling obligations under Ofgem, Ofwat, and Ofcom regulations.

How does automated payment chase work?+

Paytia sends scheduled reminders with secure payment links to overdue accounts. Customers pay directly from the reminder without needing to call in, reducing arrears and inbound call volumes.

Can customers set up recurring payments by phone?+

Yes. During a single phone call, customers can securely set up recurring card payments. Tokenised storage means future payments process automatically without re-entering card details.

Is the IVR payment system PCI compliant?+

Yes. DTMF masking protects card data in both agent-assisted and fully automated IVR payment flows. The same Level 1 PCI DSS compliance applies across all channels.

How does Paytia handle high call volumes?+

Paytia is cloud-based and scales automatically. There are no capacity limits and no performance degradation during peak billing periods.

Frequently asked questions

Can customers top up pre-paid energy or water meters by phone?

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Yes. Pre-paid top-ups are one of the highest-volume utility use cases — customers ring in, key their card into their own keypad, and the top-up posts to their meter through your billing platform. Agents stay on the line throughout but never hear the digits, which matters when you're running peak winter call volumes with temporary staff. The 24/7 IVR option means customers can also top up at midnight without an agent involved. See IVR payments.

How does Paytia handle vulnerable customers on the Priority Services Register?

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PSR-flagged customers often need a slower, more supported call. Because card data never reaches the agent, there's no compliance reason to rush them off the line — you can take as long as the conversation needs. The platform doesn't change the conversation; it just handles the payment securely once the customer is ready. Recurring payment setup during the same call also reduces how often vulnerable customers have to repeat the process. See recurring payments.

Does Paytia integrate with SAP IS-U, Oracle CC&B, or Gentrack?

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Paytia sits in front of your billing platform rather than inside it. Agents work in IS-U, CC&B, Gentrack, or whatever CIS you run, and the Paytia portal is a separate tab that posts the payment outcome and reference back into the billing record. There's no platform integration project to wait for — most utilities are live in two to four weeks. We've done this with Junifer, Kraken, and several in-house CIS deployments too. See telephone payments.

Can we use it for arrears repayment plans?

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Yes — arrears recovery is one of the strongest ROI cases. The agent agrees a repayment schedule with the customer during a single call; the card is captured securely; and tokenised payments then run on the agreed dates without anyone having to chase. Failed payments trigger automated reminders with embedded payment links. Compared to manual outbound calling, customers self-cure on far higher volumes. See payment links for the reminder side.

How does it cope with quarterly billing peaks?

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The platform is cloud-hosted with no per-seat licensing and no capacity planning. When your bills go out and call volumes triple overnight, the platform handles it — and so do your agents, because there's nothing for them to install or learn beyond what they're already doing. Multi-channel collection through phone, IVR, and payment links also takes pressure off the contact centre during the peak. Take a look at the product tour.

Ready to secure payments for your utility?

See Paytia in action. Book a personalised demo with our team.