Secure phone payments for Lloyds Cardnet

Paytia connects to your Lloyds Cardnet merchant account through Cardnet's standard payment APIs. When a customer pays by phone, your agent starts a secure session, the customer keys their card with DTMF masking, and the transaction processes through your Cardnet account exactly as a regular payment would. You keep your Cardnet rates, statements and banking relationship.

No. Paytia sits on top of your existing Cardnet merchant account. Your processing rates, statement fees and contract terms with Lloyds are unchanged — you pay Paytia a separate subscription for the secure phone payment capability.

No. DTMF masking means there are no card digits in the recording to redact, pause or rewrite, so your recordings are automatically PCI compliant. That's usually where pause-and-resume approaches get expensive over time.

Card data never enters your environment, so the phone channel qualifies for SAQ A — 22 requirements instead of SAQ D's 329. You don't have to secure call recordings, agent workstations or your phone system against cardholder data.

Typically 2-4 days. Paytia handles the Cardnet API connection, your portal configuration and agent training. No new hardware — agents use any web browser.

Yes — we announced the partnership on paytia.com. Cardnet merchants asked for a way to take phone payments without dragging their whole environment into PCI scope, and this integration is the answer.