Take secure phone payments through your Lloyds Cardnet merchant account with Paytia DTMF masking. PCI DSS Level 1, SAQ A scope, UK bank-owned acquiring, and no changes to your call recording workflow.
Paytia works for businesses switching to Lloyds Cardnet and for existing Cardnet customers adding secure phone payments on top.
Get the stability of UK bank-owned acquiring from Lloyds Cardnet plus secure phone payments from Paytia, live from day one with no separate PCI scoping exercise.
Keep your Lloyds Cardnet merchant account and add Paytia on top. Your processing, rates, and banking relationship stay exactly as they are — Paytia just makes the phone payments compliant.
PCI Scope Reduction
SAQ D to SAQ A
From SAQ D (329) to SAQ A (22 requirements)
Integration Time
2-4 days
API-based, no hardware
Card Data Exposure
Zero
never enters your environment
Cardnet's card machines and chip and PIN terminals for counter and table-side payments across the UK.
Cardnet's hosted payment page and gateway for website checkouts, subscriptions, and recurring billing.
Take phone payments on any device, secured by Paytia DTMF masking. Card data never enters your phone system.
Paytia connects to your Lloyds Cardnet merchant account through Cardnet's standard payment APIs. When a customer makes a phone payment, your agent initiates a secure session in Paytia, the customer enters their card details via keypad using 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 adds a secure layer 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.
When a customer presses a key on their phone, the tone (DTMF) is intercepted by Paytia and replaced with a flat audio tone in real time. The agent on the call hears nothing identifiable and card data never passes through your phone system, call recording, or agent's screen. The digits are captured securely and sent directly to Cardnet for processing.
No. Paytia's DTMF masking means call recordings are automatically PCI compliant — there are no card digits to redact, pause, or rewrite. This is a significant saving over pause-and-resume call recording solutions, which require ongoing maintenance and expose you to recording errors.
Integration typically takes 2-4 days. Paytia handles the Cardnet API connection, your portal configuration, and agent training. No new hardware is required — your agents access the payment interface through any web browser.
Yes. Paytia works across Cardnet's full product range, including phone-initiated payments that settle through the same Cardnet account as your face-to-face and online transactions. Recurring and card-on-file scenarios are supported.
Keep your Lloyds Cardnet account exactly as it is. Add secure phone payments, reduce your PCI scope, and go live in 2-4 days.
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