Modern MOTO Payments: Secure Guide | Paytia

The Payment Card Industry Security Standards Council (PCI SSC) is clear: mail order / telephone order (MOTO) payments remain in PCI DSS scope because card data is collected by staff. That means every phone-based order must be secured just as rigorously as e-commerce. When legacy systems expose PAN or CVV data to agents, recordings, or desktops, acquirers can demand immediate remediation.

Paytia’s Secure Virtual Terminal combines PCI Level 1 processing with controls that keep sensitive digits out of your infrastructure. Here is how the platform protects your contact centre while maintaining a simple experience for customers and agents.

Guide agents through compliant phone journeys

Paytia Telephone Payments use dual-tone multi-frequency (DTMF) masking so that keypad tones never reach the agent or call recording. Agents stay on the call, guiding customers while Paytia captures the card details directly into a PCI-certified environment. No desktop widgets, no audio gaps, and a documented chain of custody.

Authenticate links before payment

MOTO payments increasingly begin with a link sent via SMS or email. Paytia’s Advanced Payment Links introduce Secure Code verification-a second-factor code delivered through a trusted channel-that proves the link is genuine. Aligns with phishing guidance from the UK National Cyber Security Centre (NCSC) and reassures customers before they authorise payment.

Maintain auditable records for the PCI assessor

Because Paytia operates as the payment service provider, the system generates timestamped logs that confirm when card data was tokenised, which agent initiated the transaction, and which channel was used. Evidence shortens PCI assessments and supports acquiring bank attestations.

Where the benefits show up for your business

• Revenue continuity: Customers complete payments during the call, reducing invoice follow-up.
• Compliance confidence: Your PCI assessor sees a clear reduction in scope because card data never lands on agent devices.
• Customer trust - Secure Code and branded payment screens reassure customers that the request is legitimate.

When you are ready to modernise MOTO payments without rebuilding your telephony stack, book a consultation or speak with us today. We will map your existing processes and show how Paytia keeps every phone transaction compliant and effortless.