Channel Separation vs DTMF Suppression: Which Phone Payment Security Solution Fits Your Business? Your contact centre handles sensitive payments every day. The question isn't whether you need security, it's which approach actually protects your business without breaking customer experience. The Core Difference Channel Separation disconnects the audio path between your agent and customer during payment entry. The system plays instruction messages to each party separately, includes hold music and progress messages for the agent, and prevents bad actors from asking for card details to be repeated verbally. Ensures call recordings have no audio gaps. DTMF Suppression keeps your agent connected to the customer throughout the entire call while masking the audible keypad tones. Provides a more interactive customer experience where agents can answer questions and provide support during payment entry. When Channel Separation Wins Channel Separation excels when you need maximum security and complete call recording continuity. The solution: Prevents bad actors from asking for card details to be repeated verbally Ensures call recordings have no audio gaps (unlike pause/resume services) Provides built-in training so agents don't need additional training Delivers consistent audio messages across multiple offices Eliminates the risk of sensitive data being spoken aloud The technology disconnects the audio path during payment entry while maintaining professional hold music and progress messages for the agent. Best for: High-security environments, businesses requiring complete call recordings, multi-office operations, situations where verbal repetition of card details is a concern. When DTMF Suppression Wins DTMF Suppression works when you want to maintain agent interaction during payment entry. It's ideal for: Businesses that prefer a more interactive customer experience Situations where agents need to answer questions during payment Environments where maintaining conversation flow is important Businesses that want agent support while ensuring payment security The technology masks the keypad tones while keeping the agent connected, so customers can get help if needed while their card details remain private. Best for: Customer service calls, complex orders requiring agent guidance, businesses where maintaining conversation flow drives customer satisfaction. The Compliance Reality Both solutions dramatically reduce your PCI DSS scope. Channel Separation can reduce compliance requirements by up to 95% because sensitive data never touches your systems. DTMF Suppression achieves similar results by eliminating audio-based data exposure. The key difference: Channel Separation requires more process controls since agents remain involved, while DTMF Suppression creates a cleaner separation between your business and payment data. Customer Trust Factor Channel Separation builds trust through transparency. Customers know an agent is there to help, but they also see that their data is protected. It's the best of both worlds-human support with enterprise-grade security. DTMF Suppression builds trust through privacy. Customers appreciate that their card details can't be overheard, even in busy environments. It's perfect for customers who prefer self-service but want assurance their data is safe. Implementation Considerations Channel Separation requires less agent training on the new process, the technology handles most of the complexity, automatically guiding the agent and their customer through the payment flow. You'll need to ensure your telephony system supports DTMF key press generation. DTMF Suppression implements a Zero risk posture ensuring agents can never ask for card data to be read out. It also plays audio into call recording systems throughout the capture process, eliminating pause and resume call gaps. It delivers a quick roll out and easy to follow optimised instructions. The Bottom Line Choose Channel Separation when customer relationships drive your business. Choose DTMF Suppression when efficiency and privacy are your priorities. Both protect your business from compliance headaches and security risks-the question is which approach aligns with how your customers want to pay. The real win? Either solution eliminates the invoice chasing, reduces no-shows, and captures payments immediately while keeping your customers' trust intact. Ready to Secure Your Payment Processing? Paytia provides secure, PCI DSS compliant payment solutions that protect your business and customers. Learn how we can help you reduce compliance burden while improving security. Contact Us Book a Demo View Solutions →
