How to Secure Phone Payments Without Exposing Card Details

Customers expect to pay while they are speaking with your team. Yet the Financial Conduct Authority (FCA) warns that businesses must protect personal data at every touchpoint. If agents can overhear or write down card numbers, you fall straight into PCI DSS scope.

Mask keypad tones with DTMF suppression

Paytia Telephone Payments intercept the dual-tone multi-frequency (DTMF) signals customers send from their phones. The tones are replaced with flat audio while the real digits travel securely to Paytia’s PCI-certified platform. Agents stay on the line, maintaining support without ever hearing a card number.

Guide complex payments with Channel Separation

Channel Separation scripts provide narrated instructions to both agent and customer, preventing social engineering attempts where a fraudster might ask for card details to be repeated. Aligns with guidance from the UK National Cyber Security Centre (NCSC) about keeping sensitive information out of untrusted channels.

Close the loop with secure payment links

When a payment cannot be completed during the call, Paytia’s Advanced Payment Links add Secure Code verification and time-limited URLs. Customers confirm the code, open a branded payment page, and complete the transaction without exposing card data to email inboxes or chat logs.

By consolidating these controls, you remove card data from the agent environment, shorten PCI questionnaires, and leave customers feeling protected. Talk to our specialists or ask for a guided walkthrough to see secure phone payments in action.