How Paytia’s Telephony Services Enable Secure and Compliant Phone Payments

As a trusted business providing services to customers, securing customer payment details during telephone transactions is critical. Paytia’s secure payment solutions ensure that businesses can process phone payments without ever seeing or hearing sensitive card or bank details. To achieve this, business telephone calls must be routed through Paytia’s telephony service. This allows the platform to detect when the business user dials 7-2-9 on their handset, initiating the secure payment process.

This article explores how Paytia enables this functionality through various telephony integration methods and the unique benefits each approach offers to businesses.

Why Is Call Routing to Paytia Necessary?

Paytia acts as an intermediary in the payment process, ensuring compliance with PCI-DSS Level 1 security standards. By routing telephone calls through Paytia, businesses benefit from:

• Complete protection of customer payment data – no card details are seen or heard by staff.

• Compliance with payment security regulations – reducing the compliance burden for businesses.

• Seamless customer experience – allowing secure payments during calls without disruptions.

Telephony Integration Options: Connecting to Paytia

Businesses can route calls into Paytia using five primary methods:

1. Digital SIP Interconnectivity

This method involves integrating Paytia with a business’s telephony carrier or private branch exchange (PBX) system via Session Initiation Protocol (SIP).

How It Works

• SIP is a digital service that connects Paytia’s service IP address to a remote system’s published DNS name or IP address.

• Paytia connects directly to the telephony service provider that supplies business phone numbers.

• Calls are automatically routed through Paytia’s secure telephony network.

• When an agent presses 7-2-9, the system detects the input and activates Paytia’s Agent Capture Assist or IVR-assisted payment process.

Key Benefits

✔ No changes to business phone numbers – Businesses can continue using their existing inbound and outbound numbers.
✔ Seamless agent experience – Payments can be taken without interrupting customer conversations.
✔ Scalability – Ideal for businesses with large contact centres or multiple locations.

This option is best suited for businesses with an enterprise-level telephony system that requires direct integration.

2. Call Forwarding to a Paytia Geographic Number

For businesses that do not have direct SIP connectivity, an alternative is to divert or place calls to a Paytia-assigned geographic number, which then forwards the call to its intended destination.

How It Works

• The business assigns a Paytia geographic phone number as the primary inbound payment line.

• When a customer calls, the call first reaches Paytia, which then forwards it to the business’s normal telephony service or a mobile device.

• Paytia remains active in the call, allowing for secure payment capture when 7-2-9 is entered.

Key Benefits

✔ Quick and easy setup – No need for complex integrations or SIP trunk configurations.
✔ Works with any phone system – Suitable for businesses using landlines, VoIP, or mobile phones.
✔ Cost-effective – No need for expensive infrastructure upgrades.

⚠ Note: Call forwarding places a chargeable phone call to a second external telephone number, which may incur additional telephony costs.

This method is ideal for small businesses, mobile operators, or those using third-party call-handling services.

3. SIP Call Forwarding to an External Business Line

This hybrid approach allows businesses to forward calls to a Paytia SIP-enabled phone number, which then securely relays the call to an external phone line.

How It Works

• A customer calls the business’s main number.

• The call is redirected to a Paytia SIP-enabled number, ensuring secure handling.

• Paytia then forwards the call back to an external business number, such as a mobile phone, call centre, or VoIP service.

Key Benefits

✔ Secure payments from anywhere – Agents can take secure phone payments on mobile or remote devices.
✔ Supports hybrid working models – Perfect for businesses with remote or distributed teams.
✔ Advanced fraud prevention – Ensures compliance, even when using external numbers.

This is particularly beneficial for businesses that require flexibility in handling phone payments but still want to ensure PCI-DSS compliance.

4. Conference Call Payment Capture

For businesses using PABX phone systems, Paytia offers a conference call payment solution. This allows the agent to create a three-way call between the customer and Paytia.

How It Works

• The business agent places the customer on hold and dials Paytia.

• Once Paytia answers, the agent initiates a conference call between all three parties.

• The customer enters their card details using DTMF tones, which are securely captured by Paytia.

• Once the payment is complete, the agent can resume the conversation.

Key Benefits

✔ Works with most PABX phone services – As conference calling is a standard feature, this method is widely compatible.
✔ Minimal disruption – Paytia is only involved during the payment process.
✔ No additional infrastructure required – No need for SIP trunks or call forwarding.

This method is best suited for businesses that want a simple, low-cost payment capture process without changing their existing phone system.

5. Bespoke SIP Calling Solutions

For network telephony operators and core voice platform providers, Paytia offers fully custom SIP-based solutions.

How It Works

• Paytia works with the telephony provider to build a tailored SIP integration.

• Calls are securely processed through Paytia’s PCI-DSS Level 1 compliant system.

• Advanced fraud prevention, call routing, and reporting features can be customised.

Key Benefits

✔ Fully tailored – Built to match the operator’s existing technology and infrastructure.
✔ Deep integration – Ensures seamless and efficient payment processing within the provider’s ecosystem.
✔ Scalability – Designed to handle high call volumes and multiple clients.

This option is ideal for telecommunications companies and enterprise telephony providers that require bespoke payment solutions.

Which Telephony Integration Is Best for Your Business?

Each method offers unique benefits, allowing businesses of all sizes to implement secure, PCI-DSS compliant phone payment solutions. By leveraging digital SIP connectivity, call forwarding, conference calling, or bespoke SIP integrations, businesses can ensure they never see or hear sensitive card data, protecting both their customers and their operations.