Paytia
Secure Phone Payments

Channel SeparationSecure Phone Payments

Real-time payments without risk. Channel Separation lets your business take secure payments while the customer is still on the call. Instead of asking them to read out their card details, they simply use their phone keypad.

95% PCI Reduction
Real-time Payments
No Training Required
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Secure Call Payment

Agent • Customer • Secure

Call StatusConnected
Payment ModeSecure Channel
PCI Compliance95% Reduced

Business Benefits

Channel Separation delivers immediate business value by eliminating the hidden costs of insecure phone payments while capturing more revenue through improved customer experience.

Every time a customer hesitates to give card details over the phone, you lose revenue. Every time an agent has to pause call recording or move to a "secure room," you lose efficiency. Every time you chase invoices because you couldn't take payment during the call, you lose cash flow. Channel Separation eliminates all three problems simultaneously.

Immediate Payment Capture

No more waiting for invoices to be paid. Customers pay during the call, improving your cash flow and reducing administrative overhead. Eliminate the risk of unpaid bookings and cancellations.

95% PCI Compliance Reduction

Reduce your PCI DSS compliance requirements by up to 95% because sensitive data never touches your systems. Eliminate the need for secure rooms, call recording pauses, and complex staff controls.

Complete Call Recording Continuity

Ensure call recordings have no audio gaps while preventing bad actors from asking for card details to be repeated verbally. Professional hold music and progress messages maintain recording quality.

Zero Training Required

Built-in system training through consistent audio messages means no agent training required. Guarantees a professional process every time with no gaps in conversation or recordings.

How It Works

How Channel Separation Works

Zero trust built in for customer and business protection with advanced audio separation technology.

Channel Separation Technology Flow

Secure Payment Processing with Channel SeparationAgentCall Leg 1Phone SystemCustomerCall Leg 2Phone/DevicePaytia PlatformSecure Payment ProcessingChannel SeparationAudio InstructionsDTMF CaptureNormal Call Audio(Agent ↔ Customer)⚠️ NEVER ask for card details verballyTransition to secure mode insteadAUDIOSEPARATEDSecure ModeSecure ModeStep 1: Audio SeparationDirect call audio is BROKENBoth parties connect to PaytiaStep 2: Payment CaptureCustomer enters card detailsvia keypad, guided by PaytiaStep 3: Audio ReconnectionDirect call audio RESTOREDNormal conversation resumes

Channel Separation physically separates the direct audio connection between agent and customer during payment processing, ensuring no card data can be compromised, accidentally or on purpose. In secure mode both parties are guided through the payment process while keeping sensitive card data completely isolated from your systems and staff.

1

Call Audio Separation

When it's time to exchange payment details, the call audio between agent and customer is separated for maximum security.

2

Secure Keypad Entry

Customers enter card details securely using their keypad while a Paytia voice assistant guides both parties through the process.

3

Agent Remains Connected

Agents never see or hear sensitive data but remain connected to the overall call, ensuring security without disrupting service quality.

Key Features

No Training Required – Consistent and Simple Every Time

Other methods, like pausing call recordings or DTMF masking, rely on staff remembering extra steps. Channel Separation removes that risk.

Optimized Instructions

The Paytia voice assistant provides optimized instructions to both customer and agent during every payment.

No Gaps in Conversation

Comfort messages keep the agent and the call recording active, so there are no silent gaps or confusion.

No Card Details Spoken

No chance of card details being spoken aloud. Customers enjoy privacy while agents focus on customer support.

Consistent Process

A consistent, professional process every time with no gaps in conversation or recordings.

Agent Focus on Support

Agents can focus on customer support, not security procedures, while maintaining full call control.

Zero Training Required

No training required – the system handles everything automatically with optimized instructions for both parties.

Customer Privacy

Customers enjoy privacy while agents remain connected to provide support throughout the entire process.

Payment Confirmation

Multiple confirmation options including voice, email, and SMS notifications.

Seamless Integrations

Connect with CRM, ERP, billing systems, and payment processors for streamlined operations.

PCI DSS Compliance

Simplify PCI DSS Compliance

Reduce compliance scope and complexity with our secure architecture that eliminates card data from your environment.

PCI DSS Level 1

PCI DSS Level 1

Our solutions are built on infrastructure that meets the highest level of PCI compliance standards, ensuring maximum security for your customers' payment data.

Reduce compliance scope to SAQ A

Eliminate card data from your environment

Reduce compliance audit costs by up to 80%

Simplified annual assessment process

Compliance Comparison

RequirementWithout PaytiaWith Paytia IVR
PCI Self-AssessmentSAQ D (329 questions)SAQ A (22 questions)
Network SecurityExtensive RequirementsMinimal Requirements
Call Recording RestrictionsComplex & RiskyNo Restrictions
Staff Training RequirementsExtensiveMinimal

Frequently Asked Questions

Common questions about our Channel Separation solutions

What is Channel Separation?

Channel separation - when an agent dials the telephone keypad keys 7 2 9, Paytia separates the call audio, and plays instruction messages to the customer and agent separately, at the same time. The agent is guided through service setup and the customer is guided through transaction confirmation, followed by secure card capture. Once capture is completed the transaction is processed and the secure audio mode is exited. The agent and the customer then complete the call together.

Channel Separation is a Paytia secure payment technology that disconnects the audio path between agent and customer during payment entry. Customers enter card details using their phone keypad while the system plays instruction messages to each party separately. This prevents bad actors from asking for card details to be repeated verbally and ensures call recordings have no audio gaps.
When it's time to exchange payment details, the call audio between agent and customer is completely disconnected. Customers enter card details securely using their keypad while the system plays instruction messages to each party separately. The agent hears hold music and progress messages, ensuring call recordings have no audio gaps while preventing any possibility of sensitive data being spoken aloud.
No, agents cannot help customers during the payment process as the audio path is disconnected. However, the system provides built-in training through consistent audio messages to both parties, ensuring a professional process every time. The agent hears hold music and progress messages, while the customer receives clear instructions for entering their card details securely.
Because sensitive card data never touches your systems, staff, or processes, your PCI DSS compliance requirements are reduced by up to 95%. This eliminates the need for secure 'clean room' environments, pausing call recordings, or extra controls for remote workers.
No training is required. The Paytia voice assistant provides consistent, optimized instructions to both customer and agent during every payment. This guarantees a professional process every time with no gaps in conversation or recordings, and no chance of card details being spoken aloud.
Yes, agents can confirm orders and discuss add-ons before the payment process begins. Once payment entry starts, the audio path is disconnected, but the agent can continue the conversation after payment is complete. This allows you to capture sales opportunities while maintaining the highest security standards during payment processing.
Channel Separation can typically be implemented within 1 day to 1 week, depending on your existing telephony setup and integration requirements. Our team handles the technical implementation while providing comprehensive testing to ensure seamless operation.
Channel Separation is ideal for any business taking phone payments including retail, healthcare, education, charities, contact centers, and service providers. It's particularly beneficial for organizations that want to eliminate invoice chasing, reduce no-shows, and capture immediate payments while maintaining customer trust.
PCI compliance costs are unpredictable and keep changing. With Channel Separation, you get a fixed, budgetable cost with Paytia versus the unknown cost of trying to meet constantly changing card security compliance requirements. You eliminate the need for secure rooms, call recording pauses, and complex staff controls that drive up your operational costs.
With the amount of fraud and scams happening, no one likes to risk reading out card details. Customers worry about who might be listening, whether the call is secure, and if their information will be compromised. Channel Separation eliminates these concerns by ensuring sensitive data is never spoken aloud and cannot be overheard by anyone.
Without proper phone payment security, you face increasing compliance costs, customer trust issues, and operational inefficiencies. Every year, PCI requirements become more complex and expensive to meet. Every customer who hesitates to pay over the phone represents lost revenue. Every agent who has to pause recordings or move to secure rooms represents lost efficiency.
When card data never touches your systems, you eliminate entire categories of security controls, monitoring, and compliance overhead. No more secure room requirements, no call recording pauses, no complex staff training on data handling, no background checks for payment access, no audit trails for card data access, and no risk of accidental data exposure. Your business becomes simpler, more efficient, and more focused on serving customers rather than managing security theater.
Staff can work from anywhere without creating compliance risks. No more complex procedures for handling sensitive data, no secure room protocols, no special training requirements, and no fear of accidentally exposing card information. Your team can focus on customer service and sales rather than security compliance. Processes become streamlined and natural rather than constrained by security requirements.
You eliminate the need for secure payment terminals, encrypted storage systems, complex access controls, and specialized security monitoring. No more secure network segments, no data loss prevention systems for card data, no encryption key management, and no specialized audit logging. Your technology stack becomes simpler, more cost-effective, and easier to maintain while actually being more secure.

Ready to Transform Your Phone Payments?

Join hundreds of organizations that have simplified compliance, reduced costs, and improved security with Paytia's Channel Separation solutions.

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