When the customer is ready to pay, we split the call into two channels. The agent's audio path goes off-line while the customer keys their card on their own phone, guided by voice prompts. The agent can't hear the digits, the recording stays clean, and the audio reconnects the moment the payment authorises. PCI DSS scope drops from SAQ D to SAQ A.
One keypress, then wait for the green light
Agent
On the call
Connected
Customer
On the call
Both parties talking, business as usual
Agent
Hold music
Audio split
Customer
Keys card on phone
Card data never reaches the agent or your systems
Agent
Back on the call
Connected
Customer
Payment confirmed
Conversation picks up where it left off
Two ways to do the same job. Both keep card data out of your business and drop you to SAQ A. The difference is what the agent does during card capture. See the full side-by-side.
Single channel. Agent stays on the line. Tones are suppressed in the live audio so the agent doesn't hear the digits.
Pick this if your agents handle complex calls and need to stay engaged through the payment step. Conversational throughout.
Read about DTMF Suppression →Two channels. Agent's audio goes off-line during capture. Voice prompts run the flow on the customer leg.
Pick this if your compliance team wants a hard physical separation for audit, or if you'd rather agents had no involvement in the capture step at all.
Voice prompts run the capture from start to finish. The agent presses one key and waits for the green light. Nothing to remember, nothing to fluff.
Hold music plays on the agent leg, voice prompts play on the customer leg, the recording keeps running. No silent gaps, no card data, nothing to redact later.
Because Paytia runs the capture, not the agent, every call goes the same way. New starters take payments on day one.
Office, home, hybrid — doesn't matter. There's no secure-room requirement and no per-seat hardware to ship.
Paytia carries the highest level of PCI certification, so your scope drops the moment you connect.
| Area | Without Paytia | With Paytia |
|---|---|---|
| Self-assessment | SAQ D (329 controls) | SAQ A (22 controls) |
| Network in scope | Most of your stack | None |
| Call recordings | Pause-and-resume or redact | No restrictions |
| Staff training | Mandatory and recurring | None required |
If you take card payments on a phone call, this fits. A few of the patterns we see most.
Agents take card payments mid-call without touching card data. No secure-room build-out, no scope creep onto the rest of the floor.
Take patient co-pays, balances, and payment plans on the call. Card data never enters the clinical system.
Capture donations and recurring gifts on fundraising calls. No pledged-but-unpaid follow-up cycle.
Take deposits and final payments at the point of booking or service completion, instead of invoicing and chasing.
When it's time to take payment, we physically separate the audio between agent and customer. The customer enters card details on their own keypad while voice prompts guide them. The agent hears hold music and a progress indicator on screen. When the payment authorises, the audio reconnects.
Both keep card data out of your business. The difference is in how. With DTMF Suppression the agent stays on the line throughout — tones are suppressed in the live audio so the agent doesn't hear digits. With Channel Separation the agent's audio path goes off-line completely during capture, and voice prompts run the flow. Pick Channel Separation if your compliance team wants a hard physical separation for audit, or if you don't want agents involved in the capture step at all.
Voice prompts handle the common cases — wrong number of digits, expired card, declined. If the customer needs human help, the agent can rejoin and either retry the capture or send a payment link instead. Most calls don't need it.
Card data never touches your network, your agents, or your recording. Most businesses move from SAQ D (329 controls) to SAQ A (22 controls). The recording system stops being in scope because there's no card data in it to begin with.
No. Agents press one key to start the capture and watch a progress indicator. There's no script and no procedure to remember. Roll-out is days.
Yes. It's built for card-not-present transactions over the phone — agent-assisted sales, mail-order, telephone-order, anywhere a customer reads card details over a call today.
We'll set up a demo against the same phone system and gateway you already run. Most businesses are taking live payments within a week.
Trusted by law firms, insurers, healthcare providers and regulated businesses worldwide. Learn more about Paytia
Other ways to take payments in this channel.
Also called DTMF masking. The customer types their card on their phone keypad. We suppress the tones in the live audio so the agent doesn't hear them and the recording stays clean.
Learn moreAutomated 24/7 phone payments — no agent on the line, no card data on your systems.
Learn moreTake secure card payments from any smartphone or tablet. No card reader, no app to ship.
Learn more