The customer types their card on their phone keypad while the agent stays on the line. We suppress the DTMF tones in real time, so the agent hears nothing identifiable, the recording stays clean, and the card data goes straight to Paytia. Some people call it DTMF masking — same product, different name. We've been doing it since 2016. PCI scope drops from SAQ D to SAQ A.
Stay on the call. Wait for the green light.
Keys the card on their own phone
Real DTMF tones generated
Real tones
Captures the real tones, suppresses them, sends the card to your gateway
Card data stays here — never reaches you
Suppressed tones
Stays on the line, hears flat tones, picks up afterwards
No access to card data
Keys the card on their own phone
Captures the real tones, suppresses them, sends the card to your gateway
Stays on the line, hears flat tones, picks up afterwards
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.
Two channels. Agent's audio goes off-line during capture. Voice prompts run the flow on the customer leg.
Pick this ifyour compliance team wants a hard physical separation for audit, or if you'd rather agents had no involvement in the capture step at all.
Read about Channel Separation →“Paytia turned a security exposure and reputational risk into a value-enhancing opportunity. Fundraising has never been more important and Paytia has helped us achieve our goals.”
Trinity Hall College
Cambridge University
Trusted by British American Tobacco · Howard Kennedy · CITB · Clinical Partners · Trinity Hall College
The conversation doesn't break. Your agent can talk the customer through the capture, answer questions, and pick up the call as soon as the payment authorises.
We suppress the tones before they hit the recording layer, so there's no card data in the audio. No pause-and-resume, no redaction, no compliance exposure when a recording is pulled from archive.
Any modern telephony — Genesys, Five9, Amazon Connect, NICE, 8x8, Talkdesk, RingCentral, 3CX, or a plain SIP trunk. , no per-seat hardware.
Agents press one key to start a capture and watch a progress indicator. There's no script and no procedure to learn. Roll-out is days.
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 and want the agent engaged through the payment step, this fits.
Agents stay engaged through the payment step — useful for upsell, retention, or any conversation where the call doesn't naturally pause.
See contact centre PCI compliance →
Premiums, excesses, repayments, top-ups — taken on the phone with the agent still able to talk the customer through.
High-volume bill payments and recurring set-ups where the agent needs to confirm the account, the amount, and the schedule on the same call.
Donations and recurring gifts captured live during fundraising calls without the donor reading their card aloud.
When the customer types card details on their phone keypad, every keypress generates a DTMF tone in the audio. DTMF Suppression replaces those tones with a flat sound in real time, before they reach your agent or your call recording. The card data goes straight from the customer's handset to Paytia and on to your payment gateway. Some people call it DTMF masking — same product, different name.
Both keep card data out of your business and drop you to SAQ A. The difference is what the agent does. With DTMF Suppression the agent stays on the live audio throughout — they can talk the customer through the capture and pick up the conversation immediately afterwards. With Channel Separation the agent's audio path goes off-line during capture and voice prompts run the flow. Pick DTMF Suppression if you want the agent engaged through the payment step.
Yes — modern CCaaS platforms (Genesys, Five9, Amazon Connect, NICE CXone, 8x8, RingCentral, Talkdesk), traditional PBX, and plain SIP/VoIP trunks. Integration is via API or SIP. Most setups are live within a week.
Card data never enters your network, your agents, or your call 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. The agent enters the amount and presses one key to start the capture, then watches a progress indicator on screen. There's no script and no procedure to remember.
Yes. It's built for card-not-present transactions over the phone — agent-assisted sales, mail-order, telephone-order, anywhere a customer would otherwise read card details over a call.
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.
Two-channel approach. The customer's audio is split from the agent's during card capture so the digits never share the line.
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