Mobile payments and PayMobile — a business line and card terminal in one app
What PayMobile does
Calls and card payments on one phone
PayMobile — take the call and the payment on one phone
It's built for small businesses, sole traders and field teams who sell over the phone and on the doorstep. On a call, the customer enters card digits on their own phone and DTMF masking takes the tones out of the audio, so you never handle the card. Face to face, they tap. PCI DSS Level 1 compliance is built in, and partners can white-label it under their own brand.
No hardware
No card reader required
PayMobile is an app on the phone you already carry. Customers key their card on a call or tap it in person, and Tap to Pay on iPhone replaces the card reader.
60 seconds
From call to confirmation
A typical PayMobile payment — customer keys in their card, payment processes through Stripe, confirmation appears on screen — takes under a minute.
Zero
Card data on your device
Card data routes directly to our processing infrastructure. It never touches your phone, your network, or your servers. Full PCI DSS Level 1 compliance from day one.
Mobile payment solutions for contact centres
Beyond PayMobile, the broader mobile-payment toolkit covers anything that lets a customer pay from their own device while keeping card data out of your environment — payment links, mobile-optimised forms, biometric authentication, tokenised repeat charges, and DTMF masking on the phone leg.
Mobile Web Interface
Responsive web-based payment interfaces optimised for mobile devices. Custom-branded for a consistent experience on any screen size with large buttons, clear status indicators, and intuitive navigation designed for one-handed use.
Biometric Authentication
Fingerprint and face ID authentication built into your customers' devices. Supported on iOS and Android, biometrics let customers authorise payments in seconds without typing passwords or PINs.
Tokenised Payments
Secure card tokenisation enables repeat payments without storing sensitive card data on the device. Tokens are processed securely through PCI-compliant infrastructure. Learn more about how tokenisation protects payment data.
PCI DSS Level 1 Compliant
Every mobile payment meets PCI DSS Level 1 standards. Card data never touches the handset, the mobile network, or your systems. It routes directly to the payment gateway, ensuring your business maintains the highest level of compliance.
DTMF Masking for Mobile Calls
When taking payments during mobile phone calls, DTMF masking ensures the agent never hears or sees card details. The customer enters their card number using the phone keypad, and tones are masked in real time. Full PCI DSS compliance without interrupting the conversation.
How mobile payments work with Paytia
Our mobile payment solutions work through secure payment forms and APIs that can be integrated into mobile apps or mobile-optimised websites. Card data never touches your device or servers.
Customer initiates payment
Customer opens your mobile app, mobile-optimised website, or the PayMobile app and selects the item or service they want to pay for.
Secure payment form loads
Paytia's PCI DSS compliant payment form loads within your app or website. Card data entry is fully encrypted and never touches your servers or device storage.
Payment processes securely
Payment is processed through Stripe's infrastructure with real-time fraud detection, 3D Secure authentication where required, and tokenisation of card data.
Instant confirmation
Both customer and business receive instant confirmation. A secure token is returned for future reference, repeat payments, or recurring billing setup.
How businesses use mobile payment solutions
Mobile payments are used across every industry where customers expect to pay from their phone or where businesses need to collect payment in the field.
Field Service Businesses
The PayMobile app for Stripe turns an iPhone or Android phone into a payment terminal. Plumbers, electricians and mobile technicians can take card payment the moment a job's done, with no invoice, no card reader and no waiting. On a compatible iPhone the customer can just tap their card.
- •Payment collected on-site at job completion
- •No card reader hardware required
- •Card data goes direct to Stripe, not your phone
Retail and E-commerce
Paytia's mobile payment forms let retail contact centres take card payments over the phone without storing card data. Customers call to order, enter card details via their keypad, and card tones are masked in real time — agents complete the sale without ever seeing card numbers.
- •No card data stored on agent screens
- •Reduces cart abandonment on mobile
- •Increases repeat purchases via tokenised cards
Healthcare and Wellness
Collect patient co-pays and appointment fees over the phone without your staff handling card details. Paytia's DTMF masking means patients read their card number out loud or enter it on the keypad — either way, your team never sees it.
- •Staff never see or hear card numbers
- •Pre-appointment payment collection by phone
- •Card data never enters your clinical systems
Charities and Fundraising
Paytia lets charity contact centres take one-off and recurring donations over the phone without handling card data. Supporters set up direct debits or repeat gifts via mobile payment links sent after the call — all PCI DSS compliant.
- •Phone donations without card data exposure
- •Recurring gift setup via mobile payment link
- •No PCI compliance burden on your team
PCI compliance and mobile payments
Security built for mobile environments. Every layer of protection ensures card data never touches your device or systems, maintaining full PCI DSS compliance.
Device Security
Advanced device fingerprinting and jailbreak detection prevent unauthorised access and fraudulent transactions. Real-time risk assessment evaluates device trustworthiness before processing payments.
Transaction Security
Full encryption protects payment data from device to processing, while advanced fraud detection algorithms analyse transaction patterns to prevent unauthorised payments.
DTMF Masking
When taking payments during mobile phone calls, DTMF masking ensures the agent never hears or sees card details. The customer enters their card number using the keypad and the tones are masked in real time.
Tokenisation
Card details are replaced with a unique token at the point of capture. Repeat charges use the token — original card data is never stored on your device or your systems.
PCI DSS Level 1
Paytia maintains the highest PCI certification level. Card data never touches your phone, your network, or your servers. Your PCI scope is dramatically reduced.
GDPR Compliant
Customer data is processed and stored in accordance with GDPR requirements. Data residency within UK/EU data centres. Customers can request data access or deletion at any time.
Explore related Paytia solutions
Telephone Payments
Accept secure card payments over the phone with PCI DSS compliant DTMF masking. Combine with mobile payments for complete coverage.
Learn morePayment Links
Send secure payment links via email, SMS, or your website. Mobile-optimised by default for frictionless customer payment.
Learn moreRecurring Payments
Set up automated subscription billing from mobile devices. Tokenised card storage enables reliable recurring charges.
Learn moreComparing approaches
For self-service mobile payments away from a phone call, the choice is usually a secure link versus a hosted checkout flow. Our piece on pay-by-link versus hosted checkout covers the trade-offs for mobile-first audiences — friction, branding, and where each approach earns its keep.
Want your own branded mobile app?
Beyond PayMobile, we can design and deliver a fully branded native iOS and Android app for your business — published in the App Store and Google Play under your own name. Every menu, screen, colour, and component is configured to match your identity. When payments are part of the picture, PCI DSS-compliant card capture is already built in.
Built and published for you
Paytia designs, builds, and submits the app to both stores on your behalf — store listings, assets, and ongoing releases included. You don't need your own app development team.
Configure menus without code
Switch any menu or sub-menu on or off, reorder it, and rename it from a central configuration panel. Contacts, keypad, voicemail, recording, payments — show only what your customers need.
Themed to your identity
Set every colour token and UI component — headers, buttons, toggles, checkboxes, date pickers — to match your brand exactly. Your colours, your layouts, your name in the stores.
Calls, voicemail, and more
The app can carry contacts, keypad dialling, call handling, voicemail, and call recording as standard features — all configurable on or off to suit your use case.
Payments when you need them
In-app card capture, payment forms, QR codes, card tokenisation for repeat charges, and full payment history are all optional add-ons — PCI DSS-compliant and ready when your business needs them.
One platform underneath
Your branded app connects to the Paytia SecureFlow platform — the same platform behind your phone payments, payment links, and web checkout. One account, everything in sync.
One app for the whole conversation
PayMobile turns a phone into both a business line and a payment terminal. Staff take a call on a dedicated business number and collect payment without switching device — on the call, or contactless in person.
Business telephony
- A dedicated business number, so personal mobiles stay private
- Business caller ID on outbound calls
- Visual voicemail — see who called and when
- Return a call in one tap
Payment on the live call
- Start a payment from inside the call
- The customer keys their own card
- Details are never shared with the person on the phone
- No transfer and no callback needed
Tap to Pay on iPhone
- Contactless cards and mobile wallets
- No card reader hardware to buy or deploy
- Hold-card or phone-to-phone
- PIN entry above the contactless limit
Records and repeat payments
- Payment forms and QR codes
- Immediate and recurring charges
- Receipts and full payment history
- Card tokenisation and re-use
For partners
PayMobile can be white-labelled end to end and configured per merchant. You keep the merchant relationship and add a recurring payments line alongside telephony; Paytia runs and certifies the platform underneath. Available on iOS and Android, with Tap to Pay on compatible iPhones.
Frequently asked questions
Everything you need to know about mobile payments
What is PayMobile?+
PayMobile is our app for iPhone and Android. It gives you a separate business number on the phone you already carry, with caller ID and voicemail, and it takes card payments through your Stripe account. You can take a payment during a live call, where the customer keys their card on their own phone and you never hear the digits, or in person with Tap to Pay on a compatible iPhone. It's free to download.
How does PayMobile take a payment on a live call?+
You start the payment from inside the call. The customer types their card number on their own phone keypad, and our DTMF masking takes the keypad tones out of the audio in real time, so you hear flat beeps instead of digits. The card data is captured on our PCI DSS Level 1 platform and goes straight to Stripe. You stay on the line the whole time, with no transfer and no callback.
Is PayMobile PCI compliant?+
Yes. PayMobile runs inside Paytia's PCI DSS Level 1 environment — the highest tier of PCI compliance. Card data never lands on your phone, your network, your call recording or your CRM. That keeps your business at SAQ A scope rather than SAQ D, which cuts audit time and compliance overhead substantially.
Which phones does PayMobile work on?+
PayMobile is a native app for iPhone and Android. Tap to Pay, where the customer taps a contactless card or phone against yours, needs a compatible iPhone. Your customers don't need anything special. On a call they use the keypad on whatever phone they're calling from.
How does PayMobile differ from regular mobile payment apps?+
Apps like Square or SumUp are built for the face-to-face sale. PayMobile does that too with Tap to Pay on iPhone, but it also handles the sale that happens on a phone call, which those apps can't do safely. It gives you a business number, masks the keypad tones so you never hear the card, and keeps the card data out of your call recording and off your phone.
What are mobile payment solutions for contact centres?+
Mobile payment solutions for contact centres are the tools that let agents take a card payment from a customer who's calling in or being called — without putting card data through the agent's environment. The category covers DTMF masking on phone calls, mobile-optimised payment forms, secure payment links sent by SMS, and tap-to-pay products like PayMobile. The unifying idea: the customer enters card details on their own device, and the data routes straight to the gateway.
How do mobile payments protect card data from agents?+
Two main mechanisms. DTMF masking intercepts the keypad tones in real time so agents hear no digits and call recordings capture no card data. Tokenisation replaces the card number with a non-sensitive stand-in immediately after capture, so anything stored downstream — CRM record, transaction history — has the token, not the card. Combined, they keep card data out of agents' earshot, your screens, your audio recordings, and your back-office systems.
Can mobile payments work with my existing telephony provider?+
Yes. Paytia integrates with most contact-centre telephony stacks — Avaya, Genesys, Aircall, RingCentral, 8x8, Twilio, and a long list of others. The integration sits in the audio path or at the SIP layer, depending on how your platform is set up. We confirm compatibility upfront on a discovery call and tell you exactly how it'd plug in.
What's the difference between mobile payments and IVR payments?+
IVR payments are self-service — the customer dials in, navigates a menu, and pays without an agent on the line. Mobile payments in the contact-centre sense keep the agent on the call throughout, so they can answer questions, walk the customer through, and confirm the transaction live. IVR is best for high-volume, low-complexity payments like utility bills and subscriptions. Mobile-with-agent is better for the calls where the customer needs help.
How do mobile payments compare to web chat payments?+
Mobile payments capture cards during phone calls; web chat payments capture cards inside a chat conversation on your website. The technology underneath is similar — secure capture page, tokenisation, gateway routing — but the customer experience differs. Use mobile payments when the customer is on the phone; use web chat payments when they're already on your site interacting via chat. Many contact centres run both side by side.
Download our mobile payment app today
PayMobile for Stripe is free to download. Connect your Stripe account, pick your business number and you're ready to take payments. No card reader required.
“Paytia turned a security exposure and reputational risk into an opportunity. Fundraising has never been more important and Paytia has helped us achieve our goals.”
Trinity Hall College
Cambridge University
Read the case study →Used by British American Tobacco · Howard Kennedy · CITB · Clinical Partners · Trinity Hall College
Since 2016
Building secure payments
PCI DSS Level 1
Highest certification
99.99%
Platform uptime
£400M+
Transactions processed
Related solutions
Other ways to take payments in this channel.
DTMF Masking
Also called DTMF suppression. The customer types their card on their phone keypad. We mask the tones in the live audio so the agent doesn't hear them and the recording stays clean.
Learn moreMOTO Payments
Take Mail Order / Telephone Order payments without the card number reaching your agents, your recording, or your systems.
Learn moreSecure Virtual Terminal
The browser payment screen your agents use, without the card entry. They start the payment, the customer keys their own card, and your scope stays at SAQ A.
Learn more