PayMobile + Mobile Payments

Mobile payments and PayMobile — secure tap-to-pay for contact centres

PayMobile is Paytia's tap-to-pay product for contact centres. Your agent stays on the call, the customer enters card digits on their own phone keypad, and DTMF masking keeps those digits out of the agent's headset, your screens, and your call recording. Card data routes straight to the payment gateway — never to your environment. PCI DSS Level 1 compliant throughout.
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PayMobile

PayMobile — tap-to-pay for contact centres

PayMobile is the tap-to-pay product purpose-built for contact-centre phone payments. The customer enters card digits on their own phone, DTMF masking takes the tones out of the audio path, and your agent stays on the call without ever handling the card. PCI DSS Level 1 compliance built in; white-label option if you want your own brand on the product.

No hardware

No card reader required

PayMobile runs in a mobile browser. Customers enter card details on their own phone keypad — your team needs nothing more than the device in their pocket.

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.

Key Features

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.

Offline-Ready Interface

Payment forms can be cached for display when connectivity is limited. Once the device reconnects, queued transactions are processed securely through Paytia's PCI DSS compliant infrastructure. Ideal for field service environments with patchy signal.

How It Works

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.

1

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.

2

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.

3

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.

4

Instant confirmation

Both customer and business receive instant confirmation. A secure token is returned for future reference, repeat payments, or recurring billing setup.

Use Cases

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 any iOS device into a payment terminal. Plumbers, electricians, and mobile technicians can take card payment the moment a job is done — no invoice, no card reader, no waiting.

  • •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
Security

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.

Related Solutions

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 more

Payment Links

Send secure payment links via email, SMS, or your website. Mobile-optimised by default for frictionless customer payment.

Learn more

Recurring Payments

Set up automated subscription billing from mobile devices. Tokenised card storage enables reliable recurring charges.

Learn more
FAQ

Frequently asked questions

Everything you need to know about mobile payments

What is PayMobile?
PayMobile is Paytia's tap-to-pay product for contact centres. It lets agents take a customer's card payment over the phone without ever hearing or seeing the card number — the customer enters the digits on their own keypad, the tones get masked, and the card data routes straight to the payment gateway. Card data never touches your agent's headset, your screens, or your call recording.
How does tap-to-pay work over the phone?
The customer types their card number on their phone keypad while still on the call with your agent. Paytia's DTMF masking technology silences or scrambles the keypad tones in real time, so the agent hears flat beeps instead of digits. The card data is captured securely, tokenised, and sent to your payment gateway — the agent stays on the line throughout but never handles the card information.
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 agent's device, 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 mobile devices does PayMobile support?
PayMobile is browser-based, so any smartphone or tablet with a modern browser works — iOS, Android, or otherwise. There's also a native iOS app for the Stripe variant if you'd rather have a dedicated terminal experience. Customers don't need anything special on their end — they use the keypad on whatever phone they're calling from.
How does PayMobile differ from regular mobile payment apps?
Regular mobile payment apps like Square or SumUp are built for in-person tap-to-pay where buyer and seller are face-to-face. PayMobile is built for the opposite — phone calls where the customer and agent are at opposite ends of the line. The technology that masks the keypad tones, keeps card data off the agent's environment, and removes the call recording from PCI scope is what regular apps don't do.
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

Start processing secure mobile payments with our PCI DSS compliant app. Available now for iOS devices with fingerprint and face ID authentication and direct Stripe integration. No card reader required.

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“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

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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

£40M+

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 more

MOTO Payments

Take Mail Order / Telephone Order payments without the card number reaching your agents, your recording, or your systems.

Learn more

Agent-Assisted Payments

Your agent stays on the live call while the customer keys their card. We mask the tones so no card data reaches the recording or the agent's audio.

Learn more