Run collections, renewals and reminders across every channel your customers actually use — and take the payment on the same call, text, or message. Card data flows straight to Paytia on a PCI DSS Level 1 path, so it never lands on your agents, your CRM, or your call recordings.
Outbound on every channel, payment capture on ours
When we say outbound payments, we mean four things bundled into one capability: voice collections calls where your agent takes the card without ever hearing the digits, SMS payment links sent through our Payment Links product, WhatsApp Business payment requests delivered over our web chat infrastructure, and scheduled email reminders and dunning from PayChase.
All four share the same backbone. Consent gets captured before anything goes out. The customer pays on the channel you contacted them on — no app to install, no portal to log into. And the card details travel on a separate path straight to Paytia, so your team, your tools, and your recordings stay out of PCI scope.
We don't operate the dialer for you. Voice dialing still happens through your own phone system — 3CX, Aircall, Gamma, or whichever platform your contact centre runs on. Paytia sits on the payment capture layer, which is the part that's hard to get right.
Pick whichever fits the conversation. Mix and match across the same customer — a call first, an SMS nudge the next day, an email reminder the week after.
Your agent places the call through whatever phone system you already use — 3CX, Aircall, Gamma, a CCaaS platform, it doesn't matter. When it's time to take the card, we step in and capture the payment directly from the customer's keypad. Your agent stays on the line, your agent never hears the digits.
Send a branded payment link by text. The customer taps, lands on a PCI DSS Level 1 page, and pays. This runs on our Payment Links product, so every send can carry a Paytia Secure Code so the recipient can tell the message is really from you before they hand over card details.
Same payment link model, delivered through WhatsApp Business. It runs on the same web-chat-payments infrastructure we use for live agent chat, so the experience reads like a real conversation and not a cold broadcast. Good fit for markets where SMS open rates are falling and WhatsApp is the default.
PayChase handles the scheduled side — reminder emails, dunning sequences, renewal chasers, and follow-up nudges. You set the cadence, we send from your domain with your branding, and every message carries a link that settles the balance in a minute.
Before anything goes out, we record the lawful basis for contacting that customer — the consent flag, the source, the date, and the channel they opted into. Nothing gets sent until that record's in place.
Your team queues up the outbound — a voice call through your own dialer, an SMS through our gateway, a WhatsApp message through the Business API, or a scheduled email. Paytia doesn't replace your phone system; we bolt on to it.
On a voice call the customer keys their card into their phone's keypad. On SMS, WhatsApp, or email they tap the link and pay on a branded PCI-compliant page. Either way, they don't bounce into a new app or portal.
We intercept the PAN and CVV before they can hit your systems. Your agents never see them, your CRM never stores them, your call recordings never capture them. That keeps your PCI scope small and your compliance cost down.
Outbound collections in the UK sit inside a fairly specific rulebook. PECR (the Privacy and Electronic Communications Regulations 2003) sets the bar for electronic marketing — you generally need prior consent for marketing calls, texts, and emails to individuals, and the ICO enforces it. We record consent at the point of capture and won't send without a valid record.
UK GDPR Article 6 covers the lawful basis for any processing tied to outbound contact — usually consent for marketing, legitimate interests or contractual necessity for collections and renewals. We surface the basis on every record so you can demonstrate it if the ICO ever asks.
Where you're chasing arrears from consumers, FCA Consumer Duty sets expectations around treating customers fairly, giving them time to respond, and not causing foreseeable harm. Our dunning cadences in PayChase are designed with that in mind — you set the intervals, we don't bombard.
Ofcom's rules on unwanted calls — silent and abandoned call limits, CLI presentation, the do-not-call obligations tied to TPS — apply to the dialer side. That's your phone system, not ours, but we'll work with your telephony team to make sure the payment capture step fits whatever policy you've set.
On top of all that, card data itself is handled under PCI DSS Level 1. The digits never land on your servers, so the scope of your own PCI assessment stays small.
Debt and accounts-receivable collections. The bread-and-butter use case. Your team works through an aged debtors list, calls go out through your own dialer, and when a customer agrees to pay you're ready with a PCI-safe capture path on the same call — or an SMS link if they'd rather pay after they've hung up. Recoveries go up when the friction disappears.
Subscription renewal chasing. Cards expire, payments fail, subscribers drift. PayChase runs the dunning sequence — a first reminder, a second, a final notice — with a one-click link in every message so renewing takes thirty seconds. We've seen involuntary churn drop by double digits on clean campaigns.
Missed-appointment deposit recovery. Dentists, consultants, trade services. When someone no-shows and you're owed a deposit under your terms, an SMS or WhatsApp payment link gets you paid faster than another phone call. The customer settles it in a minute, you move on.
Unpaid invoices in B2B. The email-and-chase cycle with a payment link baked into every reminder. Finance teams get visibility on what's been sent, what's been opened, and what's been paid — all without having to store a card on file or handle one over the phone.
Book a demo and we'll walk you through the voice, SMS, WhatsApp and email flows end to end. If you'd rather jump straight to the payment-capture side, take a look at payment links or telephone payments.