We give you a mobile-first, PCI DSS Level 1 secure way for customers to settle up before they walk in — by card or ACH bank payment — so transactions are done in seconds and nobody waits at the counter. Payment links, invoicing, a virtual terminal, and online processing all from one account.
Card + ACH
Both rails, one account
4 ways
Terminal · link · invoice · QR
SAQ A
PCI scope outcome
Level 1
PCI DSS certified
The idea is simple: customers pay on their own phone before they arrive, so there's nothing to handle at the counter. Here's how the flow runs from setup to settled transaction.
Set up your Paytia account
We configure your account, connect your payment gateway, and put your brand on the checkout page. Most teams are live within a few weeks — no hardware to ship, no code to write on your side.
Send a payment link or invoice
Before the appointment, delivery, or service, send a branded payment request by SMS, email, chat, or QR code. The customer gets a link to a mobile-optimised checkout on a trusted Paytia subdomain, with your logo on it.
Customer pays on their own phone
The customer taps the link, picks card or ACH bank payment, and pays in seconds. Their card data goes straight to the payment processor through Paytia — it never touches your systems or your staff.
Payment confirms and reconciles
You see the payment land in your Paytia console the moment it happens. Webhooks push the status to your systems if you need them. Everything from every channel — links, terminal, invoices — sits in one reconciliation view.
Customer arrives ready
No queue, no card machine at the counter, no cash to handle. The transaction is already done before they walk through the door.
Online processing, a virtual terminal, invoicing, and payment links — all switched on from the same place. PCI DSS Level 1 protection covers every transaction across every channel.
Generate a branded payment request and fire it off however the customer prefers — text, email, WhatsApp, a QR code at the door. They pay before they arrive; you see it land the moment it does.
Customers choose card or bank (ACH) on the same secure checkout. In the US, both rails run on Stripe. You don't have to pick one payment method — they do.
For counter and phone payments, staff take the card through a browser terminal — no hardware to buy, no card data seen or heard by the team, address verification (AVS) checks built in.
Raise a branded invoice with a pay-now link embedded. Set it to chase automatically, trigger a receipt on payment, and track real-time status via webhooks — without chasing the customer yourself.
We're a PCI DSS Level 1 certified service provider, independently audited every year. Because card data never enters your environment, your PCI scope typically drops to SAQ A (22 controls, from SAQ D's 329).
Payment links, virtual terminal, invoicing — every transaction reconciles in the same place. Custom reports, refund permissions, and user management are self-service, 24×7.
It's a toolkit — payment links, a virtual terminal, invoicing, and online card and ACH processing — that lets customers settle up before they arrive. You send a link or an invoice; they pay on their phone in seconds; you see the payment land and they show up ready. No queue, no card machine at the counter.
Credit and debit cards, plus ACH bank payments. In the US both run on Stripe. Customers choose whichever suits them on the same checkout page — you get both options without separate setups.
Most teams are live within a few weeks. We configure the account, connect your gateway, and put your brand on the checkout page. There's no hardware to ship and no code to write on your side.
No. The virtual terminal runs in a browser — your staff use it on whatever device they already have. Payment links and invoices go out from the same console. Nothing to install, nothing to wire up.
Because card data goes from the customer's phone straight to the payment processor through Paytia, it never enters your environment. That typically drops your PCI scope from SAQ D (329 controls) to SAQ A (22). We're a PCI DSS Level 1 service provider, independently audited every year.
Yes. The virtual terminal handles counter and phone payments — your staff key in orders through a browser, with AVS checks and configurable fields. Card data never lands on their screen. It sits alongside the payment-link and invoicing tools in the same account.
See how Paytia handles PCI-compliant phone payments, or explore all our payment solutions.
Book a 15-minute demo. We'll show you the payment link flow, the virtual terminal, and what SAQ A looks like for your business.
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