Mobile Payment Solutions

Take card payments on the go — no card reader needed

A field engineer finishes a job and gets paid on the spot. A charity fundraiser takes a phone donation without handling card details. A healthcare team collects a co-pay over the phone — card digits entered on the keypad, never heard aloud. That's what our mobile payment solutions do. PCI DSS Level 1 compliant throughout.

How We're Different

What makes Paytia different

Most mobile payment apps stop at tap-to-pay. Paytia goes further — DTMF masking on phone calls, PCI DSS Level 1 compliance built in, and a 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-optimised payment solutions

Web-based mobile payment technology designed for modern businesses. PCI-compliant security, no card reader hardware needed.

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

How mobile payments are protected

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

FAQ

Frequently asked questions

Everything you need to know about mobile payments

What are mobile payments?
Mobile payments are secure payment processing solutions that allow businesses to accept payments through mobile devices. Paytia's solutions enable businesses to process card payments securely on smartphones and tablets while maintaining PCI DSS compliance. This includes the PayMobile app for Stripe, mobile-optimised web payment forms, and API integrations for custom mobile apps.
How secure are mobile payment solutions?
Paytia's mobile payment solutions are fully PCI DSS Level 1 compliant, using full encryption and secure tokenisation to protect payment data. All sensitive card information is processed securely without touching your systems, so card data never sits on a phone or in your systems. Biometric authentication, device fingerprinting, and real-time fraud detection provide additional layers of protection.
Can I accept mobile payments without a card reader?
Yes. Paytia offers mobile payment solutions through the PayMobile app and web-based payment forms that require no additional hardware. Process payments using card entry forms, payment links, or integrated solutions without requiring physical card readers. The PayMobile app uses your phone's keypad for secure card entry.
How do mobile payments work with Paytia?
Paytia's mobile payment solutions work through secure payment forms and APIs that can be integrated into mobile apps or mobile-optimised websites. Customers enter their payment details securely, and Paytia processes the payment through PCI DSS compliant infrastructure, returning secure tokens to your systems. Card data never touches your device or servers.
What is DTMF masking and how does it work on mobile?
DTMF masking is a technology that replaces the touch-tone sounds made when a customer enters their card number on a phone keypad. During a mobile call, the customer types their card details using the dialpad while DTMF masking ensures the agent cannot hear or identify the digits. This maintains full PCI DSS compliance for telephone payments taken from mobile devices. Learn more about DTMF masking.
What payment methods are supported on mobile?
Credit cards, debit cards, digital wallets (Apple Pay, Google Pay), and payment links. The PayMobile app for Stripe supports all major card brands. The specific methods available depend on your payment gateway configuration and regional requirements.
Can I integrate mobile payments with my existing app?
Yes. Paytia's mobile solutions integrate into your existing app through our API. Embed secure payment forms directly or use hosted payment pages, depending on your technical requirements. JavaScript SDKs and REST APIs provide flexible integration options with full documentation.
Are mobile payments PCI DSS compliant?
Yes, all Paytia mobile payment solutions are fully PCI DSS Level 1 compliant. Paytia handles all card data processing securely, ensuring that sensitive payment information never touches your systems. This eliminates your PCI compliance burden for mobile payment processing.
How quickly can I set up mobile payments?
With the PayMobile app for Stripe, you can be accepting payments within minutes -- just download the app, connect your Stripe account, and start processing. For custom integrations using our API and SDKs, the timeline depends on your specific requirements, but most implementations are completed within 1-2 weeks.
What is the PayMobile app?
PayMobile is Paytia's iOS app for processing secure card payments through Stripe. It allows businesses to accept payments on the go from any iOS device with biometric security, real-time transaction tracking, and instant payment confirmation. No card reader hardware is required -- customers enter card details directly through the app's secure payment form.

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.

Free to DownloadPCI DSS CompliantBiometric Security