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Paying by Phone

Secure Virtual Terminal

A secure and compliant Virtual Terminal

Accept card payments securely over the phone with Paytia's intuitive and reliable Secure Virtual Terminal. No card reader, downloads or physical installation required. Simplify payment processing and instill customer confidence with our robust security measures. Ideal for businesses of any size. Sign up and take your first payment in under 10 minutes.

Why choose Secure Virtual Terminal?

  • Keypad Data Entry: Customers enter card details using their phone keypad instead of reading them out loud.

  • Compliance: Compliant with important security regulations like PCI-DSS and GDPR.

  • No access to card data: Your business never stores or has access to customer card data.

  • Customizable: Highly customizable to meet your unique needs.

  • Self-service: Option for self-service set-up to save on fees and costs. Sign up and take your first secure payment in under 10 minutes.

"We highly recommend Paytia to any business wanting to enable distributed and remote working whilst removing the risk and uncertainty of a potential data breach, fraud and PCI fines.”

Payments over the phone, web, email, Zoom & more.

With Paytia, your business can engage with it's customers when taking payments over the phone, web, email, chat and Zoom. One account for all the ways you take Customer Not Present payments.

The added benefit in choosing Paytia? We will take most of the responsibility for PCI-DSS making your annual compliance obligations a breeze.

Discover the power of Paytia's self-service approach, providing businesses with the autonomy and control they need. Our intuitive platform empowers businesses to set up and manage payment solutions independently, reducing dependency on third parties and minimizing delays.


With Paytia's self-service model, businesses can swiftly adapt to changing needs, customize solutions to match their unique requirements, and maintain a competitive edge in today's fast-paced market.

Easy self-service installation

No Contracts,
14 day free trial

Embrace flexibility with Paytia's flexible payment plans, choose between monthly rolling and a 12 month contract. Plus we offer a 14-day free trial. We believe in fair partnerships, allowing businesses to test our platform risk-free.


Say goodbye to rigid commitments and hello to the freedom of choice. Paytia enables you to experience our secure payment solutions firsthand, ensuring they align perfectly with your needs before making any commitments.

Stay secure and compliant without the hassle or cost.

Our approach requires no training, eliminating any chance of card data being compromised. With Paytia's Secure Payment process, payments cannot be taken without proper invoking secure payment mode, ensuring that your staff members never hear card details and customers never inadvertently disclose them.

Forget about the burdensome and costly PCI DSS requirements. Paytia is a PCI DSS Level 1 certified service that removes the need for you to secure your working environments and associated systems. Our Responsibility Matrix provides detailed information on the obligations we handle, reducing your costs and freeing up valuable resources.

Key features

Paytia's innovative approach securely communicates card data within the voice channel, reducing vulnerabilities and increasing deployment flexibility. Removes the risk of any cardholder data reaching your business systems and staff. Superior to out-dated methods such as DTMF masking, as these still carry risk of DTMF bleeding and call recording picking up cardholder data.

Paytia works transparently with businesses’ existing telecoms systems and providers to enable them to take payments at any time during calls without undermining the customer experience. Recognising the complexity and diversity of the voice-communications technology landscape, Paytia has multiple methods of connecting its services to suit any situation or requirement. Telephony integration modes are not covered in detail within this document — for more information, contact us.

Multiple payment types

Payments are processed directly into the users’ merchant account(s).  Any type of payment can be taken — one-time, recurring, reserves, or pay-later — in any currency. Paytia also supports advanced address verification and Strong Customer Authentication (SCA).

Compliance built-in

As a PCI DSS Level 1 certified service provider, Paytia removes the need for merchants to secure their working environments and other associated systems. The details of what PCI DSS obligations are removed and those few that remain are detailed in Paytia’s Responsibility Matrix, which can be provided on request.

How it works


Fill in payment form

Capture additional payment data such as:

  • Reference and account numbers

  • Shipping and Billing address

  • Advanced address verification check


Dial 729

Once the secure payment form has been filled in. The Agent can dial 729 (pay) using their phone keypad. This invokes secure payment mode which is powered by channel seperation. This ensures no cardholder data can be accessed by your staff or business systems


Securely process payment

The Paytia voice assistant guides both the customer and the agent through the secure payment process. The customer is prompted to enter their card details using their phone keypad. Once the payment is completed the customer is reconnected to the agent.

Key Benefits

  • User-Friendly Interface for Agents and Customers

  • Fully Compliant with Level 1 PCI-DSS Version 4.0 Standards

  • Secure Transmission of Cardholder Data (CHD) via DTMF Suppressed Keypad Entry or Voice Recognition

  • Seamless Conversation Integration for Card Details Collection

  • Effortless Deployment with 100% Hosted Solution, No On-Site Installation Needed

  • Multiple Agent Logins for Enhanced Team Collaboration

  • Real-Time Reporting via Paytia Dashboard for Instant Insights

  • Eliminates the Requirement to Pause Call Recordings

  • Enhanced Agent Experience with Optimized Paytia Dashboard

  • Compatibility with Leading Payment Service Providers and Telephony Providers

  • Flexible Integration Options for CRM or Billing Systems

  • Competitive Rates for Calls and Transactions

Explore our
pricing options

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