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Secure Virtual Terminal

Virtual Terminal for Payments by Phone

Secure Virtual Terminal provides a versatile, secure, and user-friendly platform for businesses to handle card transactions by phone where the cardholder is not physically present. This is particularly beneficial in enhancing customer trust and privacy, ensuring regulatory compliance, and offering flexibility for diverse business models.

Features

Fully Customisable

Channel Separation

Laptop mock up

Local Phone Number

Choose a free local phone number with Paytia Payments enabled. Use of existing business phone lines is possible.

Agents and call recorders are safeguarded from accidental card data exposure.

Personalize payment forms and  with your own business wording for a branded experience.

Guided Payment Process

Built-in audio instructions

ensure smooth payments

without lengthy training.

Multiple Payment Types

Personalize payment forms and  with your own business wording for a branded experience.

Full PCI-DSS Compliance

Comply with PCI-DSS without needing to pay a monthly MOTO compliance charge.

Benefits

A Secure Virtual Terminal is a digital solution designed for secure and compliant processing of credit and debit card transactions, especially beneficial for phone-based payments. Key aspects and advantages include:

  1. Enhanced Security: These terminals employ robust security measures, including encryption, to protect sensitive card information. They adhere to industry standards like PCI DSS (Payment Card Industry Data Security Standard), ensuring the safety of transaction data.

  2. Customer Privacy: Customers can input their card details directly into a secure interface when paying over the phone, avoiding the discomfort of reading out sensitive information aloud. This privacy-centric approach reduces the risk of fraud and enhances customer trust.

  3. Ease of Use: Businesses can effortlessly implement a virtual terminal, eliminating the need for physical card-reading hardware. This feature is ideal for companies without a physical presence or those engaging in remote transactions.

  4. Regulatory Compliance: Utilizing a secure virtual terminal ensures compliance with various regulations related to the handling and processing of credit card information, thereby avoiding potential legal issues.

  5. Flexibility and Accessibility: The system's flexibility allows businesses to process transactions from any location with internet access, making it a perfect fit for remote or mobile operations.

  6. Record Keeping and Reporting: Virtual terminals often include features for efficient transaction tracking and report generation, aiding in accounting and auditing processes. This functionality simplifies financial management and enhances operational transparency.

  7. Integration with Business Systems: Many virtual terminals can seamlessly integrate with existing business software, like CRM or accounting systems. This integration streamlines workflows, reduces manual data entry, and improves overall efficiency.

Choice of secure payment capture

Channel Separation

Channel Separation employs an Interactive Voice Response (IVR) system during the payment process in a phone call. This IVR acts as a mediator between the customer and the agent at the time of payment. It guides both the customer and the agent through the payment process, ensuring that sensitive card data is entered directly into the IVR and remains inaccessible to the agent or business systems.

 

An important advantage of this method is that it requires no special training for either party. The IVR provides all necessary instructions, making it intuitive for customers and agents to use. This simplicity in operation not only enhances security but also streamlines the payment process.

DTMF Suppression

DTMF Suppression involves muting the tones of keypresses (like when entering a credit card number) during a phone call. This method helps protect the customer's sensitive information by preventing the possibility of decoding the numbers from the keypress sounds. However, unlike Channel Separation, DTMF Suppression requires significant training. The agent must be thoroughly trained in how to use DTMF Suppression.

 

Moreover, in each transaction, the agent is responsible for instructing or training the customer on how to enter their payment details correctly while the suppression feature is active.

 

This requirement for training on both the agent's and the customer's part can add complexity to the payment process and may lead to a higher risk of errors or security lapses compared to the more straightforward Channel Separation method.

Smart, secure and compliant

Quickly process card payments over the phone without the customer reading their card details aloud.

No extra equipment or installs needed

Use any HTML5 enabled browser and any phone system to process payments. No card readers or on site installation required.

Channel Separation - Security Guaranteed

Secure Virtual Terminal utilises Channel Separation to ensure no cardholder data can enter your systems.

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