Telephone Payments
Phone payments without card data in your business
Take card payments on a phone call without your agents, call recordings, or systems ever touching card data. Agent-assisted, automated IVR, mobile, and outbound.
Take card payments on a phone call without your agents, call recordings, or systems ever touching card data. Agent-assisted, automated IVR, mobile, and outbound.
Both keep card data out of your business and drop you to SAQ A. The difference is what the agent does during card capture. Compare them side by side.
Agent stays on the line throughout. Tones are suppressed in the live audio so the agent doesn't hear the digits but can keep talking the customer through.
Pick this if your agents handle complex calls and need to stay engaged through the payment step.
Read about DTMF Suppression →Agent's audio goes off-line during capture. Voice prompts run the flow on the customer leg and the call reconnects when the payment authorises.
Pick this ifyour compliance team wants a hard physical separation for audit, or if you'd rather agents had no involvement at all.
Read about Channel Separation →The two above are the core. These four cover the rest of the patterns we see.
Automated 24/7 phone payments — no agent on the line, no card data on your systems.
Learn moreTake secure card payments from any smartphone or tablet. No card reader, no app to ship.
Learn moreYou dial the customer for collections, renewals, or chase — and take the payment on the same call.
Learn moreAutomated payment reminders by email and SMS with smart scheduling and pay-now links.
Learn morePhone payments are still where most businesses leak PCI scope. If your agents hear card numbers, your call recordings probably capture them, and once that happens PCI DSS starts applying to most of your contact centre — not just the payment step. Pause-and-resume recording is fragile, secure rooms don't work for hybrid teams, and sending customers to a separate link kills the call.
Paytia sits between your phone system and your payment gateway. When it's time to pay, the customer enters their card on their own keypad. We either suppress the tones in the live audio (DTMF Suppression) or split the call into two channels during capture (Channel Separation) — either way, your agent never hears the digits, your recording captures nothing sensitive, your systems never touch the card. The payment processes through your existing gateway (Stripe, Barclaycard, Worldpay, Adyen, Tyl by NatWest, Ryft, and others), so you don't switch merchant accounts.
Most customers are live within days. PCI scope drops from SAQ D (329 controls) to SAQ A (22 controls), and the call experience stays the same for your customers.
Customers type their card details on their own phone keypad. Paytia either suppresses the keypad tones in the live audio (DTMF Suppression) or splits the call into two channels during capture (Channel Separation) — either way, the card number, expiry, and CVV go straight to your payment gateway, not through your agent, your call recording, or your systems.
No. Paytia works with any telephony — landline, VoIP, SIP, PBX, or full contact-centre platforms like Genesys, Five9, Amazon Connect, NICE, 8x8, Talkdesk. There's no hardware to install and no rip-and-replace. Most customers are live in days.
Yes. Card data is removed from the audio before it reaches the recording layer, so recordings stay clean — no pause-and-resume, no redaction, no compliance exposure if a recording is ever pulled from archive.
Yes. Agents can dial the customer for collections, renewals, or chase and take the payment on the same call. See Outbound Payments and Payment Chase below.
Most businesses drop from SAQ D (329 controls) to SAQ A (22 controls). Card data never enters your environment, so most PCI DSS controls stop applying.
See Paytia on a call flow that looks like yours. Most businesses are live within days.
Trusted by law firms, insurers, healthcare providers and regulated businesses worldwide. Learn more about Paytia