Banks, credit unions, insurers, and law firms already live with tight regulation. Paytia takes PCI DSS off the pile — no scope, no exposed call recordings, no card data sitting in a regulated system where it shouldn't be.
Who we work with
If you run a bank, an insurance firm, or a law practice in the US, you already live with regulation. FINRA supervision. SEC reporting. FDIC examinations. State insurance commissioner filings. State bar trust accounting. AML and BSA. Your systems are built around audit trails, record-keeping, and evidence you'll need to show someone in a year's time.
PCI DSS is the one that catches people out. The first time an agent reads a card number during a fee payment call, your telephony, your call recordings, and your case management system are all in scope. Suddenly you're answering 329 SAQ D questions and paying for quarterly pen tests on a contact estate you never thought of as a payment environment.
And because your sector sits under the microscope, a card data breach isn't a quiet IT incident. It's a state attorney general notification, a letter to every affected customer under 50 different state breach laws, and a difficult conversation with your E&O carrier. The prevention cost is a fraction of the remediation cost.
Paytia sits between your phone system and your payment gateway. When a client needs to pay a premium, a fee, or a disbursement, they enter their card on their own keypad while your agent stays on the call. The keypad tones are masked in real time, so nothing identifiable reaches the agent, the recording, or your case management system. The card data goes straight to the gateway you're already using.
The money still moves through your merchant account — IOLTA, premium trust, operating, whichever fits your operating model. We don't touch the funds. We just take the scope out of the card capture moment. For law firms, that means state bar trust accounting rules stay intact. For insurers, premium collection and claims deductible capture look exactly the same to the customer. For banks and credit unions, the regulated flow is untouched.
Most regulated firms are live within days. The PCI audit drops from SAQ D to SAQ A, and your call recordings stay clean for FINRA supervision, state bar file reviews, Reg E disputes, or any other evidence trail your regulator wants.
Carriers, MGAs and brokers can also read our NAIC / Florida / NY DFS regulatory alignment statement — how Paytia's third-party processing model maps onto the insurance data-security frameworks you're already audited against.
Different regulators, same underlying problem. Here's how Paytia fits each side of US financial and professional services.
For banks, credit unions, and finance companies handling card payments over the phone. Drops PCI scope without disturbing your FDIC-insured operating model or Reg E obligations.
For carriers, MGAs, and brokers taking premium payments and claims deductibles on calls. Keep card data out of claims recordings and underwriting systems regulated by state insurance commissioners.
For law firms taking fee payments, retainers, and IOLTA-eligible disbursements on the phone. Fits alongside state bar trust accounting rules without adding friction.
329 → 22
PCI requirements (SAQ D → SAQ A)
SAQ A
Down from SAQ D
Zero
Card data in your systems
Clean
Call recordings, every time
The card payment goes directly to your existing merchant account — the same one you use today. We don't touch the funds, we just take the scope out of the card capture step. Whether that's an attorney IOLTA account, an insurer's premium trust, or a bank's operating account, the money flow stays exactly as it is.
It's the one nobody plans for. FINRA, SEC, FDIC, and state bar exams are built into your business processes. PCI DSS sneaks up on you the first time an agent reads a card number out loud on a regulated call. Suddenly your telephony, your call recording, and your CRM are in scope, and you're answering 329 SAQ D questions you weren't expecting.
Yes. Call recording stays exactly as it is, because the keypad tones are masked before they hit the line. Your compliance team can keep every call — for FINRA supervision, state bar file reviews, Reg E dispute evidence, or insurance claims — without any risk of a card number leaking into archive.
Yes. We plug into your existing gateway, so whatever system triggers the payment — Clio, MyCase, Guidewire, Duck Creek, a banking CRM — keeps working the way it does today. There's no custom integration, and no card data passed between systems that shouldn't be.
Most firms see it as a positive. Card data breaches are a growing line item in E&O and cyber claims, especially for law firms handling fee payments and insurers handling premiums. Removing card data from your environment removes a category of exposure entirely. We've had brokers ask for a letter confirming the Paytia architecture for underwriting purposes — we're happy to provide one.
See Paytia on a call flow that looks like yours. Most regulated firms are live within days, not months.