From regional auto carriers to national health plans and independent agencies.
US insurance still runs on phone calls. Auto and home customers ring in to set up the policy and pay the down payment. Health and Medicare members call to settle a deductible. Life carriers take the first premium on the issue call. Brokers chase clients for renewals. Every one of those calls is an opportunity for a card number to land in your call recording, your policy admin system, or your claims platform — none of which were designed to be a payment environment.
On top of that, you're already living with regulators. State insurance commissioners. NAIC model law adoptions. NY DFS Part 500 if you write in New York. Florida's Information Protection Act. And HIPAA on anything health-related. PCI DSS gets stacked on top — and the moment an agent reads a card number aloud, your contact center stack is in scope and you're answering 329 SAQ D questions you weren't expecting.
A breach involving cardholder data and policyholder data at the same time isn't a quiet incident — it's a multi-state notification under 50 different laws, a hard letter from your DOI, 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 policyholder needs to pay a premium or a claims deductible, they enter their card on their own keypad while your agent stays on the call. Our DTMF masking replaces the keypad tones with a flat signal in real time — the agent hears nothing identifiable, the recording stays clean, and the card data goes straight to whichever gateway you already use (Stripe, Chase Payment Solutions, Authorize.Net, Worldpay US, Adyen, Braintree, and others).
The money still flows through your existing merchant account. Premium trust accounts, operating accounts, claims disbursement accounts — whichever you're set up for. We don't touch the funds. Your DOI auditor sees the same money flow they audited last year. Your QSA sees a much shorter SAQ.
For health insurers and Medicare-related plans, we sign a Business Associate Agreement so any incidental PHI on a payment call is covered. For carriers regulated under NAIC model law adoptions or NY DFS Part 500, removing card data from the contact center is one of the cleanest things you can do for your annual filings.
Down payments, monthly installments, annual renewals — all paid securely on the same call your CSR is taking.
Adjusters take the deductible during the FNOL or settlement call without forcing the policyholder to read their card out loud.
Tokenized card on file for monthly auto, renters, and life premiums. Cards update automatically when they expire.
Capture banking details securely for ACH claims payouts, with the same protections we apply to card capture.
SAQ A
Down from SAQ D
BAA
Available where PHI applies
Zero
Card data in your environment
Days
Live with most carriers
Yes. Health insurers, Medicare Advantage carriers, and Medicare Supplement issuers often see PHI mixed with payment information on the same call. We sign a Business Associate Agreement, and the architecture keeps card data and any incidental PHI separated end to end. That maps cleanly onto how HHS Office for Civil Rights expects covered entities and Business Associates to operate.
The card payment goes to your existing merchant account, so the money flow that your state insurance department audits doesn't change. We just take card data out of the capture step. Carriers regulated under the NAIC Insurance Data Security Model Law, NY DFS Part 500, or Florida's Information Protection Act all benefit from removing cardholder data from the contact center entirely — fewer systems in scope, fewer notification triggers if something goes wrong.
Yes — and on a claims call, that matters. The policyholder keys their card details into their own keypad while the adjuster or claims handler stays on the line. They see the deductible posted, but never hear or see the card number. It keeps a stressful conversation moving without forcing your customer to read sensitive details aloud during what's usually already a bad day.
Yes. After the first phone payment, Paytia returns a token to your policy admin system. The token charges the same card on whatever schedule you set — monthly, quarterly, or annually — but the card number stays inside our PCI DSS environment. Your systems only ever see the token. Useful for auto, home, renters, life, and supplemental health premiums.
Yes. Paytia runs in a browser tab alongside whatever policy admin or claims platform your team already uses — Guidewire ClaimCenter / PolicyCenter, Duck Creek, Applied Epic, AMS360, EZLynx, or a bespoke carrier system. Policy numbers, claim references, and cover types are captured at payment time and posted back into your record so agents aren't re-keying anything.
See Paytia on a call flow that looks like yours. Most carriers and agencies are live within a week.
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