From specialty boutiques to national chains running multi-channel customer service.
US retailers spent the last decade building omnichannel — web, mobile app, store, BOPIS, curbside, ship-to-store, ship-from-store. The customer flips between channels in a single purchase, and the contact center is usually where the seams show. A web checkout fails and the customer rings in to finish the order. A curbside customer wants to add something while they wait. A BOPIS pickup turns into a phone call about pricing. The phone is still the channel that closes those gaps.
The compliance problem is volume. Every phone payment is an opportunity for a card number to land in your call recording, your contact center CRM, or your order management system. Scale that across thousands of calls a day and you're running a payment environment you never designed — with PCI DSS scope you didn't sign up for and an SAQ D you really don't want to fill in.
On top of that, retailers carry seasonal hiring spikes in October, December, and around Mother's Day and Father's Day. Every temp agent who handles a card number is a new exposure point — and 90 days of intensive background-checking and training on card handling isn't something most retail HR teams can do well at speed.
Paytia sits between your phone system and your payment gateway. The customer keys their card on their own keypad while your agent stays on the line, talking through the order, the gift card, the BOPIS add-on, or the refund. Our DTMF masking replaces the tones with a flat signal in real time — the agent hears nothing identifiable, the call recording stays clean, and the card data goes straight to your gateway (Stripe, Chase Payment Solutions, Authorize.Net, Adyen, Braintree, and Worldpay US).
Every payment lands in your existing gateway with the same merchant reference, descriptor, and reporting feed as your web checkout and store POS — so your finance team sees one consolidated view across web, store, and phone. No separate ledger to reconcile, no orphaned phone-channel revenue.
Refunds run against the original tokenized payment without re-asking for the card. Gift card sales and reloads work the same way. Seasonal agents are payment-ready in minutes — sign-in to the Paytia portal, take calls, never see a card number. Most retailers drop from SAQ D to SAQ A within their next assessment cycle.
Catalog, high-ticket, and configurator-driven phone orders without card data anywhere in the contact center.
Customer adds an item to their pickup order on the phone, pays securely, and the store associate hands the full order over.
Closed-loop and open-loop gift card sales by phone, including corporate gifting programs and bulk orders.
Refund the original card without re-asking the customer for the digits — fewer drop-offs, less PCI scope.
SAQ A
From SAQ D (329 → 22)
Multi-channel
Web, store, phone reconciled
Seasonal
Agents ready in minutes
Days
Live with most retailers
Yes. The customer can place the order online and pay by phone if they hit a checkout problem, or call to add an item to a curbside pickup, or call about a ship-to-store order that's just hit the floor. The same Paytia flow handles all of it, and the payment lands in your existing gateway with the same merchant reference and order ID as a web checkout — so your store associates and your e-commerce reconciliation team see one clean record. No second card capture at curbside hand-off, no awkward phone-the-card-out moment.
Yes. Phone gift card sales — for big-ticket retail, restaurant groups, and corporate gifting programs — are a high-value channel that most retailers leave on the table because of the card-data exposure. Paytia takes the card number on the customer's keypad while your associate stays on the line, and the gift card or e-gift code goes out by email or SMS as soon as the payment posts. Reloads work the same way for closed-loop programs.
Yes. The original payment generates a tokenized reference your gateway can refund against — full or partial — without the customer needing to read the card number again. Agents click refund in the Paytia portal, the gateway processes it, and the customer sees the credit. No new card capture, no extra PCI exposure, no awkward 'could you grab your wallet' moment on a return that was already a difficult conversation.
Yes. The platform is cloud-hosted with no per-seat licensing and no capacity planning required. Add seasonal contact-center agents in October, take them off the rota in January, and they're payment-ready in minutes because there's nothing for them to install and no card data ever reaches them. We've handled customers going from 50 to 500 concurrent agents during peak, with gateways like Stripe, Chase Payment Solutions, Authorize.Net, Adyen, Braintree, and Worldpay US.
Yes — high-ticket MOTO is one of the original use cases. Customers call to discuss the order, the agent confirms the configuration and total, then the customer keys their card into their own keypad while the agent stays on the line. Agents see payment progress on screen but never hear or see the card number. It removes the high-ticket phone channel from your PCI scope almost entirely while keeping conversion rates exactly where you want them.
See Paytia on a phone-order or BOPIS flow that looks like yours. Most retailers are live in days.
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