There's a lot of language floating around the market — "secure", "compliant", "PCI-ready" — that doesn't mean much when you read the small print. A platform that only redacts recordings after the call isn't really keeping you out of scope. The QSA still sees a cardholder data environment because the digits passed through your network on the way to being deleted.
We built Paytia to the standard our customers' assessors actually apply under PCI DSS 4.0. The card number, expiry, and CVV never enter your network. The agent never hears the digits. The recording never contains the digits. The acquirer gets the data over an encrypted channel directly from our PCI DSS Level 1 environment. That's the test — and it's what drops most US contact centers from SAQ D (329 controls) to SAQ A (22 controls).
One platform handles every channel: inbound calls where the agent stays on the line, outbound and callback calls where the customer pays mid-conversation, and self-service flows where we send a tokenized link by SMS while the agent watches the status. You don't need a separate tool for each.
You don't need to stitch together four vendors. Every payment channel runs on the same Paytia tenant with one set of tokens, one audit trail, and one integration into your CCaaS.
Real-time tone suppression on the inbound leg. The agent hears flat audio, the recording captures flat audio, and the digits flow straight to the acquirer. The conversation never pauses.
How DTMF masking works→On outbound and warm-transfer calls, the customer's keypad audio is split out of the agent's stream and the recording during capture. Agents stay on the line for service; cardholder data doesn't.
Channel separation in detail→Send a one-time payment URL by SMS or email mid-call. The customer pays on their own device, the agent watches the status indicator, and the call closes with confirmation in seconds.
Payment links overview→For repeat customers and recurring charges, we store a PCI DSS Level 1 token — never the card itself — and let your team take a follow-up payment without re-keying anything. Your CRM holds the token reference, not the PAN.
Telephone payments and saved cards→We don't replace your contact-center platform. We sit on the trunk side of it. When an agent reaches the payment step, they press a key, Paytia takes the audio leg, masks the DTMF tones, sends the digits straight to your acquirer, and hands the call back. Total time: about as long as the customer takes to key the card.
That matters because rip-and-replace projects fail. We've watched buyers commit to a "new payment platform" that needed a new CCaaS, a new desktop, and six months of agent retraining. By the time the project shipped, the original problem — failing the next audit — was a year overdue. Our entire deployment is one number to call from your existing IVR or one toolbar action in your existing agent desktop.
If you're running Genesys, Five9, NICE CXone, Talkdesk, Amazon Connect, 8x8, RingCentral, Avaya, 3CX, or Microsoft Teams, we plug in. If you're on a bare SIP trunk, we plug in. We publish a SIP REFER and REST integration spec, so if your platform supports neither, we'll still find a path — but in three years of doing this, we haven't met one that didn't.
The same logic applies to acquirers. We're a Stripe partner and that's our reference path, but we support most US gateways. You don't have to change processors to take a secure phone payment. Public US examples like Warby Parker show what a clean, secure phone-payment flow looks like at scale. See how US contact centers run Paytia.
Plenty of teams patch the phone-payment problem with a pause-and-resume recording add-on or a "secure room" the agent walks the customer into. Both leave gaps. Pause-and-resume relies on the agent pressing pause at exactly the right moment, every time, with the right outcome on the post-call audit. Secure rooms break the conversation, push average handle time up by 60-90 seconds, and don't help on outbound at all. Under TCPA, that extra friction on outbound is the last thing you want.
A platform approach is different. The capture is deterministic — when the agent triggers it, the masking is on, full stop. The recording is clean because the digits were never in the audio in the first place. And because we cover inbound, outbound, callback, and link-based payments on the same tenant, you don't have one tool for the in-call capture and a different tool for the SMS pay link with a different audit trail and a different reconciliation report.
For a deeper read on the trade-offs, see our DTMF masking vs pause-and-resume comparison or the cardholder data environment explainer.
It has to keep cardholder data out of your network, your agents' ears, and your call recordings. That means real-time DTMF masking on inbound calls, a separate capture channel for outbound, tokenized storage at a PCI DSS Level 1 acquirer, and an audit trail you can hand to your QSA. A platform that only redacts recordings after the fact isn't a secure platform — it's a clean-up tool.
Yes. Paytia is assessed annually as a PCI DSS 4.0 Level 1 service provider — the highest tier — by a Qualified Security Assessor. Using us drops most US contact center buyers from SAQ D (329 controls) to SAQ A (22 controls) because no cardholder data touches your environment.
Yes. We sit between your trunk and your platform, so it works with Genesys, Five9, Amazon Connect, NICE CXone, Talkdesk, RingCentral, 8x8, 3CX, Avaya, Microsoft Teams, or a plain SIP trunk. We don't replace your CCaaS, we make the payment step safe inside it.
Most customers are live in 3-10 working days. There's no hardware to ship, no agent desktop to install, and no script change. Agents press one key to start a capture and watch a progress indicator while the customer keys their card.
Same platform. For outbound or warm transfers, the agent stays on the line and the customer enters card details on their own keypad — the audio is split during capture so digits never reach the agent or the recording. That matters for TCPA-sensitive flows too: a clean recording is one less thing to argue about. For pure self-service, we can send a tokenized payment link by SMS or email mid-call.
Only as a PCI DSS Level 1 token if you ask for repeat billing or saved cards. The PAN, expiry, and CVV are passed straight to the acquirer over an encrypted channel and never written to your systems. Most customers run us in pass-through mode with no tokenization at all. CCPA data-subject requests stay simple because there's no cardholder data sitting in your CRM to look up.
Stripe is our reference acquirer — we're a Stripe partner — and we support most US gateways through standard integrations. If you've already got a merchant account you like, we'll plug into it; you don't have to switch processors to use Paytia. Warby Parker is a public example of a US brand running a secure phone-payment flow on a Stripe-backed stack.
A 20-minute demo with a real agent capture, a real masked recording, and a real audit trail. Bring a question about your stack — we'll answer it on the call. Or call +1 628 295 2250.
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