Not the context window, not the logs
Which product is this? The product is Conversational & AI Payments. The API you call is Capture Assist. This page is the engineering guide for wiring the two into your agent — if you want the product overview, commercial detail, or the other channels it covers, start on the Conversational & AI Payments page instead.
It's an easy thing to miss, because nothing about it looks like a security decision. The agent asks for a card, the customer says it, and the model does what it does with every other token in the conversation — holds it in context, and passes it into whatever sits downstream.
Downstream is usually a transcript, a call recording, an observability trace, and a retention policy written by someone who wasn't thinking about cardholder data. From a PCI standpoint, every one of those systems has just become part of your cardholder data environment. So has the model provider. So has anyone who can read a debug log.
Contact centers solved the human version of this fifteen years ago with DTMF masking — keep the digits away from the agent. The problem now is structurally identical, except the agent is a model, and models keep transcripts by default.
Four steps, one of which is yours.
Nothing changes about how you've built it. The model handles intent, context, and dialogue right up to the moment money needs to move.
One API call at the payment step. You pass the amount and your reference; you never pass card data, because you never have it.
On a call, they key the card on their handset and the tones are masked before they reach your transcription engine. In chat, they pay on a Paytia-hosted form. Either way the digits never enter the conversation your model can see.
We return the outcome and a token you can safely store, log, and reference later. Your agent picks the conversation straight back up.
Capture Assist is a REST call against our payment service, authenticated with an API key in the request header. You trigger it at the payment step and handle the result your agent gets back.
POST https://accounts.paytia.com/api/payment_service
X-API-KEY: <your api key>
Content-Type: application/json
{
"transaction_flag": "<the operation you want>"
// amount, reference and channel fields go here —
// see the field reference for the full list
}We've deliberately not reproduced the whole field list here, because the docs are the thing that stays current. Start with getting started, then authentication and the payment service reference. Results come back on the call, and webhooks cover the asynchronous cases.
No card fields in your UI. No redaction pass over your transcripts. No scrubbing rules in your logging pipeline. No separate retention policy for conversations that happened to involve a payment. No argument with your assessor about whether your model provider is in scope. The boundary does that work, and it does it by making sure the data was never on your side of it.
For chat and text agents, it's an HTTPS request — so it works from an in-house stack, an orchestration framework, or a hosted agent platform without us needing to be a named integration in any of them.
For voice agents, the hand-off happens over SIP, which is how these platforms carry calls anyway. We can sit in front of the agent for full isolation, or conference in on demand when a payment is due, with a unique call ID in the SIP header triggering the capture. Both patterns are already running in production on our AI CallSynch SecureFlow and Capture Assist products.
Tell us what your agent runs on and we'll tell you precisely where the hand-off sits. If we haven't seen your platform before, that's a conversation worth having — this is a new enough problem that most integrations are still being written for the first time.
Because it doesn't stay in the conversation. A card number in the context window can persist in your chat transcript, your call recording, your observability tooling, and — depending on your provider's retention settings — training data. Under PCI DSS that pulls the model and everything touching it into your cardholder data environment. What was a narrow payment integration becomes an SAQ D problem across your whole AI stack.
The integration is API-based, and for voice it's a SIP hand-off, so it isn't tied to any one vendor. If your agent can make an HTTPS request, or your telephony layer can bridge a call over SIP, it can work. That covers in-house stacks built on the major agent frameworks as well as hosted voice-AI platforms. Tell us what you're building on and we'll tell you exactly where the hand-off sits.
You need to complete an SAQ, as any business taking card payments does. The point of this integration is that it keeps you on the short one. Because the card is captured in our environment rather than yours, your systems don't store, process, or transmit cardholder data — which is what would otherwise push you onto a much longer questionnaire.
Same boundary, more data types. Capture Assist handles ACH routing and account numbers, Social Security numbers, dates of birth, and member or policy IDs alongside cards. If it's a field you'd rather not find in a transcript, it can be captured outside the model.
No, and that's the point. There's no transfer to a human, no "check your email for a link", no dropping the session. The agent stays in control of the conversation throughout — we only take the few seconds where the card is involved, then hand back.
Most teams are integrated within two to four weeks. The variable is your side rather than ours — how many sensitive fields you need captured, and how complex the existing agent flow is. There's no off-the-shelf install; every deployment gets configured to the stack it's going into.
You get the failure back as a result on the same call, with a reason. Your agent decides what to do with it — retry, offer another method, escalate to a human. We don't make that decision for you, because the right recovery depends on what your agent is for.
Yes. Talk to us about a sandbox account and we'll walk your engineers through the hand-off against a test gateway before anything touches a real card.
Show us the flow and we'll show you where the card should leave it. PCI DSS Level 1 since 2016. Talk to us on +1 315 716 2226.
Used by British American Tobacco · Howard Kennedy · CITB · Clinical Partners · Trinity Hall College
Since 2016
Building secure payments
PCI DSS Level 1
Highest certification
99.99%
Platform uptime
$500M+
Transactions processed
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