When it's time to take payment, Paytia separates the call audio. The customer enters their card on their keypad, guided by our voice assistant. Your agent is completely out of the loop — they can't hear, see, or access the card data. It never touches your systems or recordings. PCI DSS scope drops from SAQ D to SAQ A.
One keypress and the secure flow runs itself
The Paytia voice assistant runs the entire card capture process. Agents don't need to remember anything — they just press one key to start it. Because they're completely removed from the audio path, there's no way to access card data, even if they wanted to. Channel Separation is one of two routes we offer for contact center PCI compliance, alongside DTMF masking.
Agents are physically removed from the audio path during card capture. They can't hear the card details, can't see them on screen, and the tones are stripped from the recording. There's simply no opportunity.
Card data never touches your systems, so you qualify for SAQ A instead of SAQ D. That's 22 questions instead of 329, which cuts QSA prep, control documentation, and ongoing evidence work dramatically.
Paytia's voice assistant handles everything — tells the customer what to do, tells the agent what's happening, and processes the payment. You can roll it out to your whole team in a day.
Your team can take payments from the office, from home, from wherever. The process is the same everywhere because Paytia runs it, not your agents.
Other approaches like pause-and-resume recording or DTMF masking rely on agents remembering extra steps. Channel Separation removes that risk entirely.
Paytia tells both parties what's happening at each step. The agent doesn't need to remember a script — the system runs it.
Hold music and progress messages play throughout. The recording keeps running with no silent gaps and no card data anywhere in the audio. That matters for TCPA review on outbound calls.
The customer enters their card number on their keypad. Nobody hears it, nobody sees it, and it never ends up in a recording or a notepad.
Doesn't matter which agent takes the call. The payment process is identical because Paytia runs it, not the agent.
People are more willing to pay when they know their card details aren't being shared with the person on the phone. It removes that hesitation.
Works with your existing CRM, billing system, and US processor. We handle the integration so payments flow into your current workflow.
Built on infrastructure that meets the highest level of PCI compliance.
| Requirement | Without Paytia | With Paytia |
|---|---|---|
| PCI Self-Assessment | SAQ D (329 questions) | SAQ A (22 questions) |
| Network Security | Extensive requirements | Minimal requirements |
| Call Recording | Complex and risky | No restrictions |
| Staff Training | Extensive | Minimal |
If your US business takes payments over the phone, this works. Here's how different sectors use it.
Agents take payments during any customer interaction without extra training or secure-room requirements. Without it, you're paying for compliance overhead on every seat.
Collect patient co-pays, deductibles, and outstanding balances during phone consultations. HIPAA-friendly with BAA available — and no card data lands in your EHR.
Capture donations during fundraising calls with immediate processing and PCI compliance. Without it, pledged donations go uncollected and donor trust erodes.
Collect deposits, final payments, and recurring fees during service scheduling and follow-up calls. Without it, no-shows and unpaid invoices eat into margins.
Channel Separation disconnects the audio path between agent and customer during payment entry. Customers enter card details on their keypad while the system plays instruction messages to each party separately. Card details are never spoken aloud, and call recordings have no audio gaps.
When it's time to take payment, the call audio between agent and customer is disconnected entirely. Customers enter card details securely on their keypad while the agent hears hold music and progress messages. Recordings have no audio gaps, and sensitive data is never spoken aloud.
Agents can't hear during card entry — the audio path is disconnected. The system provides built-in guidance through consistent audio messages to both parties, so the customer always knows what to do and the agent always knows what's happening.
Because card data never touches your systems, staff, or processes, most PCI DSS requirements that would normally apply no longer do. You typically qualify for SAQ A (22 requirements) instead of SAQ D (329), and you can skip secure-room environments, recording pauses, and the extra controls remote workers usually trigger.
No. The Paytia voice assistant runs consistent, optimized instructions for both customer and agent on every payment, so the process is the same every time.
Typically one day to one week, depending on your telephony setup and integration requirements.
Yes. The recording stays clean for TCPA review because there's never any card audio in it. TCPA rules on consent, time-of-day, and auto-dialers apply to your dialer setup — Paytia handles the card capture leg without ever putting card audio into the recording.
PCI compliance costs are unpredictable and keep moving. Channel Separation gives you a fixed, budgetable cost with Paytia versus the unknown cost of meeting constantly shifting card security requirements. You skip secure rooms, recording pauses, and complex remote-worker controls that drive up operational cost.
Yes. It's ideal for MOTO (Mail Order/Telephone Order) processing. It enables secure card-not-present transactions over the phone by disconnecting the audio path during card entry, keeping you PCI compliant while letting customers complete payment on the call.
Staff can work from anywhere without creating compliance risk. No complex procedures for handling sensitive data, no secure-room protocols, no special training. Your team focuses on customer service rather than security compliance.
We'll show you exactly how Channel Separation works with your phone system in a quick 15-minute call. No pressure, no sales pitch — just a demo. Or call our New York team on +1 628 295 2250.
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