| DTMF Masking | Channel Separation | |
|---|---|---|
| Audio architecture | Single channel, tones masked in real time | Two channels, agent's audio off-line during capture |
| Agent during capture | Stays on the line, can talk customer through | Hears hold music, watches a progress indicator |
| Card data destination | Straight from customer's handset to Paytia | Straight from customer's handset to Paytia |
| What's in the recording | Flat replacement tones, no card data | Hold music on agent leg, no card data |
| Best for | Sales, retention, healthcare billing, complex calls | High-compliance environments, hands-off capture |
| PCI scope outcome | SAQ D → SAQ A (329 → 22 controls) | SAQ D → SAQ A (329 → 22 controls) |
| Telephony required | Any modern CCaaS, PBX, or SIP | Any modern CCaaS, PBX, or SIP |
| Time to live | Days to a week | Days to a week |
| Agent training | One-click capture per call | None — handoff is automatic |
| Also called | DTMF Suppression | — |
Card data never enters your network, your agents, or your call recording. Both products run on the same PCI DSS Level 1 Paytia platform and connect to the same US payment gateways — Stripe, Chase Payment Solutions, Braintree, Authorize.Net, Adyen, Worldpay, and others.
Both move you from SAQ D (329 controls) to SAQ A (22 controls). Both work with any modern US contact-center platform — Genesys Cloud, Five9, Amazon Connect, NICE CXone, 8x8, RingCentral, Talkdesk, traditional PBX, and plain SIP trunks. Both go live in days.
Switching from one to the other later is a configuration change, not a re-implementation. So if you start with DTMF Masking and your audit team later asks for Channel Separation, you're not rebuilding anything.
Two products. They share the same outcome — card data never enters your business — but the underlying audio architecture is different. DTMF Masking (also called DTMF Suppression) keeps a single audio channel and strips the keypad tones in real time. Channel Separation splits the call into two channels and takes the agent off-line during capture. Both are sold and supported separately, but most US customers only need one.
Both deliver the same compliance outcome — SAQ A, no card data on your network, no card data in recordings. Channel Separation gives audit teams a stronger story because the agent's audio path is physically off-line during capture, which some HIPAA security officers and bank audit teams prefer to see in evidence. The actual scope reduction is identical.
Yes. Both run on the same Paytia platform with the same gateway integration. Switching is a configuration change, not a re-implementation.
Both work with any modern US telephony — Genesys Cloud, Five9, NICE CXone, Amazon Connect, RingCentral, 8x8, Talkdesk, traditional PBX, and plain SIP. We'll review your setup before recommending one over the other.
Per-transaction pricing is the same. Setup effort is similar — most customers go live within a week on either product. Talk to us about a quote based on your call volumes.
Tell us about your telephony and how your agents work today. We'll recommend one and demo it on a call flow that looks like yours.
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