Your customer uses their phone keypad to enter card details. Your agent stays right there on the call, talking to them the whole time. Paytia masks the DTMF tones before they reach your systems, so card data never lands in your recordings or your agent's workstation. Some people call it DTMF masking, some call it DTMF suppression — it's the same thing, and we've been doing it for US businesses since 2014. Call us on +1 628 295 2250.
The call keeps going. Card data doesn't reach you.
Enters card details via phone keypad
Real DTMF tones generated
Real tones
Captures real tones and processes payment securely
Card data stays here — never reaches you
Masked tones
Hears flat replacement tones, stays connected
Zero access to card data
Enters card details via phone keypad
Captures real tones, masks them, processes payment securely
Hears flat replacement tones, stays connected throughout
Lower
Compliance costs
Significant
Annual audit savings
Zero
Card data in your environment
< 1 Week
Typical setup time
“Paytia helped us turn a security exposure and reputational risk into a value-enhancing opportunity. Fundraising has never been more important, and Paytia helped us hit our goals.”
Trinity Hall College
Cambridge University
Trusted by British American Tobacco · Howard Kennedy · CITB · Clinical Partners · Trinity Hall College
Here's what a typical payment looks like, from start to finish.

They reach your payment line or your agent transfers them. Voice prompts walk them through — or the agent does, since they're still on the call.
The customer types their card number, expiration, and CVV on their phone keypad. Paytia masks the tones so nothing sensitive reaches your agent or your recordings.
The transaction goes through in seconds. The customer gets confirmation on the call plus SMS or email, depending on how you've set it up.
Everything you need to take secure phone payments, built into one platform.
Every keypress generates a flat replacement tone. The real card data is captured by Paytia and never reaches your agent or call recording.
Your agent stays on the line while the customer enters their card details. They can help throughout — that's what makes DTMF suppression different from a cold IVR hand-off.
Customers can pay outside business hours too. The IVR handles it — no agent needed for after-hours payments.
See transaction data, success rates, and where customers drop off. All in one place, updated in real time.
Customers get confirmation by voice on the call, plus email or SMS with a reference number. You pick what fits your process.
Works with your existing CRM, billing system, and payment processor. We handle the integration.

Built on infrastructure that meets the highest level of PCI compliance standards. Works alongside HIPAA and TCPA obligations US businesses already carry.
| Requirement | Without Paytia | With Paytia |
|---|---|---|
| PCI Assessment | SAQ D (329 Qs) | SAQ A (22 Qs) |
| Network Security | Extensive | Minimal |
| Call Recording | Complex & Risky | No restrictions |
| Staff Training | Extensive | Minimal |
| Annual Audit Costs | $20,000–$65,000 | $4,000–$10,000 |
Organizations across every US sector use DTMF suppression to protect customers and simplify compliance.
Agents process card payments during calls without ever hearing card data. Works with any contact center platform. Without it, every call recording is a compliance liability — and with TCPA claims on the rise, you don't want extra exposure.
See contact center PCI compliance →
Banks, insurers, and lenders collect premiums, deductibles, and loan payments securely over the phone. FINRA, the FTC, and state regulators expect you to protect customer data — delays invite scrutiny.
Hospitals, clinics, and billing services collect copays and outstanding balances by phone. HIPAA covers PHI, PCI DSS covers card data — DTMF masking keeps both out of your recordings. One breach is catastrophic.
Fundraising teams take donations securely without exposing donor card details. Donors trust you with their money — a breach destroys that trust overnight, and recovery is painful.
DTMF suppression is one part of what we do. Here are the other ways Paytia helps US businesses take payments securely.
Agents stay on the call while customers enter card details securely. Full payment portal with real-time transaction tracking.
Learn more →Send encrypted payment links by email or SMS with Secure Code verification. A strong fit for collections and invoice payments.
Learn more →One-click payment processing from your website or customer portal with fraud detection and 3DS2 verification.
Learn more →Reduce your PCI scope from SAQ D to SAQ A. Our platform handles all card data so your systems never touch it.
Learn more →Accept secure payments during live web chat sessions without exposing card data to chat agents.
Learn more →Securely collect bank details, SSNs, and other sensitive data during phone calls.
Learn more →DTMF suppression masks the audible tones generated when customers press keys on their phone during payment entry, while keeping the agent on the call the whole time. That means sensitive card information can't be overheard by anyone nearby, and agents can still answer questions and help out during the payment. Our system uses proprietary tone masking that removes the risk of card data being heard, without breaking the agent's interaction with the customer.
With DTMF suppression in place, your organization can cut its PCI DSS compliance scope significantly. Card data is masked and never audibly transmitted, so the risk of interception is gone. That lets you classify your agent-assisted payment environment as lower-risk, which usually means lower compliance costs and simpler audits while keeping the same level of security and customer interaction.
Yes. Our DTMF suppression works with most existing phone systems and PBX platforms used by US businesses. We support the major telephony providers and can plug into both on-premises and cloud-based systems. Our technical team will review your current setup and work through the integration with your team.
Our system includes real-time monitoring and fallback mechanisms. If anything goes wrong, it can switch automatically to alternative secure processing or alert our support team. We provide 24/7 monitoring and support so you're not left waiting when something needs attention.
You've got options. Customers can get immediate verbal confirmation during the call along with a unique reference number, plus an email or SMS if you want. The system connects to your existing customer notification tools so confirmations match how you already communicate.
PCI compliance costs are unpredictable and keep shifting. With DTMF suppression you get a fixed, budgetable cost with Paytia instead of the moving target of meeting constantly changing card security requirements. Because card data is masked and not audibly transmitted, your PCI scope drops, which lowers both audit costs and internal overhead.
Fraud and scam awareness are at an all-time high in the US. Customers worry about colleagues, family members, or strangers in public spaces overhearing their card details. That concern leads to abandoned transactions, delayed payments, and lost revenue. DTMF suppression removes the worry entirely — there's nothing to overhear.
Yes, it's a strong fit for MOTO (Mail Order/Telephone Order). It secures card-not-present transactions over the phone by masking the tones during entry, so you stay PCI DSS aligned while keeping the agent-customer conversation intact.
It removes the audible transmission of card data. Because card details are masked and never heard by agents or recorded, businesses can cut PCI DSS compliance scope for MOTO processing — which lowers compliance costs and audit requirements.
You'll see higher abandonment rates, lower conversion, and reduced trust. Customers will find reasons to pay later, switch to a competitor who feels safer, or avoid phone payments entirely. Every abandoned transaction is lost revenue, and every uncomfortable customer is a relationship getting weaker.
We'll show you exactly how DTMF suppression works with your phone system in a quick 15-minute call. No pressure, no sales pitch — just a demo. Call +1 628 295 2250 or book online.
Trusted by law firms, insurers, healthcare providers and regulated businesses worldwide. Learn more about Paytia