Run collections, renewals and patient balance reminders across every channel your customers actually use — and take the payment on the same call, text, or message. Card data flows straight to Paytia on a PCI DSS Level 1 path, with TCPA-aware SMS gating and HIPAA-friendly workflows for healthcare billing.
Outbound on every channel, payment capture on ours
When we say outbound payments, we mean four things bundled into one capability: voice collections calls where your agent takes the card without ever hearing the digits, SMS payment links sent through our Payment Links product, WhatsApp Business payment requests delivered over our web chat infrastructure, and scheduled email reminders and dunning from PayChase.
All four share the same backbone. Consent gets captured before anything goes out. The customer pays on the channel you contacted them on — no app to install, no portal to log into. And the card details travel on a separate path straight to Paytia, so your team, your tools, and your recordings stay out of PCI scope.
We don't operate the dialer for you. Voice dialing still runs through your own phone system — Five9, Genesys, Amazon Connect, NICE, Talkdesk — whichever CCaaS platform your contact center already uses. Paytia sits on the payment capture layer, which is the part that's hard to get right.
Pick whichever fits the conversation. Mix and match across the same customer — a call first, an SMS nudge the next day, an email reminder the week after.
Your agent places the call through whatever dialer you already run — Five9, Genesys, Amazon Connect, NICE, Talkdesk, it doesn't matter. When it's time to take the card, we step in and capture the payment directly from the customer's keypad. The agent stays on the line, the agent never hears the digits.
Send a branded payment link by text. The customer taps, lands on a PCI DSS Level 1 page, and pays. Runs on our Payment Links product with TCPA-aware consent gating on every send, and every message can carry a Paytia Secure Code so the recipient knows the text is genuinely from you.
Same payment link model, delivered through WhatsApp Business. Runs on our web-chat-payments infrastructure, so the experience feels like a real conversation rather than a broadcast. Handy for customers who live on WhatsApp — and for cross-border collections where SMS gets expensive.
PayChase handles the scheduled side — reminder emails, dunning sequences, subscription renewal chasers, and follow-up nudges. You set the cadence, we send from your domain with your branding, and every email carries a link that settles the balance in about a minute.
Before anything goes out, we record the lawful basis for contacting that customer — prior express written consent for marketing SMS or pre-recorded calls to wireless under TCPA, or the applicable exemption for transactional contact. Source, date, channel, all logged before the first send.
Your team queues up the outbound — a voice call through your own dialer, an SMS through our CTIA-compliant gateway, a WhatsApp message through the Business API, or a scheduled email. Paytia doesn't replace your phone system; we bolt on to it.
On a voice call the customer keys their card into their own phone keypad. On SMS, WhatsApp, or email they tap the link and pay on a branded PCI-compliant page. No app to install, no portal to log into, no bounce.
We intercept the PAN and CVV before they can touch your systems. Your agents never see them, your CRM never stores them, your call recordings never capture them. Keeps your PCI scope small and your FTC Safeguards Rule obligations easier to meet.
The TCPA (47 USC §227) is the big one for outbound. Prior express written consent is the standard for marketing calls and SMS to wireless numbers, and class-action exposure for getting it wrong is well documented. We gate every send on a valid consent record, log STOP and unsubscribe handling automatically, and keep the audit trail you'd need if a claim ever came in.
On voice, STIR/SHAKEN governs call attestation — your dialer signs the call so carriers don't label it as likely spam. That's a telephony-side setting on your CCaaS platform, not something Paytia controls, but we'll coordinate with your telephony team so the payment capture step doesn't break your attestation.
For third-party collections work, the FDCPA adds its own guardrails — the permitted contact hours, the required disclosures, the restrictions on what you can say in a voicemail. PayChase cadences are built so you can keep them inside the lines.
SMS specifically falls under the CTIA Messaging Principles and Best Practices for short codes and 10DLC campaigns. We handle the carrier registration side and keep message content within the guidelines so your traffic doesn't get filtered.
On the payment data layer itself, the FTC Safeguards Rule and PCI DSS Level 1 apply. Card data never lands on your systems, which shrinks your Safeguards Rule scope and keeps your PCI assessment narrow. For healthcare billing, our workflows are HIPAA-friendly — patient payment data is segregated from PHI and we'll sign a BAA where it's needed.
Accounts-receivable and debt collections. The bread-and-butter use case. Your team works through an aged AR list, calls go out through your own dialer, and when a customer agrees to pay you're ready with a PCI-safe capture path on the same call — or an SMS link if they'd rather pay after they've hung up. Recoveries go up when the friction disappears.
Medical patient balance reminders. US healthcare providers carry a lot of patient responsibility on the books after insurance adjudication. HIPAA-friendly SMS and email reminders with a secure link lift self-pay collection rates without pulling staff into another round of statements. We'll sign a BAA and segregate payment data from PHI so compliance stays clean.
Subscription renewal chasing. Cards expire, payments fail, subscribers drift. PayChase runs the dunning sequence — a first reminder, a second, a final notice — with a one-click link in every message so renewing takes thirty seconds. We've seen involuntary churn drop by double digits on clean campaigns.
Missed-appointment deposit recovery. Medical practices, professional services, trades. When someone no-shows and you're owed a deposit under your terms, an SMS or WhatsApp payment link gets you paid faster than another outbound call. The customer settles it in a minute, you move on.
Book a demo and we'll walk you through the voice, SMS, WhatsApp and email flows end to end. Or call us on +1 628 295 2250. You can also explore payment links and telephone payments.