Telephony Call Flows

Telephony call flow configuration

In order for Paytia to capture sensitive business and identity data during telephone calls, it must be active on a telephone call. Two proven telephony connection modes for Digital SIP and Analogue PSTN call forwarding.

  • Dual Mode — full audio control between call legs
  • Single Mode — simple inbound call handling
  • Digital SIP connectivity
  • PSTN call forwarding
  • Channel Separation and DTMF Suppression
  • Conference Pay for PABX systems
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At a glance

6

Connection methods

5 min

Fastest deployment

Level 1

PCI DSS certified

99.99%

Platform uptime

Dual Mode — full audio control between call legs
Single Mode — simple inbound call handling

How telephony connection works

Dual Mode · Single Mode · SIP · PSTN

1

Choose Connection Mode

Select Dual Mode for full audio control (Channel Separation/DTMF Suppression) or Single Mode for conference-based integration (Conference Pay).

2

Configure Connectivity

Connect via SIP for modern digital systems or PSTN call forwarding for traditional infrastructure.

3

Activate Payment Services

Once telephony is connected, activate Channel Separation, DTMF Suppression, or Conference Pay on the call.

PCI compliance taking payments over the phone

Our secure telephony platform eliminates compliance complexity. Multiple connection methods ensure complete PCI-DSS compliant phone payment processing with zero compliance burden on your business.

Secure Call Routing

Complete PCI-DSS Level 1 compliance ensures all payment data remains protected throughout the call routing process.

Complete Data Protection

Business calls route through Paytia's secure platform, enabling payment capture without exposing sensitive card data to your telephony infrastructure.

Regulatory Compliance

No card details are seen or heard by staff, ensuring complete customer payment data security and regulatory compliance.

Seamless Experience

Secure payments during calls without disruptions to the customer conversation flow or business operations.

Connectivity options

Choose the connectivity method that best fits your infrastructure

Digital SIP

Session Initiation Protocol

Paytia's proprietary SIP technology stack can be adapted to meet any telephony connection scenario with advanced call control integration.

SIP Call Back URI

Pass the SIP endpoint Paytia should route received calls back to. Enables flexible call routing and return paths for dual mode operation.

X-Paytia-Pbx1 SIP Header

Pass additional routing information or call control settings to Paytia. Can be extracted and used on call leg 1, or relayed back to sender on call back call leg 2 route.

Advanced Integration

SIP headers enable much more integrated call control — perfect for modern cloud platforms, unified communications, and digital contact centres.

PSTN Call Forward

Traditional Analogue

Direct dial telephone numbers for simple, reliable connectivity over traditional analogue infrastructure.

Business Account Level

Direct dial numbers assigned at business account level for centralised call routing. All calls from your business forward through your dedicated Paytia number.

Agent/User Level

Individual numbers are assigned on Paytia per agent/user for granular call routing. Each user forwards their customer call leg to Paytia. Paytia receives the call and forwards it back to the agent/user's own DDI number.

Traditional Infrastructure

Works with legacy PBX systems, traditional phone lines, and mixed technology environments. No SIP infrastructure required.

Three payment capture methods

How each payment service works during a telephone call

1

Channel Separation (Audio Disconnect During Entry)

Agent & Customeron CallAgent StartsCaptureAgent HearsHold Music + ProgressCustomer EntersPAN, MMYY, CVVAudio RejoinsConversation Continues✓ No Sensitive Data Spoken or Overheard• Customer never reads card details aloud• Agent hears hold music (recorded without gaps)• Maximum PCI scope reduction — zero training required• Works with SIP and PSTN connectivity
2

DTMF Suppression (Agent Stays Connected; Tones Masked)

Agent & Customeron CallAgent Starts Capture(Remains Connected)Customer Enters DataDTMF Tones MaskedAgentContinuesAgent Remains Connected Throughout✓ Continuous Agent Support with Complete Security• DTMF keypad tones completely masked — not audible or recorded• Agent can assist customer throughout payment process• Equivalent PCI scope reduction to Channel Separation• Works with SIP and PSTN connectivity
3

Conference Pay (Conference in Paytia; Agent-Assisted)

Agent & Customeron CallAgent PutsCustomer on HoldAgent ConferencesPaytia Number(Third Party)Agent EntersAgent ID(Authentication)Agent BringsCustomer BackAgent PressesStart Capture in UIBoth HearPaytia PromptsCustomer Enters DataPaytia Processes& Drops fromConferenceAgent & CustomerContinue Conversation✓ No Telephony Integration Required• Uses existing PBX conference feature • Fast deployment • Perfect for mixed/legacy estates • Works with SIP and PSTN

Telephony call flow diagrams

SIP sequence diagrams showing how Paytia connects to your telephony infrastructure

Dual Mode Call Flow

Paytia controls audio between two call legs (Agent ↔ Paytia ↔ Customer)

AgentCall Leg 1PaytiaAudio ControlCustomerCall Leg 21INVITE (SIP/PSTN)INVITE (SIP/PSTN)200 OK200 OKBoth call legs established — Paytia sits in the middleAgent and Customer connected via Paytia2RTP AudioRTP Audio (forwarded)RTP AudioRTP Audio (forwarded)Paytia passes audio through normallyBoth parties can hear each other3Start Payment (DTMF/API)Paytia Takes Control of AudioChannel Separation: Disconnects audio between legsDTMF Suppression: Masks keypad tones4Hold Music + ProgressPayment PromptsDTMF (Card Details)Agent and Customer hear different audio — Full control

Single Mode Call Flow

Paytia answers single inbound call leg (Conference Pay, API+SIP Headers, Self-Service IVR)

AgentCustomerPBXConferencePaytiaInbound1Call ConnectedAgent and Customer on normal call2Place on Hold3Conference Paytia NumberINVITE200 OKPaytia joins as third party — Single inbound call leg4DTMF (Agent ID)Agent authenticates via keypad5Resume CallAll three parties now on conference call6Start Capture (UI Action)Payment Prompts (All Hear)DTMF (Card Details)Paytia processes on single inbound leg — Agent can hear tones

Telephony mode controls

Configurable controls to manage call completion behaviour

Answer and Ring Tone

Answer call leg 1 and play ringing tone to the caller while establishing connection. Provides familiar audio feedback during call setup.

Configurable Delay

Set delay (in seconds) between receiving call leg 1 and starting call leg 2. Ensures phone systems have time to clear agent's call before return call.

Auto-Disconnect

Drop call legs when transaction completes. Paytia auto-disconnects when request finishes, leaving host phone system back in control of active call legs.

Multi-Endpoint Routing

Try multiple endpoint trunk routes in linear order for disaster recovery. Automatic failover ensures call completion even if primary routes fail.

Payment services activation

After your telephony is connected to Paytia using either Dual Mode or Single Mode, you can activate secure payment capture services on the call:

Key differences

Single Mode

  • Single inbound call leg to Paytia
  • Paytia reacts to incoming tones
  • Conference Pay (agent + customer)
  • API + SIP Headers (agent ID in header)
  • Self-Service IVR (customer only)
  • No call routing changes needed

Dual Mode

  • Two separate call legs through Paytia
  • Full audio control over both sides
  • Can disconnect audio between parties
  • Can play different audio to each party
  • Requires call routing through Paytia
  • Enables Channel Separation and DTMF Suppression

Six telephony connection methods

Ranging from enterprise-grade SIP interconnectivity to simple call forwarding solutions.

Digital SIP Interconnectivity

Enterprise1–4 weeks

Enterprise-grade telephony integration through Session Initiation Protocol connections with direct carrier integration and seamless agent experience.

No changes to business phone numbers
Enterprise-level scalability
Direct carrier integration
Custom SIP header support

Call Forwarding

Simple5 minutes

Simple call forwarding to Paytia numbers for immediate payment processing with quick setup and cost-effective implementation.

Quick and easy setup
Works with any phone system
No infrastructure upgrades needed

SIP Call Forwarding

Intermediate1–2 weeks

Hybrid SIP forwarding for remote and mobile payment scenarios with secure payments on mobile and remote devices.

Digital SIP calling
Transparent voice service
Seamless integration

Conference Pay

Advanced5–10 minutes

Conference Pay uses phone system conference calling functionality to bring Paytia into the active call for payment capture.

PABX system integration
Conference call support
Multi-party payment capture

Multi-Site Delivery

Enterprise1 day–1 week

Distributed call delivery across multiple business locations with comprehensive disaster recovery and business continuity.

Multi-location support
Disaster recovery
Business continuity planning

Agent Call Return

Simple10 minutes

Agent Call Return uses blind call transfer to send the customer call leg to Paytia. Paytia returns the customer call back to the agent by calling their direct dial number.

PABX system integration
Blind/unattended call transfer
Multi-party payment capture

Which connection method is right for you?

Selecting the optimal telephony connection method depends on your business size, technical infrastructure, and compliance requirements.

Small BusinessesTransfer/Conference and Call Forwarding
Medium BusinessesCall Forwarding and SIP Call Forwarding
Large EnterprisesDigital SIP Interconnectivity
Contact CentresConference Pay
Multi-LocationMulti-Site Delivery

Security and compliance

End-to-End Encryption

All call data encrypted throughout the entire payment capture process.

Real-Time Fraud Detection

Advanced fraud protection with instant threat identification and prevention.

Secure Payment Tokenization

Payment data tokenized immediately upon capture for maximum security.

Comprehensive Audit Trails

Complete audit logging for compliance and security monitoring.

Frequently asked questions

What is the difference between Dual Mode and Single Mode?

Dual Mode means Paytia sits between two call legs (Agent and Customer) with full control over audio on both sides — used for Channel Separation and DTMF Suppression. Single Mode means Paytia answers a single inbound call leg as a third party — used for Conference Pay.

Which connectivity option should I choose — SIP or PSTN?

Choose SIP for modern cloud-based telephony platforms, unified communications, and digital contact centres. Choose PSTN call forwarding for traditional PBX systems, legacy infrastructure, or mixed technology environments. Both support Dual and Single mode configurations.

Can I switch between Dual Mode and Single Mode?

Yes, your telephony infrastructure can support both modes simultaneously. The mode used depends on which payment capture service you activate on each call — Channel Separation/DTMF Suppression use Dual Mode, while Conference Pay uses Single Mode.

Does Dual Mode require changes to my call routing?

Yes, Dual Mode requires calls to be routed through Paytia so it can sit between the two call legs. This is typically done through SIP configuration or PSTN call forwarding rules. Single Mode requires no routing changes — agents simply conference Paytia in when needed.

How quickly can telephony connectivity be configured?

SIP connectivity typically takes 1–3 days for configuration and testing. PSTN call forwarding can usually be set up within 1 day. Our technical team will guide you through the process and handle most of the configuration.

What happens if I'm already using SIP trunks?

If you have existing SIP trunks, we can integrate Paytia into your existing configuration for Dual Mode operation, or provide a separate inbound number for Single Mode (Conference Pay). Our team will work with your SIP provider to ensure seamless integration.

Why choose Paytia's telephony platform

Enhanced security, regulatory compliance, and improved customer experience. Each connection method offers unique benefits for secure, PCI-DSS compliant phone payment solutions.

Global Reach

Worldwide telephony connectivity with local presence in key markets.

Instant Deployment

Rapid deployment options from same-day to enterprise implementations.

Expert Support

Dedicated telephony specialists for integration planning and support.

Ready to configure your telephony connection?

Our technical team will help you choose the right connection mode and connectivity option for your infrastructure and business requirements.