Real-time payments without risk. Channel Separation lets your business take secure payments while the customer is still on the call. Instead of asking them to read out their card details, they simply use their phone keypad. Ideal for MOTO payment processing.
Call Audio Separation
Audio between agent and customer is separated for maximum security
Secure Keypad Entry
Customer enters card details via keypad guided by Paytia voice assistant
Agent Remains Connected
Agent never hears sensitive data but stays connected to the call
87%
PCI scope reduction
<90s
Payment time
Zero
Infrastructure changes
99.99%
Uptime
Every time a customer hesitates to give card details over the phone, you lose revenue. Every time an agent has to pause call recording or move to a secure room, you lose efficiency. Every time you chase invoices because you could not take payment during the call, you lose cash flow. Channel Separation eliminates all three problems simultaneously for secure MOTO payments and telephone payment processing.
Lost Revenue
Customers who hesitate to share card details over the phone
Lost Efficiency
Agents pausing recordings and moving to secure rooms
Lost Cash Flow
Chasing invoices instead of taking payment during the call
Channel Separation delivers immediate business value by eliminating the hidden costs of insecure phone payments while capturing more revenue through improved customer experience.
No more waiting for invoices to be paid. Customers pay during the call, improving your cash flow and reducing administrative overhead. Eliminate the risk of unpaid bookings and cancellations.
Reduce your PCI DSS compliance requirements by 87% because sensitive data never touches your systems. Eliminate the need for secure rooms, call recording pauses, and complex staff controls.
Ensure call recordings have no audio gaps while preventing bad actors from asking for card details to be repeated verbally. Professional hold music and progress messages maintain recording quality.
Built-in system training through consistent audio messages means no agent training required. Guarantees a professional process every time with no gaps in conversation or recordings.
Other methods, like pausing call recordings or DTMF masking, rely on staff remembering extra steps. Channel Separation removes that risk entirely.
The Paytia voice assistant provides optimised instructions to both customer and agent during every payment.
Comfort messages keep the agent and the call recording active, so there are no silent gaps or confusion.
No chance of card details being spoken aloud. Customers enjoy privacy while agents focus on customer support.
A consistent, professional process every time with no gaps in conversation or recordings.
Customers enjoy privacy while agents remain connected to provide support throughout the entire process.
Connect with CRM, ERP, billing systems, and payment processors for streamlined operations.
Built on infrastructure that meets the highest level of PCI compliance standards.
| 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 & risky | No restrictions |
| Staff Training | Extensive | Minimal |
Different approaches to securing phone payments have different trade-offs. Here is why Channel Separation is the most complete solution.
| Feature | Pause/Resume | DTMF Masking | Channel Separation |
|---|---|---|---|
| Agent training required | Yes | Yes | No |
| Recording gaps | Yes | No | No |
| Card details spoken aloud | Yes | Possible | No |
| Agent hears card data | Yes | Masked tones | No |
| Consistent every time | No | Depends on agent | Yes |
| Remote worker safe | Complex | Yes | Yes |
When an agent dials the telephone keypad keys 7 2 9, Paytia separates the call audio and plays instruction messages to the customer and agent separately, at the same time. The agent is guided through service setup and the customer is guided through transaction confirmation, followed by secure card capture. Once capture is completed the transaction is processed and the secure audio mode is exited. The agent and the customer then complete the call together.
Channel Separation is ideal for MOTO payment processing (Mail Order/Telephone Order). It enables secure card-not-present transactions over the phone by disconnecting audio paths during payment entry, ensuring PCI DSS compliance while allowing customers to complete payments during the call.
Without proper phone payment security, you face increasing compliance costs, customer trust issues, and operational inefficiencies. Every year, PCI requirements become more complex and expensive to meet. Every customer who hesitates to pay over the phone represents lost revenue. Every agent who has to pause recordings or move to secure rooms represents lost efficiency.
PCI compliance costs are unpredictable and keep changing. With Channel Separation, you get a fixed, budgetable cost with Paytia versus the unknown cost of trying to meet constantly changing card security compliance requirements.
When card data never touches your systems, you eliminate entire categories of security controls, monitoring, and compliance overhead.
Staff can work from anywhere without creating compliance risks. No more complex procedures for handling sensitive data, no secure room protocols, no special training requirements, and no fear of accidentally exposing card information.
Your team can focus on customer service and sales rather than security compliance. Processes become streamlined and natural rather than constrained by security requirements.
Channel Separation helps MOTO payment compliance by ensuring card data never touches your systems, staff, or processes. Since sensitive payment information is completely isolated during MOTO payment processing, businesses can reduce PCI DSS compliance requirements by 87%, eliminating the need for secure rooms, call recording pauses, or complex staff controls.
Channel Separation provides comprehensive security benefits that protect your business, your staff, and your customers.
Channel Separation serves businesses across multiple industries where phone-based payments are essential to operations.
Take payments during customer service calls, process refunds and exchanges, and handle order amendments with immediate payment capture.
Collect patient co-pays, process outstanding balances, and handle treatment payment plans during phone consultations.
Process tuition fees, course payments, and donations during phone conversations with parents and students.
Capture donations during fundraising calls with immediate payment processing and PCI compliance.
Enable agents to take payments during any customer interaction without additional training or secure room requirements.
Collect deposits, final payments, and recurring fees during service scheduling and follow-up calls.
Implementing Channel Separation is straightforward. Most businesses are up and running within one week with no hardware changes required.
We assess your current phone system, payment volumes, and compliance requirements to recommend the best setup.
Paytia configures Channel Separation to work with your existing telephony -- landline, VoIP, PBX, or contact centre platform.
Comprehensive end-to-end testing ensures everything works perfectly before going live. We test with your actual phone system.
Switch on Channel Separation with full support. No agent training required -- the Paytia voice assistant handles everything.
Channel Separation processes payments through your existing payment gateway. No switching, no new merchant accounts, no changes to your banking arrangements.
Channel Separation disconnects the audio path between agent and customer during payment entry. Customers enter card details using their phone keypad while the system plays instruction messages to each party separately. This prevents card details from being spoken aloud and ensures call recordings have no audio gaps.
When it is time to exchange payment details, the call audio between agent and customer is completely disconnected. Customers enter card details securely using their keypad while the agent hears hold music and progress messages. Call recordings have no audio gaps, and sensitive data is never spoken aloud.
Agents cannot hear during card entry as the audio path is disconnected. However, the system provides built-in guidance through consistent audio messages to both parties. The agent hears hold music and progress messages, while the customer receives clear instructions.
Because sensitive card data never touches your systems, staff, or processes, your PCI DSS compliance requirements are reduced by 87%. This eliminates secure room environments, call recording pauses, and extra controls for remote workers.
No training is required. The Paytia voice assistant provides consistent, optimised instructions to both customer and agent during every payment, guaranteeing a professional process every time.
Channel Separation can typically be implemented within 1 day to 1 week, depending on your existing telephony setup and integration requirements.
Any business taking phone payments benefits, including retail, healthcare, education, charities, contact centres, and service providers. It is particularly valuable for organisations wanting to eliminate invoice chasing and capture immediate payments.
PCI compliance costs are unpredictable and keep changing. With Channel Separation, you get a fixed, budgetable cost with Paytia versus the unknown cost of trying to meet constantly changing card security compliance requirements. You eliminate the need for secure rooms, call recording pauses, and complex staff controls that drive up operational costs.
Yes, Channel Separation is ideal for MOTO payment processing (Mail Order/Telephone Order). It enables secure card-not-present transactions over the phone by disconnecting audio paths during payment entry, ensuring PCI DSS compliance while allowing customers to complete payments during the call.
Staff can work from anywhere without creating compliance risks. No more complex procedures for handling sensitive data, no secure room protocols, no special training requirements, and no fear of accidentally exposing card information. Your team can focus on customer service rather than security compliance.
Join hundreds of organisations that have simplified compliance, reduced costs, and improved security with Paytia Channel Separation.