Telephone Payments

PCI Compliant Telephone Payments

The safest way to take a card payment over the phone is to keep the card data out of your business altogether. Paytia captures the card on the customer's own keypad and routes it straight to your gateway — agents never hear the digits, recordings stay clean, and your PCI scope drops from SAQ D (329 controls) to SAQ A (22). Two approaches: DTMF Suppression and Channel Separation, both PCI DSS Level 1 certified and TCPA-safe.

Telephone payment solutions

Why take secure phone payments with Paytia?

Phone payments are where most US contact centers leak PCI scope. If your agents hear card numbers, your call recordings probably capture them, and once that happens PCI DSS applies to most of your contact center — not just the payment step. Pause-and-resume recording is fragile. Secure rooms don't work for hybrid teams. Sending customers to a separate link kills the call.

Paytia sits between your phone system and your processor. When it's time to pay, the customer enters their card on their own keypad while still talking to your agent. Our DTMF masking replaces the keypad tones with a flat sound in real time — your agent hears nothing identifiable, your recording captures nothing sensitive, your systems never touch the card. The payment processes through your existing processor (Stripe, Chase, Braintree, Authorize.Net, Adyen, Worldpay), so you keep your merchant account.

Most US businesses are live within days. PCI scope drops from SAQ D to SAQ A, the call experience stays the same for agents and customers, and your call recordings remain safe to pull for TCPA or compliance review.

Frequently asked questions

How does Paytia keep card data away from our agents?

Customers enter their card details on their own phone keypad. Paytia's DTMF masking replaces the keypad tones with a flat audio signal in real time — your agent hears nothing identifiable. The card number, expiration, and CVV go straight to your processor, not through your agent, your call recording, or your systems.

Do we have to change our phone system or processor?

No. Paytia works with any US telephony — VoIP, SIP, PBX, or a full contact-center platform like Genesys, Five9, NICE CXone, or Amazon Connect. It connects to your existing processor (Stripe, Chase, Braintree, Authorize.Net, Adyen, Worldpay) so you keep your merchant account. There's no hardware to install.

Can we still record calls for compliance?

Yes. Because the keypad tones are masked before they hit the line, call recordings stay completely clean. No pause-and-resume, no sensitive data leaking into recordings, no surprises when compliance pulls a recording from archive. TCPA reviews stay simple.

How does this work for outbound collections and payment reminders?

Agents can call customers for collections, renewals, or payment reminders and take the payment on the same call. Because card audio never enters the recording, your TCPA review workflow and your PCI scope both stay clean.

How much does this reduce our PCI DSS scope?

Most businesses drop from SAQ D (329 requirements) to SAQ A (22 requirements). For healthcare clients, it also keeps payment audio out of systems that touch PHI, which makes the HIPAA story much simpler.

Ready to take phone payments the right way?

See Paytia on a call flow that looks like yours. Most US businesses are live within days.

PCI DSS Level 1
TCPA & HIPAA Aligned

Trusted by US law firms, insurers, healthcare organizations and regulated businesses that can't afford to get compliance wrong. Learn more about Paytia