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Technology built to secure the voice channel without breaking your existing architecture​

Pay by Call technology combines cloud-native infrastructure, its own telco backbone, a PCI DSS Level 1–certified IVR, alignment with ENS High requirements, and native integrations with PSPs, PBXs, BPOs and contact center platforms.​​​
On top of this, it adds a unique differentiator: PBC 3DS, truly native 3D Secure in the voice channel.

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Cloud-native architecture built to scale and expand internationally​

Pay by Call runs on a cloud-native architecture deployed on Google Cloud Platform, with 99.99% high availability, designed to grow without friction, reduce physical-infrastructure risk and absorb traffic spikes without complex local hardware.​
This approach combines scalability, operational resilience, international expansion and cost efficiency in environments where service continuity is critical.​​

The cloud is not a technical add-on; it is the foundation that lets the platform operate with elasticity, fast deployment and lower exposure to operational risk.​​

Pay by Call is registered with the CNMC as a telecommunications operator, which enables it to design telephone payment as a fully controlled end-to-end flow, from call setup to transaction completion.​​
In these scenarios, the architecture combines telco infrastructure (SBC) with a secure IVR and a PCI DSS Level 1–certified platform, ensuring that the only environment processing card data is Pay by Call’s, keeping all other systems out of PCI scope.​

This technology base is one of the reasons why Pay by Call can offer a deeper, more specialized approach than generic IVR solutions.​​

Technology engineered from the logic of the voice channel​

Technology built to coexist with the client’s ecosystem​

A core pillar of the platform is its ability to integrate with the client’s existing PSP, PBX, CCaaS or BPO stack.​​​
Pay by Call does not replace existing architecture; it adds the specialized secure IVR payment layer, reducing technical friction and accelerating delivery.​​

Over time, the accumulation of connectors, reference configurations and production experience turns this interoperability into a significant technological and operational barrier to entry.​​

Pay by Call’s architecture combines a secure IVR with PSD2 / 3D Secure 2.x directly in the telephone channel.​​​
The user enters card details in the certified IVR environment, while strong customer authentication is completed through the issuer’s usual channel—banking app, SMS OTP or push notification—without ever leaving the call.​

This capability, commercialized as PBC 3DS, is already live, and its specific telephone-channel authentication method is in the process of patent protection in Spain, with an international PCT filing underway.​​

  • 3D Secure natively in the voice channel
  • No redirection to an external web page
  • Fewer drop-offs
  • More operational continuit
  • Stronger protection against fraud, repudiation and chargebacks
Explore PBC 3DS

PBC 3DS: strong authentication without taking users out of the call

Ready for the next generation of AI-guided payments​

Pay by Call’s technology roadmap includes the progressive incorporation of conversational AI to improve user experience, reduce errors, guide interactions more effectively and increase conversion rates.​​
Crucially, this AI layer remains strictly separated from the secure IVR layer where card data is captured, allowing UX innovation without expanding PCI DSS scope.​

AI adds orchestration and experience; the certified IVR maintains security and isolation of sensitive data.

Pay by Call technology is built for environments where simply “working” is not enough; organizations must prove control, traceability and responsiveness.​​
That is why it incorporates detailed event logging, continuous monitoring, strong support for audits, robust log management and the ability to configure different flows depending on transaction results or service context.​​

Continuous monitoring and operational control​

Pay by Call technology goes beyond processing payments by phone.​
It is designed to turn the voice channel into a secure, integrable, scalable transactional environment that can evolve with the market.​​
Cloud infrastructure, telco DNA, advanced compliance, real interoperability, PBC 3DS and conversational AI come together in a coherent architecture built for mission-critical use cases.​​​

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Certified Institutional Level Security

PCI DSS Level 1:

The most demanding standard in the global payments industry

ENS High Category:

Essential certification for working with the Spanish Public Administration

Telecom Operator:

Optional enhanced call security guarantee

Resilience:

Cloud architecture on Google Cloud with 99.9% availability