PAYbyCALL
Contact

Day: 4 July 2026

The Rebirth of Secure MOTO Payments: From Regulatory Exception to Authenticated Telephone Order

AYBYCALL infographic showing the evolution from traditional MOTO payments to secure authenticated telephone payments with PBC 3DS, 3-D Secure and voice commerce.

MOTO payments, especially Telephone Order, remained outside the PSD2 SCA perimeter because they were not considered electronic transactions and because applying 3-D Secure inside a phone call was historically impractical. Pay by Call proposes overcoming that exception with PBC 3DS, evolving Telephone Order into a secure, authenticated and voice-native payment channel ready for the future of Voice Commerce.