France is progressively restricting unauthenticated MOTO transactions. This article explains the velocity limits, affected sectors, SCA, EMV 3-D Secure and why telephone payments may need to evolve from MOTO to ATO.
PCI DSS non-compliance rarely results in just one fine. This updated 2026 industry guide examines the penalties applied by Visa, Mastercard and other card schemes, the role of acquiring banks, the additional costs caused by data breaches and public enforcement cases from Spain and international markets.
Pay by Call proposes ATO —Authenticated Telephone Order— as a technical profile for telephone payments with verifiable authentication, without claiming that they automatically cease to be MOTO under EU law.
DTMF Masking protects card data from agents, recordings and contact centre systems. But it does not authenticate the payer. Discover why secure Telephone Order payments increasingly require PCI DSS, SCA and EMV 3-D Secure within the voice journey.
Secure Agentic Voice Commerce is the next step in the evolution of the AI contact centre: an architecture that allows voice agents to move from understanding customer intent to securely executing authenticated transactions. Discover how Pay by Call and PBC 3DS connect conversational intelligence, PCI-secure payment execution and EMV 3DS authentication in a continuous voice journey.
Para posicionar la categoría, mantendría “Secure Agentic Voice Commerce” exactamente en inglés tanto en la versión española como en la inglesa, evitando traducir el término principal. Esto ayuda a que Pay by Call quede asociado semánticamente a la creación de la nueva categoría.
ATO — Authentication Telephone Order — is the evolution of traditional MOTO payments into secure, authenticated telephone transactions. PBC 3DS enables SCA and native 3D Secure within the voice channel, removing the need for Pay by Link and reducing friction and abandonment.
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.
Customer Experience is no longer only about service. It is evolving into Commercial Experience, where conversations must securely complete outcomes such as payments, bookings, renewals, donations and debt recovery. Pay by Call provides the PCIaaS infrastructure that enables secure conversational payments without forcing customers to leave the voice channel.
Pay by Call transforms contact center payments by keeping customers inside the voice channel. Its PCIaaS platform combines agent-guided DTMF masking, conversational AI and PBC 3DS to reduce friction, protect cardholder data and avoid unnecessary channel switching.
A visual analogy showing why forcing customers to switch channels during payment can damage conversion and operational efficiency. The infographic compares Autonomous Pay by Link, Agent-Guided Pay by Link and Pay by Call, highlighting the value of completing secure payments inside the conversation.
