Discover how Pay by Call is transforming traditional MOTO transactions into Authenticated Telephone Orders (ATO). With PBC 3DS (patent pending), businesses can authenticate phone payments using EMV 3-D Secure and benefit from liability shift protection against eligible fraudulent chargebacks, without sending payment links or changing their existing bank or contact center infrastructure.
How many sales does your eCommerce business lose because customers would rather speak before paying? Discover PBC Pay by Web, Pay by Call’s solution for adding “Pay by Phone” to your checkout through a PCI DSS-secure call assisted by conversational AI or a human agent. With PBC 3DS (patent pending), customers can authenticate during the call, without Pay by Link or changing their existing PSP. More accessibility, greater confidence and new opportunities to improve conversion.
Brazil has standardised EMV 3D Secure, Mexico penalises unauthenticated payments, and the phone channel still lacks both data and authentication. We analyse the 2023–2025 figures and how to move from MOTO to ATO.
The European MOTO payments market remains economically significant, with 648.8 million transactions and €57.6 billion in value in 2025. This Pay by Call analysis compares domestic and worldwide issuer views across the EU and examines how the channel can evolve toward stronger security and authentication.
PCI DSS protects card data, but it does not authenticate the cardholder. Discover why telephone payments must evolve from MOTO to ATO by combining PCIaaS and EMV 3-D Secure within the same call.
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.
