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.
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.
When the customer is already on the phone, sending a payment link can break the sale. Pay by Call enables secure PCI-compliant voice payments and helps recover Pay by Link transactions that were not opened, abandoned or expired.
The future of Agentic Commerce will not depend only on Trusted Agents or Verifiable Intent. For voice to become a real transactional channel, payments must be executed securely, compliantly and with strong authentication inside the conversation.
Secure Agentic Voice Commerce representa la evolución del canal voz como entorno transaccional seguro para pagos asistidos por IA, contact centers e IVR. Pay by Call, mediante su plataforma PCIaaS PaybyCall y PBC 3DS, permite ejecutar pagos IVR seguros, certificados y sin fricción, con autenticación SCA/3D Secure nativa en voz y sin exposición de datos de tarjeta.
PBC 3DS removes PSD2 friction in voice payments by enabling SCA authentication within the same call, without redirects, web links or channel switching.
Pay by Call and Comercia Global Payments have reached a preferred partnership agreement to accelerate the deployment of secure voice payments in enterprises and contact centers. The alliance combines Comercia’s operational speed with Pay by Call’s expertise in secure IVR, PBC 3DS and conversational AI to reduce friction, abandonment and dependence on traditional Pay by Link flows.
Pay by Call SL sets a new industry standard by patenting PBC 3DS, the only technology capable of integrating native 3D Secure into the voice channel. Combined with Empathic Conversational AI, we solve the PSD2 security gap for Public Administrations and large corporations, eliminating payment friction and abandonment.
