The PCIaaS layer that turns the voice channel into a secure, authenticated payment environment ready for Conversational AI.
Pay by Call, S.L. is a technology company specialized in orchestrating secure payments across the voice channel. To achieve this, it has developed PaybyCall, a PCIaaS (PCI Compliance as a Service) platform that seamlessly integrates security, compliance, and authentication into the customer’s existing infrastructure, acting as a technology layer between the contact center and its PSP.
We help companies, Public Administrations, BPOs, contact centers, and PSPs manage voice payments with high levels of security and traceability, protecting card data while reducing the contact center’s PCI DSS scope. At the same time, we prepare the voice channel to evolve from traditional MOTO payments towards ATO (Authenticated Telephone Order) — an authenticated form of MOTO — and the new generation of Secure Agentic Voice Commerce powered by Conversational AI.
Pay by Call, S.L. is a Spanish technology company specialized in securing and authenticating payments made through the voice channel, both in interactions handled by human agents and in the new generation of experiences powered by Conversational AI.
Its PaybyCall platform provides a PCIaaS layer that turns PCI DSS compliance into a cloud-based, scalable, and integrable service for companies, BPOs, PSPs, and contact center platforms.
Unlike a general-purpose payment gateway, PaybyCall is not designed to replace the customer’s PSP, bank, PBX, CCaaS platform, or BPO. It integrates with the existing architecture to solve a specific challenge: how to process secure payments through the voice channel without exposing card data to agents, call recordings, corporate systems, or Conversational AI agents.
Built on top of this technology layer, Pay by Call has developed PBC 3DS, a proprietary patent-pending method that enables strong SCA/3D Secure authentication for telephone payments, keeping the call as the primary channel and without requiring the user to be redirected through an external payment link.
This capability enables the evolution from traditional MOTO towards an authenticated MOTO model that Pay by Call refers to as ATO — Authenticated Telephone Order: payments initiated through the telephone channel in which the payer can be authenticated via 3D Secure using the method defined by their issuing bank, such as a banking app, push notification, SMS OTP, or other authentication mechanisms.
With PCIaaS + PBC 3DS, the voice channel evolves from being merely a protected environment for capturing card data into a secure, authenticatable, interoperable transactional channel ready for Conversational AI.
PaybyCall is deployed on a cloud-native architecture in Google Cloud Platform, designed to scale seamlessly, handle volume peaks, and operate internationally across multiple languages and currencies. Its telco DNA, PCI DSS Level 1 compliance, alignment with Spain’s ENS High Category, interoperability with the payments ecosystem, and specialization in voice create a platform designed for mission-critical environments.
Pay by Call, S.L. does not treat telephone payments as a secondary extension of a general-purpose payment gateway. It approaches the voice channel as a transactional channel in its own right, with specific requirements for security, compliance, and integration.
Based on this vision, it has developed PaybyCall, a cloud-native PCIaaS platform deployed on Google Cloud, built on a differentiated telco foundation and a partner-first model that positions PSPs, integrators, and BPOs as both technology and commercial partners.
Pay by Call, S.L. already operates in highly demanding public- and private-sector environments, with Tier-1 customers, hundreds of live integrations in production, and a technological position that is difficult to replicate. Its differentiation combines PCI DSS Level 1 compliance, alignment with Spain’s ENS High Category, PBC 3DS as a native 3D Secure solution for voice payments, and a clear evolution towards Voice Commerce through Conversational AI applied to secure telephone payments.
Pay by Call, S.L.’s vision is to extend this infrastructure into the next generation of Secure Agentic Voice Commerce, where Conversational AI agents can guide the customer experience and facilitate transactions while sensitive data and authentication remain within a secure and controlled payment architecture.
Pay by Call, S.L. operates on a usage-based SaaS model, with decreasing unit prices as transaction volumes increase. This makes it possible to convert the significant CAPEX associated with building and maintaining an in-house PCI DSS-compliant infrastructure into variable OPEX, reducing both the PCI DSS scope and the investment required to achieve and maintain compliance.
In addition, customers can optionally activate PBC 3DS, Pay by Call’s patent-pending SCA/3D Secure strong authentication method for telephone payments, which can significantly reduce the chargebacks traditionally associated with MOTO transactions. When contracted together with PaybyCall, its incremental cost is minimal compared with the potential savings from reduced fraud and payment disputes.
We are not a payment gateway. We are the specialized PCIaaS layer that secures and authenticates payments across the voice channel
Deep specialization in secure payments across the voice channel.
Integration with any PSP, BPO, or contact center platform.
PBC 3DS: Native SCA/3D Secure to evolve from MOTO to ATO.
Ready for Conversational AI and Secure Agentic Voice Commerce.
NEWS
In this section, we share the latest developments at Pay by Call: new integrations, certifications, deployments, strategic partnerships, and technological advances related to PCIaaS, PBC 3DS, ATO, and Secure Agentic Voice Commerce.
A space to follow how the voice channel is evolving from traditional MOTO payments into a more secure, authenticated transactional environment, ready for a new generation of conversational experiences.
BLOG
The Pay by Call blog explores the transformation of payments across the voice channel: PCI DSS, PCIaaS, secure IVR, DTMF masking, PSD2, SCA, 3D Secure, MOTO, ATO, and Conversational AI applied to Voice Commerce.
A space for professionals in payments, compliance, fraud, innovation, operations, and contact centers who want to understand how to turn voice into a secure transactional channel without replacing the existing payment infrastructure.
Pay by Call does not compete as a general-purpose payment gateway. Through PaybyCall, it provides a specialized PCIaaS layer that integrates with the existing ecosystem to protect card data, reduce PCI DSS scope, and enable new authentication capabilities across the voice channel.
The combination of cloud-native architecture, telco DNA, interoperability, advanced compliance, and PBC 3DS enables the evolution from traditional MOTO payments towards ATO — Authenticated Telephone Order — while preparing the infrastructure for the next generation of Secure Agentic Voice Commerce powered by Conversational AI.
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