Frequently Ask Questions
Here we answer the most frequently asked questions about Pay by Call and its secure IVR payment technology. Our system, with patented 3D Secure, transforms the telephone channel into a reliable, verifiable, and integrable payment environment. It allows you to complete transactions with the same security as an e-commerce platform, without changing your existing infrastructure. If you need more information, our team is available to assist you.
Frequently Ask Questions Categories
About Pay by Call
What is Pay by Call?
Pay by Call is a secure voice payment platform based on IVR technology, designed to help public and private organizations accept payments over the phone with security, compliance, and traceability.
What does Pay by Call actually do?
It enables payments in the voice channel without exposing card data to the agent, combining telephony, secure IVR, PSP connectivity, and strong authentication flows.
What is Pay by Call used for?
It is used to turn the phone into a secure, efficient payment channel suited to demanding operating environments.
What problem does Pay by Call solve?
It solves the problem of insecure, inefficient, or poorly integrated phone payments in organizations where voice remains a key service channel.
What is a secure phone payment?
It is a payment completed over the phone inside a protected environment where sensitive card data is collected securely and never exposed to the agent.
What does IVR mean in payments?
IVR stands for Interactive Voice Response. In payments, it guides the caller and securely captures the information needed to complete a transaction.
Is Pay by Call a payment gateway?
Not in the traditional sense. Pay by Call is positioned as the specialist layer that secures the voice channel and connects it to the client’s PSP.
Does Pay by Call replace the PSP?
No. Pay by Call complements the PSP and adds secure phone payment capability as part of an omnichannel strategy.
Does Pay by Call replace the contact center?
No. It integrates with the existing contact center, PBX, or CCaaS platform already used by the client.
What types of organizations can use Pay by Call?
It is suitable for companies, public administrations, utilities, insurers, BPOs, contact centers, technology platforms, and ecosystem partners.
Security and compliance
Is Pay by Call PCI DSS compliant?
Yes. The platform is designed to operate on a secure IVR environment certified to PCI DSS Level 1.
What does PCI DSS Level 1 mean?
It is the highest PCI DSS compliance level and applies to environments with stringent card-data security requirements.
Is Pay by Call suitable for ENS environments?
Yes. The platform is aligned with highly demanding security environments, including those compatible with High category ENS requirements.
What does PCI DSS compliance add to phone payments?
It adds security, risk reduction, control of sensitive data, and confidence for clients, auditors, and partners.
Why is security so important in phone payments?
Because the voice channel has historically been one of the weakest points in remote payments.
Can the agent hear the card details?
No. In secure Pay by Call flows, the agent does not hear or see the sensitive card information.
Are card details recorded during the call?
They should not be exposed in call recordings when the flow runs inside the secure IVR environment.
Does Pay by Call reduce operational risk?
Yes. It reduces agent exposure, limits access to sensitive data, and improves control and traceability.
Does Pay by Call improve traceability?
Yes. The platform is designed to record events, statuses, and payment outcomes across the flow.
Can Pay by Call help with audits?
Yes. Its design supports traceability, control, and operation in auditable environments.
PBC 3DS and strong authentication
What is PBC 3DS?
PBC 3DS is Pay by Call’s method for bringing PSD2 and 3D Secure strong authentication into the voice channel.
What does 3D Secure in the voice channel mean?
It means applying strong authentication to a phone payment without forcing the user out of the main voice journey.
What is PBC 3DS used for?
It is used to strengthen authentication, increase transaction evidence, and reduce fraud, repudiation, and chargebacks in phone payments.
How does PBC 3DS work?
The customer enters the card details in the secure IVR and then completes authentication through the bank’s usual channel while the call remains active.
Does the customer have to leave the call when using PBC 3DS?
No. One of its main differentiators is maintaining continuity in the voice channel.
Is PBC 3DS aligned with PSD2?
It is designed to provide strong authentication compatible with PSD2 and 3D Secure logic in the voice channel.
Is PBC 3DS the same as web 3D Secure?
Not exactly. The purpose is equivalent, but the experience is adapted to the phone channel.
Does PBC 3DS avoid channel switching?
Yes. It reduces the need to redirect the user to an external web page to authenticate.
Does PBC 3DS improve the user experience?
Yes. It makes the process more coherent for payments that start in a high-intent phone call.
Can PBC 3DS help reduce fraud?
Yes. It strengthens authentication and improves the quality of transaction evidence.
Can PBC 3DS help reduce repudiation?
Yes. By reinforcing authentication, it makes successful disputes more difficult.
Can PBC 3DS help reduce chargebacks?
Yes. Better authentication and traceability can reduce chargebacks and disputes.
Is PBC 3DS mandatory for every payment?
No. It is an optional layer that can be activated according to the client’s policy.
Can PBC 3DS be activated based on risk?
Yes. It can be configured according to amount, service, risk profile, or use case.
Can PBC 3DS be used in Pay by Agent flows?
Yes. It is especially relevant for high-intent phone calls with human guidance.
Can PBC 3DS be used without an agent?
Yes. It can form part of automated payment flows depending on service configuration.
What makes PBC 3DS different from other solutions?
Its core differentiator is bringing 3D Secure into the voice channel while preserving continuity of the phone flow.
Does PBC 3DS have a patent strategy?
Yes. The specific strong-authentication method in voice is part of an international patent protection strategy.
Does PBC 3DS make a phone payment more defensible?
Yes. It strengthens authentication, evidence, and traceability.
Is PBC 3DS relevant for regulated sectors?
Yes. It is especially useful where security, control, and evidence are critical.
Modalities and payment experience
What does Pay by Agent mean?
It is the family of modalities in which payment is completed during the call with human assistance.
What are the benefits of Pay by Agent?
Less channel switching, more guidance, better continuity, and lower abandonment risk.
What is PBC TFA?
It is the modality in which the agent transfers the call to the secure IVR at the moment of payment.
What is PBC LAA?
It is the modality in which the agent stays on the line guiding the caller without hearing or seeing card data.
What is the difference between PBC TFA and PBC LAA?
In TFA the payment is completed after the transfer to the secure IVR. In LAA the agent keeps guiding the process in real time.
What does payment without an agent mean?
It refers to the automated modalities that allow payments to be processed without human intervention.
What is PBC Pay by Number?
It is the modality in which the user calls a dedicated number and completes the payment in an automated way.
What is PBC Pay by Web?
It is the modality in which the process starts on the web but is completed through a secure flow connected to the platform.
What is PBC Pay by Link?
It is Pay by Call’s own modality integrated into the platform’s secure operating logic.
What is PBC Outbound Call?
It is the modality in which the platform generates an automated outbound call to propose and execute the payment.
Are standard Pay by Link and PBC Pay by Link the same?
No. Standard Pay by Link usually moves the user to an external web page. PBC Pay by Link is part of Pay by Call’s operational ecosystem.
What is the difference between traditional Pay by Link and Pay by Agent?
Traditional Pay by Link changes channel, while Pay by Agent keeps the payment inside the call.
Which works better for high-intent calls: Pay by Link or Pay by Agent?
For high-intent calls, Pay by Agent usually provides a more coherent experience with less friction.
Why can Pay by Agent convert better?
Because it reduces intermediate steps, avoids loss of context, and keeps the user focused.
Why does channel switching reduce conversion?
Because it forces the user to change context, open another environment, and complete more steps.
Can Pay by Call improve conversion in phone collections?
Yes. Its approach reduces friction and helps close payments inside the same interaction flow.
Does Pay by Call improve the user experience?
Yes. It makes the experience more guided, more secure, and more consistent with the channel where payment intent started.
Is Pay by Call useful for collections and debt recovery?
Yes. It is especially useful for regularization, debt recovery, and payments initiated through follow-up calls.
Is Pay by Call useful for reservations and hospitality?
Yes. It enables secure phone payments in sectors where calls remain a key commercial channel.
Is Pay by Call useful for utilities and insurance?
Yes. These are sectors where the phone remains critical for service, collections, and regularization.
Integrations, cloud, and scalability
Can Pay by Call integrate with the client’s PSP?
Yes. It is designed to work alongside the client’s existing PSP.
Can Pay by Call integrate with PBXs?
Yes. The platform is designed to integrate with existing telephony and service environments.
Can Pay by Call integrate with CCaaS?
Yes. It can integrate with cloud contact center platforms.
Can Pay by Call integrate with BPOs?
Yes. It is especially useful for BPOs that want to offer secure phone payments to their clients.
Can Pay by Call integrate through APIs?
Yes. The platform is prepared for integration with enterprise environments and automated workflows.
Does Pay by Call support tokenization?
Yes. It can work with tokenization through the integrated PSP.
Does Pay by Call support recurring payments?
Yes. Tokenization supports repeat transactions and improves the user experience.
Does Pay by Call support automated operations?
Yes. It includes no-agent modalities for automated collections and operational campaigns.
Is Pay by Call scalable?
Yes. Its architecture is designed to grow with the client’s volume and needs.
What role does the cloud play in Pay by Call?
The cloud enables scalability, resilience, less dependence on physical hardware, and more agile deployment.
Does Pay by Call run on cloud infrastructure?
Yes. The platform is designed to operate on modern, scalable cloud infrastructure.
What advantages does cloud architecture bring to phone payments?
Better scalability, greater resilience, faster deployments, and lower risk linked to physical infrastructure.
Is Pay by Call built for critical environments?
Yes. Its product logic is focused on security, continuity, and control.
Does Pay by Call include monitoring?
Yes. The platform is designed to operate with monitoring and event traceability.
Can Pay by Call help standardize voice payments?
Yes. Its objective is to turn the phone channel into a modern and controlled transactional environment.
Conversational AI
What is conversational AI in Pay by Call?
It is the application of artificial intelligence to the voice channel to guide users more effectively and improve interaction.
Does Pay by Call use AI?
The platform’s evolution includes conversational AI to improve experience, efficiency, and automation.
Does Pay by Call’s AI replace the secure IVR?
No. AI improves the interaction, but sensitive card capture continues to take place inside the secure IVR environment.
What benefits does conversational AI provide?
It can reduce errors, make interactions more natural, accelerate processes, and improve the user experience.
Can AI improve conversion?
Yes. Better conversational guidance can reduce abandonment and help complete more operations.
Can AI help agents?
Yes. It can assist with guidance, context, FAQs, and better orchestration of the flow.
Can AI help in no-agent flows?
Yes. It can make automation feel more natural and improve comprehension and usability.
Can AI reduce user errors?
Yes. It can rephrase instructions, detect doubts, and guide the process more effectively.
Can AI coexist with PCI DSS?
Yes, as long as the AI layer remains separate from the secure card-capture layer.
Can AI add value for Pay by Call partners?
Yes. It helps enrich the value proposition and make it more innovative and competitive.
Benefits for partners
What benefits does Pay by Call bring to a partner?
It helps complete the partner’s offer, generate new revenue, and provide secure phone payments as part of an omnichannel proposition.
How does a partner make more money with Pay by Call?
A partner can open new revenue streams, sell a more complete solution, and win clients that need payment capabilities in the voice channel.
Can Pay by Call help a partner close more deals?
Yes. A more complete omnichannel offer improves the partner’s commercial competitiveness.
Can Pay by Call help partners access larger clients?
Yes. Many enterprise and public-sector clients require omnichannel capabilities and advanced security, so partners without them may be excluded.
Why is omnichannel capability important for a partner?
Because many buyers do not want partial providers. They want integrated offers that cover web, app, in-person, and phone channels.
What happens if a partner does not have an omnichannel offer?
They may lose opportunities to competitors with a more complete proposition.
Can Pay by Call help a partner complete its omnichannel offer?
Yes. It adds secure voice payments to an offer that may already cover web, app, or other channels.
What kinds of partners can benefit from Pay by Call?
PSPs, BPOs, systems integrators, CCaaS platforms, contact center operators, and technology providers.
Can Pay by Call act as a competitive advantage for a partner?
Yes. It allows the partner to differentiate with a specialist capability that is hard to replicate.
Does Pay by Call create value beyond direct revenue?
Yes. It also creates commercial, strategic, and positioning value in enterprise and public-sector markets.
Can Pay by Call help a partner enter tenders or large accounts?
Yes. Having a secure omnichannel offer can open doors that would otherwise remain closed.
Does Pay by Call fit into partner-channel strategies?
Yes. It is especially suitable for indirect models, white-label offerings, integrations, and technology alliances.
What are clients looking for when they choose a solution like Pay by Call?
They are looking for security, compliance, integration, operational continuity, and a coherent experience in the voice channel.
What is Pay by Call’s main differentiator?
Its main differentiator is combining PCI DSS Level 1 secure IVR, a strong fit for demanding environments, integration with the existing ecosystem, and PBC 3DS as native 3D Secure in voice.
Why is Pay by Call relevant to the future of payments?
Because it turns the phone into a modern, secure, omnichannel payment channel prepared to evolve with strong authentication and conversational AI.