Process secure, PCI-DSS-compliant phone payments, without changing your bank or PBX.
PaybyCall is a PCIaaS platform: a cloud-based SaaS compliance solution for PCI DSS, that adds a specialized security technology layer, enabling contact centers and BPOs to process Secure Phone Payments without agents or internal systems accessing card data. As a result, fixed PCI DSS compliance costs can be transformed into variable costs linked to platform usage. Turn your contact center calls into a payment channel as secure as any e-commerce environment, powered by Conversational AI and reinforced with our native 3D Secure for the voice channel. Ready for Secure Agentic Voice Commerce.
- PCI-DSS Level 1 - Certified.
- Native 3D Secure and SCA in the voice channel
- Compatible with human and AI agents
- ENS Certified High Category.
Already operating in public administrations, utilities, BPO and large corporations in Spain, Argentina and Mexico.
“PaybyCall does not process the payment itself; rather, it acts as the security technology layer that protects the interaction and captures the card data, enabling payment service providers to execute the transaction securely.”
The phone channel remains the weak link in security.
In traditional phone payments, operators listen and type cards, and calls are usually recorded by quality or compliance.
That raises the risk of data leakage and complicates regulatory compliance, especially in MOTO scenarios.
Human exposure
the operator listens to and manipulates card data.
Toxic recordings
PAN/CVV data is stored in audio files and processes.
Regulatory incompatibility
friction with PSD2 and more operational risk.
Outdated experience
slowness, errors and low conversion.
PaybyCall transforms the telephone channel into a secure payment environment under a PCIaaS model, reducing the exposure of sensitive data and the PCI DSS scope of the contact center.
ATO: Turn Every Contact Center into an Authenticated Payment Channel.
PaybyCall acts as a secure IVR layer: the customer enters the data directly, without exposure to agents or recordings.
It integrates with your PBX, BPO or PSP without replacing your current infrastructure.
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ATO: Authenticated Telephone Order represents the natural evolution of traditional telephone payments.
While MOTO enables payments to be taken during a call, ATO adds an essential layer: authenticating the cardholder through 3D Secure within the voice channel itself, without redirecting them to payment links or interrupting the conversation.
The result is a more secure telephone payment experience, with less friction and greater protection against fraud and chargebacks. It is no longer just about protecting card data, but also about verifying who is authorising the payment.
ATO transforms the telephone channel into an environment ready for the future of Secure Agentic Voice Commerce.
A transparent and secure payment flow
Safe Capture
Customer enters data into secure IVR.
Isolation
Online agent but does NOT see/hear data.
Authentication (PSD2)
3D Secure via banking app/SMS
Execution
Coordination with PSP and OK/KO response
Traceability
Complete record without sensitive data
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
Use cases
1
Public administrations:
Secure tax and fee collections by phone; certified, traceable payment flows for citizens and businesses.
2
Utilities:
Recurring billing and arrears management over the phone, with card tokenization and no need for physical “clean rooms” in BPO operations.
3
Large enterprises:
Collections and telesales with 3D Secure in the voice channel, increasing approval and close rates while reducing fraud and chargebacks.
Trusted by Customers
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