PCIaaS Platform for Secure IVR Payments, powered by Conversational AI
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 IVR 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 Voice Commerce.
- PCI-DSS Level 1 - Certified
- PSD2/3D Secure Strong Customer Authentication in the Voice Channel, without leaving the call
- 6 IVR Payment modes to cover every use case, from assisted payments to 24/7 self-service
- 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Outdated experience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.
Turn your contact center into a payment channel as secure as eCommerce.
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.
- Zero exposure: neither agents, nor contact center systems, nor call recordings ever access card data.
- Out of PCI scope: cardholder data stays inside the Pay by Call platform, allowing the contact center to be removed from PCI DSS scope.
- Native PSD2 authentication: 3D Secure is orchestrated inside the call, without sending a payment link or redirecting the customer to another channel.
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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