Investor information
A PCIaaS platform to lead the evolution of voice payments: from MOTO to ATO and towards Secure Agentic Voice Commerce
Pay by Call, S.L. is a Spanish technology company specialized in securing and authenticating payments across the voice channel. It has developed PaybyCall, a cloud-native, usage-based SaaS PCIaaS platform that integrates seamlessly between the contact center and its PSP, without replacing the customer’s existing infrastructure.
Its value proposition combines two complementary capabilities: PCIaaS protects card data and reduces the contact center’s PCI DSS scope, while PBC 3DS, its patent-pending SCA/3D Secure authentication method for the voice channel, enables payer authentication.
Together, PCIaaS + PBC 3DS enable the evolution from traditional MOTO towards an authenticated MOTO model that Pay by Call refers to as ATO — Authenticated Telephone Order —, creating a new technology and business opportunity at the convergence of payments, contact centers, security, and Conversational AI.
Pay by Call is positioned at the intersection of four transforming markets: digital payments, PCI compliance, cloud contact centers, and Conversational AI.
The investment opportunity is underpinned by a recurring and scalable SaaS model, a cloud-native architecture designed for international expansion, strong regulatory and technological barriers to entry, a partner-first strategy to accelerate distribution, and proprietary authentication technology that extends the traditional PCI DSS value proposition from protecting card data to authenticating the payer.
The goal is to establish PaybyCall as the secure and authenticated transactional layer for the voice channel, both for human-assisted interactions and for the next generation of Conversational AI agents.
PCIaaS protects card data. PBC 3DS authenticates the payer. Together, they enable ATO and prepare the voice channel for Secure Agentic Voice Commerce.
Why now?
The voice channel is entering a new era. For years, the main challenge in telephone payments has been protecting card data and achieving PCI DSS compliance. The emergence of SCA/3D Secure and Conversational AI agents introduces a second challenge: not only protecting payment credentials, but also authenticating the payer and enabling both humans and AI agents to participate in secure transactional experiences.
Pay by Call has developed the infrastructure to address both challenges within a single platform.
Pay by Call news
Milestones that build value
Follow Pay by Call’s evolution through the key milestones that strengthen its technological and commercial position: new customers, integrations, partnerships, certifications, intellectual property, the evolution of PBC 3DS, and the development of ATO and Secure Agentic Voice Commerce.
Each new deployment further validates a platform designed to scale through a SaaS model and a growing partner ecosystem.
Sector investment and activity
A market validated by growth, investment, and consolidation
Bridgepoint completed the acquisition of Eckoh in January 2025. Bridgepoint described Eckoh as a leader in payment and data security software for contact centers and explicitly identified geographic expansion, product innovation, and growth as key value-creation drivers.
PCI Pal, meanwhile, reported £20.3 million in ARR for the half-year ended December 2025, up 21% year-on-year, and attributes a significant part of its growth strategy to the expansion of its partner ecosystem.
Payment security software for contact centers is evolving from a specialized compliance solution into strategic infrastructure for digital communications and payments.
The growth of specialized international companies, the entry of private equity, and ongoing sector consolidation validate the attractiveness of this market. At the same time, the expansion of Conversational AI creates a new opportunity: providing the secure and authenticated infrastructure required to turn the voice channel into a next-generation transactional channel.
Pay by Call aims to differentiate itself within this market through PCIaaS + PBC 3DS + ATO, extending the traditional concept of secure voice payments towards payer authentication and Secure Agentic Voice Commerce.
Technology, barriers to entry, and scalability
PCI DSS Level 1
Highest level of PCI DSS certification
ENS High Category
Ready to operate in mission-critical environments
PBC 3DS
Patent-pending SCA/3D Secure method for the voice channel
ATO
The evolution of MOTO towards authenticated telephone payments
Cloud-native
Scalable architecture deployed on Google Cloud Platform
Multi-PSP
Integrable with multiple payment service providers and acquirers
Partner-first
Growth model built around PSPs, BPOs, integrators, and CCaaS platforms
Conversational AI Ready
Ready for the next generation of Secure Agentic Voice Commerce
Investor contact
Investors interested in learning more about the company or exploring collaboration opportunities can contact the Pay by Call team at: