Pay by Call and Comercia Global Payments have entered into a preferred collaboration to accelerate secure voice payments for enterprises and contact centres that want to move beyond legacy Pay by Link journeys. The focus of the agreement is simple: turn the voice channel into a first‑class, compliant payment rail with ecommerce‑grade security and materially lower friction.
PSP‑agnostic by design, with a preferred route
Pay by Call remains deliberately PSP‑agnostic, integrating with the acquirer or payment gateway the merchant already works with and fitting into existing architectures rather than forcing a change of provider. However, when a customer is actively reviewing or replacing its current PSP, Pay by Call will recommend Comercia Global Payments as a preferred option, given the strong technical fit and joint track record in production.
This recommendation is grounded in execution, not theory. Comercia Global Payments is recognised for fast time‑to‑revenue, with lean integration cycles and rapid go‑live windows even in complex, regulated environments. On top of that, Comercia has a deep understanding of the voice channel and of the operational realities of high‑volume, in‑house and outsourced contact centres.
Fixing Pay by Link friction in voice journeys
Many large Comercia Global Payments customers – particularly BPOs and high‑volume contact centres – still rely on Pay by Link to close payments that were initiated over the phone. In practice, this means broken journeys: the caller drops from the conversation, has to open an SMS or email, switch to a browser and complete a web flow that is often abandoned, hard to track and difficult to reconcile with the original call.
By inserting a PCI‑DSS Level 1 certified voice payment layer, Pay by Call keeps the customer in‑call from start to finish, captures card data through a secure IVR, and prevents agents and recordings from ever being exposed to PAN data. The result is fewer steps, higher first‑attempt collection rates and a materially lower compliance footprint for merchants, BPOs and Comercia’s own portfolio.
How joint customers benefit
When a project is deployed with Comercia Global Payments as PSP and Pay by Call as the secure voice infrastructure, joint customers gain three immediate advantages:
- Secure, in‑call card payments fully embedded into existing contact centre operations, without disruptive changes to telephony or CRM stacks.
- A significant reduction in friction versus models based solely on outbound Pay by Link, particularly for less digital users and high‑urgency use cases.
- Accelerated time‑to‑market, leveraging integrations already proven in production with major BPOs and leading contact centre platforms.
For Comercia, every voice transaction captured through Pay by Call’s infrastructure represents incremental remote GMV processed on its acquiring rails, with better conversion and a stronger risk profile.
PBC 3DS: patent-pending 3D Secure for the voice channel
This preferred collaboration is also underpinned by Pay by Call’s patented innovation PBC 3DS, its native 3D Secure service for the voice channel. The method behind PBC 3DS is currently protected through a patent application filed with the Spanish Patent and Trademark Office (OEPM) under application number P202630243, together with an international PCT filing PCT/ES2026/070099.
Functionally, PBC 3DS orchestrates PSD2 Strong Customer Authentication (SCA) using 3D Secure 2.x while keeping the caller inside the same phone interaction. The customer enters card details into a secure IVR environment, the PSP (including Comercia Global Payments) triggers the standard 3DS2 challenge with the issuer, and the user completes SCA via their usual banking app, SMS OTP or push, all while the call remains active.
For Comercia Global Payments’ merchants, this means the telephony channel can finally operate with the same level of security, non‑repudiation and regulatory alignment as ecommerce, but without forcing the user onto a web page mid‑call. It also directly addresses fraud, repudiation and chargeback risk in a channel that has historically been perceived as higher‑risk and harder to evidence in audits.
Conversational AI: de‑frictioning secure voice payments
On top of secure IVR and PBC 3DS, Pay by Call is rolling out certifiable conversational AI across its voice payment flows. Intelligent assistants can now guide the caller end‑to‑end: identifying the customer or case, confirming amounts, explaining options, capturing card details in the secure IVR and delivering a clear, compliant confirmation at the end of the journey.
The ambition is to evolve from rigid DTMF menus to natural, guided conversations that shorten handle times, reduce data entry errors and dramatically cut mid‑flow abandonment. In contact centres already processing payments with Comercia Global Payments, this combination – conversational AI + secure IVR + PBC 3DS – effectively turns the voice channel into a high‑conversion shortcut: the caller talks, the assistant understands and steers the flow, PBC 3DS executes SCA, and Comercia books the transaction under the highest regulatory standards.
For large BPOs and enterprises that still treat Pay by Link from voice as a “good enough” workaround, the joint proposition offers an industrial‑grade alternative: lower friction, higher conversion and a fully auditable PCI DSS and PSD2‑compliant model.
A voice channel built to scale
Ultimately, this preferred collaboration is about giving any organisation that wants to upgrade its telephone collections a clear, low‑risk path to turn voice into a first‑class payment channel. Pay by Call keeps the flexibility to integrate with other PSPs wherever the merchant requires it, while the Pay by Call + Comercia Global Payments route offers a proven, fast‑track option for those ready to optimise both acquiring and voice payments in one move.
Comercia Global Payments is one of the leading payment service providers and acquirers in the Spanish market, with a large base of in‑store and online merchants and a comprehensive omnichannel payments offering for enterprises and public sector institutions.
Pay by Call is a Spanish fintech focused on secure telephone payments via IVR, operating a PCI DSS Level 1 and ENS Alta certified platform and a strong roadmap in conversational AI applied to the voice channel and contact centres.
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