A single PCIaaS platform.
Multiple ways to collect payments over the phone with maximum security
Pay by Call offers PaybyCall, a PCIaaS platform for secure IVR-based phone payments, certified PCI DSS Level 1 and aligned with ENS High Category.
From a single secure core, customers can activate different operating modalities and optionally incorporate PBC 3DS to bring PSD2 / 3D Secure strong customer authentication to the voice channel without interrupting the call.
A configurable PCIaaS platform for secure IVR payments
Pay by Call has developed PaybyCall, a single PCIaaS platform for secure phone payments, designed to enable the voice channel to operate with e-commerce-level security, traceability and integration.
From the same PCI DSS Level 1 certified core, PaybyCall protects card data, prevents its exposure to agents, call recordings or unauthorized systems, and integrates with the customer’s existing PSP, PBX and contact center architecture.
Its different operating modalities are not separate products, but different ways of using the same platform depending on the payment origin, the level of automation and the agent’s involvement. On any of them, customers can activate PBC 3DS to incorporate PSD2 / 3D Secure strong customer authentication directly into the voice channel.
PCI DSS Level 1–certified IVR.
Built to fit ENS High-category environments.
Integrates with existing PSPs and telephony platforms.
Agent-assisted and fully automated modes.
Optional PBC 3DS for PSD2 / 3D Secure in the voice channel.
Two main usage families: assisted payments and automated payments
PaybyCall adapts to six phone payment modalities and integrates seamlessly with the systems the customer already uses.
When the payment needs to be closed within the live conversation
The Assisted Payments modalities allow agent support to be maintained in high-value calls without exposing card data. The customer pays within the secure IVR environment of PaybyCall, while the agent guides the transaction without accessing sensitive information.
PBC TFA – Transfer From Agent
In PBC TFA, the agent handles the call and transfers the user to the secure IVR environment of PaybyCall at the moment of payment. From then on, the payment is completed without exposing card data to the agent.
Once completed, the call can end, return to the agent, be routed to a queue or follow a different flow depending on the OK or KO payment result.
PBC LAA – Live Agent-Assisted
In PBC LAA, the agent remains on the line and guides the user throughout the payment process, without ever hearing or seeing the card data. DTMF tones are replaced by a neutral tone, while the agent follows the transaction through a secure control panel, detecting errors or requesting data re-entry without compromising PCI DSS compliance.
This modality preserves human guidance and continuous call recording without exposing sensitive information.
Assisted Payments are the natural choice when the goal is to complete the payment within the call itself, with lower channel friction, greater support and stronger operational control.
Full automation: secure payment collection without human intervention
For scenarios without agent intervention, PaybyCall offers automated modalities that reduce costs, extend availability and maintain security and compliance.
Ideal for recurring payments, mass operations, regularizations, reminders and self-service processes.
PBC Outbound Call
Via API, PaybyCall generates fully automated outbound calls, offering users the option to complete the payment during the call itself.
No human agents are involved, enabling recovery, regularization and payment reminder campaigns to scale with greater reach and lower operating cost.
PBC Pay by Web
PaybyCall can be integrated via API as an additional payment method on the client’s website. Instead of entering card details in a traditional checkout, the user provides their phone number and receives an automated call from the secure IVR to complete the payment.
This combines the convenience of the web channel with the security, traceability and simplicity of voice.
PBC Pay by Link
The user receives a link via SMS, email, WhatsApp or another channel. When tapped, the link triggers an automated call to complete the payment through the secure IVR environment of PaybyCall, instead of redirecting the user to a web payment page.
Ideal for follow-up campaigns, payment reminders, regularizations and scenarios where convenience is needed without leaving the voice channel.
PBC Pay by Number
The user calls a dedicated number, identifies themselves, and PaybyCall retrieves the outstanding amount from the client’s systems. The payment is then completed through a fully automated flow, available 24x7x365, with no agent intervention and shorter wait times.
This mode is particularly effective for taxes, fees, invoices, premiums, debt regularization and other recurring or low-ticket payments.
Automated payment modalities turn the telephone into an automated, scalable payment collection channel available 24x7, while always maintaining the same security core.
PBC 3DS
Native PSD2 / 3D Secure strong authentication in the voice channel
PBC 3DS is the optional strong customer authentication layer of PaybyCall, bringing PSD2 / 3D Secure 2.x to the telephone channel without taking the user out of the call.
Card data is captured within the secure IVR environment of PaybyCall. The platform communicates with the 3DS ecosystem through the integrated PSP, while the user validates the transaction using the method defined by their issuing bank, such as a banking app, SMS OTP or push notification.
Unlike the standard market approach, which typically redirects the user to an external web link, PBC 3DS keeps voice as the primary channel. This reduces abandonment caused by channel switching and brings greater security, continuity and traceability to phone payments.
Activation is configurable by modality, amount, service or risk level, allowing customers to combine transactions with strong customer authentication and MOTO transactions under the applicable exemptions, always within the PCI DSS-certified environment of PaybyCall.
PBC 3DS is a proprietary development by Pay by Call, based on a specific PSD2 / 3D Secure strong customer authentication method for the telephone channel, currently in the process of protection through an international patent application.
Why PBC 3DS is different
- Unique in the market in bringing PSD2 / 3D Secure to the voice channel
- Keeps the user on the call and in conversation with the agent
- Reduces friction and abandonment due to channel switching
- Strengthens evidence, traceability and operational control
- Can be activated selectively according to risk and use case
Pay by Link vs Assisted Payments
In this comparison, Pay by Link refers to the traditional market model: the customer receives a link, leaves the call and completes the payment through a web or app checkout.
It should not be confused with PBC Pay by Link, the PaybyCall modality in which the link triggers an automated call and the payment is still completed by voice, within the secure IVR environment.
When the payment starts from a high-intent call, the key difference is channel friction. Traditional Pay by Link forces the user to switch context, trust an external link and complete the payment outside the conversation.
By contrast, the Assisted Payments modalities of PaybyCall, especially PBC LAA and PBC TFA, allow the payment to be completed within the voice flow, with human guidance, without exposing sensitive data to the agent, and with the option to activate PBC 3DS to incorporate strong customer authentication without interrupting the call.
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Aspect
|
Pay by Link
|
Assisted Payments
|
|---|---|---|
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Channel
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Voice → link → web/app
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Voice → secure IVR within the same call
|
|
Perceived friction
|
Higher
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Lower
|
|
Human assistance
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Partial
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Full
|
|
Abandonment risk
|
Higher
|
Lower
|
|
Perceived security
|
Depends on the link and checkout page
|
User stays on the call and never reads card data to the agent
|
|
PCI DSS
|
Handled outside the contact center
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Handled inside Pay by Call’s certified PCI DSS environment
|
|
3D Secure / SCA
|
Standard web flow
|
PBC 3DS native in voice, no channel switching
|
|
Best suited for
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Digitally initiated contacts (web, email, chat)
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Phone-initiated contacts in the contact center
|
Pay by Link is an excellent complement for digital flows. But when the payment starts within a call, Assisted Payments with an agent help maximize conversion, control and continuity within the voice channel itself.
With PBC 3DS, that experience can incorporate PSD2 / 3D Secure strong customer authentication without interrupting the call.
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