PCIaaS technology that secures the voice channel without replacing the customer’s existing architecture
PaybyCall combines cloud-native infrastructure, telco-grade capabilities, PCI DSS Level 1–certified IVR, ENS High alignment and native integrations with PSPs, PBXs, BPOs and contact center platforms.
Its key differentiator is PBC 3DS: proprietary 3D Secure technology built natively for the voice channel.
Cloud-native architecture designed to scale, operate with resilience and support international deployment
PaybyCall is deployed on a cloud-native architecture in Google Cloud Platform, designed to scale seamlessly, absorb volume peaks and avoid complex on-premise infrastructure.
This approach combines operational resilience, cost efficiency and international expansion capabilities in environments where service continuity is critical.
The cloud-native architecture of PaybyCall is not an accessory component: it is the foundation that enables the platform to scale, deploy with agility and operate with lower operational risk.
The architecture of PaybyCall makes it possible to combine secure IVR with PSD2 / 3D Secure 2.x strong customer authentication within the telephone channel.
The user enters their card details in the certified IVR environment of PaybyCall, while authentication is completed through the channel defined by their issuing bank — banking app, SMS OTP, push notification or another equivalent method — without leaving the call.
- 3D Secure natively in the voice channel
- No redirection to an external web page
- Fewer drop-offs
- More operational continuit
- Stronger protection against fraud, repudiation and chargebacks
PBC 3DS: PSD2 / 3D Secure strong customer authentication without interrupting the call
PBC 3DS is already operational and is based on a specific strong customer authentication method for the telephone channel, currently under protection through a Spanish patent application and an international PCT application.
The security of PaybyCall does not depend on deploying an SBC in every project. The platform already isolates sensitive data and enables secure phone payments under PCI DSS.
However, when the customer requires a reinforced end-to-end architecture, Pay by Call SL, as an electronic communications operator registered with the CNMC, can add SBC capabilities to increase control, segmentation and protection across the voice channel.
If you would like to assess whether this model fits your architecture, contact us and we will review your case.
Optional SBC for Maximum-Security Architectures
Technology built to coexist with the client’s ecosystem
One of the core strengths of PaybyCall is its ability to integrate with the PSP, PBX, CCaaS solution or BPO already used by the customer.
Pay by Call does not replace the existing architecture: it adds a specialized PCIaaS layer for secure IVR payments, reducing technical friction and accelerating deployment.
The interoperability of PaybyCall is not theoretical: it is built on connectors, reusable configurations and accumulated production experience, creating a technological and operational barrier that is difficult to replicate.
Ready for the next generation of AI-powered Voice Commerce
Pay by Call is preparing the voice channel for a new generation of payments guided by conversational AI. The goal is to improve the user experience, reduce errors, better guide the interaction and increase conversion in phone payments.
This evolution is built on a secure architecture: AI guides the experience, while card data is captured exclusively within the certified IVR environment of PaybyCall. In this way, innovation in user experience does not compromise security or unnecessarily expand PCI DSS scope.
AI provides orchestration and user experience; the certified IVR preserves security and isolates sensitive data.
PaybyCall is designed for environments where every payment must be secure, verifiable and manageable.
The platform includes operational traceability, continuous monitoring, audit support, robust log management and configurable flows based on the payment result or the service context.
More control for the customer, more security for the user and greater confidence in every transaction.
Continuous monitoring and operational control
Pay by Call technology goes beyond phone payments. With PaybyCall, the voice channel becomes a secure, integrable and scalable transaction environment, ready for Voice Commerce.
Cloud-native architecture, telco DNA, advanced compliance, real interoperability, PBC 3DS and conversational AI come together in a PCIaaS platform designed for critical environments.
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