PCIaaS compliance technology to secure payments in the contact center voice channel over the customer’s existing infrastructure, with a patent-pending SCA/3D Secure method for the voice channel.
PaybyCall combines cloud-native architecture, telco foundations, a PCI DSS Level 1-certified IVR, alignment with Spain’s ENS High Category, and integration with PSPs, BPOs, and contact center platforms.
Built on this technology layer, Pay by Call, S.L. has developed PBC 3DS, its proprietary patent-pending SCA/3D Secure authentication solution, natively designed 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, while supporting any language and currency.
This approach combines operational resilience, cost efficiency, and international scalability in environments where service continuity is critical.
PaybyCall’s cloud-native architecture is not merely an additional technology component: it is the foundation that enables seamless scalability, agile deployment, and lower operational risk.
PaybyCall’s technology architecture enables the combination of secure IVR with strong SCA/3D Secure authentication within the telephone channel.
The user enters their card details in PaybyCall’s PCI DSS-certified IVR environment, while authentication is completed through the method defined by their issuing bank — banking app, SMS OTP, push notification, or an equivalent method — without leaving the call and without sending a payment link.
- 3D Secure natively in the voice channel
- Without sending a payment link.
- Fewer drop-offs
- More operational continuit
- Stronger protection against fraud, repudiation and chargebacks
PBC 3DS: native 3D Secure strong customer authentication (SCA) without interrupting the call
PBC 3DS is already live with Tier-1 customers and is based on a purpose-built strong authentication method for the telephone channel, currently undergoing international patent protection.
Technology designed to integrate seamlessly into the customer’s existing ecosystem.
One of PaybyCall’s core strengths is its ability to integrate with the PSP, PBX, CCaaS platform, or BPO already used by the customer.
PaybyCall does not replace the existing architecture: it adds a specialized PCIaaS technology layer for orchestrating secure payments across the voice channel — whether traditional telephone or Conversational AI — 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 Secure Agentic Voice Commerce, powered by Conversational AI.
Pay by Call, S.L. is preparing the voice channel for a new generation of payments powered by Conversational AI. The goal is to enhance the customer experience (CX), reduce errors, enable more natural and empathetic interactions, and ultimately increase conversion across both traditional telephone payments and payments handled by Conversational AI agents.
This evolution is built on a secure architecture: Conversational AI guides the customer experience, while card data is captured exclusively within PaybyCall’s PCI DSS-certified IVR environment. This ensures that innovation in customer experience does not compromise security or unnecessarily expand the PCI DSS scope.
AI provides orchestration and user experience; the certified IVR preserves security and isolates sensitive data.
Pay by Call, S.L.’s technology goes beyond securing telephone payments. With PaybyCall, the voice channel becomes a secure, PCI DSS-compliant transactional environment that is integrable, scalable, and ready for Secure Agentic Voice Commerce.
Cloud-native architecture, telco DNA, advanced compliance, true interoperability, PBC 3DS, and Conversational AI come together in a PCIaaS platform designed for mission-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