Fewer handoffs
Keep the customer in one continuous conversation instead of transferring them or sending them elsewhere to pay.
Take secure payments during the call.
Your agent guides the customer through secure keypad entry and stays in the conversation from request to result. Sensitive tones bypass the AI, recording, and transcript while your PCI vault and payment processor handle the card data.
Secure payment flow
Payment mode active
I’ll stay on the line. Please enter your card number using the keypad.
Card entry•••• •••• •••• 4242
Sensitive tones isolated
Sent directly to PCI vault
Payment approved · Visa •••• 4242
The customer is already on the call. Let them finish there.
A capable voice agent can answer the question, find the order, confirm the balance, and guide the customer. Secure keypad payment is the step that turns that useful conversation into a completed transaction.
Available after hours
Collect an invoice, deposit, or order payment when the finance desk or front desk is closed.
Built into the workflow
Return an approval or decline to the agent so it can confirm the next step and update the connected system.
A secure payment boundary from keypad to processor
The payment architecture is designed for an end-to-end PCI DSS-compliant deployment. From the first keypress, sensitive card data stays outside the AI conversation, recording, transcript, and business tools.
- 01
The agent opens payment mode
It explains what will happen, stays present, and suspends unrelated actions until entry is complete.
- 02
The caller uses the keypad
Actual DTMF audio is isolated from the AI path, with recordings paused during sensitive entry.
- 03
A Level 1 vault receives card data
The PAN goes to a PCI DSS Level 1 provider instead of the agent, transcript, or business tools.
- 04
The processor returns a result
The agent gets only the status and limited display data it needs to finish the conversation.
Engineered for the realities of a live phone call
A reliable payment flow has to handle pauses, repeated network events, wrong digits, restarts, and customers speaking over the agent. The keypad interaction is built to keep the caller moving without exposing card data to the conversation.
Ordered, duplicate-safe input
Sequence-aware handling restores out-of-order keypad events and ignores retransmitted frames.
Natural recovery
The caller can press * to start again, # to finish, and recover without abandoning the call.
Built-in validation
Length rules and Luhn checks catch common entry mistakes before the payment reaches a processor.
No PAN in the model
The conversation receives only derived details such as card brand and last four after valid entry.
Patient timing
The inter-digit timer pauses while the agent is speaking, so the customer is not penalized for listening.
Bounded conversation
Keypresses count as activity and the agent cannot accidentally hang up while card entry is in progress.
Fit the payment flow to the way your business collects.
Connect the PCI DSS-compliant vault and processor you trust, then map the approval, decline, receipt, and follow-up actions to your existing workflow.
On the call
A calm customer experience
- Clear spoken guidance before entry
- Retry, restart, finish, and timeout handling
- The agent stays present throughout
- Immediate approval or decline response
Inside the secure boundary
Sensitive data stays isolated
- DTMF isolation and recording suppression
- Direct handoff to a PCI DSS Level 1 vault
- Card data excluded from the AI context
- Token and limited result data returned
In your payment stack
Processor-agnostic integration
- Connect a PCI DSS-compliant provider
- Map authorization, capture, refund, and receipt flows
- Trigger business actions after payment
- Validate the complete deployment before activation
One payment primitive, many high-value calls
Pay an invoice or outstanding balance
Collect a deposit before an appointment
Complete a phone order
Renew a membership or subscription
Secure a booking or reservation
Store a processor token for an approved future charge
Questions from payment and security teams
How does the flow support PCI DSS compliance?
Sensitive keypad tones are isolated, recording is suspended during entry, and card data is sent directly to a PCI DSS Level 1 vault instead of the AI agent, transcript, or business tools. Each processor connection and merchant deployment is validated end to end before live card processing is enabled.
Can the AI agent hear or read the card number?
No. In the secure deployment, sensitive keypad tones are isolated from the AI audio path, recording is paused during entry, and the PAN is sent directly to the PCI vault. The agent receives only the payment result and limited display data, such as brand and last four.
Which payment processors can you connect?
Talk To My Agent can integrate with PCI DSS-compliant payment processors and card vault providers through their supported secure APIs. We connect your chosen provider and map authorization, capture, refund, and receipt flows to the way your business operates. Every integration completes end-to-end security and acceptance testing before it goes live.
Does the customer have to leave the call?
No. The agent introduces payment mode, waits while the customer uses the keypad, then continues in the same call as soon as the secure payment service returns a result.
Why use the keypad instead of asking for the number out loud?
A properly isolated DTMF flow keeps card details out of the model and transcript, gives the caller a familiar input method, and creates a clear technical boundary around sensitive data.
Map your payment workflow with us.
Tell us what customers pay for, your expected call volume, and the processor you use. We will map the secure boundary, integration, and business actions around your operation.
- Processor-agnostic architecture
- Direct access to the product team
- Security and PCI scope reviewed before activation