$100B+
Payments processed,
every channel included
every channel included
Payments · IVR & Pay-by-Phone
IVR Payment Solutions
Give customers a secure way to make payments by phone at any time. Paygasus delivers IVR payment solutions for card and ACH transactions that reduce live agent involvement, support PCI DSS-aligned handling, and fit into existing contact center and payment workflows.
Paygasus is the payments and connectivity operating system for the physical economy. Pay-by-phone is the voice layer — the channel that answers when the office is closed, the line is long, or the caller just wants to settle a balance and hang up.
Inbound call · pay by phonePCI-aligned
Pay by phone, any hour.
Card · ACH · no agent needed
The voice layer — proven on every call
140+
Currencies callers
can be billed in
can be billed in
500+
Municipalities billing
residents by phone
residents by phone
50 + DC
U.S. states reached
on one number
on one number
6 of 100
Fortune 100 enterprises
on the platform
on the platform
30
Countries · US · Canada
EU · India
EU · India
The line that always answers
Secure Automated Payments by Phone
Interactive voice response payments allow callers to complete transactions through guided touch-tone or voice-directed flows without relying on a live representative for routine collections. Paygasus supports card and ACH transactions with secure handling, caller guidance, and centralized visibility into transaction activity, payment status, and call outcomes through reporting and portal access.
Key Benefits
Extend payment availability, reduce staff exposure to sensitive payment data, and improve visibility into phone payment activity.
- Provide 24/7 payment access for callers.
- Accept credit card and ACH payments by phone.
- Reduce live agent handling of sensitive payment data.
- Automate balance lookup, payment entry, and confirmation flows.
- Maintain PCI DSS-aligned payment handling and secure transmission.
Capabilities
Interactive Voice Response Payment Capabilities
Four building blocks that turn an inbound call into a settled, reconciled, PCI-aware payment.
Guided Payments
Caller Guidance
Guide callers through payment selection, amount entry, and confirmation with touch-tone or voice-directed payment prompts.
PCI DSS
Security & Compliance
Securely capture and transmit payment data in ways that support PCI DSS-aligned handling while limiting internal exposure to card details.
24/7 Availability
Always-On Access
Keep phone payments available after hours, during peak periods, and when customers want to pay without waiting for an agent.
Operational Visibility
Integration & Reporting
Connect IVR payment workflows with contact center, telephony, and payment environments while maintaining visibility into transaction activity, payment status, and call outcomes.
Inside one call
From greeting to confirmation, in six steps
A single IVR payment runs the same controlled path every time — and the sensitive part is handled by the system, not the person on the line.
STEP 01
Greeting
The caller reaches the automated line and hears a branded prompt with payment options.
STEP 02
Identify
The system matches the caller to an account or invoice using a reference, account, or phone number.
STEP 03
Amount
Balance is looked up and read back; the caller confirms or enters the amount to pay.
STEP 04
Card or ACH capture
The caller keys card or bank details directly into the secure IVR — captured and transmitted under PCI DSS-aligned handling.
STEP 05
Tokenized submit
Details are tokenized and submitted to the gateway; raw card data never lingers in the call workflow.
STEP 06
Confirmation
The caller hears a confirmation and reference number, and the transaction posts to reporting and the portal.
The agent never touches the card. Because capture happens inside the automated flow, live representatives don't see, hear, or type the cardholder data — shrinking both the PCI scope and the human exposure on every call.
Buyer's checklist
What to Look for in an IVR Payment Solution
Use this checklist to evaluate whether an IVR payment solution supports secure self-service payments, operational efficiency, and a better caller experience.
| Evaluation Area | What to Look For | Why It Matters |
|---|---|---|
| 24/7 Payment Access | Phone payments that remain available outside staffed hours. | Helps customers make payments when it is convenient and reduces dependence on agent availability. |
| Payment Method Support | Support for credit card and ACH payments by phone. | Gives businesses more flexibility for billing, collections, and customer payment preferences. |
| Secure Payment Handling | Payment capture designed to support PCI DSS-aligned handling of sensitive data. | Helps reduce risk and limits unnecessary exposure of payment details during phone transactions. |
| Agent Involvement | Automated workflows that reduce the need for live agents to collect payment information. | Lowers pressure on call center staff and supports more efficient payment operations. |
| Integration Fit | Compatibility with contact center, telephony, and payment environments. | Helps businesses deploy IVR payment processing without forcing disconnected manual workflows. |
| Reporting Visibility | Access to transaction activity, payment status, and operational reporting. | Supports monitoring, reconciliation, and day-to-day payment management. |
| Scalability | Ability to support higher payment call volume through automated payment flows. | Helps businesses handle peak periods and recurring payment demand more efficiently. |
Need an IVR payment solution that fits your payment workflow?
Talk to a specialist →Why teams adopt it
Why Businesses Use IVR Payments
Paygasus supports billing, collections, and service environments where callers need a straightforward way to complete payments by phone without waiting for a live representative.
Business Impact
Reduce call center pressure, extend payment hours, and keep routine phone payments moving through a more controlled workflow.
- Offer callers a familiar pay-by-phone experience with guided prompts.
- Support card and ACH payment collection through one phone payment workflow.
- Reduce routine payment calls that would otherwise require agent time.
- Maintain better control over how payment data is handled throughout the call flow.
Where it runs
Common IVR Payment Environments
IVR payments are commonly used for billing, collections, contact center operations, and after-hours payments.
Billing and Collections
Support one-time payments, overdue balances, and routine account payments through guided phone payment workflows.
Contact Center Operations
Extend payment collection with phone payment options that work alongside live service, support, and call center operations.
After-Hours Payment Access
Keep payment access available when offices are closed or when customers prefer to complete a transaction outside normal business hours.
Card and ACH Collections
Accept card and ACH transactions through the same phone payment workflow to accommodate different payment preferences.
Common Use Cases
Payment Reminders and Balance Resolution
Help callers complete a payment after receiving a bill, notice, or collection reminder.
Routine Self-Service Collections
Give customers a secure automated path to complete common payment obligations without agent involvement.
Off-Hours Payment Completion
Allow payments to be completed outside staffed hours through an automated phone workflow.
Questions
Frequently Asked Questions
IVR payment solutions are automated phone payment systems that allow callers to complete credit card or ACH transactions through guided self-service prompts instead of relying on a live agent to collect payment details.
IVR payments help protect sensitive payment data by using secure payment capture and transmission methods that reduce direct exposure of card details during phone-based payment collection and support PCI DSS-aligned handling.
IVR payment processing is the end-to-end handling of a payment through an interactive voice response system, including caller navigation, payment detail entry, transaction submission, and payment confirmation.
Yes. IVR payment solutions can support ACH transactions alongside card payments, giving businesses a broader set of phone payment options for billing and collections workflows.
IVR payments are completed through an automated self-service phone flow, while agent-assisted phone payments rely on a live representative to guide the transaction or collect payment details during the call.
Ready when your callers are
Ready to Automate Your Phone Payment Workflow?
See how Paygasus supports secure IVR payment solutions for billing, collections, and self-service phone payment environments.