How Paytia Payment Card Capture Solutions Simplify PCI-DSS 4.1 Compliance at the Telephony Carrier Level

Achieving PCI-DSS 4.1 compliance will be a costly and time-consuming challenge for businesses handling payment card details, especially when these details are transmitted during phone calls. For telephony carriers, this creates a complex scenario where sensitive cardholder data is passed through voice networks without adequate safeguards and an opportunity to solve a problem for business customers while increasing business revenue per customer.

By plugging in the Paytia payment card capture solution directly into the carrier telephony network, carriers can pass on the benefits, allowing businesses to dramatically reduce the effort and costs associated with evidencing they meet PCI-DSS compliance while ensuring customer payment data is secure. This article explores the difference between traditional payment handling and Paytia’s innovative solution.

Understanding the PCI-DSS Compliance Challenge in Telephony

When cardholder data is shared during a phone call, it enters the business’s environment via voice networks, creating multiple compliance risks:

• Card Data Exposure: Employees handling sensitive card information introduce potential for human error or malicious activity.
• Carrier Limitations: Telephony carriers lack visibility into call context, making it difficult to address PCI compliance risks.
• Compliance Costs: Businesses must invest in expensive monitoring systems, encryption, and staff training to secure payment processes.
• Location: Not at all user-friendly for remote working.

Scenario 1: Without Paytia

In a traditional setup, cardholder data is transmitted verbally during calls and recorded by business employees. The call audio travels over the Carrier network where it is delivered externally to other carriers, hosted telephony, digital telephony, mobile or hard-wired endpoints

How It Works

1. Call Process:
2. Carrier Involvement:
3. Compliance Challenges:

Note: these issues are all driven by the business user having to hear the card data to be able to use it in a transaction flow.

Drawbacks

• Increased risk of human error and fraud.
• Significant investment in security systems and compliance monitoring.
• Complex and expensive PCI-DSS certification processes.

Scenario 2: With Paytia

Plugging Paytia into the carrier telephony network transforms the way cardholder data is captured, processed, and secured. Card data never reaches the merchant business and is now out of scope for the business people, processes and technology.

How It Works

1. Call Process:
2. Carrier Involvement:
3. Compliance Benefits:

Advantages

• Enhanced security by removing card data from employee and business systems.
• Reduced compliance workload for businesses, as sensitive data is handled by Paytia.
• Improved customer trust with secure, transparent payment processes.
• Increase revenue through the upsell of the secure card capture service.

Comparing the Scenarios: Without vs. With Paytia

Why Carriers and Businesses Should Embrace Paytia Secure Card Capture

1. Enhanced Security: By capturing payment card data directly at the carrier network level, Paytia ensures no sensitive data enters the business environment of any downstream endpoint, no matter where the call ends up terminating.
2. Simplified Compliance: Businesses avoid the complexities of PCI-DSS 4.1 by outsourcing payment capture to Paytia, as a PCI-DSS Level 1 service provider.
3. Freedom: Free business employees from the constraints having to protect card data brings. Rather than trying to put a workaround in place in all the people and technology card data touches, Paytia removes card data to give you freedom.
4. Cost Savings: Reduced need for infrastructure investments, compliance audits, and employee training.
5. Seamless Integration: Paytia operates directly within the carrier network, ensuring a smooth, secure customer experience.
6. Improved Reputation: Businesses and carriers benefit from enhanced customer trust and loyalty.

So to wrap things up

Integrating Paytia payment card capture solutions into carrier telephony networks is a game-changer for businesses striving to meet PCI-DSS 4.1 compliance. By removing sensitive cardholder data from business environments and securely handling payments at the carrier level, Paytia simplifies compliance, reduces costs, and enhances security.

Ready to revolutionise your payment processes and streamline PCI compliance? Let’s connect to discuss how Paytia can make it happen.

We’d love to show you what all this could mean to your voice sales and telephony base.?

www.paytia.com

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