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Pay by phone & text-to-pay

Get paid on the call — without your agents ever seeing a card.

Take secure payments over the phone, by text, or on a branded portal. Card data never touches your agents or your systems, so you descope your contact center from PCI while getting paid faster on PCI DSS Level 1 rails.

Three ways to collect

Every way a customer wants to pay — none your agents can see.

Phone, text, or portal, the payment happens right where the conversation does, on one secure set of rails.

IVR phone payments

Callers pay by keypad straight into the gateway. An automated agent runs the flow — your staff and your AI never see the card number.

Text-to-pay

Drop a secure pay link into any SMS. One tap opens a tokenized checkout; the payment reconciles back to the invoice automatically. SMS gets a ~98% open rate.

White-label pay portal

A branded, self-service page where customers view balances, save methods, and pay in seconds — no app, no login.

How IVR payments work

Four steps, zero card exposure.

Customer calls

They reach your contact center from any phone, on the system you already run.

Bot takes over

An automated agent greets them and starts the payment flow — no agent needed and no hold music.

Secure entry

They key in card and amount by keypad (DTMF), isolated from your agents and your environment.

Paid & reconciled

The charge processes on tokenized rails and a receipt is texted or played instantly.

Why it wins

Less PCI scope. Faster money.

Descope your contact center

Card data never touches agents or your systems, so the PCI scope — and audit cost — of taking payments shrinks dramatically.

Get paid faster

Text-to-pay and one-tap checkout collect in minutes, not mailed-invoice weeks — customers see 90%+ faster collection.

Zero card exposure

Tokenized vaulting and PCI DSS Level 1 rails mean no raw card numbers in your world, ever.

Works with your stack

Vendor-agnostic by design — add secure payments to the contact center, UCaaS, and carriers you already use instead of ripping them out.

Recurring on autopilot

Turn a one-time phone payment into a saved method and an automated recurring or scheduled charge.

Level II & III ready

Pass enhanced data on corporate and government cards to qualify for lower interchange.

See the full payments product, the PCI DSS Level 1 security model, or resell it under your brand with white-label payments. Comparing options? See Pulse vs Stripe and vs Square.

FAQ

Phone & text payments, answered.

How do phone payments stay PCI compliant?

Callers enter card details by keypad (DTMF) directly into the tokenized gateway. Agents, recordings, and even the AI voice agent are isolated from the raw card number, which keeps card data out of your environment and minimizes your PCI scope.

What is text-to-pay?

Text-to-pay sends a secure payment link by SMS. The customer taps it, checks out on a hosted, tokenized page — no app or login — and the payment reconciles back to the invoice automatically. Because SMS is opened ~98% of the time, it collects far faster than email or mailed invoices.

Do agents ever see the card number?

No. Whether the customer pays by phone keypad, by text link, or on the self-service portal, card data flows straight to the tokenized gateway. Your agents never see, hear, or store it.

Does it work with my existing phone system and contact center?

Yes. Pulse is deliberately vendor-agnostic — it layers secure payments onto the contact center, UCaaS, and carriers you already run, rather than asking you to migrate.

Can I automate recurring or scheduled payments?

Yes. A one-time phone or text payment can vault a tokenized card and drive automated recurring or scheduled charges through Pulse’s recurring billing.

How fast can we launch?

Because you inherit certified PCI DSS Level 1 rails and ready-made IVR, text-to-pay, and portal flows, there is no payments build to do — most teams go live quickly. Book a demo and we’ll map it to your setup.

Get started

See how fast Pulse gets you paid.

Book a walkthrough and we’ll show you phone, text, and portal payments on your setup.