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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. Agents never see the card number, so you shrink your contact center’s PCI scope while getting paid faster — with card data tokenized by a PCI DSS Level 1 payment processor.

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.

Automated phone payments

Callers pay by keypad with a Pulse AI voice agent or pay-by-phone line — no person on the call. The AI agent never asks anyone to read a card number aloud, and card numbers are redacted from its transcripts.

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 automated phone payments work

Four steps, zero card exposure.

Customer calls

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

AI agent takes the payment

A Pulse AI voice agent greets them and starts the payment flow — no staff needed and no hold music.

Secure entry

They key in their card on the keypad instead of reading it aloud; the digits go to the payment gateway for tokenization and card numbers are redacted from the transcript.

Paid & confirmed

The charge processes as a token and the caller hears the result before the call ends.

Why it wins

Less PCI scope. Faster money.

Shrink your PCI scope

Customers enter cards by keypad, text link, or hosted page instead of reading them to a person — the pattern that helps keep agent desktops and recordings out of scope. Your QSA or acquirer makes the final scope determination.

Get paid faster

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

No raw card storage

Card details are entered on secure hosted payment pages or by keypad and tokenized by our PCI DSS Level 1 payment processor. Pulse doesn’t store card numbers.

Works beside your phone system

Text-to-pay links work with any phone system today. Agent-assisted capture runs in PulseConnect; if you’re on another contact-center platform, talk to us about your options.

Recurring on autopilot

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

Agent-assisted when you need a person

In PulseConnect the agent stays on the call; during card entry the agent is held, the caller is muted to the conversation, and the recording pauses. The agent sees only approved or declined.

See the full payments product, the PCI 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 reduce PCI scope?

Callers enter card details on their keypad instead of reading them aloud, and the digits are tokenized by our PCI DSS Level 1 payment processor. On automated AI voice agent payments, card numbers are redacted from transcripts. On agent-assisted PulseConnect payments, the agent is held, the caller muted to the conversation, and the recording paused while the card is keyed in. Your QSA or acquirer makes the final scope determination for your environment.

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 a hosted payment page, card data goes to the payment gateway for tokenization and the agent sees only approved or declined. During agent-assisted capture in PulseConnect the agent is also put on hold and the recording pauses while the card is entered.

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

Text-to-pay works alongside any phone system. Agent-assisted card capture runs in PulseConnect, Pulse’s contact center. If you run another contact-center platform, book a call and we’ll walk through what’s possible for your setup.

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?

Card data is tokenized by our PCI DSS Level 1 payment processor and the phone, text-to-pay, and portal flows are ready-made, so 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.