Introduction – what is Pay-Tel?
Pay-Tel is a cloud based PCI level 1 approved payment application.
With examples of high profile security breaches increasingly common in the media, complying with the PCI standards has never been more important for companies wishing to take payments over the phone. PCI compliance firms up your corporate security and gives your customers added peace of mind when divulging their private card details.
Pay-Tel allows the caller to enter the secure data via their telephone keypad and the resulting DTMF data is suppressed providing a secure and efficient payment process. By suppressing the data entered by the caller, the system prevents credit card information from being picked up by the call-handler, caller or recording equipment ensuring watertight security of data. The payment details are forwarded straight through to the merchant’s credit card processing platform in a secure format such as XML over HTTPs (other formats are available on request). In accordance with legal requirements concerning call recording and storage, Pay-Tel also supports operation alongside call recording systems without disruption.
The Pay-Tel solution sits on a standalone state of the art platform located within Cable & Wireless.
The solution inside the solution
When using Pay-Tel there are main services available;
- Fully automated payment line
- Calls are delivered straight into the Pay-Tel platform.
- Our automated transaction service processes the card transaction using suppressed DTMF tones
- API into your merchant services
- Calls can originate in a call centre environment before arriving at Pay-Tel and can return to an agent if required once the transaction process is complete
- Live agent payment service
- Your contact centre continues to take the call from clients directly
- At the stage of card processing the agent will enter a request to activate Pay-Tel using predefined keypad selections
- At this point Pay-Tel is activated and handles the card transaction process
- Pay-Tel will integrate with your internal systems
- Uses a standard phone keypad to input payment details
- Complements all of our Call Studio products
- Works alongside call recording systems
- Eliminates card theft risk from your organisation and combats credit card fraud
The security behind Pay-Tel
Despite the fact our IVR’s are hidden behind 2 layers of CISCO firewalls internally the IVR’s still communicate using the latest TLS1.2 secure communication methods.
The PCI principles work in such a way that even if an attacker was able to bypass the external layers of security this would not give them access to any sensitive data as there are further layers of security hardening on the internal core systems. The secure protocols used internally together with continuous monitoring would make further penetration extremely difficult.
A secure PCI network is at least as secure on the inside as it is on the outside; our Pay-Tel solution is exactly that. Although Pay-Tel is extremely secure, our systems are monitored and self scanned using PCI approved tools within the network – continually probing for any potential breaches in security. Separate to our own scanning procedures conducted continuously, under PCI controls our system is scanned both internally and externally by PCI auditors every quarter
The platform builds our own API’s and integrates with customer API’s for data exchange to provide screen pop ups for call centres and distribution via skill based routing, provide CRM or data population and many other unique attributes; almost anything a client wishes for the system to do, it can. The system is truly bespoke. With Pay-Tel we have continued this heritage with a suite of secure methods that can be monitored and manipulated according to a client’s individual requirements and network architecture.
The platform is heavily resourced in highly skilled programmers and engineers and is comfortable working with such high levels of requirements and integration plans.
What is an IVR?
An IVR is an Interactive Voice Response platform with technology that automates interactions with telephone callers via the use of voice and DTMF keypad inputs.
Our IVR’s – The technology
Based on Pika HMP technology including tone suppression in the API and controlled by advanced Pika algorithms developed over more than 25 years of experience. Pika excels in this field, has done so for the last decade and continue to win awards. ( http://www.pikatechnologies.com/english/View.asp?x=878 )
We are proud to use such reliable equipment within the network architecture.
Pay-Tel Customer Support
All of our clients are provided with a dedicated Account Manager and the backup of an outstanding Technical Support team.
Pay-Tel working with Blackfoot
Pay-Tel is proud to announce our close working relationship with Blackfoot to assist with security, PCI controls and awareness training.
Blackfoot UK is an information security specialist, providing consultancy and services to assist with information security and compliance. goto www.blackfootuk.com