Subphonic Transact · Pay by Phone
Stay on the call. Never hear a card number.
Pay by Phone keeps your team on the call while the customer enters their card details by keypad or voice. Every digit is masked in real time. Staff never hear them and nothing is recorded, so compliant payment handling is maintained throughout.
How it works
Four steps, one click to process
The staff member and the customer stay in conversation from start to finish. Transact sits between them and the phone system, removing the card digits before they reach anyone or anything on your side.
Select payment method
(Keypad or Speech)
(Webchat, SMS or Email)
01 / Start
Open Transact
The staff member opens Transact, standalone, in the browser or inside the CRM, and selects Pay by Phone.
Enter the code below into your phone to initiate the correlation process:
Listening…
02 / Match
Link the call
The live call is matched to the transaction automatically. A short code covers withheld numbers.
03 / Keypad
Tones muted, captured live
The customer types their card number on the keypad, guided by the staff member. Tones are stripped from the live call in real time and only appear as asterisks on screen.
04 / Speech
Or pay by voice
Customers who struggle to type can read out their card details instead. These are captured and masked the same way without staff hearing, so they can stay on the line to support queries. Payment is confirmed to both parties.
Why it matters
Hands-on support without the technical complexity
No pause, no mute
Keypad tones are stripped from the live call and spoken digits are captured before they reach the agent. The recording runs uninterrupted and stays compliant.
Accessible by default
Customers choose keypad or voice. Those who struggle to type, or are on a handset without a keypad, can simply read their details out.
Works with your phone system
No phone-system integration is required. Calls are matched to transactions automatically, and a short code covers withheld numbers.
Pairs with Focus
Record every call in its entirety
Subphonic Focus records every call for compliance, coaching and quality, while Transact handles the payment in the background. Because card data never enters the recording, there is no gap, no redaction needed, and no compromise on either product's compliance stance.
Ready to talk?
Transact keeps people in the conversation and card data out of your environment, helping your business meet PCI DSS without pauses, mutes or extensive system rebuilds. Book a demonstration to see it for yourself.