Subphonic Transact · Unassisted payments
Self-service payments on whichever path the customer is already on.
Not every payment needs a person on hand to support it. Self-service routes are convenient for customers making straightforward transactions and reduce the business cost of chasing debts and staffing phones. Transact takes card details straight from the customer on an automated phone menu, an agentic voice bot, website chat, SMS, an emailed link or a reference in a letter.
How it works
Six ways in, one secure capture
Every unassisted channel feeds the same PCI DSS Level 1 capture. The customer enters their card number, your systems only ever see masked digits, and the outcome is posted back to your records.
Any channel
One integration, every route
Add IVR, chat or a payment link without another compliance review. Every route feeds the same secure capture.
Always on
Payments without staffing
Customers pay when it is convenient for them: out of hours, in the queue, or after the call has ended. No member of staff required, no callback, no hold music.
Your records
Your systems stay in the loop
Transact checks the balance due and posts the result back: authorised, declined, amount, reference.
Why it matters
Convenience for customers, capacity for your team
Fewer calls to chase
A reference in a letter, a link in an email or an option in the IVR lets customers settle a balance without waiting for an agent. That reduces the cost of chasing debts.
Agentic AI, still in scope
Voice bots and chat assistants can take payments through the same secure capture, so adding an AI channel does not mean another compliance review.
A person when it matters
If a customer gets stuck, the transaction hands over to a member of staff on a live call. Card digits stay masked throughout.
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.