Send payment requests in seconds via SMS, email or social media with PayByLink

Manual or Automated
Real-time Reporting
Customisable Branding
PCI DSS and GDPR Compliant

PayByLink

Send payment requests in seconds
Via SMS, email or social media
Real-time feedback and notification of payment
Assists with PCI DSS Compliance

Discover More

IVR Payment Solutions

Reduce agent costs by up to 80%
Protect your brand from card data theft
Easily achieve PCI DSS SAQ-A

Discover More

Agent Assisted Payments

De-scope your compliance project by over 50%
Achieve full PCI DSS SAQ C-VT certification
Secure your contact centre against card theft

Discover More

Send payment requests in seconds via SMS, email or social media with PayByLink

Manual or Automated
Real-time Reporting
Customisable Branding
PCI DSS and GDPR Compliant

About Us

PayByLink

Send payment requests in seconds
Via SMS, email or social media
Real-time feedback and notification of payment
Assists with PCI DSS Compliance

Discover More

IVR Payment Solutions

Reduce agent costs by up to 80%
Protect your brand from card data theft
Easily achieve PCI DSS SAQ-A

Discover More

Agent Assisted Payments

De-scope your compliance project by over 50%
Achieve full PCI DSS SAQ C-VT certification
Secure your contact centre against card theft

Discover More

Learn how Encoded is preparing for the COVID-19 (Coronavirus) and its potential impacts

Learn More

Welcome

Encoded is a Payment Service Provider and pioneer of new and innovative secure payment solutions for contact centres.

Encoded offers a range of card payment solutions designed to help organisations comply with GDPR, PCI DSS and prepare for the new Payment Services Directive (PSD2). Our complete contact centre payment suite includes IVR Payments, Virtual Terminal, Web Payments, Mobile Apps and the very latest PayByLink solution.

Encoded’s secure payment solutions free up valuable contact centre agent time allowing people to focus on customer service, more complex enquiries and revenue generating activities.

Download our Contact Centre Decision-Maker’s Guide 2018-19

Download Now

Our Core Services

Encoded’s secure payment solutions have been designed to free up contact centre agents to focus on customer service.

IVR Payments

Using Encoded’s IVR payment solution, your customers can pay by credit and debit card directly by keying in details via their phone, mobile device or the internet. It offers an easy way to achieve PCI DSS compliance as the information is not accessible by contact centre agents.

Agent Assisted Payments

With Encoded’s Agent Assisted solution customers use their touch-tone phone to enter their card details. They stay connected to an agent who gets real-time on-screen feedback, but is protected from any sensitive card details. This allows a personal service and helps to meet GDPR legislation.

Web Payments

Encoded’s web payment solution connects seamlessly with an organisation’s website, enabling customers to pay securely online. For those wishing to use messaging services, including SMS and Facebook Messenger, Encoded’s Customer Engagement Platform offers a secure and easy way to pay.

PayByLink

PayByLink is a simple self-service payment channel that allows your customers to pay securely by debit or credit card in a hassle-free way and at their convenience. A one-time link is sent to a customer’s phone or email for them to open a simple payment form and respond with their payment details. Helping with two-factor authentication PayByLink assists with PSD2 compliance.

Encoded is a Level 1 PCI DSS compliant payment service provider with products that include:

IVR Payments

PayByLink

Agent Assisted

Web Payments

Mobile App

SMS Chat

Using the Encoded Customer Engagement Platform contacts can simply reply by text to a message on their phone with the word ‘pay’ to process payment. It provides an easy and simple way to collect outstanding balances and frees up agents from having to chase late payments. It also reduces levels of debt as payments are kept up to date.

Using SMS Chat is also a great way for contact centres to keep customers updated of new services or inviting them to download and read the latest product information.

There’s even an Encoded Mobile app available where card details are stored for customers to pay securely with just one click. Mobile apps provide an easy and fast way for customers to place a deposit, make a purchase or top-up on products or services.

Encoded’s payment software solutions support many of the UK’s leading brands including Virgin Holidays, Mercedes-Benz Financial Services, BMW Financial Services, Green Star Energy and Anglian Water Business.

Our clients include

COVID-19 (Coronavirus) Preparedness

As news develops on the spread of COVID-19 (Coronavirus) and its potential impacts, Encoded is carefully monitoring the situation and amending its ‘business continuity plan’ to accommodate for and anticipate the spread of the virus.

Understanding declined codes – 3 ways to cut costs

Rob Crutchington at payment service provider, Encoded discusses how understanding more about declined transaction codes could make a difference to the bottom line…

Card Fraud Reduction

Rob Crutchington at Encoded recommends asking three simple questions when deciding which fraud control method to use. Many methods of taking card payments have emerged over the years as companies strive to be PCI DSS compliant…

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“Encoded is a dream to work with. They are efficient, reliable and totally professional with highly flexible technology to match. Always open to new ideas, they truly listen to what we want and go the extra mile to achieve it. That’s what makes them different and sets them apart from the competition.”

- Head of Customer Contact, Park Group.

“The people at Encoded blended well with our own team and understood our culture perfectly. They appreciated our requirement for a user-friendly solution that reflected Virgin’s own unique sense of style.”

- Operations Analyst, Virgin Holidays.

“Encoded has enabled us to build a truly round-the-clock operation without the need to increase our customer service headcount. To deal with the calls currently handled by IVR we estimate we would need to increase the existing number of agents by around 20%.”

- Managing Director, Green Star Energy.

About Encoded

Encoded is a leading PCI DSS compliant provider of secure interactive voice response payment solutions. Encoded’s products are designed to fulfil three key objectives; Reduce costs by automated business processes, Increase sales by offering new fulfilment channels, Improve customer service by maximising resource efficiency.

Contact Encoded

Head Office:
Encoded Ltd
Spectrum House
Beehive Ring Road
Gatwick
West Sussex
RH6 0LG.

Tel: 01293 229 700
Email: sales@encoded.co.uk

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3 Mar

Declined codes – 3 ways to improve acceptance https://www.mycustomer.com/community/blogs/rob-crutchington/declined-codes-3-ways-to-improve-acceptance#.Xl6YzIVsxno.twitter

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