IVR Payments
Take card payments automatically.
Cut your payment-handling costs by up to 80%.
Secure, PCI-compliant IVR lets callers pay 24/7 by phone — AI-enhanced and integrated with your existing contact centre stack. No agent required at any step.
- PCI DSS Level 1
- 24/7/365 availability
- No setup fee
- UK-based support
80%
Cost reduction vs agent-handled payments
99.99%
Uptime SLA — financially backed
£0.50
Per successful transaction only
Process Flow
How IVR payments work
A fully automated, secure payment journey from first ring to receipt — 24/7, with no agent involvement required at any step.
01
Call received
Encoded IVR answers instantly. Available 24/7/365 with no hold queues.
02
Authentication
Caller verified via account ref, postcode, invoice number, or date of birth.
03
Card entry
PAN, expiry and CVV entered via DTMF keypad or ASR voice recognition.
04
AI fraud check
Real-time ML scoring, velocity checks and BIN screening in milliseconds.
05
Acquirer routing
Encoded Gateway routes intelligently for best approval rate and cost.
06
Authorised
Payment confirmed. Card data tokenised — never stored in your environment.
07
Receipt sent
Instant confirmation via SMS, email, or WhatsApp at the caller’s preference.
Your Team
Your agents stay on the calls that need them
Card capture is the part of the call that adds no value and carries all of the risk. Encoded’s IVR takes it off your agents entirely — they stay on the conversation, and never see or hear a card number.
- Agents stay on the line for the parts that genuinely need a human.
- Card data never enters your contact centre or your call recordings.
- Absorb payment peaks without adding headcount or overtime.
ROI Calculator
See exactly what you’d save
Move payment calls to automated IVR and the maths is dramatic. Based on real industry benchmarks from Contact Babel.
Your contact centre profile
Your projected savings
Features & Benefits
What a modern IVR system needs
Encoded’s IVR solution goes far beyond basic DTMF — built for the capabilities enterprise contact centres need in 2026.
DTMF + ASR Voice Recognition
Accept card details via keypad tones (DTMF) or spoken digit recognition (ASR). Caller preference supported — accessibility built in as standard.
AI-Powered Fraud Detection
Real-time ML models score every transaction before authorisation. Velocity checks, BIN screening, and behavioural analysis working in unison.
Payment Orchestration
Encoded’s Gateway intelligently routes across multiple acquirers. Maximises approval rates, minimises interchange, with automatic failover.
Open Banking Integration
Offer Pay-by-Bank as an IVR payment alternative. Lower fees, instant settlement, no chargebacks. Future-proof with Variable Recurring Payments (VRP).
Real-time Analytics Dashboard
Live transaction monitoring, call completion rates, abandonment analysis, and revenue attribution. Export to BI tools or via Encoded’s webhook API.
Tokenisation & Repeat Payments
Returning customers confirm payment without re-entering card details. Encoded stores network tokens from Visa and Mastercard to improve authorisation rates.
Omnichannel Fallback
Struggling caller? Encoded seamlessly escalates to PayByLink SMS, WhatsApp payment, or agent hand-off — preserving full session context throughout.
CRM & Telephony Integration
Out-of-the-box connectors for Salesforce, Dynamics 365, Avaya, Genesys and Cisco. Screen-pop and auto-reconcile with your accounting systems.
Multi-currency & Multi-language
Accept payments in 130+ currencies. IVR prompts available in 25 languages with natural-sounding TTS voices to match your customer base.
In Your Control
Slots into the phone system you already run
Encoded sits alongside your existing telephony and CRM rather than replacing it. Callers dial the same numbers, your team works in the same systems, and the payment step is simply handled somewhere safer.
- Works with your current numbers, IVR menus and call routing.
- Connectors for Salesforce, Dynamics 365, Avaya, Genesys and Cisco.
- Live reporting in your dashboards, reconciled against your ledger.
Security & Compliance
Card data never touches your systems
Encoded has held PCI DSS Level 1 accreditation since 2011. Your PCI scope is minimal by design.
PCI DSS Level 1
Highest certification since 2011. AOC and QSA audit available on request.
SAQ-A Scope
Minimal PCI burden for your business. Card data handled entirely by Encoded.
UK GDPR Compliant
UK datacentres. ICO-registered. Full DPA and data residency guarantee.
ISO 27001 Certified
ISO 9001 & 27001 certified. Annual CREST penetration testing.
What Encoded never stores
- Full card numbers (PAN)
- CVV / CVC security codes
- Magnetic stripe or chip data
- PIN blocks
- Call recordings during card entry
Infrastructure guarantees
- 99.99% uptime SLA with financial penalties
- Active-active dual-datacentre redundancy
- <200ms end-to-end authorisation latency
- TLS 1.3 + AES-256 encryption in transit & at rest
- Real-time status page & proactive incident alerts
Ecosystem
Connects with your stack
Encoded integrates with all telephony systems, CRM platforms, acquirers and accounting systems. API-first architecture for bespoke requirements.
Always On
24/7 cover, without 24/7 staffing
Payment calls do not stop at 5pm. The IVR answers every one — evenings, weekends and bank holidays — with no hold queue, no overtime and no drop in service.
- 24/7/365 availability with no hold queues at any hour.
- Absorbs seasonal and billing-cycle peaks automatically.
- Runs as out-of-hours and overflow cover alongside your existing team.
What Our Customers Say
Trusted by the UK’s leading brands
Encoded solutions are used by hundreds of organisations across automotive, utilities, financial services, and retail.
Encoded had done their homework and cared about our members and our business, even suggesting additional creative ways to use Encoded technology. From the outset, it was clear they were exploring new ideas to help us work even smarter.
KCKaren CoatesChief Operations Officer, The Wine Society
Encoded presented a sound proposal that promised to deliver round-the-clock efficiencies in a cost effective package. The final overall approach and sophisticated IVR technology proved to be the perfect answer to our business problems.
TMTracey McCabeHead of Customer Service, FirstPort Property Management
It was a moment of clarity – Encoded was already handling our secure payments. We needed to create a front-end link so that customers could access this information themselves, rather than relying on speaking to an agent every time.
STBusiness Optimisation ManagerSevern Trent Water
Tens of thousands of calls relating to payment and meter reads are handled by sophisticated technology provided by Encoded. Encoded’s solutions have supported our business from day one, having been selected from a shortlist of four vendors.
SEPayment Operations TeamShell Energy
Live — processing payments for 200+ UK contact centres
Ready to cut your payment processing costs?
Join hundreds of leading UK brands already saving millions with Encoded IVR Payments. Go live in under 2 weeks. No long-term contract required.
- No setup fee
- Pay per transaction
- 2-week implementation
- UK-based support team
- SLA-backed contract