sales@encoded.co.uk | 01293 229 700
  • About
  • Products
    • IVR Payments
      • IVR Payments – The Ultimate Guide for 2024
    • PayByLink
    • Agent Assisted Payments
      • Agent Assisted Payments – The Ultimate Guide for 2024
      • Fraud Prevention Platform
    • eCommerce Payments
    • Gateway Services
      • Fraud Prevention Platform
      • Google Pay
      • Apple Pay
    • Payment Orchestration
      • Payment Orchestration – The Ultimate Guide for 2024
    • SMS Chat
  • PCI DSS
  • Customers
  • News
  • Support
  • Contact us
Contact us
Contact us
sales@encoded.co.uk | 01293 229 700
  • About
  • Products
    • IVR Payments
      • IVR Payments – The Ultimate Guide for 2024
    • PayByLink
    • Agent Assisted Payments
      • Agent Assisted Payments – The Ultimate Guide for 2024
      • Fraud Prevention Platform
    • eCommerce Payments
    • Gateway Services
      • Fraud Prevention Platform
      • Google Pay
      • Apple Pay
    • Payment Orchestration
      • Payment Orchestration – The Ultimate Guide for 2024
    • SMS Chat
  • PCI DSS
  • Customers
  • News
  • Support
  • Contact us
our products

PayByLink

Designed for large corporates, Encoded’s PayByLink service offers a fast, hassle-free method of sending a one-time-use short code link to a customer’s phone or email address which can then be used to open a simple payment form.

Business benefits include:
  • Send payment requests in seconds
  • Via SMS, email or social media
  • Real-time feedback and notification of payment
  • Assists with PCI DSS Compliance
Download our PayByLink PDF
OVERVIEW

PayByLink – Send payment requests in seconds

Utilising 3D secure, a pre-populated and pre-authorised payment form is effortlessly sent to your customer.

Available as a standalone service, or to complement other payment channels such as Virtual Terminal or the Engagement Platform from Encoded, PayByLink can be used for a SMS, Email or WhatsApp payment where it is convenient and safe for the customer to submit their card data at that moment.

Offering excellent levels of security, card data is not exposed to the agent or your network. This enables PCI DSS compliance to be achieved by descoping all areas of your organisation.

The service also utilises stored card data if a token pool exists; additionally, the PayByLink service can be used to collect new card data when existing data has expired in a non-intrusive, convenient and cost effective way.

Why Encoded?

Encoded is a Level 1 PCI DSS accredited supplier – which means that contact centres and their customers can rely on Encoded’s technology with absolute confidence.

Download our PCI DSS Certificate
Features and benefits

What are the Key Benefits and Features of our PayByLink Service?



Manual or Automated

Agents can quickly and easily generate and distribute payment requests, or import a payment file to have a request generated and sent automatically.


Real-time Reporting

See in seconds how many PayByLink requests have been sent, received and used.


Customisable Branding

Brand agnostic templates can be used to blend the message and artwork with your own brand or that of your clients.


PCI DSS & GDPR

This simple self-service payment channel has no dependence on your network or resources. Massively descoping your PCI DSS requirements. All data is safely stored and encrypted assisting with GDPR compliance.
Download our guide to PayByLink
The product PDF offers the reader an insight into how Encoded’s Payment service works and its ease of implementation.
Download guide
FAQ’s

Frequently Asked Questions

O PWhat is PayByLink?

PayByLink is a one-time use link sent to a customer’s phone or email to make secure payments. It allows customers to pay securely by debit or credit card at their own convenience.

O PHow does PayByLink work?

A one-time use link is sent to a customer’s phone or email with a simple payment form for them to open and enter their card details. Contact centre agents do not see the customer’s card payment details.

Contact centre agents can generate and distribute payment requests manually or payment files can be imported to send links automatically.

O PHow does a customer receive PayByLink?

PayByLink can be sent via SMS, email, WhatsApp or Facebook Messenger – every method offers a safe way for customers to submit their card data. The unique link provides a pre-populated form to make a payment with a previously stored card or new details can be submitted in a convenient way.

O PHow does a customer know who the PayByLink is from?

Encoded provides templates that can be customised to match a company’s brand. This helps provide a seamless experience to customers and extra reassurance that the link to the payment form is genuine.

O PWhat benefits does PayByLink give to customers?
  • Customers can pay securely at their own convenience. The one-click payment makes it easy for them to make a deposit, purchase or top-up products or services.
  • Payments are easier and quicker, which helps to reduce levels of debt (benefitting both the customer and the merchant).
  • Agents are freed to handle more complex calls or those from more vulnerable customers.
O PCan a customer use stored details with PayByLink?

PaybyLink can use stored card data if a token pool exists. Tokenisation is where a code protects and makes the customer’s card data anonymous to the merchant and is often used for recurring payments. The PayByLink service can also be used to collect new card data when existing data has expired in a non-intrusive, convenient and cost-effective way.

O PCan agents interact with customers with PayByLink?

When used in conjunction with Encoded’s Customer Engagement Platform, PayByLink helps to increase customer service opportunities. Contact centres can use the SMS chat feature on the Customer Engagement Platform, to promote the use of online services, broadcast details of mobile apps and invite customers to download additional product information.

O PHow does PayByLInk affect chargeback liability?

PayByLink shifts chargeback liability from the merchant to the card issuing bank. Customer authentication is required from the card issuer to approve payment. Once approved, it is the card issuer that is then responsible for the money transfer or refund.

O PHow does PayByLink help with PCI DSS and GDPR compliance?

Using Encoded PayByLink eliminates agent and network contact with any personal customer data, helping with General Data Protection Regulation (GDPR) compliance. In this way, PayByLink also supports PCI DSS compliance by helping to de-scope the contact centre and meet the Payment Services Directive (PSD2) by implementing Strong Customer Authentication (SCA).

O PCan I see how many PayByLink requests have been made?

PayByLink provides reports in real-time which shows PayByLink requests sent, received and used. It helps keep track of customer payment activities.

O PHow does PayByLink help with PCI DSS compliance?

Encoded’s PayByLink solution bridges the gap between personalised customer service and enhancing security, whilst reducing the often heavy financial costs of PCI DSS compliance.

The unique link provides a pre-populated payment form for customers to pay with a previously stored card or new details can be submitted in a secure, convenient way, which means that data is stored outside of the contact centre.

O PHow does PayByLink help to de-scope for PCI DSS?

Using PayByLink customer payment data is stored and encrypted independent of a contact centre’s network or resources. It helps to de-scope the contact centre and meet PCI DSS compliance.

O PHow does PayByLink link to other systems?

PayByLink provides seamless integration with Encoded’s Customer Engagement Platform which has the ability to handle most enquiries, only pushing conversations to a live agent when, and if, an enquiry falls outside of set parameters. This enables a few agents to handle a large number of live customer engagements.

Need help?

Contact us on 01293 229 700 or book a call to learn more about how we can improve your business efficiency.
Contact us
SERVICES

Payment solutions for contact centres

Our suite of payment solutions for contact centres include Gateway Services, IVR, Agent Assisted Payments with Fraud Prevention Platform, eCommerce Payments and SMS PayByLink.

IVR Payments

Interactive Voice Response Payments (IVR Payments) is a method that allows callers to enter their card data via touch tones. This self-service process enables debit and credit card payments to be handled 24/7.

Learn more

PayByLink

Designed for large corporates, Encoded’s PayByLink service offers a fast, hassle-free method of sending a one-time-use short code link to a customer’s phone or email address which can then be used to open a simple payment form.
Learn more

Agent Assisted Payments

Agent Assisted Payments enable your contact centre agents to process card payments without being exposed to sensitive card data. Customers use their telephone’s touch-tone keypad to tap in their card details while remaining in conversation with the agent throughout the transaction.
Learn more

eCommerce Payments

Enabling your customers to securely transact through your website. Encoded eCommerce Payments provide contact centre customers with secure checkout options online and on the go. Encoded creates online pages to match a company’s individual site designs, to keep the customer experience (CX) as seamless and secure as possible.
Learn more

Gateway Services

A Gateway is the bridge between merchants, acquirers and banks, whatever the payment channel. A top priority for every business is cash flow. This means ensuring that payments are processed effectively and ideally first time around.
Learn more

SMS Chat

SMS is widely accepted as a non-intrusive, convenient method of communication. Encoded offers a feature rich, highly secure customer engagement messaging solution. As well as SMS and Voice, Encoded’s solution also integrates with many other messaging services such as Facebook messenger.
Learn more
RESOURCES

Download our guides

Secure Contact Centre Payments brochure

Download brochure
Ultimate guide to Payment Orchestration
Download guide
Making Outsourcing Pay white paper
Download white paper
WHAT THEY SAY

What our customers say about us

“We needed to offer our members both fast and secure Payment Card Industry Data, Security Standard (PCI DSS) compliant payment methods and advanced e-commerce capabilities using automated technology. 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.”

Karen Coates, Chief Operations Officer, The Wine Society

“We handle hundreds of thousands of calls every year that demand a broad knowledge of financial and legal matters as well as general property maintenance issues. 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.”

Tracey McCabe, Head of Customer Service, First Port Property Management

“We decided to refresh the online experience in response to customer demand and changes in the industry. It was a moment of clarity – Encoded was already handling our secure payments with data being fed into our billing system. 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 they wanted to make a payment or a change to their account details.”

Business Optimisation Manager,
Severn Trent Water

“One of the key reasons for choosing Encoded was to improve the team’s experience of managing large scale migrations from legacy payment systems. With Encoded’s in-depth knowledge of data security, PCI DSS compliance and the latest payment regulations, JT had confidence that the integration would be carried out within the project timescales and to budget.”

Tim Peach, Finance Operations Manager, Jersey Telecom

“From the outset, it was evident that Encoded grasped our requirements for an easy to deploy, fully transparent solution that could integrate seamlessly with our own IT systems. What is more, Encoded offered us a solid and highly scalable platform that promised to drive efficiencies whilst delivering the personal touch to those callers who needed it most.”

Collections and Recovery Department, One Savings Bank

“Along with the simplicity and highly configurable nature of Encoded’s solution, we were impressed by everyone’s professional, can-do attitude backed up by excellent support. Encoded offered a truly scalable solution that could grow with our business. In particular we trusted Encoded to support new ventures such as flexecash® which has already been adopted by a number of high street retailers.”

June Potts, Head of Customer Contact, Park Group

“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 for its ease of use, speedy implementation and cost-efficiency.”

Shell Energy

“Today, around 10% of all our sales are made using credit or debit card transactions. Our job is to make it easy for customers to pay for services swiftly and securely. Encoded listened carefully to our requirements, made sensible recommendations along the way and even adapted the technology to suit us. The whole experience ran smoothly and we were impressed by their level of knowledge and understanding of our business.”

Peter Doyle, Risk Manager,
Health-on-line

LATEST NEWS

PayByLink articles you may be interested in

Ways to pay in 2023 – Encoded’s top five payment predictions

Ways to pay in 2023 – Encoded’s top five payment predictions

With an increase in online spending and new faster, easier ways to pay companies should think again about payment...

read more
Fraud Prevention v Customer Experience – Getting the Balance Right in Contact Centres

Fraud Prevention v Customer Experience – Getting the Balance Right in Contact Centres

The UK Contact Centre Decision Makers Guide (DMG) 2022 highlights the latest trends in contact centres. Reviewing this...

read more
Shifting liability for fraud from merchants to customers in contact centres

Shifting liability for fraud from merchants to customers in contact centres

Fraud patterns are evolving quickly since the coronavirus outbreak. However, the recent introduction of PSD2 and...

read more

Speak to the team

To discover how our secure payment solutions can free up your contact centre agents' time allowing them to focus on customer service, more complex enquiries and revenue-generating activities.

Contact us
01293 229 700

Encoded Limited, Spectrum House, Beehive Ring Road, London Gatwick Airport, Gatwick, West Sussex, RH6 0LG.

Policies

Terms of Use
Privacy Policy
Cookie Policy
Anti-Slavery Policy
Sustainability Policy

Support

Support
Contact us
Book a call

Copyright © 2022 Encoded Ltd. All rights reserved. | Site Design by RS.