PayByLink allows you to...

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

PayByLink allows you to...

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

PayByLink – Send payment requests in seconds

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.

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.

PayByLink

Frequently Asked Questions

What 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.

How 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.

How 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.

How 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.

What 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.
Can 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.

Can 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.

How 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.

How 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).

Can 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.

How 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.

How 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.

How 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.

Want to find out more?

Contact us now to learn more about how Encoded can improve your business efficiency.

Call us on 01293 229 700.

Key features of PayByLink

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Manual or Automated

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Real-time Reporting

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Customisable Branding

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PCI DSS & GDPR

Want to find out more?

Contact us now to learn more about how Encoded can improve your business efficiency.

Type of enquiry

8 + 2 =

PayByLink – Benefits and Features

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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.
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Real-time Reporting

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

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

The product PDF offers the reader an insight into how Encoded’s Payment service works and its ease of implementation.

Encoded's Payment Products

All of Encoded's payment services work cooperatively. Sharing stored card details between solutions, enabling card holders to use the service of their choice without having to re-enter card data.

IVR Payments

PayByLink

Agent Assisted

eComm Payments

Mobile App

SMS Chat

Our clients include

Latest News

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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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Milk & More Carries on in a Crisis With Secure Automated IVR and Agent Assisted Payments From Encoded https://www.customerservicemanager.com/milk-more-secure-automated-ivr-agent-assisted-payments-from-encoded/

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