Agent Assisted Payments
Agent Assisted Payments enable your contact centre agents to process card payments without being exposed to sensitive card data.
- De-scope your compliance project by over 50%
- Help achieve full PCI DSS SAQ C-VT certification
- Secure your contact centre against card data theft
Our Agent Assisted Payment solution
Customers use their telephone’s touch-tone keypad to tap in their card details while remaining in conversation with the agent throughout the transaction.
Encoded’s solution bridges the gap between providing personalised customer service and enhancing security, while reducing the often-heavy financial costs of PCI DSS compliance.
The payment process begins when the card holder is ready to make a payment. The agent and customer remain connected while the card holder enters their card details using their phone keypad. During this, the contact centre agent is provided with real-time on-screen feedback but is protected from viewing any sensitive card details helping to de-scope for PCI DSS purposes (take a look at our Ultimate Guide to Agent Assisted Payments for 2023).
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.
This pie chart illustrates that over 50% of the PCI SAQ C-VT is completely removed when using Agent Assisted Payments.
Compliance with PCI DSS should always be seen in the wider context of an information security framework, which may also take into account other industry-specific regulations. There is a balance to be found between compliance with various regulations, including PCI DSS and each company’s unique processes and internal guidelines. It’s important to remember that PCI compliance isn’t a once-a-year box-ticking exercise, but should be inherent in the security DNA of every organisation and contact centre which accepts card payments.
Technology or payment solutions in themselves cannot be PCI DSS compliant as compliance is at a company level and is only complete when an organisation has considered its own PCI status and that of its third-party service providers. Implementing Encoded Agent Assisted Payments significantly reduces the time, cost and resource required to complete PCI DSS Self-Assessment Questionnaires (SAQs) for a company to become PCI compliant.
Premium Agent Assisted Payments – Tokenisation
What are the Key Features of Assisted Payments?
Reduces the financial and operation costs of PCI DSS compliance and other security compliance programs
Improved Customer Experience (CX)
Requires minimal disruption to your current contact centre operation
Demonstrates commitment to keeping your customers’ details secure
- Reduces the financial and operational costs of PCI DSS compliance and other security compliance programs
- Requires minimal disruption to your current contact centre operation
- Demonstrates your commitment to your customer’s security
- Includes premium features as standard; such as real-time verification of card details, card tokenisation and tight integration with existing systems
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.
Frequently Asked Questions
What are Agent Assisted Payments?
How secure assisted payments work
PCI-DSS and agent assisted payments
How to de-scope with agent assisted payments
Affordable PCI DSS compliance
How to make payments accessible for all
Pause and resume recording for Agent Assisted Payments
Premium Agent Assisted Payments – Tokenisation
Can agents talk to customers when taking assisted payments?
How do agent assisted payments integrate with other systems?
Need help?
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.
PayByLink
Agent Assisted Payments
eCommerce Payments
Gateway Services
Download our guides
Secure Contact Centre Payments brochure
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
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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.