As conversational AI moves rapidly into live customer interactions (including phone-based ordering and service calls), it is increasingly becoming a presence at the very moment payments occur., often unintentionally, and sometimes without governance catching up. The result is a growing zone of confusion around PCI scope, liability, and architectural responsibility.

If organizations continue to accept payments over the phone with live staff involved, manual controls will fail faster than contact center complexity grows. IVR Payments represent a structural response to that reality. They allow businesses to continue accepting phone payments with live agents while meeting modern PCI expectations.

As AI agents transact autonomously, legacy identity models break down. Learn why agent identity, authorization, and attestation redefine trust in agentic commerce.

What follows is a use case where an insurance provider used Datatel’s advanced CryptoIVRTM together with Authorize.net to streamline payments for all lines of business. From one single point of contact, every caller was routed to the correct Authorize.net account automatically. The result was a fast, secure, and accurate experience for policyholders and staff.

The Shopify, OpenAI, and Stripe’s partnership marks the first working model of agentic commerce. Discover how conversational AI is reshaping product discovery and checkout.

Agentic Commerce is redefining payments as AI agents start buying on our behalf, unlocking massive opportunities and entirely new risks. With PCI, GDPR, and AI rules converging, security becomes the gateway to the future because in a world where machines buy from machines, only trusted systems win.

Billing teams feel the pain first. They see the frustration. They handle the consequences of every call, every error, every delayed correction, and every overcharge or undercharge. They also carry the emotional load of customers who are anxious, upset, or financially stressed.

An IVR phone payment system is more than a convenience. It is a strategic tool for reducing operational pressure, improving customer experience and strengthening payment security. In a world where billing teams are under constant strain, IVR Payments give organizations a practical, scalable way to operate with confidence and control.

Secure phone payments require more than a phone line. They demand a system that keeps staff away from card data, reduces PCI scope, and protects both your team and your customers. This guide explains how businesses can safely accept payments over the phone using PCI-compliant IVR technology, caller authentication, tokenization, and strong internal workflows.

This Report Shows Why Organizations invest in IVR Payments to cut costs, reduce PCI scope, and improve customer experience. This report explains the real reasons behind stalled adoption and shows how leading organizations shifted from 98 percent agent-assisted payments to 3 percent, with IVR self-service rising from 2 percent to 100 percent in under 12 months.