How to Collect Credit Cards via Phone without PCI Compliance
Blog post from Basis Theory
Merchants seeking to accept credit cards by phone without expanding their PCI-DSS compliance scope face risks from human operators, written notes, computer entry, and call recordings that may capture sensitive payment data. Phone payments are card-not-present transactions, but the involvement of staff can bring otherwise out-of-scope systems into PCI scope if they see, record, or store cardholder information. A recommended approach is to route customers through an interactive voice response system that collects card numbers and CVVs directly by keypad while operators are excluded from the sensitive portion of the call. The system can then encrypt and tokenize the information and send it to a payment service provider, while DTMF masking prevents keypad tones from being overheard or retained in recordings. Combining IVR-based collection, tone masking, and third-party tokenization can help vendors support phone payments while reducing exposure to protected payment data and associated compliance obligations.
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