Payment Guides

Telnyx AI agent PCI payments: the caller keys their card outside the conversation, and Shuttle charges it as the…

Moving calls from Twilio to Telnyx? If you take payments through Shuttle, they can come with you: same account, same…

Quick answer: one global PSP is simpler to run and usually right until international volume becomes material in a…

Quick answer: a virtual terminal is a browser-based payment form where a member of staff keys in a customer's card…

Quick answer: taking card payments over the phone is fine under PCI DSS. What matters is how the card number travels.…

Quick answer: agent-assisted payments keep a live agent on the call while the caller types their card number on their…

Quick answer: IVR payments let callers pay through an automated keypad flow with no agent on the line. The caller keys…

Quick answer: a medical billing company or RCM firm collects patient payments that belong to its client practices. That…

Quick answer: if your business collects payments that belong to your clients, you need each payment to settle into that…

Twilio Pay is Twilio's product for taking card payments over the phone. It is built into Twilio Voice as the <Pay>…

There are two ways to charge a Stripe-connected card during a phone call (IVR, agent-assisted, or AI voice agent):…

Twilio Pay Connectors are integrations that link Twilio's voice platform to a payment gateway, so you can capture card…

If Twilio's <Pay> verb just threw a 64xxx error at you, here's the thing to understand before you touch any code: these…

The Twilio Stripe Pay Connector is Twilio's native integration between the <Pay> verb and Stripe. It lets you capture…

Quick answer: switching Twilio Pay Connectors is a one-attribute change. The connector is selected per-request by the…

Quick answer: yes, you can take ACH payments over the phone. The caller keys their bank routing number and account…

LiqPay doesn't natively connect to Twilio for voice payments. If you want to process LiqPay transactions during a phone…

USAePay doesn't natively connect to Twilio for voice payments. If you want to process USAePay transactions during a…

Twilio's Generic Pay Connector, generally available since 15 August 2023, lets you connect Twilio's <Pay> verb to any…

FreedomPay doesn't natively connect to Twilio for voice payments. If you want to process FreedomPay transactions during…

PayU doesn't natively connect to Twilio for voice payments. If you want to process PayU transactions during a phone…

Paysafe doesn't natively connect to Twilio for voice payments. If you want to process Paysafe transactions during a…

CardConnect is one of the few gateways Twilio supports natively. Alongside Stripe, Braintree, Base Commerce, Chase…

Opayo doesn't natively connect to Twilio for voice payments. If you want to process Opayo transactions during a phone…

Moneris doesn't natively connect to Twilio for voice payments. If you want to process Moneris transactions during a…

Braintree, PayPal's full-stack payment gateway, is one of the few PSPs that Twilio supports natively. Twilio launched a…

NMI doesn't natively connect to Twilio for voice payments. If you want to process NMI transactions during a phone call…

Cybersource doesn't natively connect to Twilio for voice payments. If you want to process Cybersource transactions…

NAB doesn't natively connect to Twilio for voice payments. If you want to process NAB Transact transactions during a…

Transbank doesn't natively connect to Twilio for voice payments. If you want to process Transbank transactions during a…

Xendit doesn't natively connect to Twilio for voice payments. If you want to process Xendit card transactions during a…

Ecommpay doesn't natively connect to Twilio for voice payments. If you want to process Ecommpay transactions during a…

BS Payone (now branded PAYONE) doesn't natively connect to Twilio for voice payments. If you want to process PAYONE…

Trust Payments doesn't natively connect to Twilio for voice payments. If you want to process Trust Payments…

Fat Zebra doesn't natively connect to Twilio for voice payments. If you want to process Fat Zebra transactions during a…

ACI Speedpay doesn't natively connect to Twilio for voice payments. If you want to process Speedpay transactions during…

Fortis doesn't natively connect to Twilio for voice payments. If you want to process Fortis transactions during a phone…

ACH is the cheapest way to get paid on a large invoice. Cards cost a percentage of every transaction, so a $10,000…

Mollie doesn't take in-call keypad card capture through Shuttle, but callers can still pay during a Twilio call with a…

If you run a software platform, you almost certainly built your own payment links. You are a tech company with…

Shift4 doesn't natively connect to Twilio for voice payments. If you want to process Shift4 transactions during a phone…

QuickBooks Payments doesn't take in-call keypad card capture through Shuttle, but callers can still pay during a Twilio…

Lindy is a no-code AI agent builder that lets businesses create "AI employees": autonomous agents that handle email…

Mitel is one of the most widely deployed enterprise telephony and unified communications platforms in the world. Its…

Phonely is an AI phone answering platform for businesses. It answers inbound calls, books appointments, qualifies…

Ada (ada.cx) is an enterprise AI customer service platform built around what the company calls Agentic Customer…

Sierra (sierra.ai) is an enterprise conversational AI platform, an "AI Agent OS" that powers customer service agents…

Gupshup is one of the world's leading conversational messaging platforms. It powers WhatsApp-first commerce and…

Parloa is an AI Agent Management Platform for contact centres. Enterprise teams in financial services, utilities,…

3CX is an open-platform software PBX used by tens of thousands of businesses worldwide. It runs voice calls, live chat,…

boost.ai builds conversational AI for the enterprise, with a particularly strong footprint across banking, insurance,…

Unlike most AI voice platforms, ElevenLabs Agents already has a native payment story. Its Stripe integration lets…

Decagon is an enterprise omnichannel AI customer-service platform. Its agents handle voice, chat and email for contact…

Content Guru is a UK enterprise CCaaS provider. Its storm platform powers mission-critical contact centre operations…

Synthflow is a no-code platform for building AI voice agents, and unlike most of its peers it already has a native…

Thoughtly is an AI voice, SMS, and email agent platform built for revenue and GTM teams. Businesses in insurance,…

GoTo Connect is a cloud-based UCaaS platform built for SMB and mid-market businesses, combining business phone, video,…

Kore.ai is an enterprise agentic and conversational AI platform used to build production AI agents across voice, chat,…

Voiceflow is a no-code AI agent builder used by product teams, agencies, and enterprise developers to design and deploy…

Bland AI is a platform for building AI phone agents that handle real conversations at scale, inbound and outbound, on…

Yellow.ai is an enterprise agentic AI platform for customer and employee experience automation, used by large brands…

Vapi is a developer platform for building voice AI agents. It combines speech recognition, an LLM, and text-to-speech…

Regal.ai is a voice AI agent platform built for outbound contact: AI phone calls plus SMS and chat, with particular…

UJET runs your contact centre. With its smartphone-first architecture, native cloud voice and IVR, web chat, SMS,…

Gladly is an all-in-one, people-centred customer service platform built around the customer rather than the ticket. It…

Policy administration systems are the operational heart of insurance carriers and MGAs. They underwrite, rate, bind,…

Every ERP platform has billing. Almost none execute payments. The accounts receivable module records the invoice. It…

Freshdesk Contact Center (formerly Freshcaller) gives your team cloud voice and a PBX you can provision in-platform,…

Outsourced parking, enforcement and toll operators are payment-collection businesses dressed up as service businesses.…

Salesforce Service Cloud runs your support operation, and Service Cloud Voice (SCV) brings telephony into the same…

If you implement Genesys, Five9, Talkdesk, NICE, RingCentral, Zoom Contact Center or any of the major CCaaS platforms,…

Nextiva is a unified communications and contact centre platform (UCaaS plus CCaaS) that positions itself around…

HubSpot Commerce Hub ships with HubSpot Payments as the default gateway, but it's not the only option. A native Stripe…

HubSpot Commerce Hub payment links carry HubSpot branding by default: a generic checkout page on a HubSpot subdomain,…

LivePerson runs the Conversational Cloud, an enterprise conversational AI and digital-messaging platform. It is…

HubSpot Payments, the default processor for HubSpot Commerce Hub payment links, is available to businesses in three…

HubSpot Payments charges a transaction fee on top of the underlying card processing rate, and most teams discover this…

A PCI compliance service provider is a certified third party that handles card data on behalf of merchants, typically…

A Pay Now button on a B2B invoice does two things at once. It signals to your client that you're modern enough to take…

An invoice payment link turns a static document into a one-click payment. The customer opens the invoice, taps the…

HubSpot Payment Links: What's Available, and What's Missing HubSpot has steadily added payment functionality over the…

DTMF payments are transactions where the customer enters their card details on a phone keypad during a call, and the…

Why Payment Workflow Automation Matters Most teams collect payments through one of three patterns: a card machine in a…

If your contact centre uses Verint, for a financial services compliance team, a major insurance carrier, a multi-state…

If your contact centre uses Observe.AI, for a financial services collections operation, a healthcare revenue-cycle…

If your contact centre uses Cresta, for an insurance sales operation, a financial services collections team, a SaaS…

A merchant account is the bank account that lets your business accept card payments. The "provider" is whoever opens…

If you're running a contact centre on Sprinklr Service, for a global retailer, a financial services brand, an airline,…

If you're running an enterprise contact centre on RingCX, RingCentral's dedicated CCaaS product, for an insurance…

If you're running a contact centre on Zoom Contact Center, for an insurance brokerage, a debt-recovery agency, a…

What Is a Payment Request? A payment request is a digital message (SMS, email, WhatsApp, or QR code) that contains a…

Dialpad has built one of the most AI-forward contact centre platforms on the market. Dialpad Ai powers real-time…

The Builders Merchant Cash Flow Problem Builders merchants and trade suppliers operate on tight margins with long…

Vonage Contact Centre (VCC), now part of Ericsson, is a well-established CCaaS platform with deep Salesforce…

The Dealership Payment Problem Car dealerships handle some of the highest-value consumer transactions in retail. A…

8x8 Contact Center is a strong mid-market and enterprise CCaaS platform. 8x8 XCaaS combines UCaaS and CCaaS in a single…

Aircall is a cloud phone system popular with sales and support teams, particularly in the SMB and mid-market segments.…

Here's the important thing to know up front: PayPal/Braintree does not work for Shuttle voice card capture. Braintree…

Global Payments doesn't natively connect to Twilio for voice payments. If you want to process Global Payments…

Authorize.net doesn't natively connect to Twilio for voice payments. If you want to process Authorize.net transactions…

Checkout.com doesn't natively connect to Twilio for voice payments. If you want to process Checkout.com transactions…

How Do You Switch Payment Providers? Plan for several months end to end, and follow six steps: audit your current…

Stripe is used by millions of businesses from startups to enterprises. But if you also use QuickBooks Online for…

Adyen doesn't natively connect to Twilio for voice payments. If you want to process Adyen transactions during a phone…

A payment gateway sits between your checkout and the banks. It encrypts card details, routes the transaction to the…

Worldpay doesn't natively connect to Twilio for voice payments. If you want to process Worldpay transactions during a…

If Stripe has frozen your account, you're probably reading this in a state of panic. Your payments are stuck. Your…

Worldpay is one of the largest payment processors in the world, processing billions of transactions per year and…

You signed up with a payment provider because they were easy to integrate, competitively priced, and ticked the right…

The Ops Problem Nobody Warns You About When your platform processes a few hundred transactions a day through a single…

Cognigy is one of the leading enterprise conversational AI platforms. Its AI agents handle complex multi-turn…

Braintree, PayPal's full-stack payment gateway, handles card processing, PayPal, Venmo, Apple Pay, and Google Pay…

Twilio PCI compliance comes down to whether card data ever reaches your application, your agents or your call…

Your customers want to pay with PayPal. You can see it in the emails ("Do you accept PayPal?") and in the delayed…

The Case for Building Every platform CTO who considers building payment infrastructure in-house has good reasons. You…

PolyAI deploys AI voice agents across insurance, hospitality, telecoms, and financial services. These agents handle…

Payment processing fees are one of the largest variable costs for any business that accepts cards. At low volumes, a…

The Cost That Catches Platforms Off Guard Most platform CTOs know PCI DSS compliance isn't free. Few realise how…

Replicant builds autonomous AI agents for contact centres. Their platform handles the Tier 1 support calls that make up…

Genesys Cloud CX is one of the largest contact centre platforms in the world, powering millions of customer…

Method CRM is built for businesses that live in QuickBooks. It syncs contacts, invoices, estimates, and work orders in…

Every AI agent that tries to buy something on the open web hits the same wall. The checkout was built for a human with…

The Promise vs the Reality Five years ago, the pitch was irresistible. Become a Payment Facilitator. Own the merchant…

Retell AI lets developers build production-grade AI voice agents fast. Its API-first platform handles the hard parts of…

Five9 is one of the leading cloud contact centre platforms, serving thousands of organisations across financial…

The Card Terminal Problem at Scale When you have five field agents, card terminals feel manageable. You buy five…

The Zendesk Payment Problem Zendesk is where your support team lives. Tickets, chat, email, phone, every customer…

What Are Debtor Days and Why Do They Matter? Debtor days (also called Days Sales Outstanding or DSO) measure the…

NICE CXone (formerly NICE inContact) is an enterprise-grade CCaaS platform used by some of the largest contact centre…

Looking for the right payment link provider in 2026? We compare Stripe, Square, PayPal, GoCardless and Shuttle on fees,…

Intercom Handles Conversations. It Doesn't Handle Payments. Intercom is built for customer messaging, live chat, in-app…

Why DSO Benchmarks Matter If you don't know what "good" looks like for your industry, you can't tell whether your…

The Professional Services Payment Problem A client owes you £47,000 for six months of advisory work. You send an…

Talkdesk has positioned itself as the AI-first contact centre platform. Talkdesk Autopilot handles conversational AI,…

The Scale of the Problem Late payments are a major cash flow threat to UK businesses. If you're reading this, you…

Payment Collection in Property Management Is Still Manual Lettings agencies and property management firms handle…

Amazon Connect Collects the Digits, Not the Payment Amazon Connect is AWS's cloud contact centre platform. It handles…

What Are Marketplace Payment Solutions? A marketplace payment solution is the infrastructure that handles money…

It Happens More Often Than You Think More than 5 million businesses build on Stripe, and PayPal, Square, Adyen and…

The Trust Gap Nobody Talks About A customer owes you money. You send them a payment link by email or SMS. They tap the…

Voice AI Can Take the Order. It Can't Take the Payment. Voice AI for restaurant ordering is a crowded category in…

Where Card Payments Fit in an Avaya Contact Centre Avaya has been the backbone of enterprise contact centres for…

Every time a customer pays by card, the merchant pays a fee. That fee isn't a single charge. It's a stack of costs from…

The B2B Payment Problem B2B service companies have a cash flow problem that nobody talks about openly. You send an…

The Payment Problem Every Food Ordering Platform Hits Whether you're building a voice AI ordering system, a chatbot…

If you're a software platform trying to add payments, you've probably encountered four different approaches, and a lot…

Taking Card Payments on RingCentral RingCentral is one of the largest UCaaS and CCaaS providers in the market. RingEX…

Why Hotels Still Chase Payments by Email Hotels and holiday accommodation providers deal with payment complexity that…

One Link, Many Channels A payment link is just a URL. It opens a branded checkout page where your customer picks their…

Authorize.net and Stripe are two of the most compared payment gateways. Here's the honest breakdown: features, pricing, limitations, and when each one fits.

The Problem With Car Dealership Payments Car dealerships process some of the highest-value consumer transactions…

Three Scenarios, One Compliance Problem Debt collection agencies collect payments through three distinct scenarios, and…

Taking Card Payments on Cisco Webex Contact Centre Cisco Webex Contact Centre is one of the most widely deployed…

"Just One More Sprint on Payments" You know this meeting. It happens every planning cycle. Product wants to ship a new…

Why Travel Payments Are Uniquely Complex Travel is one of the hardest verticals for payment infrastructure. Not because…

PCI scope is a major reason insurance core platforms hold back from executing payments. The moment card data enters the…

What Is Payment Orchestration? Payment orchestration is a software layer that sits between a merchant and multiple…

Adyen vs Worldpay: an honest 2026 comparison for platforms and enterprise merchants. We cover pricing, settlement…

Choosing a payment platform is one of the highest-stakes infrastructure decisions a platform operator will make. Not…

Embedded payments are one of the most significant shifts in how software companies serve their customers, and most…

Adyen vs Checkout.com compared: pricing, features, platform support, multi-PSP flexibility. A breakdown for platforms choosing between these two enterprise PSPs.

Your Platform's AI Agents Need to Take Payments Your platform runs conversations. Customer service calls. Sales chats.…

The Multi-Client Payment Problem You run a BPO or outsourced contact centre. You handle calls, chat, email, maybe AI…

AI Agents Are Starting to Transact. The Infrastructure Isn't Ready. Something shifted in early 2026. AI agents stopped…

Voice payments are transactions completed during a phone call, through an IVR system, a live agent, or an AI voice…

PSPs Don't Lose to Other PSPs. They Lose to Software. The traditional PSP competitive landscape looks like this: Stripe…

You've sent the invoice. It's sitting in your customer's inbox. And now you wait, 30 days, 45 days, sometimes longer,…

The Stripe Connect Growth Trap Stripe Connect is the best way to start embedding payments in a SaaS platform. The docs…

The Security Question Nobody's Asking Loudly Enough AI agents are processing real payments. Voice agents take card…

Your AI voice agent is impressive. It handles intent recognition, sentiment analysis, conversational routing, customer…

QuickBooks lets you send invoices, but there's no native way to generate a shareable payment link that works across…

Your platform handles the hardest thing in customer communications: live voice, real-time intent, emotional…

Authorize.net is one of the most widely used payment gateways in the United States, and a significant number of…

AI agents are everywhere. They're booking meetings, resolving support tickets, qualifying leads, handling insurance…

Call center payment processing is how contact centres take card payments on live calls without card numbers reaching…

The Travel Payment Problem Travel payments are unlike anything else in digital commerce. A customer in Tokyo books a…

The Invoicing Platform Payment Problem Invoicing and ERP platforms sit at the exact point where money is owed. They…

Every insurance core platform has billing. Almost none execute payments. Billing modules handle invoices, installment…

Two Solutions That Sound Similar But Solve Different Problems If you're a software platform evaluating how to add…

The CCaaS Payment Opportunity Many contact centre interactions involve money changing hands: bill payments, insurance…

Payments Meet AI Agents AI agents are no longer just answering questions. They're closing sales, collecting debts,…

The Deal You Can't Close The conversation follows a predictable script. Your platform is in late-stage negotiations…

The Pattern It starts the same way for every platform. A customer asks: "Can we pay through your software?" Then an…

The Checkout Redirect Problem A customer is mid-conversation with your AI chat agent. They've asked questions, compared…

Insurance Runs on Phone Calls. Phone Calls Don't Run on Payments. Insurance is one of the last industries where the…

Hotels Are Replacing Call Centres. The Payment Moment Is the Gap. Hotels are putting AI voice agents on the phones,…

The Collections Problem: Agreements Without Payments Debt collection runs on a simple loop: contact the debtor,…

AI Voice Agents Are Creating a New Payment Channel AI voice agents are no longer a novelty. They're production…

The Question Every Platform Faces At some point, every software platform that embeds payments hits the same fork in the…

Payments Aren't Just Checkout Anymore For most of the internet's history, "payments" meant one thing: a checkout page.…