Payment Guides
Resources
In-depth guides on payments infrastructure, voice payments, embedded payments, and platform payment strategy.
Taking Payments for Your Business
Service Business Guides
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 natively connect to Twilio for voice payments. If you want to process Mollie transactions during a phone…
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 natively connect to Twilio for voice payments. If you invoice from QuickBooks and want to…
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 is a Gartner-recognised leader in conversational AI for the enterprise, with a particularly strong footprint…
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…
Payments for Insurance Carriers and MGA PlatformsPolicy administration systems are the operational heart of insurance…
Embedded Payments for ERP PlatformsEvery ERP platform has billing. Almost none execute payments.The accounts receivable…
Freshdesk Contact Center (formerly Freshcaller) gives your team cloud voice and a PBX you can provision in-platform,…
Payment Collection for Parking, Enforcement and Toll OperatorsOutsourced parking, enforcement and toll operators are…
Salesforce Service Cloud runs your support operation, and Service Cloud Voice (SCV) brings telephony into the same…
Payments for CCaaS Implementation PartnersIf you implement Genesys, Five9, Talkdesk, NICE, RingCentral, Zoom Contact…
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. Native…
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 — supports five currencies and five…
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 MissingHubSpot 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 MattersMost 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 ProblemBuilders 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 ProblemCar 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…
Why Platforms Switch Payment ProvidersNobody switches payment provider for fun. It is one of the highest-risk…
Stripe is the most popular modern payment platform — used by millions of businesses from startups to enterprises. But…
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 across…
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 AboutWhen 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…
If you're taking payments over Twilio — through IVR, agent-assisted calls, or AI voice agents — you have PCI compliance…
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 BuildingEvery platform CTO who considers building payment infrastructure in-house has good reasons.You…
PolyAI deploys AI voice agents that handle hundreds of millions of conversations a year across insurance, hospitality,…
Payment processing fees are one of the largest variable costs for any business that accepts cards. At low volumes, the…
The Number That Catches Platforms Off GuardMost 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 RealityFive 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 ScaleWhen you have five field agents, card terminals feel manageable. You buy five…
The Zendesk Payment ProblemZendesk 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 average…
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 MatterIf you don't know what "good" looks like for your industry, you can't tell whether your debtor…
The Professional Services Payment ProblemA client owes you £47,000 for six months of advisory work. You send an invoice…
Talkdesk has positioned itself as the AI-first contact centre platform. Talkdesk Autopilot handles conversational AI,…
The Scale of the ProblemLate payments are the single biggest cash flow threat to UK businesses. The numbers speak for…
Payment Collection in Property Management Is Still ManualLettings agencies and property management firms handle…
Amazon Connect Has No Built-In Payment CaptureAmazon 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 movement…
It Happens More Often Than You ThinkStripe processes payments for over 3 million businesses. PayPal, Square, Adyen,…
The Trust Gap Nobody Talks AboutA 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 one of the fastest-growing…
Avaya Does Not Have Native PCI-Compliant Payment CaptureAvaya 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…
The B2B Payment ProblemB2B service companies have a cash flow problem that nobody talks about openly. You send an…
The Payment Problem Every Food Ordering Platform HitsWhether you're building a voice AI ordering system, a chatbot that…
If you're a software platform trying to add payments, you've probably encountered four different approaches — and a lot…
RingCentral Does Not Have Native Payment CaptureRingCentral is one of the largest UCaaS and CCaaS providers in the…
Why Hotels Still Chase Payments by EmailHotels and holiday accommodation providers deal with payment complexity that…
One Link, Many ChannelsA 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 PaymentsCar dealerships process some of the highest-value consumer transactions outside…
Three Scenarios, One Compliance ProblemDebt collection agencies collect payments through three distinct scenarios — and…
Cisco Webex Contact Centre Has No Native Payment CaptureCisco Webex Contact Centre, formerly Cisco Contact Center…
"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 ComplexTravel is one of the hardest verticals for payment infrastructure. Not because…
PCI scope is the single biggest reason insurance core platforms don't execute 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: Which PSP for Your Platform?Adyen vs Worldpay: an honest 2026 comparison for platforms and…
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 generate revenue — and most…
Adyen vs Checkout.com compared: pricing, features, platform support, multi-PSP flexibility. Independent breakdown for platforms choosing between the two biggest enterprise PSPs.
Your Platform's AI Agents Need to Take PaymentsYour platform runs conversations. Customer service calls. Sales chats.…
The Multi-Client Payment ProblemYou 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…
The CCaaS Payments Revenue Opportunity: How Contact Centre Platforms Monetise Every CallYour platform handles tens of…
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 TrapStripe Connect is the best way to start embedding payments in a SaaS platform. The docs…
Payments Are the Biggest Revenue Opportunity Most Platforms IgnoreEvery platform has a payments moment — the point…
The Security Question Nobody's Asking Loudly EnoughAI 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 doesn't have a built-in payment links feature. You can send invoices, but there's no native way to generate…
Embedded Payments for CCaaS: The Platform Operator's GuideYour platform handles the hardest thing in customer…
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…
The Contact Centre Payment ProblemContact centres handle millions of payment transactions daily. Insurance premiums.…
The Travel Payment ProblemTravel payments are unlike anything else in digital commerce.A customer in Tokyo books a…
The Invoicing Platform Payment ProblemInvoicing 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 ProblemsIf you're a software platform evaluating how to add…
The CCaaS Payment OpportunityContact centre platforms handle billions of customer interactions each year. A significant…
Payments Meet AI AgentsAI agents are no longer just answering questions. They're closing sales, collecting debts,…
The Deal You Can't CloseThe conversation follows a predictable script.Your platform is in late-stage negotiations with…
The PatternIt starts the same way for every platform.A customer asks: "Can we pay through your software?" Then an…
The Checkout Redirect Is Killing Your ConversionA customer is mid-conversation with your AI chat agent. They've asked…
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.Over 70% of hotel executives are now prioritising AI…
The Collections Problem: Agreements Without PaymentsDebt collection runs on a simple loop: contact the debtor,…
AI Voice Agents Are Creating a New Payment ChannelAI voice agents are no longer novelty. They're production…
The Question Every Platform FacesAt some point, every software platform that embeds payments hits the same fork in the…
Payments Aren't Just Checkout AnymoreFor most of the internet's history, "payments" meant one thing: a checkout page. A…
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