Regal.ai is a voice AI agent platform built for outbound contact: AI phone calls plus SMS and chat, with particular strength in collections, financial services, insurance, healthcare, and BPO operations. Its agents place outbound calls at scale, hold natural conversations, and move accounts toward resolution.
When it comes to money, Regal.ai today arranges the payment and directs the caller to a payment portal. Its collections agents confirm intent to pay, offer repayment options, schedule payment dates, and send a portal link so the borrower can complete the transaction. The actual card entry happens after the call, on a separate page the borrower has to visit.
This guide covers how to close that last step inside the call itself: how Regal.ai handles payments now, why capturing at the moment of agreement matters for collections, and how Shuttle adds in-call PCI-compliant payment capture across 30+ gateways.
How Regal.ai Handles Payments Today
Regal.ai is designed to drive conversations to an outcome. In a collections context, the agent works the account: it confirms the right party, discusses the balance, offers repayment options, agrees a plan or a payment date, and provides a payment-portal link so the customer can pay.
This is a clean, respectful model. Regal advertises PCI Compliant infrastructure and SOC 2 Type II, consistent with routing the customer to a portal rather than handling raw card data in the conversation. The agent secures the commitment, and the portal handles the card.
The trade-off is the handoff. Once the call ends, completion depends on the borrower actually opening the link and finishing the payment. The agreement was reached live, but the money lands later, if it lands at all.
Why In-Call Capture Matters for Collections
In collections, the hardest part is reaching the right party. Right-party contact is expensive: dialler time, retries, compliance windows, and the cost of the conversation itself. When an agent finally has the borrower on the line and they agree to pay, that is the moment of maximum intent.
Relying on a later portal visit lets that intent cool. People agree on the call and never open the link. Promise-to-pay rates always beat actual-payment rates, and every gap between agreement and payment is leakage.
Capturing in the call closes the gap. The agent takes the first instalment while the borrower is still committed, and tokenises the payment method so future instalments in the plan run automatically on the scheduled dates. You collect at the moment of agreement instead of hoping the borrower returns to a portal.
How Shuttle Adds In-Call Payment Capture
Shuttle is a payment layer that plugs into your Regal.ai voice workflow so the agent can take the payment without leaving the call:
The Regal.ai agent agrees the amount or repayment plan with the borrower and confirms intent to pay.
At the point of payment, the workflow triggers Shuttle.
Shuttle captures the card details via DTMF (keypad tones) in an isolated environment, so the raw card number never enters the agent's hearing, the call recording, or your systems.
Shuttle processes the payment and routes it to the creditor's chosen gateway, tokenising the method for any scheduled future instalments.
The result returns to the agent in real time, so the conversation continues with a confirmed payment instead of a pending link.
The borrower stays on one call, the agent never touches card data, and the payment is captured at the moment of agreement.
Multi-PSP Support
Collections operations rarely run on a single gateway. Shuttle connects to 30+ payment gateways with per-client routing:
Route each creditor or client to their own gateway and merchant account.
Supported gateways include Stripe, Adyen, Worldpay, Checkout.com, Braintree, Square, and Mollie. See the full list at /psp/.
BPOs and collections agencies handling multiple creditors can keep funds, settlement, and reporting cleanly separated per client.
Add or switch gateways without re-engineering your Regal.ai workflow.
This makes Shuttle a fit for agencies that collect on behalf of many creditors, each with their own banking and PSP requirements.
PCI Compliance
Shuttle is a PCI DSS Level 1 certified Service Provider, the highest level of card data security validation.
In-call DTMF capture keeps raw card data out of your environment entirely. The borrower enters their card on the keypad, the tones are intercepted and isolated by Shuttle, and the digits never reach the agent, the recording, or your call infrastructure. That keeps card data out of your PCI scope.
The practical effect is the difference between a heavyweight SAQ-D obligation, which applies when card data flows through your systems, and the much lighter SAQ-A posture, which applies when a certified Service Provider handles capture for you.
Beyond Voice: Payment Links
In-call capture does not mean abandoning the portal model. Shuttle also generates hosted payment links you can send by SMS, so you keep the link option inside the same payment layer.
If a borrower prefers to pay later, or the call drops before completion, the agent (or an automated follow-up) sends a Shuttle payment link by text. Whether the customer pays in the call or via a link, it runs through the same gateways, the same tokenisation, and the same reporting.
Use Cases
Debt Collection and Repayment Plans
Take the first instalment in the call and tokenise the card so the agreed plan runs automatically on each scheduled date. No reliance on the borrower returning to a portal.
Bill-Pay and Past-Due Balances
Settle overdue invoices, subscriptions, and account balances live during the outbound call, with confirmation back to the agent before the conversation ends.
Outbound Sales
Convert an outbound AI sales call into a completed purchase in the same conversation, capturing the card at the point of yes rather than emailing a checkout link.
Insurance and Loan Servicing
Collect premiums, reinstatement payments, and loan instalments on outbound servicing calls, with per-client gateway routing for carriers and servicers managing multiple books.
FAQ
Does Regal.ai capture card payments in the call? Public evidence shows Regal.ai arranging the payment and directing the caller to a payment portal link rather than completing card capture in the conversation. Its agents confirm intent, schedule dates, and hand off to the portal for the actual transaction. Shuttle adds the in-call capture step on top of that workflow.
How do I take payment during a Regal.ai call? Trigger Shuttle at the point of payment. The borrower enters their card via DTMF keypad tones, Shuttle captures it in isolation, processes it through the creditor's gateway, and returns confirmation to the agent, all without ending the call.
Can an AI agent split a balance into a payment plan? Yes. Shuttle tokenises the payment method when the first instalment is taken, so the remaining instalments run automatically on the dates the agent agreed during the call.
**Which payment gateways does Shuttle support?** Shuttle connects to 30+ gateways including Stripe, Adyen, Worldpay, Checkout.com, Braintree, Square, and Mollie, with per-client routing. See /psp/.
Does this work for outbound calls? Yes. Shuttle is built for the outbound, collections-led calling that Regal.ai specialises in, capturing payment at the moment of agreement on outbound calls.
Related Reading
AI Voice Payments for Debt Collection: taking payments and running repayment plans on AI collections calls.
Secure Payment Collection for Debt Agencies: secure, multi-creditor payment collection for debt agencies.
AI Voice Agent PCI Payments: how PCI-compliant payment capture works inside an AI voice agent.
Voice Payments: the full picture on taking payments over voice channels.
The Payment Layer for AI Agents: why AI agents need a dedicated payment layer.
Add Payments to Your Regal.ai Agents
Capture payments at the moment of agreement on every Regal.ai call. 30+ gateways, per-client routing, PCI DSS Level 1, and $0.20 per transaction with no setup, monthly, or per-seat fees.
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