Yellow.ai is an enterprise agentic AI platform for customer and employee experience automation, used by large brands like Sony, Domino's and Hyundai. It spans both chat and voice, and its voice product, VoiceX, runs natural conversational calls that can route, resolve and transact across channels.
When it comes to payments, Yellow.ai already does real work. Its AI agents generate payment links and hand the customer to the payment processor's hosted checkout page, so card data never touches Yellow.ai's own servers. It is also genuinely multi-gateway, with separate integrations for Stripe, Razorpay, Paytm, PayU and Cashfree. On the compliance side, Yellow.ai publicly states it achieved PCI DSS v4.0.1 Service Provider compliance in North America, and its hosted-checkout model keeps cards out of scope by design.
So this is not a "they have no payments" story, and it is not a "locked to one gateway" story either. Yellow.ai sends payment links across several gateways and does it compliantly.
This guide covers the one dimension a payment-links model does not address: real in-call card capture during a live voice conversation on VoiceX, plus broader multi-PSP routing across 30+ gateways. If you need a customer to pay inside the call without being bounced out to a link, here is how Shuttle fits alongside Yellow.ai.
Yellow.ai's Payment Links: What You Get
Yellow.ai's payment model is link and hosted-checkout based, and it works well for asynchronous and chat-first flows:
Agent-generated payment links. During a chat or voice interaction, the AI agent can create a payment link and deliver it over SMS, WhatsApp, email or in-chat.
Hosted checkout. The customer completes payment on the processor's own hosted page. Card details are entered there, not inside Yellow.ai.
Multiple gateways. Stripe, Razorpay, Paytm, PayU and Cashfree are supported through separate integrations, which is useful across regions and merchant accounts.
Cards stay off the platform. Because capture happens on hosted checkout, sensitive card data does not pass through Yellow.ai's servers, which keeps the platform's own scope contained and supports its PCI v4 Service Provider posture.
For many use cases, sending a link is the right tool. The friction shows up in one specific place: a live phone call.
Where a Dedicated Voice Payment Layer Helps
On a VoiceX call, a payment link means the customer has to leave the conversation, find the SMS or email, open the page and type in their details. The voice flow is interrupted, and you lose the people who never come back to finish.
A dedicated voice payment layer closes that gap in three ways:
True in-call DTMF capture. The customer keys their card number into the phone during the live call. Tones are captured and never spoken aloud, so the agent (human or AI) never hears or stores the digits, and the call keeps going.
One layer across DTMF and links. The same integration handles in-call DTMF capture and payment links, so you pick the right method per moment instead of forcing every payment into a link.
Per-client BYO-gateway routing. Route each tenant or client to their own gateway from one integration, across 30+ gateways, with failover. This matters for agencies, BPOs and enterprises with their own processor mandates.
How Shuttle Adds In-Call Payment Capture
Shuttle is a payment layer that plugs into voice agents and contact-centre flows. Adding it to a Yellow.ai VoiceX deployment works like this:
Trigger the payment in the flow. When the VoiceX agent reaches the pay step, it invokes Shuttle's Voice Checkout instead of (or alongside) generating a link.
Collect the card via DTMF. The caller types their card number, expiry and CVV on the keypad. The tones are intercepted so they are never exposed to the agent or the recording.
Process through your chosen gateway. Shuttle routes the transaction to your selected PSP, with per-client routing and automatic failover.
Return the result to the agent. Shuttle passes the authorisation outcome back into the VoiceX conversation so the agent can confirm success and continue.
Reconcile and report. Transactions land in one place across gateways and channels, so finance sees a single view.
The customer pays without leaving the call, and your VoiceX agents keep doing what they do best.
Multi-PSP Support
Shuttle is gateway-neutral by design:
**30+ payment gateways** supported, including Stripe, Adyen, Worldpay, Checkout.com, Braintree, Square and Mollie. See the full list at /psp/.
Per-tenant routing. Each client, brand or region can run on its own gateway and merchant account from a single Shuttle integration.
Failover. If a gateway has issues, route to a backup so payments keep flowing.
**Pricing is simple:** $0.20 per transaction, with no setup, monthly or per-seat fees.
PCI Compliance
Shuttle is a PCI DSS Level 1 certified Service Provider, the highest level.
In-call DTMF capture isolates the card data so it never reaches the agent, the call recording or your application. By keeping cardholder data out of your environment, Shuttle reduces your PCI scope, the difference between a heavyweight SAQ-D obligation and a much lighter SAQ-A footprint.
This sits comfortably next to Yellow.ai's own hosted-checkout PCI posture. The two address scope differently: Yellow.ai keeps cards out via hosted pages, Shuttle keeps cards out via DTMF isolation during the live call.
Beyond Voice: Payment Links
Shuttle is not voice-only. It also supports payment links, so you get both methods in one layer. Use in-call DTMF when the customer is on the phone and ready to pay, and fall back to a link for follow-ups, chat or anyone who prefers to pay later. One integration, one set of credentials, one reconciliation view across every method and gateway.
Use Cases
Conversational Commerce and Order Taking
A VoiceX agent takes an order and collects payment in the same call via DTMF, instead of sending the customer away to a checkout page and hoping they return.
Bill-Pay and Collections
Outbound and inbound bill payment where the customer settles in-call. For collections, route to the right gateway per client and capture securely without an agent touching card data.
Bookings and Deposits
Take a deposit to confirm an appointment, table or reservation during the call, so the booking is secured on the spot rather than pending a link.
Customer Support Payments
When a support conversation turns into a payment (an upgrade, a renewal, a one-off charge), the agent collects it inline without breaking the flow or escalating to another channel.
FAQ
Does Yellow.ai take payments? Yes. Yellow.ai's AI agents generate payment links and hand off to a processor's hosted checkout, and it supports multiple gateways including Stripe, Razorpay, Paytm, PayU and Cashfree. Card data stays off Yellow.ai's servers.
What does Shuttle add over Yellow.ai payment links? Real in-call DTMF capture on VoiceX, so customers pay inside the live call instead of leaving for a link, plus per-client BYO-gateway routing across 30+ gateways with failover.
**Which payment gateways does Shuttle support?** 30+, including Stripe, Adyen, Worldpay, Checkout.com, Braintree, Square and Mollie. See /psp/. You can keep your existing processor and route per client.
Can I just build this myself on top of Yellow.ai? You can wire up links yourself, but in-call DTMF capture with proper card isolation, multi-gateway routing and PCI scope reduction is exactly the part that is hard to build and maintain. Shuttle ships it as a layer.
Does Shuttle work for outbound calls? Yes. In-call DTMF capture works on both inbound and outbound VoiceX flows, which suits outbound sales, renewals and collections.
Related Reading
AI Voice Agent PCI Payments: how PCI-compliant card capture works inside AI voice agents.
Voice Payments: the full picture on taking payments over voice channels.
The Payment Layer for AI Agents: why a dedicated layer beats stitching gateways into every agent.
Cognigy Payments: the same in-call vs links breakdown for another enterprise CX platform.
Contact Centre Payments: payment options across the whole contact centre, voice and digital.
Add Payments to Your Yellow.ai Agents
Yellow.ai already sends payment links across several gateways. If you need real in-call capture on VoiceX and broader multi-PSP routing, Shuttle is the layer that adds it.
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