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: secure 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:
Secure in-call capture. At the point of payment, the call is handed to a secure PCI capture, so the customer keys their card into the phone without it being spoken aloud or heard by the agent (human or AI), and the digits never reach the recording.
One layer across capture and links. The same setup handles secure in-call 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 configuration, across 30+ gateways, with failover. This matters for agencies, BPOs and enterprises with their own processor mandates.
How Shuttle Works with Yellow.ai Today
Shuttle has no native integration with Yellow.ai. Instead, you invoke Shuttle's Twilio-based payment setup, where Shuttle is Twilio's preferred payments partner. The handoff is API-driven: your application code triggers the Shuttle payment handoff at the point of payment. To use the in-call capture path, you must be a Twilio customer.
Trigger the payment in the flow. When the VoiceX agent reaches the pay step, your application code triggers the Shuttle payment handoff instead of (or alongside) generating a link.
Capture the card securely. At the point of payment, the call is handed to a secure PCI DSS Level 1 capture via Twilio Pay. The caller enters their card number, expiry and CVV on the keypad. The digits are captured inside Shuttle's certified environment, so they never reach the agent, Yellow.ai, 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 your application. Shuttle passes the authorisation outcome back 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.
You build the orchestration and agent-side wiring yourself. Shuttle provides ready-made interfaces for payment links, plus the capture, IVR, and APIs. For a proof of concept, you can build against Shuttle's sandbox gateway and demo app.
Honest caveat: secure capture at the point of payment is live now via Twilio Pay. Shuttle being present for the entire call is not yet turnkey. Returning the caller to the same VoiceX agent after payment works today: you program the return route in your Twilio flow and pass a conversation ID, so the agent picks the call back up with full context. A carrier-agnostic version, which removes the Twilio requirement, is landing later in 2026. A native Yellow.ai integration is possible only as a paid project.
Multi-PSP Support
Shuttle is gateway-neutral by design:
30+ payment gateways supported, including Stripe, Adyen, Worldpay, Checkout.com, Square and Mollie. See the full list at /payment-providers/.
Per-tenant routing. Each client, brand or region can run on its own gateway and merchant account from a single Shuttle configuration.
Failover. If a gateway has issues, route to a backup so payments keep flowing.
Switching is configuration, not re-integration. A few gateways (for example, Braintree) do not work for voice capture, because they will not allow raw card data to be passed, but they do work for payment links.
Pricing is simple: $0.20 per successful transaction, with no setup, monthly or per-seat fees.
PCI Compliance
Shuttle is a PCI DSS Level 1 certified Service Provider, the highest level.
Handing the call to Shuttle's secure 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 secure capture during the live call.
Beyond Voice: Payment Links
Payment links are the turnkey path, and they work even with gateways that do not support voice capture. Shuttle is not voice-only: it also supports payment links over SMS or email, including mid-call, so you get both methods in one layer. Use secure in-call capture 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 setup, one set of credentials, one reconciliation view across every method and gateway. Payment links are currently free (a new pricing model is coming).
Use Cases
Conversational Commerce and Order Taking
A VoiceX agent takes an order and collects payment in the same call via secure capture, 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 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.
Does Shuttle have a native Yellow.ai integration? No. Shuttle has no native Yellow.ai integration. You invoke Shuttle's Twilio-based setup, and your application code triggers the payment handoff at the point of payment. A native Yellow.ai integration is possible only as a paid project.
Does this require Twilio? Yes, for the in-call capture path today. The secure capture runs via Twilio Pay, where Shuttle is Twilio's preferred payments partner, so you must be a Twilio customer. A carrier-agnostic version that removes the Twilio requirement is landing later in 2026. Payment links do not require Twilio.
What does Shuttle add over Yellow.ai payment links? Secure in-call 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, Square and Mollie. See /payment-providers/. You can keep your existing processor and route per client. A few gateways (for example, Braintree) do not work for voice but do work for payment links. Switching is configuration, not re-integration.
Does Shuttle work for outbound calls? Yes. Secure in-call 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 secure in-call capture on VoiceX and broader multi-PSP routing, Shuttle is the layer that adds it via a secure Twilio Pay handoff. Read the Twilio setup docs, the payment links docs, and the security overview.
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