Take card payments over the phone securely, 24/7
The VoIP Shop IVR Payment Line lets your customers pay by phone without your team ever seeing, hearing, or storing their card details. Stay PCI DSS-compliant, cut call handling time and get paid faster.
Automated phone payments from £300 per month, plus 30p per payment.
Taking card details over the phone puts your business inside the scope of PCI DSS. Every agent, call recording and notepad becomes a risk. Our IVR Payment Line takes that risk away. Customers enter their card number on their keypad, the digits are masked, and the payment goes straight to your payment provider. Your systems never touch the card data.
What is an IVR Payment Line?
An IVR Payment Line is an automated, secure phone line that takes card payments for you, day, or night, with no staff needed.
How it works
Customer calls
Your dedicated payment number, or is transferred by an agent.
Guided by voice prompts
They enter their reference and card details using their keypad, or by speaking.
Card details are masked
So no one on your side can see or hear them.
Payment is authorised
In real time, and a receipt is sent by SMS or email.
Why businesses choose it:
Our secure payment solutions
Six solutions support a range of customer payment journeys.
Payment IVR (Standard)
Best for: 24/7 self-service payments
A fully automated phone line. Customers call, follow voice prompts and pay with no agent involved.
From £4,000 setup + £300 per month
Pass-off IVR (Agent Hand-off)
Best for: Teams already taking calls
Your agent transfers the caller into the secure IVR to pay; the call can then return to the agent.
From £4,500 + £300 per month
Agent Assist (Warm Transfer)
Best for: Contact centres wanting agents on the line
The agent stays with the customer while they key in card details. Tones are masked so the agent never hears them.
From £8,000 + £370 per month
Agent Assist (Contact Centre Integration)
Best for: Larger contact centres
As above, built directly into your contact centre platform for a seamless agent experience.
From £9,000 + £370 per month
Click to Pay
Best for: Payment reminders and collections
Send a secure payment link by SMS or email. The customer pays on their phone in seconds.
From £5,000 + £330 per month
Web Payments
Best for: Online bill payment
A secure, branded web payment page for your customers to pay invoices and balances.
From £4,000 + £320 per month
All solutions are on a 36-month term, exclude VAT, and have per-transaction fees on top (see pricing below). Agent Assist also needs one DTMF suppression licence per concurrent payment.
Optional add-ons
Tokenisation for saved cards
Recurring payments
Voice recognition
Apple Pay
Google Pay
PayPal for digital payments
CRM integration through SFTP or API
Additional languages
Agent-initiated payment links for Agent Assist
Pricing
All prices are GBP RRP from the January 2026 price list, exclude VAT, and are subject to confirmation at quote stage.
1. Setup (one-off)
| Main solution (choose one) | Setup fee |
|---|---|
| Payment IVR (Standard), includes project management | £4,000 |
| Pass-off IVR (Agent Hand-off), includes project management | £4,500 |
| Agent Assist (Warm Transfer), including project management and one day of user training | £8,000 |
| Agent Assist (Contact Centre Integration), including project management and one day of user training | £9,000 |
| Click to Pay (debit and credit cards), includes project management | £5,000 |
| Web Payments (debit and credit cards), includes project management | £4,000 |
All prices exclude VAT.
| Optional add-on | Available with | Setup fee |
|---|---|---|
| Tokenisation | All | £1,000 |
| Recurring payments | All | £1,000 |
| Voice recognition data capture | IVR, Agent Assist | £2,500 |
| Additional languages | IVR | £1,000 |
| SFTP integration (basic file upload) | All | from £1,000 |
| API integration (application based) | All | from £2,500 |
| Agent Digital (agent-sent payment link during a call) | Agent Assist | £3,500 |
| Apple Pay / Google Pay / PayPal wallet (each) | Click to Pay, Web Payments | £1,000 |
| DTMF suppression licence (per concurrent payment) | Agent Assist (required) | £270 |
| Additional professional services day (consultation, project management, documentation, testing and training) | All | £1,000 |
| Change requests (minimum half day) | All | from £500 |
All prices exclude VAT.
2. Monthly management
Covers hosting, maintenance, updates, account management and support. Standard term is 36 months.
| Service | Per month |
|---|---|
| Payment IVR (Standard) | £300 |
| Pass-off IVR (Agent Hand-off) | £300 |
| Agent Assist (Warm Transfer) | £370 |
| Agent Assist (Contact Centre Integration) | £370 |
| Click to Pay | £330 |
| Web Payments | £320 |
| DTMF suppression licence, 1–10 licences | £50 per licence |
| DTMF suppression licence, 11+ licences | £15 per licence |
All prices exclude VAT.
| Contract term | Monthly price adjustment |
|---|---|
| 12 months | +25% |
| 24 months | +12% |
| 36 months (standard) | Standard price |
| 48 months | −7% |
| 60 months | −12% |
All prices exclude VAT.
3. Usage and transaction fees (all solutions)
| Payments per month | Fee per payment |
|---|---|
| 1–500 | £0.30 |
| 501–1,000 | £0.27 |
| 1,001–5,000 | £0.24 |
| 5,001–10,000 | £0.23 |
All prices exclude VAT.
| Other usage | Price |
|---|---|
| SMS receipt or Click to Pay link | £0.08 each |
| Email receipt or Click to Pay link | Free |
| Outbound call charges (UK geographic, not mobile, premium or non-geo) | £0.015 per minute |
| Payment gateway account, if you don't have your own (per merchant ID) | £25 per month |
| Payment gateway transaction fee (if using our gateway) | £0.10 per payment |
All prices exclude VAT.
4. Build times
| Option | Lead time | Cost |
|---|---|---|
| Standard build | 6–12 weeks | Included |
| Fast Track | 3–4 weeks | +30% |
| Critical Build | 10–15 working days | +50% |
Lead times depend on availability and project complexity. All prices exclude VAT.
Pricing small print: All prices are in GBP and exclude VAT. Prices are based on the January 2026 price list and are confirmed at quote stage. Standard contract term is 36 months. Transaction fees are charged per successful payment, based on monthly volume. Call charges apply to outbound calls made by the service. Build times depend on availability and project complexity.
What would it cost me?
The following three examples illustrate typical costs on a standard 36-month term, excluding VAT.
| Example | Setup | Monthly | First-year total |
|---|---|---|---|
| Small business, 24/7 payment line: Payment IVR, 300 payments/month, email receipts | £4,000 | £390 (£300 management + £90 transactions) | £8,680 |
| Collections team, payment links: Click to Pay, 800 SMS links and 600 payments/month | £5,000 | £556 (£330 + £162 transactions + £64 SMS) | £11,672 |
| Contact centre, agents stay on the call: Agent Assist Warm Transfer, 5 concurrent payments, 2,000 payments/month, SMS receipts | £9,350 (£8,000 + 5 licences at £270) | £1,260 (£370 + £250 licences + £480 transactions + £160 SMS) | £24,470 |
All prices exclude VAT.
Who it's for
Housing associations
Utilities
Debt collection and enforcement
Charities and fundraising
Travel and tour operators
Contact centres
NHS and healthcare
Education
Local government
Videos
See it in action
Resources: guides and glossary
Guides
rebranded guides, for example What is PCI DSS compliance?, What is DTMF masking?, What is automatic speech recognition?
Glossary
A–Z glossary of payment and IVR terms, rewritten in our own words.
Frequently asked questions
What is an IVR Payment Line?
Will it help us become PCI DSS compliant?
Can our agents stay on the call while the customer pays?
Do we need to change our phone system?
Can we use our existing payment provider?
Can payments update our CRM or accounts system?
How long does it take to go live?
What contract length is required?
Can customers save their card for next time?
Ready to take secure payments by phone?
Speak to our team for a free consultation. We'll recommend the right solution and give you a fixed quote with no hidden costs.