PCI Pal —
Agent-Assisted, Digital, IVR & Speech Payment Security

PCI Pal is a global provider of secure payment solutions designed to keep contact-center and digital payment flows out of PCI DSS scope. The product set covers Agent-Assisted Payments, Digital Payments (Pay by Link / SMS / Web Chat / Social), IVR Payments and Speech-Recognition Payments — running over the operating model existing telephony, contact-center and digital channels without forcing a rip-and-replace of the underlying CCaaS or payment processor.

PCI Pal sits between the customer and the agent, capturing card data through DTMF masking, speech recognition or a customer-facing digital flow — so cardholder data never traverses the agent endpoint, contact-center recording stack, CRM or operating-model network. Fitting operating models whose audit posture cannot tolerate cardholder data flowing through agent screens, recordings or general-purpose corporate endpoints, and whose QSA scoping work is the dominant cost in the annual compliance cycle.

PCI Pal is built to integrate with existing contact-center and telephony platforms rather than replace them. The architecture supports premise PBX, hosted PBX and CCaaS deployments — fitting operating models whose contact-center investment is recent or contractual and whose payments-compliance roadmap cannot wait for a CCaaS migration to complete first.

Agent-assisted payments keep the agent on the call while the customer enters card data via DTMF or speech — the agent never sees or hears the card numbers. Digital payments push the payment flow to the customer through SMS, email, web chat or social channels — fitting operating models whose customer base prefers self-service payment links and whose ops leadership wants to deflect routine payment interactions away from agent capacity.

PCI Pal is processor-agnostic and connects to a broad set of acquirers and gateways — fitting operating models whose payment-processing relationships are already in place and whose finance posture cannot accommodate switching processors as a side-effect of compliance tooling. The integration approach lets the operating model retain its existing acquirer economics while adding scope-reducing capture in front of it.

Your contract is with PCI Pal. Fibi remains your independent advisor — escalating support cases, revisiting payments-compliance scope at renewal, and re-comparing PCI Pal against alternative agent-assisted and digital-payment providers at contract events. There is no advisory fee — Fibi is provider-funded.