HPCI SMS Link Payment
Secure, Convenient, and PCI DSS 4.0-Compliant Payments via SMS
HPCI SMS Link Payment is a highly secure, customer-friendly, and modern payment solution that enables seamless transactions via a secure SMS link — while keeping merchants completely out of PCI scope. This method ensures sensitive payment data is never exposed, maintaining the integrity of existing call center workflows, even in environments where calls are recorded.
How HPCI SMS Link Payment Works
- Agent-Guided Payment Initiation: While on the call, the agent sends a secure payment link to the customer via SMS.
- Customer Completes Payment Securely: The customer clicks the link and is redirected to a PCI-compliant portal, where they independently enter their payment details.
- Secure & Verified Transaction: Once the payment is completed, the system processes it securely, providing confirmation to both the merchant and the customer.
Key Benefits
- Seamless & Customer-Friendly: A fast, intuitive payment experience that allows customers to complete transactions independently.
- Secure & PCI-Compliant: Ensures full compliance with PCI DSS 4.0 while keeping merchants completely out of PCI scope.
- Protects Sensitive Data: No payment details are shared over the phone, reducing security risks — even in recorded environments.
- Agent Efficiency: Agents can send payment links in real time while staying on the call to provide support without handling card data.
- Frictionless Transaction Flow: Payments are completed quickly and securely, reducing call times and increasing conversion rates.
Why Choose HPCI SMS Link Payment?
HPCI SMS Link Payment is the ideal solution for businesses seeking a secure, compliant, and frictionless payment experience. By allowing customers to complete transactions independently through a trusted PCI-compliant portal, merchants can eliminate compliance burdens, optimize call center efficiency, and enhance customer satisfaction — all while ensuring maximum security.
Additional Resource:
Case Studies
Municipality
This municipal merchant required the ability to accept credit cards from their clients in a PCI compliant way in order to reduce their PCI scope as much as possible. The biggest trouble was to collect the customer’s card over the phone while being able to provide guidance to their clients regarding the transaction process and also collect the card during off-hours with an unassisted IVR.
Insurance
This merchant needed the ability to securely collect and store the credit card information that they received from their customers within their call centres and then send this information along with the customer data over to their designated Payment Gateway to complete the transaction. In this case the merchant had a different merchant account for each of their call centre sites — in total, 7 different gateway merchant accounts needed to be configured.