---
title: "Voice Payments API: card payments inside the call | Telnyx"
canonical: https://telnyx.com/products/voice-payments
---
# Voice Payments API: card payments inside the call | Telnyx

**VOICE PAYMENTS API · BETA**

# Voice Payments: take card payments on the call

Collect card payments mid-call. The number never reaches your human agent, AI agent, recording or transcript.

[Join the beta](https://telnyx.com/contact-us)[Read the docs](https://developers.telnyx.com/docs/voice/programmable-voice/pay)

**THE PROBLEM**

## Every card number read aloud is a liability

Spoken card numbers land in your recordings, transcripts, QA tools and model provider. Transferring to an IVR fixes compliance by breaking the call.

HOW IT WORKS

## Payment capture runs inside the call

### Start a Pay session

Your app, TeXML flow or AI agent triggers it. No transfer, no hold.

### Caller keys the card

Recording, transcription and your AI agent are masked. Details go encrypted to your processor.

### Back to the conversation

You get the result and a token. The card is masked to its last four digits.

Step 1/3

## See it in action

Watch an AI agent take a card payment mid-call, without the card details ever reaching the assistant.

[Watch the demo](https://www.youtube.com/watch?v=KGdga3YpmPI)

WHY TELNYX

## This only works if you own the network

Capture happens inside the media path. Telnyx owns that path, so no third party touches your call.

* ### One vendor, One API  
AI agents, voice and payments on one platform.
* ### No handoff, no drop  
The caller stays on the same call, with the same agent.
* ### Runs on the network we own  
Capture happens on the private global IP network Telnyx owns.

COMPLIANCE

## Built for your compliance assessment

Telnyx Voice Payments is designed for PCI compliance.

* Keyed, not spoken  
Card details are encrypted and sent straight to your processor.
* Hidden from AI agents  
Keypad input never reaches the model or the transcript.
* Masked results  
You get a token or charge ID and the last four digits. Never the security code.

DEVELOPERS

## Add payments in a few lines

Use TeXML, the Voice API or the AI Assistant Pay tool. Cards and ACH debit, in USD.

[Read the docs](https://developers.telnyx.com/docs/voice/programmable-voice/pay)

TeXML

```
<?xml version="1.0" encoding="UTF-8"?>
<Response>
  <Pay paymentConnector="MyConnector"
       chargeAmount="10.50"
       currency="USD"
       transactionType="charge"
       maxAttempts="3"
       action="https://example.com/payment-complete"
       statusCallback="https://example.com/pay-status" />
</Response>
```

Voice API

```
POST /v2/calls/{call_control_id}/actions/pay

{
  "connector_name": "MyConnector",
  "amount": 10.5,
  "currency": "USD",
  "payment_method": "credit-card",
  "transaction_type": "charge",
  "max_attempts": 3
}
```

TeXMLVoice API

## Take the card number out of the conversation

The beta is open to existing Telnyx customers.

[Join the beta](https://telnyx.com/contact-us)

## FAQ

### Does the human agent hear the card number?

No. The caller keys the digits and the audio is masked for the whole Pay session.

### Does card data reach my recordings or transcripts?

### Can a Voice AI agent take a payment?

### How does Voice Payments handle PCI compliance?

### Which payment processors are supported?

### What happens if a payment fails?

### What does it cost?

[Start building](https://telnyx.com/sign-up)