Businesses are putting AI agents on the phone and in chat faster than their compliance teams can keep up. The problem shows up the moment one of those agents has to take a payment: the card number passes straight through the language model's context window, and it can leak into call recordings, chat logs and training data. That's a PCI DSS nightmare, and it's happening quietly inside a lot of new AI deployments.

Paytia today launched Conversational & AI Payments, built on its Capture Assist API, to close that gap. The service takes a bank or card payment inside an AI agent's conversation — by phone or chat — while keeping the sensitive data entirely outside the AI's network, transcript and logs.

When the agent reaches the payment step, it calls Capture Assist. The customer enters their card on Paytia's hosted form, or by keypad on a call, fully isolated from the AI. Paytia processes it on its PCI DSS Level 1 SecureFlow platform, returns a token and a result, and the bot picks the conversation straight back up.

"If there's an AI in the loop, this is the only safe way to take a payment," said Curtis Nash, CEO of Paytia. "A card number should never sit in a chat log or an LLM's context — but that's exactly where it ends up in most of the AI agents being built right now. We draw a hard line around the card. The bot runs the conversation, we hold the sensitive data, and the two never mix."

For telephone agents, Paytia connects over SIP in one of two ways: sitting in front of the bot for total isolation, or conferencing in on demand when a payment is due. Chat agents capture through Advanced Payment Links. For anyone already using Paytia, turning it on is a config change rather than a new contract.

The service is backed by a Data Protection Agreement, with Paytia as appointed data processor. Card data is never logged or used to train models. Paytia holds PCI DSS Level 1 and Cyber Essentials Plus certification and has processed more than £400 million since 2020.

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