Interactive Voice Response - Payments

IVR payment solution reduces costs, increases efficiency and gives customers the option of securely processing payments over phone.

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atom IVR - Secure, Reliable and Convenient

A secure, reliable and convenient payment solution, atom IVR, facilitates automated acceptance of payments through credit and debit cards 24*7. Eliminating the ‘customer care executive’s’ participation in the process of undergoing a transaction, atom IVR makes it possible to carry out payments seamlessly over the phone by disposing of the fear of revealing crucial credit or debit card data.

atom IVR’s services are employed far and wide. It enables transactions over the phone for airline tickets, movie tickets, leisure tours, day to day shopping, magazine subscription, car servicing home delivery and others.

How is IVR being used in payment gateway?

The evergreen IVR or Interactive Voice Response system is extensively being used to accept and make payments over the phone, as providing debit and credit card details with DTMF is easy and can be done on the go without a computer or an internet connection.

In case the card details are not stored by the payment gateway, the details must be entered making use of DTMF while processing the transaction.

Almost all IVR payment gateways utilize outbound dialer in order to process the transaction.

As soon as a customer makes a purchase, atom IVR makes an outbound call on the registered phone number, declares the purchase details and requires the customer to press a key to confirm. Once the purchase is confirmed, the customer is asked to punch in the correct PIN, therefore completing the transaction by charging the debit or credit card.

IVR Call Setup

atom caters its merchants by providing them with the option of both Inbound and Outbound IVR solution, which can be deployed by them. Being a versatile system, atom IVR allows merchants to configure their own call flow, as per their requirements.

Inbound Calls

Inbound Call flow systems are used to de-humanize the process of calling-answering and allow you to conduct extremely complex transactions such as accepting outstanding bill payments. Inbound Calls refer to the process where the customer initiates the process of calling, with the intention of reaching out to a merchant. 

atom’s Inbound IVR systems enable processing of any debit or credit card transactions over the phone and can therefore operate 24*7.

atom provides you four ways to handle payments when it comes to Inbound IVR call. This includes,

  • Agent Assisted Integrated
    It includes the interaction between the call centre agent and the customer. On customer’s willingness to pay through credit card, agent keeps the customer on hold, dials out to atom IVR and enters the unique number/policy no/transaction id/booking id etc which is generated from their CRM, on receiving proper response from the client’s backend, IVR prompts to take the customer on the conference call. The customer is then prompted to enter his credit card details including the OTP. After authentication & authorization, IVR prompts the respective message to the Customer.
  • Agent Assisted Non- Integrated
    It includes the interaction between the call centre agent and the customer. On customer’s willingness to pay through credit card, the agent keeps the customer on hold, dials out to atom IVR Mumbai/Delhi calling numbers and enters all the required details for the transaction manually like Transaction id, amount, mobile no etc. and then adds the customer on the same conference call. The customer enters all the required details for the transaction manually like Transaction id, amount, mobile no etc. The customer is then prompted to enter his credit card details including the OTP. After authentication & authorization, IVR prompts the respective message to the Customer.
  • Automated Integrated
    This process does not include a call centre agent. The customer directly calls up on the number which is provided by the merchant or DID numbers shared by atom.
  • Automated Non-Integrated
    This process does not include call centre agent. The customer directly calls up on the number which is provided by the merchant. Once the customer gets connected to the IVR, the IVR prompts the customer to enter details (customer id, order id, product code, policy no, transaction reference no etc.) followed by the amount.

Outbound Calls

Outbound IVR or Call flow allows merchants to have their systems initiate the call process towards the customers for services like payment received alerts or an outstanding payment reminder. Payment reminders or the collection calls are generally placed over an extremely intelligent automated system that can monitor whether the calls are answered or unanswered.

atom’s Outbound IVR Call flow allows you to make payment through two modes. This includes,

  • Automated Integrated
  • Automated Non-Integrated

Is it safe to accept Payment using IVR technology?

IVR payments can offer greater security and convenience — both for your business and your customers. Our IVR service is a fully secured, impregnable solution which is ‘PCI DSS version 3.2’ certified. With PCI DSS security certification atom ensures that its customer’s invaluable account information is invariably protected. atom IVR also provides validation and authorization on real-time basis.

Why choose atom for IVR Payments?

Customized Inbound and Outbound Call Flow

Being an accomplished and all-round system, atom IVR allows merchants to configure the call-flow that caters to their requirements

Available 365*24*7

Unlike the customer support department that might not be available in the odd hours of the day, IVR provides your customers the leisure of getting assisted whenever they want, eliminating the issue of time constraints

Payment through any
Debit / Credit Card

atom IVR provides a customer the option of making payment with any debit or credit card.

Customizable IVR reports

Challan is a payment mode to make online transactions and then paying for it offline at a branch. Customer can make payment at any Bank Branch pan India saving time and money.

Cost Effective

Establishing an IVR doesn’t cost a fortune. The developmental cost of an IVR system is highly economical.

Real-Time Transaction reporting and Reconciliation tool

atom’s web based transactional tool allows a merchant to monitor transactions happening on the IVR platform on a real-time basis.

Risk Management and Security

atom IVR makes sure that the card information given out during the processing of a transaction is encrypted and sent to the base station ensuring complete data protection

Superior Customer Service

IVR systems are well known to provide direct, definite and thorough customer service. IVR are not only informative but time efficient also

Is IVR Payment Right for Your Business?

Done correctly, IVR payments can offer greater security and convenience both for your business and your customers.
atom technologies offer PCI-compliant IVR payment solutions that leverage the latest security features (including tokenization and encryption). If you're interested in incorporating IVR technology into your payment infrastructure.

Frequently Asked Questions

Interactive Voice Response (IVR) is a phone system application that prompts callers with recorded messages and options and processes voice input and/or touch-phone keypad selections from these menus. The IVR script responds to this input by providing appropriate information in the form of voice answer or provides a connection to a "live" operator.