What PCI Pal does

PCI Pal PLC is a publicly traded (LON: PCIP) specialist provider of cloud-based secure payment solutions for contact centers and businesses taking Cardholder Not Present payments. Founded in 2010 and headquartered in London with a North American headquarters in Charlotte, NC, the company serves hundreds of enterprise and public-sector customers across healthcare, financial services, government, retail, BPOs, travel, logistics, utilities, and not-for-profit verticals. Its core customers include DHL, Lululemon, Christian Dior, Halfords, Virgin, Air Europa, Darlington Borough Council, and Teleperformance.

The company's core product is a cloud-native SaaS platform hosted on AWS across regions in the US, Canada, UK, Mainland Europe, and Australia. The platform uses patented VoIP payment processing technology to intercept and secure payment data during live agent interactions without disrupting the customer experience, replacing legacy pause-and-resume recording. Product modules include Agent Assist (primary agent-facing solution), DTMF Masking, Speech Recognition supporting 140+ languages, Secure Digital Links/Click to Pay (Apple Pay, Google Pay, PayPal, open banking), Conversational AI Payments, AI-Powered Proactive Fraud Management, Passkey Customer Authentication, and an Analytics dashboard. The platform integrates with 50+ CCaaS/UCaaS, CRM (Salesforce), EHR (Epic), and payment gateway (WorldPay) partners and is listed on AWS Marketplace and Microsoft AppSource.

PCI Pal generates revenue through SaaS subscriptions aligned to contact center size and transaction volume, transaction-based payment fees, and professional services for implementation and integration. Pricing is quote-based with annual contracts; no public rate card exists. The company holds an extensive certification portfolio (SOC 2 Type II, HIPAA/HITECH, HITRUST CSF, ISO 27001, ISO 22301, ISO 9001, ISO 14001, Cyber Essentials Plus, PCI DSS) and participates in PCI SSC governance. Go-to-market combines direct enterprise sales, an extensive channel/reseller ecosystem (including a 2026 global telco reseller agreement), and government procurement frameworks (Crown Commercial Service, G-Cloud). Recurring revenue grew 27% YoY to £20.5m as of the September 2025 trading update.

Name

PCI Pal

Legal name

PCI Pal PLC

Website

https://pcipal.com

Company type

Public

Founded year

2010

Operating status

Operating

Headcount range

101–250 employees

Short description

PCI Pal PLC (LON: PCIP) provides cloud-based secure PCI DSS-compliant payment solutions for contact centers, enabling enterprises across healthcare, financial services, government, retail, and BPOs to capture card-not-present payments securely across voice, chat, IVR, and AI channels via a patented SaaS platform.

Ownership category

akta.pro rank

Product category

Secure Contact Center Payment Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Payment Gateways & API Connectivity (FSAGABAB)

akta.pro secondary industries

Payment Gateways & Orchestration (BPAMAFAA), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

Keywords

• Secure payment processing
• PCI DSS compliance
• Contact center payments
• Cloud payment security
• Cardholder not present

Headquarters

HQ city

Charlotte

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS Subscription (Secure Payment Platform): Subscription-based revenue from cloud secure payment platform deployed across customer contact centers. Includes platform access, integration capabilities, and security compliance. Revenue model aligned with contact center size and transaction volume.
2. Transaction-based Fees: Transaction-based fees for payment processing through the platform. Enables organizations to leverage lower per-transaction cost payment options while generating incremental revenue.
3. Professional Services: Implementation, integration, and consulting services for customer deployments. Includes solution design, environment integration, payment gateway setup, agent training, and ongoing success support.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels6 records

Core offering

PCI Pal provides a true-cloud SaaS secure payment platform that enables businesses and contact centers to take PCI DSS-compliant Cardholder Not Present payments across voice, chat, IVR, SMS, and email channels. Its core Agent Assist product uses patented VoIP technology to intercept and mask payment data during live agent interactions, removing the customer's environment from PCI DSS compliance scope. The platform is complemented by modules for DTMF masking, speech recognition (140+ languages), conversational AI payments, secure digital links (Click to Pay), proactive AI fraud scoring, passkey customer authentication, and multi-channel analytics, delivered via a unified API and 50+ pre-built integrations with major CCaaS/UCaaS, payment gateway, and CRM/EHR platforms.

Product overview

PCI Pal is a cloud-based secure payment platform provider (SaaS model) that enables businesses to take PCI DSS compliant payments across all contact center channels. The core platform (Agent Assist) is complemented by multiple modules and solutions including: Secure Digital Links/Click to Pay for omnichannel digital payments; DTMF Masking for keypad-entered payment protection; Speech Recognition/Speak to Pay for voice-based payments in 140+ languages; Conversational AI Payments for bot-enabled automation; Proactive Fraud Management for real-time fraud detection; Customer Authentication (Passkey) for passwordless identity verification; and Analytics for business intelligence. The platform operates across three channel types: Digital Interactions (chat, SMS, email), Phone Interactions (agent-assisted), and IVR Self-Service. Industry-specific solutions are available for Healthcare, Financial Services, BPOs, Government, Retail, Travel & Leisure, Utilities, Logistics, and Not-for-Profit sectors. All solutions are hosted on AWS with global redundancy.

Differentiator

Problem solved

Functional benefit

Products and services

• PCI Pal Cloud Platform (Agent Assist) Core cloud-based SaaS secure payment platform for contact centers, enabling agents to guide customers through payment capture while remaining blind to sensitive card details across all channels.
• Secure Digital Links / Click to Pay Omnichannel secure payment capability enabling customers to pay via digital links delivered through chat, SMS, email, or phone, with support for card, wallet, and bank transfer payment methods.
• DTMF Masking Intercept-and-mask technology that protects payment card details entered via telephone keypad so that agents and call recordings never see or hear sensitive data.
• Speech Recognition / Speak to Pay AI-powered speech recognition that enables customers to speak their payment details, supporting 140+ languages and regional accents for agent-assisted and IVR self-service payments.
• Conversational AI Payments Integration solution that enables AI-powered bots on leading conversational AI platforms (including Zoom Virtual Agent) to take automated, PCI DSS-compliant payments.
• Proactive Fraud Management (AI Powered Risk Scoring) AI-powered fraud risk scoring product that identifies high-risk inbound calls using layered phone number intelligence and alerts agents before payment is processed.
• Customer Authentication (Passkey) Passwordless customer authentication product using passkey technology with biometrics or device-bound credentials to verify identity before sensitive interactions.
• PCI Pal Analytics Business intelligence and reporting solution providing actionable insights into payment experience across all channels, with automated reporting and stakeholder visibility.
• IVR Self-Service Payment Solution Automated IVR payment channel solution enabling customers to make secure self-service payments 24x7 using DTMF or speech recognition.

Quantifiable outcome

• Payment failure rate reduced from 25% to less than 5% (VAX case study)
• +3 more outcomes

Named customers18 records

Segments10 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration31 records

AI capability9 records

Feature9 records

Partnerships

18 partnerships are on record, tiered major, core/flagship, core, core/infrastructure and regional.

• Global Telecommunications Company (Telco)majorChannel Partner/ Reseller/ Distributor · 18 March 2026Integrated reseller partnership with leading global telecommunications company providing carrier services, contact centers, and unified communications. Distributes PCI Pal secure payment solutions across telco's international customer base following competitive procurement process.
• Zoom Communicationscore/flagshipTechnology or Integration · 10 March 2026Strategic partnership expansion integrating PCI Pal secure payment technology into Zoom Virtual Agent (ZVA). Enables seamless customer payment transactions within AI-driven workflows, reducing PCI DSS compliance complexity for organizations deploying virtual agents. Developed to support global enterprise transaction volumes.
• Genesyscore/flagshipTechnology or IntegrationPreferred secure payment integration partner. PCI Pal solutions integrate with Genesys Cloud platform for contact center secure payments. Joint customer deployments and co-marketing at Genesys Xperience events.
• Five9coreTechnology or IntegrationCertified integration partner for Five9 Intelligent CX Platform. Pre-built connectors enable rapid deployment of secure payment solutions.
• NICE CxonecoreTechnology or IntegrationIntegration partner for NICE CXone contact center platform enabling secure payment capture within NICE's customer experience cloud.
• RingCentralcoreTechnology or IntegrationPartner integration for RingCentral's UCaaS and contact center platforms. PCI Pal available through RingCentral ecosystem and marketplace.
• TalkdeskcoreTechnology or IntegrationIntegration partner for Talkdesk cloud contact center platform. Joint go-to-market for secure payment solutions.
• VerintcoreTechnology or IntegrationPartner integration with Verint contact center and workforce optimization platforms.
• 8x8coreTechnology or IntegrationIntegration partner for 8x8 unified communications and contact center solutions.
• Amazon ConnectcoreTechnology or IntegrationAWS-native contact center integration. PCI Pal available through AWS Marketplace for Amazon Connect deployments.
• VonagecoreTechnology or IntegrationIntegration partner for Vonage UCaaS and contact center platforms with marketplace availability.
• MicrosoftcoreTechnology or IntegrationIntegration with Microsoft Teams and Dynamics. PCI Pal Agent Assist available through Microsoft AppSource marketplace.
• WorldPaycoreTechnology or IntegrationPayment gateway integration partner enabling WorldPay payment processing within PCI Pal secure payment flows.
• AWScore/infrastructureTechnology or IntegrationCloud infrastructure provider hosting PCI Pal global SaaS platform across multiple regions (US, Canada, UK, Europe, Australia). PCI Pal solutions available through AWS Marketplace.
• CarahsoftregionalChannel Partner/ Reseller/ DistributorGovernment-focused reseller and IT solutions distributor representing PCI Pal in public sector markets.
• TeleperformancecoreChannel Partner/ Reseller/ DistributorMajor BPO provider utilizing PCI Pal secure payment solutions for client contact center operations globally.
• Crown Commercial ServiceregionalChannel Partner/ Reseller/ DistributorUK government procurement framework enabling public sector organizations to procure PCI Pal solutions through official government channels.
• G-CloudregionalChannel Partner/ Reseller/ DistributorUK government cloud computing framework listing enabling public sector procurement of PCI Pal SaaS solutions.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Eckoh: UK-listed (LON: ECK) provider of secure payment solutions for contact centers, directly competing with PCI Pal across DTMF masking, speech recognition, and omnichannel CNP payment security for enterprise and BPO customers.
• Semafone: Specialist in secure voice payments and DTMF tone-masking for contact centers; historically a direct PCI Pal competitor prior to its acquisition by Stripe, and continues to operate in the same secure-CNP niche.
• TokenEx (Vonage / Ericsson): Cloud tokenization platform for PCI scope reduction across contact-center, e-commerce, and back-office payments — overlapping with PCI Pal's de-scoping and tokenization value proposition for regulated enterprises.

Broad incumbents

• Stripe: Global payments platform that acquired Semafone in 2021 to enter the secure contact-center payment space; broader offering across online and in-person acceptance, but directly competitive via its Semafone business in PCI-secure voice payments.
• Trustwave: Cybersecurity and PCI QSA provider offering secure-payment consulting, managed compliance, and data-security services for merchants and contact centers — adjacent to PCI Pal's PCI-DSS scope-reduction proposition.
• Worldpay: Global payment processor and gateway partner of PCI Pal; offers broader merchant acquiring and CNP payment capabilities, overlapping with PCI Pal's payment-gateway integration and omnichannel orchestration stack.
• Genesys: Largest CCaaS platform partner of PCI Pal; while currently a 'preferred' secure-payment integration, Genesys operates broadly across customer experience and could conceivably bundle competing payment-security functionality.
• NICE: CCaaS and customer-experience analytics major with which PCI Pal has a certified integration; competes indirectly by offering broader CX and compliance tooling that touches payment workflows in regulated enterprises.
• Five9: Cloud contact-center platform with a certified PCI Pal integration; represents a comparable distribution vector and a potential future in-house secure-payment capability if Five9 chose to expand its CX suite.
• Visa (Cybersource): Visa-owned payment-management platform offering tokenization, fraud management, and CNP payment security at enterprise scale — overlapping with PCI Pal's fraud-scoring and PCI-scope-reduction capabilities, particularly for global merchants.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/pcipal
• YouTubeyoutube.com/pcipal
• LinkedInlinkedin.com/company/pci-pal

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PCI Pal