Secure Payment Submission Links
Collect Credit Card Information Through SMS and Email Without Agents Handling Sensitive Card Details
HostedPCI’s Card Submission Link allows businesses to send customers secure payment collection links through SMS or email.
Instead of asking customers to share credit card information over the phone, agents can send a link that directs customers to a HostedPCI-hosted payment form where they enter their card details.
HostedPCI collects, tokenizes, and stores the card information within its protected payment infrastructure, helping businesses reduce direct exposure to sensitive cardholder data.
Designed for call centers, billing departments, and customer service teams, Card Submission Link provides a convenient alternative to collecting credit card information verbally.
What Is a Card Submission Link?
Card Submission Link is a secure payment collection solution that allows businesses to request credit card information through SMS or email.
When a customer needs to provide payment details, an agent sends a link that opens a HostedPCI-hosted payment form.
The customer enters their card information directly into the form rather than sharing it with an agent or sending sensitive information through an email or text message.
HostedPCI captures and tokenizes the payment information, storing the original card details within its protected payment vault.
This allows businesses to collect card information remotely while limiting the need for agents and internal applications to handle raw card numbers.
How Does HostedPCI Card Submission Link Work?
1. Send a Secure Payment Link
When a customer needs to provide credit card information, an agent initiates a Card Submission Link request.
The link is delivered to the customer through SMS or email.
2. Customer Opens the Hosted Payment Form
The customer clicks the link and is directed to a HostedPCI-hosted payment form.
The customer can enter card information without verbally providing sensitive details to the agent.
3. HostedPCI Collects and Tokenizes Card Information
HostedPCI collects the card details through its hosted payment form.
The original card information is tokenized and stored within HostedPCI’s protected payment infrastructure.
4. Use the Tokenized Payment Information
The collected card information can be referenced through HostedPCI’s supported tokenization and payment workflows.
This helps businesses work with payment information without requiring agents to directly collect or retain the original card number.
Key Features of HostedPCI Card Submission Link
SMS and Email Payment Link Delivery
Send customers payment collection links through SMS or email.
This allows businesses to offer different communication methods depending on customer preferences and existing service workflows.
HostedPCI-Hosted Credit Card Collection
Customers enter their payment details into a HostedPCI-hosted form rather than providing card information directly to an agent.
The collection process separates sensitive card entry from the standard customer service conversation.
Secure Credit Card Tokenization
HostedPCI replaces collected card information with a token representing the original payment data.
Businesses can reference tokenized card information within supported payment workflows without storing the original card number in their applications.
Payment Vault Storage
Original card information is maintained within HostedPCI’s protected payment vault.
This helps limit the amount of sensitive payment information retained within merchant applications and internal systems.
Optional 3D Secure Integration
Depending on the configured payment flow, Card Submission Link can support additional payment authentication features such as 3D Secure.
3D Secure can help merchants authenticate applicable online card transactions through supported payment integrations.
Availability depends on the selected transaction flow, card issuer, and gateway configuration.
Why Use Secure Payment Links?
Reduce Direct Handling of Cardholder Data
Customers enter credit card details themselves rather than reading sensitive information aloud to call center agents.
Offer Customers More Ways to Submit Payment Details
Support both SMS and email delivery instead of requiring every customer to use the same communication channel.
Maintain Customer Service Support
Agents can guide customers through the payment collection process without directly requesting their complete card numbers.
Support Existing Payment Workflows
HostedPCI’s tokenization infrastructure allows businesses to incorporate collected payment information into supported payment applications and processing arrangements.
Secure Payment Link Use Cases
Call Centers and Customer Service
Allow agents to send customers a payment collection link during a customer service interaction instead of requesting credit card details verbally.
Billing and Accounts Receivable
Request payment information from customers who need to provide card details in connection with outstanding invoices or account balances.
Insurance and Service Providers
Collect card information from customers making payments for policies, renewals, and service-related charges.
Travel and Reservation Services
Provide customers with a secure method for submitting card details when completing reservation or booking payment arrangements.
Remote Customer Payments
Support situations where a business needs to collect card details without requiring the customer to visit a physical location or verbally share payment information.
Card Submission Link vs. SMS Link Payment
HostedPCI offers different solutions for collecting card information remotely.
Card Submission Link supports sending payment collection links through either SMS or email, allowing customers to enter card details through a HostedPCI-hosted payment form.
SMS Link Payment is a mobile payment collection option within HostedPCI’s IVR OmniFlow offering, designed for agent-assisted call center interactions.
Both approaches help reduce the need for agents to collect card information verbally.
The appropriate solution depends on the required delivery channels, customer service workflow, and payment integration.
PCI DSS Considerations for Payment Links
Businesses accepting credit card information must meet applicable PCI DSS requirements.
When card information is collected directly through merchant systems or verbally through call center interactions, sensitive cardholder data may enter applications, call recordings, or other systems.
HostedPCI’s Card Submission Link provides an alternative by allowing customers to enter payment details through a HostedPCI-hosted payment form.
This can help reduce direct exposure to cardholder information within the merchant’s environment.
HostedPCI provides cardholder data collection and tokenization through PCI DSS Level 1 validated infrastructure.
However, using secure payment links does not automatically eliminate a merchant’s PCI DSS responsibilities. The applicable scope depends on the complete payment implementation, including how links are generated, delivered, and used.
Frequently Asked Questions
What is a Card Submission Link?
A Card Submission Link allows businesses to request credit card information through a secure link delivered by SMS or email. Customers enter their payment details through a HostedPCI-hosted form rather than providing the information directly to an agent.
Can HostedPCI send payment links by both SMS and email?
Yes. HostedPCI’s Card Submission Link supports payment collection links delivered through SMS or email.
Does the customer need to provide credit card information over the phone?
No. Customers can enter their card details directly into a HostedPCI-hosted payment form rather than verbally sharing the information with an agent.
What happens to the credit card information after submission?
HostedPCI collects, tokenizes, and stores the submitted card information within its protected payment infrastructure.
Can Card Submission Link support 3D Secure?
HostedPCI’s published Card Submission Link offering describes the ability to incorporate additional payment authentication features, including 3D Secure. Availability depends on the specific payment workflow and supported integration.
Is Card Submission Link the same as SMS Link Payment?
No. Card Submission Link supports both SMS and email delivery. SMS Link Payment is also available as a channel within HostedPCI’s IVR OmniFlow solution.
The appropriate option depends on the business’s communication and payment collection requirements.
Does Card Submission Link eliminate PCI DSS requirements?
No. HostedPCI-hosted card collection can help reduce direct exposure to sensitive payment information, but PCI DSS responsibilities depend on the merchant’s complete payment environment.
Can the collected card information be used for payment processing?
HostedPCI provides tokenization and payment infrastructure that supports token-based payment workflows. Available transaction capabilities depend on the configured integration.
Collect Credit Card Information Securely With HostedPCI
Give customers a convenient way to submit payment details without sharing their card information verbally or sending sensitive card numbers through email or SMS messages.
HostedPCI’s Card Submission Link combines SMS and email delivery, hosted payment collection, credit card tokenization, and protected payment vault storage.
Contact HostedPCI to discuss how Card Submission Link can fit your payment collection workflow.