PCI compliance refers to adherence to the Payment Card Industry Data Security Standard (PCI-DSS), which establishes requirements for organizations that handle credit card information. Voice AI processing payments must meet these security standards.
How does PCI affect voice AI?
When callers provide credit card numbers verbally, the voice AI system handles cardholder data subject to PCI requirements. This includes secure transmission, restricted storage, access controls, encryption, and regular security assessments. Call recordings containing card numbers require special handling or redaction.
Why does PCI compliance matter?
Non-compliance can result in fines, increased transaction fees, or loss of the ability to process cards. Data breaches expose the business to liability and reputational damage. For voice AI handling payments, PCI compliance is not optional but a requirement for operating safely.
PCI compliance in practice
A voice AI platform implements PCI compliance through DTMF capture for card numbers (avoiding audio recording of digits), immediate tokenization, encrypted transmission to payment processors, redaction of any transcribed card data, and annual compliance certification. Callers can safely provide payment information knowing it is protected.