Phone & IVR Payment Processing

Interactive Voice Response, or IVR, is a hosted, agent-less telephone payment system that is available 24/7. This convenient and flexible payment channel can be used for paying invoices and bills using simple voice commands.

IVR can accept payments from tenants paying rent, patients paying medical bills, credit union members making auto finance payments and much more.

IVR Payment Processing with BillingTree

How does IVR Payment Processing work?

An IVR payment gateway can be accessed via a toll-free number or can be routed from any existing telephone system. When callers are connected to the IVR gateway, they are presented with pre-recorded call flows and messages, easily routing them to complete payments seamlessly. Using touch-tone prompts, callers can validate their accounts and remit payment in a simple and frictionless manner.

There are a multitude of companies out there that process IVR payments. But not all payment processors are the same. For example, BillingTree offers the following advantages:

  • IVR payments allow consumers to make payments in a non-intrusive way, 24-hours-a-day
  • Customers can make payments without speaking to an agent, saving labor costs and providing payors with the ultimate in convenience
  • Custom-branded IVR systems maintain your brand consistency
  • BillingTree IVR platforms are fully compliant with PCI, NACHA and HIPAA for security and risk mitigation
  • IVR systems allow consumers to make payments after hours for convenience and increased revenue opportunity

The Customer Journey with IVR Payment Processing

Your Customer Calls to Make a Payment

When the customers call, an interactive voice response system (IVR) requests the information needed to complete their payment.

IVR Presents Their Options

This information is securely entered into an online portal that matches the intents and policies of your business.

Payrazr Securely Processes the Transaction

The credit, debit, or electronic check payment is processed securely with BillingTree’s Level-1 PCI Certified Payrazr IVR phone system.

Collection & Get Real-Time Payment Details

The processed payment is collected and entered into our software dashboard for you to view and reference in the future.


IVR payment processing is the ultimate in customer convenience. You can now offer 24/7 customer support and accept payments around the clock. At the same time, you’re reducing the costs associated with burdening your staff with this administrative responsibility. In general, you’re reducing costs and giving your customers a better experience with your brand.