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PCI-PAL PLC sells payment security software for businesses that take card payments over the phone or through customer contact centers. Its tools help agents collect payment details without exposing the customer’s card data, which reduces the chance of fraud and helps the business handle payments in a compliant way. The company’s main customers are organizations with high volumes of phone-based payments, such as utilities, healthcare providers, airlines, retailers, and outsourced call centers.
The company makes money mainly by licensing its software and charging recurring fees for access, support, and related services. It sits between the customer service team and the payment processor, so it does not replace the payment system itself; instead, it makes the payment step safer by removing sensitive data from the call flow. That makes PCI-PAL a specialist in a narrow but important part of the payments chain.
Its business model is different from a typical payments company because it focuses on securing the payment conversation rather than moving the money. Once a business builds PCI-PAL into its contact center setup, the software becomes part of an everyday operational workflow, which can make the service sticky and tied closely to the customer’s compliance needs.
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