A new approach to payment architecture helps organizations reduce operational costs, regain control over fragmented payment environments, and eliminate unnecessary PCI exposure.

(PRUnderground) April 28th, 2026

Organizations are investing heavily in digital payment channels. Online portals are expanding. Call centers are busier. Mobile and automated options continue to grow.

Yet behind this expansion, a different trend is emerging. Payment operations are becoming harder to manage, not easier.

Costs are rising as compliance efforts increase. And in many cases, organizations are losing visibility into how money actually moves through their business.

The root issue is not the volume of payments, but the lack of a defined structure for how payments should operate across channels.

In most environments, payment capabilities are introduced to solve immediate needs. A portal is added to support online payments. A call center handles exceptions. An IVR is introduced to deflect calls. Over time, these layers accumulate without a clear model governing how they should work together.

The result is a fragmented payment environment where risk, cost, and responsibility are distributed across systems and teams.

Datatel is addressing this challenge with the introduction of its Payment Design Framework, a structured approach that helps organizations rethink how payments are organized, controlled, and executed across the enterprise.

Rather than focusing on individual payment tools, the framework defines how payment flows should be designed end to end. This includes how customers interact with payment channels, where sensitive data is handled, and how control is maintained across the lifecycle of a transaction.

A key component of this approach is the strategic use of IVR Payments to isolate and remove cardholder data from human interaction points. By shifting payment capture into a controlled environment, organizations can significantly reduce their PCI scope while improving consistency across channels.

To support this, Datatel leverages it’s  PCI Navigator to provide clarity on PCI obligations and reporting requirements. Organizations can then get a better grasp of where they stand, what applies to them, and how changes to their payment design impact their compliance position. This is then combined with advisory services that help organizations map their current payment flows, identify breakdowns in design, and implement a more structured and controlled architecture.

“What we see consistently is that organizations don’t have a single view of how payments operate across their business,” said Barnard Crespi, Co-Founder and Co-CEO of Datatel. “They have pieces. They have channels. But they don’t have a defined design. And without that, risk and complexity continue to grow.”

The Payment Design Framework introduces a different model. Payments are treated as a system with defined rules, ownership, and structure, rather than a set of disconnected capabilities.

This allows organizations to reduce reliance on manual processes, limit the spread of sensitive data, and create a more predictable and manageable operating environment.

To support this, Datatel offers a short working session called “How Money Flows.”

This is not a product review. Rather, it is a 20–30 minute diagnostic discussion, designed to give you a clear view of how payments actually move across your environment today.

During the session, we walk through how payments flow across channels, where design decisions may be introducing risk or inefficiency, and how your current architecture is performing under real conditions.

In many cases, this also surfaces areas where revenue is unintentionally lost or delayed—not through a single failure, but through how the system is structured end to end.

Following the session, you’ll receive a structured report that outlines:

• How payments move across your channels today
• Where risk or control gaps may exist
• Points of inefficiency or operational friction
• Areas where revenue may be lost, delayed, or misapplied

Book your session to receive the walkthrough and structured report → https://calendly.com/datatel/how-money-flows-session-20-30-team 

As organizations continue to expand how they accept payments, those that establish a clear design framework will be better positioned to reduce complexity, manage compliance, and support long-term growth.

About Datatel Communications Inc

Datatel is a global provider of secure payment solutions, AI payment isolation technology, PCI-focused services, and executive advisory solutions that help organizations reduce risk, simplify compliance, and modernize payment environments with confidence.

For more than 30 years, Datatel has delivered enterprise-grade IVR Payment and transaction automation solutions designed to remove sensitive cardholder data from business environments and streamline workflows. Today, Datatel enables secure payments across voice, web, AI-driven customer interactions, and integrated software platforms while advising executive teams on payment modernization, risk reduction, and the evolving implications of AI-driven commerce.

Trusted by healthcare providers, financial institutions, government agencies, software companies, and enterprises worldwide, Datatel helps organizations minimize exposure to payment data, reduce PCI scope, and align modernization initiatives across people, processes, and platforms. The result is lower operational risk, a stronger security posture, and improved efficiency.

Through structured advisory , Datatel provides leadership teams with clear visibility into their payment ecosystems identifying risk gaps, hidden vulnerabilities, operational inefficiencies, and modernization opportunities to ensure today’s decisions remain resilient as commerce evolves.

As a PCI Level 1 Service Provider and PCI SSC Associate Participating Organization, Datatel maintains the highest standards of payment security and actively contributes to advancing global compliance frameworks.

Datatel remains focused on delivering secure, scalable payment infrastructure and executive advisory services that support long-term operational resilience, responsible growth, and the future of AI enabled digital commerce.

At Datatel, we are also actively engaged in our communities. Webelieve that a society that shortchanges its youngest and most vulnerable members forfeits its own future, and as part ofthis core belief, we work as a team to support those in need and help them overcome challenges, contributing to a brighter future for all for generations to come.

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Original Press Release.