Hand-free payments become smart and secure with AI-powered voice capabilities brought by PayJunction in partnership with Twilio.
PayJunction, a U.S.-based payment processing company, has unveiled an innovative solution for voice payments enabled by artificial intelligence and powered by Twilio – a cloud communications platform, empowering businesses to seamlessly embed communication features into apps, CRMs, or workflows without managing telecom infrastructure.
PayJunction’s new voice-enabled payment system allows customers to make secure payments over the phone or using smart assistants, offering a more convenient and conversational experience while maintaining enterprise-level security standards.
By using Twilio’s voice technology and AI-powered speech recognition, PayJunction merchants can now implement smart, AI-driven Interactive Voice Response (IVR) solutions that automate and streamline transactions. This reduces the need for manual processing, cuts costs, and helps businesses scale their voice payment operations efficiently without expanding their PCI compliance scope.
Conversational payments, where users authorize transactions by speaking to a phone, smart speaker, or virtual assistant, have seen significant growth and adoption in 2025. Instead of tapping or scanning something, voice payments allow users to make purchases, transfer money, or pay bills using spoken commands. This type of transactions attracts a wide demographic range, starting from always busy tech-savvy millennials to older adults seeking convenience.
In the US, the percentage of adults using voice payments has grown from 8% in 2017 to over 30% by 2022, and keeps increasing. While payments made through smartphones and smart speakers (like Amazon Alexa, Google Home) are the most popular of this kind, interactive voice response (IVR) systems on traditional phone calls also have a large target audience.
Nearly 50% of US consumers call to pay a bill at least once per year using IVR systems. The payment method is especially popular for paying healthcare bills. In addition, recent security and privacy enhancements, such as voice biometrics and PCI compliance, have further increased consumer trust in IVR payments and boosted their adoption.
