Alternative method of paying with a credit card rather than entering it through a web page, but using an Interactive voice response (IVR) system. Customer selects from the web page “Checkout with PaybyPhone” from the payment portion of the checkout page. A system and method for paying by a credit card, preferably at a point of sale, is disclosed. The system employs an automated IVR system which the user calls using any telephone/cell phone, and enters their credit card information by using the key pad of the telephone/cell phone in response to verbal questions posed by the system. In one embodiment, only numeric information concerning the payment is entered. This credit card payment information will be used to approve/decline the order via third party gateway. The system provides the user with verbal and visual information regarding the result of the payment/order.