Live transfer: what it means in pay per call

Live transfer: A call where an agent or IVR qualifies a consumer first and then connects them live to a buyer's agent, usually on the same call.

How it works in pay per call

Live transfers are common in insurance, Medicare, final expense, debt and legal. The transferring side qualifies the consumer (age, state, need) and then bridges the call to the buyer. The buyer pays for the transfer once it lasts past the buffer.

If the original contact was an outbound call or text, the TCPA, the Telemarketing Sales Rule and state mini-TCPAs apply to that contact. That makes consent proof, DNC and litigator scrubbing, and accurate call recordings essential. In Medicare, CMS rules on TPMO disclaimers and call recording also apply.

A warm transfer adds an introduction: the transferring agent stays on the line and introduces the consumer to the receiving agent. A cold transfer connects the call without that hand-off.

Example

Example: an outbound agent confirms the consumer is 65 or older, lives in a state the buyer serves and wants to review plans, reads the required disclosures, then bridges the call to the buyer's licensed agent. The transfer bills only once it passes the buyer's buffer.