diff --git a/CHANGELOG.md b/CHANGELOG.md
index ec2e261675a..c5cbd56f0ef 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -108,6 +108,7 @@ Docs: https://docs.openclaw.ai
 - Providers/OpenRouter: add an OpenRouter TTS provider using the OpenAI-compatible `/audio/speech` endpoint and `OPENROUTER_API_KEY`. Fixes #71268.
 - macOS Talk Mode: retry failed local ElevenLabs stream playback through gateway `talk.speak` before falling back to the system voice, so configured ElevenLabs voices still play when streaming playback fails. Fixes #65662.
 - Plugins/Voice Call: reap stale pre-answer calls by default, honor configured TTS timeouts for Twilio media-stream playback, and fail empty telephony audio instead of completing as silence. Fixes #42071; supersedes #60957. Thanks @Ryce and @sliekens.
+- Plugins/Voice Call: fail fast when Twilio, Telnyx, or Plivo would fall back to a loopback/private webhook URL, so calls do not start with an unreachable callback endpoint. Thanks @artemgetmann.
 - Plugins/Voice Call: resolve queued-but-not-yet-playing Twilio TTS entries when barge-in or stream teardown clears the playback queue, so callers awaiting `queueTts()` do not hang. Thanks @kevinWangSheng.
 - Plugins/Voice Call: terminate expired restored call sessions with the provider and restart restored max-duration timers with only the remaining duration, preventing stale outbound retry loops after Gateway restarts. Fixes #48739. Thanks @mira-solari.
 - Plugins/Voice Call: start provider STT after Telnyx outbound conversation greetings and pass configured Telnyx voice IDs through to the speak action. Fixes #56091. Thanks @Roshan.
diff --git a/extensions/voice-call/src/runtime.test.ts b/extensions/voice-call/src/runtime.test.ts
index ad9aa64b208..b50864af5dd 100644
--- a/extensions/voice-call/src/runtime.test.ts
+++ b/extensions/voice-call/src/runtime.test.ts
@@ -78,6 +78,33 @@ function createBaseConfig(): VoiceCallConfig {
   return createVoiceCallBaseConfig({ tunnelProvider: "ngrok" });
 }
 
+function createExternalProviderConfig(params: {
+  provider: "twilio" | "telnyx" | "plivo";
+  publicUrl?: string;
+}): VoiceCallConfig {
+  const config = createVoiceCallBaseConfig({
+    provider: params.provider,
+    tunnelProvider: "none",
+  });
+  config.twilio = {
+    accountSid: "AC123",
+    authToken: "secret",
+  };
+  config.telnyx = {
+    apiKey: "key",
+    connectionId: "conn",
+    publicKey: "pub",
+  };
+  config.plivo = {
+    authId: "MA123",
+    authToken: "secret",
+  };
+  if (params.publicUrl) {
+    config.publicUrl = params.publicUrl;
+  }
+  return config;
+}
+
 describe("createVoiceCallRuntime lifecycle", () => {
   beforeEach(() => {
     vi.clearAllMocks();
@@ -170,6 +197,36 @@ describe("createVoiceCallRuntime lifecycle", () => {
     expect(mocks.webhookCtorArgs[0]?.[4]).toBe(fullConfig);
   });
 
+  it.each(["twilio", "telnyx", "plivo"] as const)(
+    "fails closed when %s falls back to a local-only webhook",
+    async (provider) => {
+      await expect(
+        createVoiceCallRuntime({
+          config: createExternalProviderConfig({ provider }),
+          coreConfig: {} as CoreConfig,
+          agentRuntime: {} as never,
+        }),
+      ).rejects.toThrow(`${provider} requires a publicly reachable webhook URL`);
+      expect(mocks.webhookStop).toHaveBeenCalledTimes(1);
+    },
+  );
+
+  it("accepts an explicit public URL for external voice providers", async () => {
+    const runtime = await createVoiceCallRuntime({
+      config: createExternalProviderConfig({
+        provider: "twilio",
+        publicUrl: "https://voice.example.com/voice/webhook",
+      }),
+      coreConfig: {} as CoreConfig,
+      agentRuntime: {} as never,
+    });
+
+    expect(runtime.webhookUrl).toBe("https://voice.example.com/voice/webhook");
+    expect(runtime.publicUrl).toBe("https://voice.example.com/voice/webhook");
+
+    await runtime.stop();
+  });
+
   it("wires the shared realtime agent consult tool and handler", async () => {
     const config = createBaseConfig();
     config.inboundPolicy = "allowlist";
diff --git a/extensions/voice-call/src/runtime.ts b/extensions/voice-call/src/runtime.ts
index 4b1fb181f85..eb509a40d20 100644
--- a/extensions/voice-call/src/runtime.ts
+++ b/extensions/voice-call/src/runtime.ts
@@ -158,6 +158,40 @@ function isLoopbackBind(bind: string | undefined): boolean {
   return bind === "127.0.0.1" || bind === "::1" || bind === "localhost";
 }
 
+function providerRequiresPublicWebhook(providerName: VoiceCallProvider["name"]): boolean {
+  return providerName === "twilio" || providerName === "telnyx" || providerName === "plivo";
+}
+
+function isLocalOnlyWebhookHost(hostname: string): boolean {
+  const host = hostname.trim().toLowerCase();
+  if (!host) {
+    return false;
+  }
+  if (
+    host === "localhost" ||
+    host === "0.0.0.0" ||
+    host === "::" ||
+    host === "::1" ||
+    host.startsWith("127.")
+  ) {
+    return true;
+  }
+  if (host.startsWith("10.") || host.startsWith("192.168.") || host.startsWith("169.254.")) {
+    return true;
+  }
+  const private172 = /^172\.(1[6-9]|2\d|3[0-1])\./.test(host);
+  return private172 || host.startsWith("fc") || host.startsWith("fd");
+}
+
+function isProviderUnreachableWebhookUrl(webhookUrl: string): boolean {
+  try {
+    const parsed = new URL(webhookUrl);
+    return isLocalOnlyWebhookHost(parsed.hostname);
+  } catch {
+    return false;
+  }
+}
+
 async function resolveProvider(config: VoiceCallConfig): Promise<VoiceCallProvider> {
   const allowNgrokFreeTierLoopbackBypass =
     config.tunnel?.provider === "ngrok" &&
@@ -376,6 +410,17 @@ export async function createVoiceCallRuntime(params: {
 
     const webhookUrl = publicUrl ?? localUrl;
 
+    if (
+      providerRequiresPublicWebhook(provider.name) &&
+      isProviderUnreachableWebhookUrl(webhookUrl)
+    ) {
+      throw new Error(
+        `[voice-call] ${provider.name} requires a publicly reachable webhook URL. ` +
+          `Refusing to use local-only webhook ${webhookUrl}. ` +
+          "Set plugins.entries.voice-call.config.publicUrl or enable tunnel/tailscale exposure.",
+      );
+    }
+
     if (publicUrl && provider.name === "twilio") {
       (provider as TwilioProvider).setPublicUrl(publicUrl);
     }