Saved Payment Methods and Processor Migration

Inventory the saved payment relationships

List the gateway or platform where saved methods are stored, the checkout flows that use them, and any subscriptions or invoices attached to those records. Ask both providers whether a supported transfer is available and which types of payment profiles it covers. Saved-method references can be specific to a provider or account.

Use the provider-approved transfer or update process

Assign one team to coordinate the transition and agree which dates the old and new systems can charge. For methods that require customer action, use the new provider’s secure update flow and give customers clear instructions. PCI SSC prohibits storing card verification codes after authorization.

Check scheduled charges before enabling them

• Match each migrated or reauthorized payment method to the intended customer record.
• Check the billing date, amount, currency, and status for pending renewals.
• Compare both providers’ records after the first billing cycle and resolve duplicates or missing payments.