Switching payment processors might sound like a risky move, especially if you’re worried about downtime, lost sales, or technical headaches. But it doesn’t have to be. With the right plan and partner, you can move to a better payments solution without interrupting your business.
At Clearly Payments, we’ve helped hundreds of merchants make the switch smoothly. Whether you’re chasing better rates, improved service, or more modern technology, here’s how to do it without missing a beat.
1. Know Why You’re Switching
Before you change anything, get clear on your reason for switching. Common motivations include:
- Lower processing fees
- Better customer support
- More reliable or faster payouts
- Advanced features (like recurring billing, terminals, or integrations)
- Compliance and security upgrades
Knowing what you want helps you find the right provider and build a transition plan that focuses on your priorities.
2. Get a Processor That Supports Migration
Not all payment processors are created equal. Look for a provider that:
- Offers hands-on support during onboarding
- Is compatible with your existing hardware and software
- Has experience migrating merchants with no downtime
Ask for references or case studies. A good processor will have a track record of smooth transitions.
3. Run Systems in Parallel
One of the best ways to avoid disruption is to run your current processor and new one in parallel for a short period. This gives you time to:
- Test the new system
- Train your team
- Ensure all integrations (e.g., website, POS, accounting) are working
- Start processing live transactions
Once you’re confident everything is working as expected, you can disable the old processor.
4. Time Your Transition Right
Choose a time to switch that works best for your business. For example:
- Avoid high-volume periods (like Black Friday or product launches)
- Switch mid-week when support is most available
- Do a soft launch after hours or during downtime
A well-timed switchover minimizes impact on both customers and staff.
5. Don’t Cancel Your Old Account Too Early
Make sure you’ve:
- Received your final deposits
- Settled all chargebacks and refunds
- Downloaded past statements
- Notified customers (if needed)
Only then should you cancel your old account. You don’t want to lose access to important data or face service interruptions from unresolved transactions.
6. Communicate With Your Team
Keep your staff in the loop. Provide clear instructions on:
- How to use the new terminals or software
- Where to go for support
- What to expect during the switch
The smoother the internal handoff, the better the experience for your customers.
7. Test Everything
Before going fully live, test every piece of the payment experience:
- In-store terminal transactions
- Online checkouts
- Refunds and partial refunds
- Receipt printing
- Settlement reports
This gives you confidence that everything works exactly as it should.
8. Leverage Support From Your New Provider
A great payments partner won’t just “set it and forget it.” At Clearly Payments, we stay involved during and after the transition to make sure:
- Your team feels supported
- Your business sees the benefits of switching quickly
- We’re optimizing for cost, performance, and customer experience
You’re never left in the dark.
Switch your processing to Clearly Payments
- Flexible and simple integration options
- Fast funding
- A full set of payment products to accept payment anytime, anywhere
- World-class customer service
