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Changing/Adding Payment Processors

Changing/Adding Payment Processors

When swapping out your current processor for another there are several factors to consider.

Replace or add?  


While some processors provide global coverage other processors specialize in specific geographic regions or market verticals.  You may find it advantageous to use different payment processors depending on the region, currency or service offered. 


Instead of simply replacing your existing processor, consider adding an additional processor(s) to more specifically meet your business needs and goals.

What payment options do you offer?  

While almost all processors support basic credit card processing some support an array of other payment options as well.  You’ll want to ensure that your new processor supports not only the payment offers you currently use but also supports any additional payment options you may be thinking of adding in the future.

Gateway vs Processor  

Do you currently use a payment gateway or a payment processor?  A payment processor works with the acquiring and issuing banks to process and settle the payment.

A payment gateway sits between the payment processor and the merchant to process a payment request.

Using a payment gateway provides a level of flexibility to change the underlying payment processor without impacts to your front end systems and can sometimes provide additional payment options not available directly from your payment processor.

Depending on your needs and volume, using a payment gateway may be a more expensive option than using a payment processor directly but may also reduce costs associated with future changes while providing additional payment options.

When making your decision regarding a new processor or gateway check with your Vindicia representative or send us an email at  We can help you with recommendations and connect you with representatives of the processor of your choice.

How to test/What to test  

Once you’ve selected your processor (or gateway) you’ll want to do some testing.  Depending on the processor or gateway you have selected you may need to tweak your integration to Vindicia systems as some processors have specific requirements that may necessitate changes to how you are using Vindicia APIs.  

Either way, you’ll want to do some testing in your test environment first before moving into production.  We recommend you build a full suite of test cases including but not necessarily limited to:

  • Stand-alone payment method validation 
  • Initial subscription purchase with a payment
  • Initial subscription purchase with free trial conversion
  • Subscription renewal purchase
  • Subscription Cancelation
  • Subscription upgrade/downgrade
  • One-time purchase
  • Partial Refund
  • Full Refund
  • Adding a new card
  • Changing cards 

Essentially every scenario where the new processor comes into play.  If you are adding a new processor and not simply replacing your existing processor then the list of use cases is likely to increase as you’ll want to test to ensure transactions will be routed to the correct processor.  In this case, add to the list above a test case for each routing criteria.  For example, if routing is currency based, add a test case for each acceptable currency.  If routing is card-based, add a test case for each acceptable card brand etc.

You’ll need Vindicia to activate the new processor and routing rules (if any) in your test environment.  To do this send an email to explaining the change you want to make, e.g change processor from Processor-A to Processor-B, or adding Processor-B.  Be sure to include the credentials for the new processor as well as the criteria for routing transactions (when adding a processor).  Vindicia will make the configuration changes for you in your test environment.  When your testing is complete you can notify Vindicia again and we will make the necessary changes to your production environment as well.

As an alternative to a DIY effort, Vindicia can work with your technical team to configure and test your processor changes to help ensure timely completion.  Contact your Vindicia representative or send an email to for more information on the cost of this service.


Not all payment processors are created equal. When you change or add a processor, don’t expect your payment success rates to stay the same.  They will go up or down depending on the processor and their relationship with and response to the information provided by the issuing bank.  Payment success rates are also impacted by service type, geographic region and price point.  If you are changing or introducing new pricing elements in parallel to changing your processor that may further impact your payment success rates.

You will likely also see a change in your renewal rates and by extension a change in your rate of passive churn.  These rates may increase or decrease, again, depending on the processor you have selected.

You will want to closely monitor both your conversion rates as well as your renewal rates for several weeks if not months to ensure the change in payment processor has not adversely impacted either your conversion rate or your renewal rate.

If you’re unsure how to do this, contact your Vindicia representative or drop us a line at and we’d be happy to provide you with some strategies in this area.


When selecting or adding a new processor there are a few other factors you may want to consider.

Account Updater 

This is a service offered by payment processors that allows Vindicia to receive updated credit card information on your subscribers.  For example, if a user's credit card has reached its expiry date and the user has been issued a new card, Vindicia can be automatically notified of that change.

The Account Updater service is critical in helping Vindicia fight passive churn on your behalf.  If you are using this service today you’ll want to check with your new processor to ensure that service is offered by them as well.  Likewise, if your current processor does not offer this service you’ll want to consider selecting a processor that does when changing out your processor. 

If your new processor is not supporting AU, Vindicia also offers a AU service.  Vindicia’s AU may not be as robust as the AU offered by some processors.  For more information on Vindicia’s AU service contact your Vindicia representative or send us an email at


Vindicia routinely monitors your chargeback rate and, optionally, will also fight chargebacks on your behalf.  Some processors offer an automated chargeback data feed.  This enables Vindicia to more closely monitor your chargeback rate and to more effectively fight chargebacks on your behalf.

Depending on your chargeback needs you’ll want to select a processor that has strong support for chargeback monitoring.

If you’re interested in learning more about what Vindicia can do to help fight and win your chargebacks please reach out to your Vindicia representative or send us an email at


The ability to refund users is often a critical step in maintaining customer satisfaction and avoiding unwanted chargebacks.  It’s not likely that your new processor will refund transactions captured and settled by your current processor.  For this reason, you will need to run your current processor and your new processor in parallel for some period of time.  How long depends on how far back you are willing to give a user a refund. 

The good news is that Vindicia will always issue the refund against the processor that processed the original transaction so you don’t have to figure out which processor should be used, Vindicia does that for you. 


Vindicia Retain provides a strong tool in the fight against passive churn using advanced techniques gleaned from our years of experience in the payment industry.  

Not all payment processors can support the techniques utilized by Vindicia Retain.  If you are using Vindicia Retain today you will want to select a payment processor that has the same level of support, if not greater support, as your current processor.

If you want to learn more about how Vindicia Retain can help you reduce passive churn please reach out to your Vindicia representative or drop us a line at

Vaulting Credit Cards

Payment Processors often support different options for providing the processor with the end-users’ payment information.  You can either have Vindicia vault the users credit card information and pass that to the payment processors or you can have the processor vault the credit card and provide Vindicia with a token.   Vindicia would then pass the token to the processor for each payment.

The difference lies in where the PCI burden rests and which entity will be responsible for AU.  If Vindicia does not have the full credit card information (Vindicia does not vault the card) then Vindicia cannot perform AU.  An inability to perform AU may impact your payment success and renewal rates.

If you are moving from a processor where Vindicia is vaulting the credit card to a processor where Vindicia will be given a token, or vice versa, you made need to do a migration to upload the credit card data into the Vindicia system or to generate tokens for the existing credit cards.  For more information on migration of payment information contact your Vindicia representative or send us an email at




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