Switch credit card processors
Switching starts with your numbers.
Thinking of switching credit card processors? Bring a recent statement and tell us how you take payments. We look at what you pay today, then plan any move before it changes how you get paid.
Start your switch reviewSample data: a month’s processing statement. $1,392 in fees on $48,000 of volume across 410 payments, an effective rate of 2.90%.
Why review
Why businesses review their setup.
Businesses look again at their payment processor when the costs are hard to read, the way they sell has changed, or they need more from the tools.
The full cost
Rates, per-payment fees and other charges add up. Your effective rate puts them in one number.
How processing fees workHow you sell now
Invoices, bank payments and recurring billing may matter more than when you first set up.
The tools around it
Reports, deposits and customer records shape your day as much as the payment itself does.
What to bring
One recent statement is the place to start.
Your processing statement holds the numbers a review starts from. Bring the most recent full month you have.
Monthly volume
The total you processed in the month, across card and bank payments.
Fees paid
Every fee on the statement, per-payment fees and monthly charges included.
Transaction mix
How many payments you took, how large they were and how customers paid.
Know your payment costs
What are payments
costing you today?
A headline rate tells only part of the story. Enter what you process and what you pay to see your real cost.
Your effective rate is your total processing fees divided by your sales volume: every fee, in one percentage.
Put your numbers in perspective.
Your payment snapshotBased on your inputs and a constant monthly volume. This is a cost illustration, not a savings estimate or pricing quote.
Review these numbers with usA practical next step
Review, set up, then transition.
Switching processors takes three steps, starting with your numbers, and your current setup stays in place until you are ready to move.
Review your numbers.
Share a recent statement, and tell us how you sell and how you take payments.
Set up what fits.
Compare the payment options and platform requirements, then set up the tools you choose.
Plan the transition.
Work through the setup and the transition before you change the way you get paid today.
What to plan for
Recurring customers need their own review.
Recurring payment migration needs its own review. Platform rules, payment tokens and the existing billing setup can affect what can move and how.
Recurring payments
List each customer you bill on a schedule, with the amount and the next date, before you plan a move.
Saved payment details
Card and bank details saved with your current provider may not move with you. That needs its own review.
Your current setup
Keep your existing workflow running until the new setup is ready and the transition is planned.
Good questions. Clear answers.
Switching questions.
How do I switch credit card processors?
Start with a recent processing statement. Review what you pay and how you take payments, set up the payment tools that fit, then plan the transition, recurring customers included, before you change your current setup.
Will my current processor charge me to leave?
That depends on your current agreement. Some processor contracts carry an early termination fee or a notice period, so check your agreement before you plan the move.
What are the agreement and setup terms with SU Payments?
SU Payments uses a one-year agreement with a $35 early termination fee. Most businesses pay no setup fee, and larger implementations are quoted upfront, before you sign.
What is an effective rate?
Your effective rate is your total processing fees divided by your total sales volume, shown as a percentage. It counts every fee, not just the headline rate, which makes it the clearest way to compare what you pay.
Will switching automatically save me money?
Not automatically. Savings depend on your current pricing, transaction mix, volume and the proposed payment terms, so a fair comparison uses the full cost of processing. The calculator on this page illustrates your current cost; it is not a savings guarantee or a rate quote.
What happens to my existing subscriptions?
Moving recurring payments needs its own review. Platform rules, payment tokens and your existing billing setup can affect what can move and how, so plan the transition before you change your current payment workflow.
