Payments · Info Products7 min readUpdated November 3, 2026

Switching Payment Processor for Info Product Businesses Without Losing Cards

How course and coaching sellers move saved cards, memberships and payment plans to a new processor: what moves, what doesn't, steps and timing.

Nick Bonnassies, CMO at Tagada · checked against 11 sources

Article summary

TL;DR

Check who holds your cards. In your own Stripe account, Stripe can send an encrypted export to a PCI DSS Level 1 processor; in a course platform's payments, ask the platform. Memberships and payment plans don't move by themselves: rebuild them with the same dates and installments, run both processors for a cycle, and keep the old account for disputes.

Stripe sends card data only to "another PCI DSS Level 1-compliant payment processor", without payment history or subscriptions (read November 2, 2026).
Kajabi migrates Stripe subscriptions into Kajabi Payments without card re-entry, but skips paused, past-due and PayPal subscriptions.
On a payment plan, Kajabi carries over only the remaining installments: "1 of 2" paid becomes 1 left.
One course platform warns that subscriptions on a proprietary gateway "cannot be transferred via automated tokens" (November 2026).
Cardholders can generally dispute for up to 120 days at Stripe: keep the old account open.

Want to go further? Ask

On this page

This guide is part of our hub on info product payment processing. The general guide, for any business: how to switch payment processors.

First question: who holds your cards?

Course sellers often switch platform and processor at the same time. What you can move depends on where the cards were saved.

Your setup	What you can do
Your own Stripe account, connected to the course platform	Ask Stripe for a card export to the new processor1; or keep Stripe and just change the platform
Moving into a platform's built-in payments (example: Kajabi Payments)	Platform migration tool, with its exclusions2
Leaving a platform's built-in payments	Ask the platform whether it exports cards. Without an export, members re-subscribe on your new checkout3
PayPal subscriptions	Not migrable to Kajabi Payments2; plan on re-subscription

Fig. 1Where your cards are saved decides what moves

Who holds your cards?Course platform, processor, or both

Your own Stripe accountCard export to the new processor, or keep Stripe
Moving into platform paymentsMigration tool, with its exclusions
Leaving platform paymentsAsk for an export; without one, members re-subscribe
PayPal subscriptionsNot migrable to Kajabi Payments

Ask this before you plan anything else.

Stripe Docs, Request a payment data export; Kajabi Help Center; Ruzuku, November 2026.

Why course sellers switch: an account closed or under review, reserves, platform fees, or a processor that won't support a new offer. Stripe doesn't name courses or coaching in its restricted list; what it prohibits is the promise, such as "get rich quick" schemes8. If Stripe closed your account: why Stripe closed your info product business account.

What moves and what doesn't

Data	Moves?	How
Card numbers and expiry dates	YesFrom Stripe	Encrypted export to a PCI DSS Level 1 processor1
Emails and metadata	YesFrom Stripe	Same file1
Cards saved with Link	No	Excluded by Stripe1; not supported by Kajabi Payments either2
Memberships, plans, next charge dates	No	Rebuild from your own export1
Payment history	No	Pull it from the dashboard or API1
Payment-plan agreements and consent records	Not payment data	Keep them yourself4 9
Course access and progress	Not payment data	Map accounts between platforms
Disputes on past sales	No	Stay with the old processor7

Fig. 2Old processor to new: what goes, what you rebuild, what stays

Goes with the card export
Card numbers and expiry dates, emails and metadata, from Stripe, in an encrypted file.
You rebuild
Memberships, plans and next charge dates; payment history from the dashboard or API; course access mapped between platforms.
Stays with you or the old processor
Cards saved with Link; payment-plan agreements and consent records; disputes on past sales.

Cards travel. Plans, counts and agreements don't.

Stripe Docs, Request a payment data export and How disputes work; Kajabi Help Center; Visa Core Rules, October 24, 2026.

Payment plans and memberships in flight

A student halfway through a 6-installment plan is the hardest case. The card moves; the plan, the count and the agreement don't.

Recreate only what's left. Kajabi's tool does the same: remaining installments only2.
Keep the original agreement. Visa requires express consent to an agreement with the total price, schedule, cancellation and refund policy before storing the card for installments4. It's your proof if a student disputes a later installment.
Keep the same dates and amounts. A changed date or amount is a new term, and a new reason to dispute.
Don't restart trials on memberships you move.
Flag the charges correctly on the new processor: installment or recurring indicator4.

California also requires keeping proof of renewal consent for 3 years on contracts since July 1, 20259.

The switch, step by step

Open and test the new account. It runs its own review of your offers and sales pages.
Request the card export, naming the new processor. Stripe asks for its PCI attestation and a PGP key of 4,096 bits or more1.
Export plans yourself: member, price, cycle, next charge date, installments left, discount, status.
Map students between the card export, your plan list and course accounts, by customer ID and email.
Rebuild memberships and plans with the same dates and prices.
Rewire access: the new processor's payment events must grant, pause and restore course access. Test with a failed payment before go-live.
Run both in parallel for one full billing cycle6: new buyers on the new processor, existing ones moving as cards land.
Watch failures for 30 days after cutover6.
Keep the old account open for refunds and disputes on past sales7.

In this order: the card export and the parallel run take the longest.

How long it takes

Stage	Typical time
New account review	Days to weeks, depending on the processor
Card export and import	3 to 4 weeks at least, per one PSP (Razorpay)5
Parallel run	One full billing cycle6
Old account open for disputes	Up to 120 days at Stripe, generally7

Fig. 3A processor switch, from review to the last dispute

Account reviewDays to weeks, by processor
Card export and import3 to 4 weeks at least, per one PSP
Parallel runOne full billing cycle
After cutoverWatch failures for 30 days
Old accountOpen for disputes, up to 120 days at Stripe

The old account stays open long after the new one runs.

Razorpay, payment processing migration checklist; Shuttle Global; Stripe Docs, How disputes work.

Watch out

A long coaching program can be disputed months after the sale. Visa's "not received" window runs 120 days from the date the service was expected, up to 540 days4. Keep access to the old account's dispute tools for as long as programs sold there are running.

Students, descriptor and retries

Descriptor. A new name on the statement creates "I don't recognize this" disputes. Keep your brand name.
Tell students before the next charge if the statement name or date changes.
Retries. Installments that fail during the move follow Visa's limits: never after a category 1 code, up to 20 attempts in 30 days otherwise4. Don't retry the same installment on both processors.
One charge, one processor. Mark migrated plans on the old system so nothing charges twice.

Tagada follows Visa and Mastercard rules and the laws that apply to payments.

Better than a switch: a second processor

A switch moves all your risk from one processor to another. A second processor behind the same checkout lets you shift new sales when one slows down, without a migration. Plan it while things are calm:

Know where your cards live and whether more than one processor can use them.
Keep your own records of plans, dates, prices and consent.
Keep disputes low on both accounts: chargeback alerts for info product businesses.

Fig. 4Two processors behind one checkout

If one processor is down or times out, the next takes the payment. A bank decline stays a decline.

Illustrative example.

Setup and fallback rules: payment routing and backup processors for info product businesses.

How Tagada helps

A vault you own, before you need to switch

TagadaPay keeps cards and subscriptions outside any single processor. "If you sell something real, we will get you paid." "Live in 24h. You own your vault."11

"Your PCI-tokenized cards, your customer profiles, your subscription data, all portable."11
"Switch processors without re-onboarding customers. No vendor lock-in. Ever."11
"Export your vault, cards, and customers anytime."11
"Already on Stripe, NMI or Airwallex? We orchestrate those too."11
Payment events such as subscription/pastDue, subscription/canceled and order/refunded, to drive course access during and after the move10.

Apply today · Go live in under 24 hours

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A vault you own, before you need to switch

Updated on November 3, 2026

Nick Bonnassies

CMO at Tagada

CMO at Tagada. Before Tagada, Nick built direct-to-consumer brands that generated over $115M in sales, raised over $25M in crowdfunding and sold two of them. He also works as a fractional CMO on marketing operations and AI systems.

Frequently asked questions

Can I move my students' saved cards to a new processor?

Yes, if they're in your own Stripe account. Stripe prepares an encrypted export of card details, emails and metadata for a PCI DSS Level 1 processor. Cards saved with Link are excluded. If a course platform's built-in payments hold them, ask the platform whether it exports cards.

Do memberships transfer when I leave Teachable or Kajabi?

Not by themselves. Subscriptions on a proprietary gateway "cannot be transferred via automated tokens", per one course platform, and Stripe doesn't export subscriptions either. Without a card export, members re-subscribe on your new checkout.

What happens to payment plans when I switch processors?

You recreate the remaining installments on the new system with the same dates and amounts, as Kajabi's own tool does. Keep the agreement the student accepted: Visa requires it for installments, and it's your evidence if a later installment is disputed.

How long does a processor switch take?

Plan for several weeks. One PSP says card transfers take 3 to 4 weeks at least, and you should run both processors for a full billing cycle. Keep the old account open about 120 days for disputes, longer for coaching programs still running.

Sources

Checked November 3, 2026

TagadaPay

Change processor without losing a student mid-plan

Tell us what you sell and how you sell it. Each application is underwritten, and approval is not guaranteed.

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01Tell us what you sell and how
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03Process through TagadaPay alongside your other processors