Tagada
Payments · Supplements4 min readUpdated October 26, 2026

Switching Payment Processor for Supplement Brands Without Losing Cards

How a supplement brand moves saved cards and subscriptions to a new processor: what transfers, the PCI rules, step-by-step migration, and after a closure.

Nick Bonnassies, CMO at Tagada · checked against 6 sources

Article summary

TL;DR

Saved cards can move: the old processor sends an encrypted export of card data to a new processor that is PCI DSS Level 1 certified. Subscriptions don't move with them, so you rebuild plans, prices and next charge dates on the new system. Start the export as early as possible, keep the old account open for refunds and disputes, and test charges before renewals run.

  • Stripe transfers card data only to "another PCI DSS Level 1-compliant payment processor".
  • Stripe's export includes card details, emails and metadata, but not subscriptions, payment history or Link cards.
  • "Each PSP issues its own token format", so tokens rarely move as-is; card data is re-tokenized on import.
  • Imports usually run through PGP-encrypted files.
  • After a Stripe risk action, payouts are typically paused for 120 days: plan the switch alongside it.
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On this page

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

What moves and what doesn't

DataMoves?How
Card numbers and expiry datesYesEncrypted export to a PCI DSS Level 1 processor1Stripe Docs, Request a payment data export, read October 26, 2026
Customer emails and metadataYesFrom StripeIn the same export1Stripe Docs, Request a payment data export, read October 26, 2026
Processor tokensNoRe-created by the new processor2Gr4vy, How to migrate stored card data between payment providers, December 3, 2025
Wallet-saved credentials (Link)NoExcluded by Stripe1Stripe Docs, Request a payment data export, read October 26, 2026
Subscriptions and schedulesNoRebuild from your export1Stripe Docs, Request a payment data export, read October 26, 2026
Payment historyNoPull from the Dashboard or API1Stripe Docs, Request a payment data export, read October 26, 2026

Fig. 1Old processor to new: what crosses over

Moves in the encrypted export

  • Card numbers and expiry dates
  • Customer emails and metadata, from Stripe

Stays behind

  • Processor tokens, re-created by the new processor
  • Cards saved through Link
  • Subscriptions and schedules
  • Payment history

Cards travel in the export. Everything about the subscription is yours to rebuild.

Stripe Docs, Request a payment data export; Gr4vy, December 3, 2025.

The migration, step by step

  1. Choose the new processor and confirm it is PCI DSS Level 1 and accepts imports1Stripe Docs, Request a payment data export, read October 26, 20263Revolut Developers, Payment method migration, read October 26, 2026.
  2. Request the export from the old processor, naming the new one; Stripe asks for its attestation of compliance and PGP key1Stripe Docs, Request a payment data export, read October 26, 2026.
  3. Export subscriptions yourself: plan, price, cycle, next charge date, discount, status.
  4. Map customers between the export and your subscription list by customer ID and email.
  5. Rebuild subscriptions on the new system with the same dates and prices.
  6. Test a few real charges and one refund before renewals run.
  7. Switch renewals cycle by cycle; don't charge anyone twice.
  8. Keep the old account open for refunds and disputes on past charges.

Keep renewals on the old account, or paused, until the import is tested.

Watch out

A new processor name on the statement creates "I don't recognize this" disputes. Keep your brand in the descriptor, and tell subscribers before the next charge if it changes.

If you're switching after a closure

DayAction
0Read the notice; request the card export at once1Stripe Docs, Request a payment data export, read October 26, 2026
0 to 2Export subscriptions and history; apply to a new processor
3 to 14Import, rebuild, test; pause renewals you can't charge yet
Before renewalsEmail subscribers if the charge date or descriptor changes
OngoingAnswer disputes on the old account while funds are held4Stripe, Unacceptable Risk Policy, last updated July 29, 2026

Fig. 2Switching after a closure, day by day

  1. Day 0Read the notice; request the card export
  2. Days 0 to 2Export subscriptions and history; apply to a new processor
  3. Days 3 to 14Import, rebuild, test; pause renewals you can't charge yet
  4. Before renewalsEmail subscribers if the date or descriptor changes
  5. OngoingAnswer disputes on the old account

The card export is the slowest part. Ask for it on day 0.

Stripe Docs, payment data export, and Stripe Unacceptable Risk Policy.

Renewals that fail during the move follow normal retry limits: up to 15 reattempts in 30 days on Visa6Payway, Visa excessive reattempts rule and fees, read October 26, 2026 (secondary source). Notice rules still apply: for cycles of 6 months or less, Mastercard expects a notice before billing5Mastercard, Subscription/recurring payments and negative option billing merchants: FAQs, 2022.

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

After a Stripe closure: what to do next.

Keep it from happening again

Fig. 3Four habits that make the next switch easy

  1. Two processors

    Behind one checkout, so a closure moves volume instead of stopping it.

  2. Know where cards live

    And how they would move, before you need it.

  3. Your own records

    Plans, dates, prices and consent, kept outside the processor.

  4. Low disputes

    On both accounts, every month.

  • Two processors behind one checkout, so a closure moves volume instead of stopping it: payment routing.
  • Know where cards live and how they'd move, before you need it.
  • Keep your own subscription records: plans, dates, prices, consent.
  • Keep disputes low on both accounts: chargebacks for supplement brands.

How Tagada helps

Several processors behind one checkout, before you need to switch

  • Routing across Stripe, Adyen and TagadaPay with one logic, cascade on decline
  • Subscriptions with trials, billing cycles, retries and automatic recovery
  • TagadaPay lists "Supplements / nutra" among its industries; each file is underwritten, with enhanced review on regulated verticals
  • Checkout standalone, on Shopify, on WooCommerce or headless

Plans are on the pricing page.

Apply for processing
Several processors behind one checkout, before you need to switch

Updated on October 26, 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 customers' saved cards to a new processor?

Yes, usually. The old processor sends an encrypted export to a new processor that is PCI DSS Level 1 certified; Stripe requires the new processor's attestation and PGP key. Tokens themselves don't move; the new processor re-tokenizes.

Do subscriptions transfer when I change processor?

No. Stripe, for example, doesn't export subscriptions or payment history. Export them yourself and rebuild plans, prices and next charge dates on the new system before renewals run.

Will customers have to re-enter their card?

Not if the card export succeeds. Cards saved through Stripe's Link are excluded, and some may have expired, so plan a card update email for those.

How long does a processor migration take?

It depends on both processors and your data. Start the export on day one, and keep renewals paused or on the old account until the import is tested.

Sources

Checked October 26, 2026
  1. Stripe Docs, Request a payment data export, read October 26, 2026
  2. Gr4vy, How to migrate stored card data between payment providers, December 3, 2025
  3. Revolut Developers, Payment method migration, read October 26, 2026
  4. Stripe, Unacceptable Risk Policy, last updated July 29, 2026
  5. Mastercard, Subscription/recurring payments and negative option billing merchants: FAQs, 2022
  6. Payway, Visa excessive reattempts rule and fees, read October 26, 2026 (secondary source)

TagadaPay

Change processor without losing a subscriber

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

Apply for processingSee pricing
  1. 01Tell us what you sell and how
  2. 02Underwriting reviews your business
  3. 03Process through TagadaPay alongside your other processors