## Processors who support credit cards - [Adyen](https://help.chargeover.com/docs/getting-paid/payment-processors/adyen/#docusaurus_skipToContent_fallback) - [American Express Direct](https://help.chargeover.com/docs/getting-paid/payment-processors/american-express-amex/) - [Authorize.net](https://help.chargeover.com/docs/getting-paid/payment-processors/authorize-net/#docusaurus_skipToContent_fallback) - [BaseCommerce](https://help.chargeover.com/docs/getting-paid/payment-processors/base-commerce/#docusaurus_skipToContent_fallback) - [BlueSnap](https://help.chargeover.com/docs/getting-paid/payment-processors/bluesnap/#docusaurus_skipToContent_fallback) - [BPoint](https://help.chargeover.com/docs/getting-paid/payment-processors/bpoint/#docusaurus_skipToContent_fallback) - [Braintree](https://help.chargeover.com/docs/getting-paid/payment-processors/braintree/#docusaurus_skipToContent_fallback) - [CardPointe](https://help.chargeover.com/docs/getting-paid/payment-processors/cardpointe/#docusaurus_skipToContent_fallback) - [Clover Connect](https://help.chargeover.com/docs/getting-paid/payment-processors/clover/#docusaurus_skipToContent_fallback) - [Converge](https://help.chargeover.com/docs/getting-paid/payment-processors/converge/#docusaurus_skipToContent_fallback) - [Cybersource](https://help.chargeover.com/docs/getting-paid/payment-processors/cybersource/#docusaurus_skipToContent_fallback) - Ematters - [Eway](https://help.chargeover.com/docs/getting-paid/payment-processors/eway/#docusaurus_skipToContent_fallback) - [Forte](https://help.chargeover.com/docs/getting-paid/payment-processors/forte/#docusaurus_skipToContent_fallback) - [Heartland (Bolletta)](https://help.chargeover.com/docs/getting-paid/payment-processors/heartland-payment-systems/#connect-bolleta) - [Heartland (Secure Submit)](https://help.chargeover.com/docs/getting-paid/payment-processors/heartland-payment-systems/#connect-secure-submit) - [Moneris](https://help.chargeover.com/docs/getting-paid/payment-processors/moneris/#docusaurus_skipToContent_fallback) - NetBilling - [Network Merchants](https://help.chargeover.com/docs/getting-paid/payment-processors/network-merchants-nmi/#docusaurus_skipToContent_fallback) - [Nuvei](https://help.chargeover.com/docs/getting-paid/payment-processors/nuvei/#docusaurus_skipToContent_fallback) - [Paya](https://help.chargeover.com/docs/getting-paid/payment-processors/paya/#docusaurus_skipToContent_fallback) - [Payeezy](https://help.chargeover.com/docs/getting-paid/payment-processors/payeezy/#docusaurus_skipToContent_fallback) - [Payflow Pro](https://help.chargeover.com/docs/getting-paid/payment-processors/payflow-pro/) - [PayPal](https://help.chargeover.com/docs/getting-paid/payment-processors/paypal/) - PaySafe - Pin Payments - PrismPay - [Quantum](https://help.chargeover.com/docs/getting-paid/payment-processors/quantum-electronic-payments/#docusaurus_skipToContent_fallback) - [QuickBooks Payments](https://help.chargeover.com/docs/getting-paid/payment-processors/quickbooks-payments/#docusaurus_skipToContent_fallback) - [Stripe](https://help.chargeover.com/docs/getting-paid/payment-processors/stripe/#docusaurus_skipToContent_fallback) - [USA ePay](https://help.chargeover.com/docs/getting-paid/payment-processors/usaepay/#docusaurus_skipToContent_fallback) - [Windcave](https://www.windcave.com/) - [Worldline](https://help.chargeover.com/docs/getting-paid/payment-processors/worldline/#docusaurus_skipToContent_fallback) - XCharge ## Processors who support ACH (USA) - [Authorize.net](https://help.chargeover.com/docs/getting-paid/payment-processors/authorize-net/#docusaurus_skipToContent_fallback) - [Actum](https://help.chargeover.com/docs/getting-paid/payment-processors/actum/#docusaurus_skipToContent_fallback) - [BaseCommerce](https://help.chargeover.com/docs/getting-paid/payment-processors/base-commerce/#docusaurus_skipToContent_fallback) - [BlueSnap](https://help.chargeover.com/docs/getting-paid/payment-processors/bluesnap/#docusaurus_skipToContent_fallback) - [Bank of Montreal](https://help.chargeover.com/docs/getting-paid/payment-processors/bank-of-montreal/) - [CardPointe](https://help.chargeover.com/docs/getting-paid/payment-processors/cardpointe/#docusaurus_skipToContent_fallback) - [Cliq](https://help.chargeover.com/docs/getting-paid/payment-processors/cliq/) - [Clover Connect](https://help.chargeover.com/docs/getting-paid/payment-processors/clover/#docusaurus_skipToContent_fallback) - [Converge](https://help.chargeover.com/docs/getting-paid/payment-processors/converge/#docusaurus_skipToContent_fallback) - [Forte](https://help.chargeover.com/docs/getting-paid/payment-processors/forte/#docusaurus_skipToContent_fallback) - [Green.Money](https://help.chargeover.com/docs/getting-paid/payment-processors/green-money/#docusaurus_skipToContent_fallback) - [National Processing](https://help.chargeover.com/docs/getting-paid/payment-processors/national-processing/) - [Network Merchants](https://help.chargeover.com/docs/getting-paid/payment-processors/network-merchants-nmi/#docusaurus_skipToContent_fallback) - [Paya](https://help.chargeover.com/docs/getting-paid/payment-processors/paya/#docusaurus_skipToContent_fallback) - [Payeezy](https://help.chargeover.com/docs/getting-paid/payment-processors/payeezy/#docusaurus_skipToContent_fallback) - [PayPal](https://help.chargeover.com/docs/getting-paid/payment-processors/paypal/) - PaySafe - PrismPay - [Rotessa](https://help.chargeover.com/docs/getting-paid/payment-processors/rotessa/) - [SeamlessChex](https://help.chargeover.com/docs/getting-paid/payment-processors/seamlesschex/) - [Stripe](https://help.chargeover.com/docs/getting-paid/payment-processors/stripe/#docusaurus_skipToContent_fallback) - [USA ePay](https://help.chargeover.com/docs/getting-paid/payment-processors/usaepay/#docusaurus_skipToContent_fallback) - [Worldline](https://help.chargeover.com/docs/getting-paid/payment-processors/worldline/#docusaurus_skipToContent_fallback) ## Processors who support direct debit or PAD (Canada) - [Bank of Montreal](https://help.chargeover.com/docs/getting-paid/payment-processors/bank-of-montreal/) - [Forte](https://help.chargeover.com/docs/getting-paid/payment-processors/forte/#docusaurus_skipToContent_fallback) - [Rotessa](https://help.chargeover.com/docs/getting-paid/payment-processors/rotessa/) - [Stripe](https://help.chargeover.com/docs/getting-paid/payment-processors/stripe/#docusaurus_skipToContent_fallback) ## Processors who support direct debit (Australia) - [ANZ Bank](https://help.chargeover.com/docs/getting-paid/payment-processors/anz-fileactive/#docusaurus_skipToContent_fallback) - [Commbiz](https://www.commbank.com.au/business/online-banking/commbiz.html) - [Stripe](https://help.chargeover.com/docs/getting-paid/payment-processors/stripe/#docusaurus_skipToContent_fallback) ## Processors who support pre-authorizations - [Authorize.net](https://help.chargeover.com/docs/getting-paid/payment-processors/authorize-net/#docusaurus_skipToContent_fallback) - [BPoint](https://help.chargeover.com/docs/getting-paid/payment-processors/bpoint/#docusaurus_skipToContent_fallback) - [Braintree](https://help.chargeover.com/docs/getting-paid/payment-processors/braintree/#docusaurus_skipToContent_fallback) - [Converge](https://help.chargeover.com/docs/getting-paid/payment-processors/converge/#docusaurus_skipToContent_fallback) - [Eway](https://help.chargeover.com/docs/getting-paid/payment-processors/eway/#docusaurus_skipToContent_fallback) - [Forte](https://help.chargeover.com/docs/getting-paid/payment-processors/forte/#docusaurus_skipToContent_fallback) - [Network Merchants](https://help.chargeover.com/docs/getting-paid/payment-processors/network-merchants-nmi/#docusaurus_skipToContent_fallback) - [Payeezy](https://help.chargeover.com/docs/getting-paid/payment-processors/payeezy/#docusaurus_skipToContent_fallback) - [Payflow Pro](https://help.chargeover.com/docs/getting-paid/payment-processors/payflow-pro/) - PIN Payments - Prism Pay - [QuickBooks Payments](https://help.chargeover.com/docs/getting-paid/payment-processors/quickbooks-payments/#docusaurus_skipToContent_fallback) - [Stripe](https://help.chargeover.com/docs/getting-paid/payment-processors/stripe/#docusaurus_skipToContent_fallback) - [Worldline](https://help.chargeover.com/docs/getting-paid/payment-processors/worldline/#docusaurus_skipToContent_fallback) ## I want to switch payment processors Finding a payment processor that is the right fit for you and your company can be hard! If you are planning to switch processors, reach out to support@chargeover.com first, so that we can help make sure the switch is seemless. ### Important things to know - You might see higher-than-normal decline rates for a couple of months (especially if you’re in Canada) - Many Canadian gateways require the CVV code on the first payment, so since ChargeOver does not store those, migrating will cause high decline rates - If you have been tokenizing your payment methods with your current payment processor, the process to switch to a new processor will be more complicated. Reach out to support@chargeover.com for guidance and next steps ### Steps to switch payment processors if you have tokenized payment methods If you have tokenized payment methods with your old processor, then you will need our help to make sure that the transition is smooth. You will need to initiate a token transfer with your old processor and the new processor and then notify us so we can delete the old tokens from your account and assign the new ones to your customers who are on auto-pay. This process may take multiple weeks depending on the repsonsiveness and cooperation of the processors you are working with. 1. Notify ChargeOver that you are wanting to switch processors 2. Notify your current processor that you would like a raw data transfer of all of your payment methods to your new processor. Then you will have to wait until this has been completed before the next step 3. Once your new processor has all the raw data and has tokenized the data in their own system, let ChargeOver know 4. The ChargeOver team will then import all of the new data securely into your account 5. You should run a test transaction through your new processor, to make sure that each type of payment type can process successfully. Make sure to run a test transaction with a new payment method and with a payment method already on file in your ChargeOver account. Make sure that you see the transaction in your new processor account for both transactions. ### Steps to switch payment processors if you don't have tokenized payment methods enabled 1. Notify ChargeOver that you are wanting to switch processors 2. Notify your current processor that you won't be using them anymore 3. Get your new processor account set up 4. Search our Help documentation for steps on how to connect your new processor to ChargeOver 5. Once you are connected, you should run a test transaction through your new processor, to make sure that each type of payment type can process successfully. Make sure to run a test transaction with a new payment method and with a payment method already on file in your ChargeOver account. Make sure that you see the transaction in your new processor account for both transactions. ## Enable Tokenization ### Overview Some merchants may wish to have cards tokenized with the payment processor, instead of stored directly inside of ChargeOver. Make sure you have a payment processor enabled, then you can enable tokenization in ChargeOver. ### Steps to Enable 1. Go to your **Settings** then select ==Payment Processing== ![](./a1-pay-1ck.jpg) 2. Search the payment processor you want and ==Connect== 3. Scroll down and find the list of Payment Methods. Click ==More Options== ![](./authorize-opti-7fy.jpg) 4. Find the tokenization enablement option. Select ==Yes== from the drop down ![](./token-yes-u4q.jpg) 5. ==Save== your changes :::note Not all gateways support tokenization. ::: ### Processors who support tokenization These processors support charging a previously tokenized payment method. - [Authorize.net](https://help.chargeover.com/docs/getting-paid/payment-processors/authorize-net/#docusaurus_skipToContent_fallback) - [BlueSnap](https://help.chargeover.com/docs/getting-paid/payment-processors/bluesnap/#docusaurus_skipToContent_fallback) - [BPoint](https://help.chargeover.com/docs/getting-paid/payment-processors/bpoint/#docusaurus_skipToContent_fallback) - [Braintree](https://help.chargeover.com/docs/getting-paid/payment-processors/braintree/#docusaurus_skipToContent_fallback) - [CardPointe](https://help.chargeover.com/docs/getting-paid/payment-processors/cardpointe/#docusaurus_skipToContent_fallback) - [Converge](https://help.chargeover.com/docs/getting-paid/payment-processors/converge/#docusaurus_skipToContent_fallback) - [Cybersource](https://help.chargeover.com/docs/getting-paid/payment-processors/cybersource/#docusaurus_skipToContent_fallback) - [Nuvei](https://help.chargeover.com/docs/getting-paid/payment-processors/nuvei/#docusaurus_skipToContent_fallback) - [Payeezy](https://help.chargeover.com/docs/getting-paid/payment-processors/payeezy/#docusaurus_skipToContent_fallback) - Netbilling - [Paya](https://help.chargeover.com/docs/getting-paid/payment-processors/paya/#docusaurus_skipToContent_fallback) - Payment Express - [Stripe](https://help.chargeover.com/docs/getting-paid/payment-processors/stripe/#docusaurus_skipToContent_fallback) - [Worldline](https://help.chargeover.com/docs/getting-paid/payment-processors/worldline/#docusaurus_skipToContent_fallback) These processors support tokenizing a card with them. - [Authorize.net](https://help.chargeover.com/docs/getting-paid/payment-processors/authorize-net/#docusaurus_skipToContent_fallback) - [BlueSnap](https://help.chargeover.com/docs/getting-paid/payment-processors/bluesnap/#docusaurus_skipToContent_fallback) - [BPoint](https://help.chargeover.com/docs/getting-paid/payment-processors/bpoint/#docusaurus_skipToContent_fallback) - [Braintree](https://help.chargeover.com/docs/getting-paid/payment-processors/braintree/#docusaurus_skipToContent_fallback) - [CardPointe](https://help.chargeover.com/docs/getting-paid/payment-processors/cardpointe/#docusaurus_skipToContent_fallback) - [Converge](https://help.chargeover.com/docs/getting-paid/payment-processors/converge/#docusaurus_skipToContent_fallback) - [Cybersource](https://help.chargeover.com/docs/getting-paid/payment-processors/cybersource/#docusaurus_skipToContent_fallback) - [Nuvei](https://help.chargeover.com/docs/getting-paid/payment-processors/nuvei/#docusaurus_skipToContent_fallback) - NetBilling - [Paya](https://help.chargeover.com/docs/getting-paid/payment-processors/paya/#docusaurus_skipToContent_fallback) - [Payeezy](https://help.chargeover.com/docs/getting-paid/payment-processors/payeezy/#docusaurus_skipToContent_fallback) - [Stripe](https://help.chargeover.com/docs/getting-paid/payment-processors/stripe/#docusaurus_skipToContent_fallback) - [Windcave](https://www.windcave.com/) - [Worldline](https://help.chargeover.com/docs/getting-paid/payment-processors/worldline/#docusaurus_skipToContent_fallback) ### Add a tokenized payment method If you have an existing token/tokenized payment method from your gateway, you can add that in ChargeOver and use that as if it were a credit card. 1. Go to the customer and to the **Payment Methods** tab 2. Click the ==Adding Tokenized Pay Method== button 3. Enter the token from the payment processor in the **Token** field, along with any supporting data 4. Click the ==Save== button ### Delete a tokenized payment method 1. Go to the customer and under the tab Payment Methods you can select the tokenized payment method 2. Select the three vertical dots 3. Click ==Delete Token== ![](./delete-tokenization-qdg.png)