Highlights
- CEOs, CFOs, and founders switching payment processors from Stripe, Finix, Stax, or Worldpay often see the highest revenue share and payment monetization.
- Usio’s onboarding process is fast and seamless, allowing merchants to go live in weeks, not months.
- A powerful APIs for ACH, card payments, payouts, and disbursements gives you full control over your payment flows.
- Usio provides direct access to in-house developers and support, unlike most big-name processors.
- Partners gain a true financial partnership, not just a processor, unlocking hidden revenue streams.
It usually starts with a question?
You’re sitting in a boardroom with your leadership team, looking over last quarter’s numbers. Payment processing is one of your largest line items. Your customers are happy. Revenue is growing. But someone asks:
“Are we leaving money on the table with our current payment setup?”
If you’re like most CEOs or CFOs, you know the answer is probably yes.
This is the exact moment when many leaders start switching payment processors. They’ve outgrown the “one-size-fits-all” platforms like Stripe, Finix, Stax, or Worldpay. These providers served them well in the early days, but now they want more: more control, more revenue, and a true partnership.
The Hidden Cost
Most founders and finance leaders start their payment journey with a big-name providers like Stripe. But over time, the cracks show:
- Revenue share is limited or nonexistent. You’re sending millions through their rails, but they’re keeping almost all the upside.
- Support feels transactional. When you need help, you’re a ticket number, not a partner.
- Onboarding new merchants is slow and rigid. Your growth depends on their timeline.
That’s when leaders start asking themselves: “What if our payment partner actually shared the rewards?”
A Founder’s Story
Take Jason, a SaaS founder who built a scheduling platform and CRM for healthcare providers. In the early days, Stripe was perfect. His dev team could integrate quickly and get to market fast. But as his platform grew and more providers processed payments through his system, Jason realized the economics no longer made sense.
He was pushing millions in transactions through Stripe and seeing no revenue share. The platform fees and compliance costs were adding up, but his bottom line wasn’t improving.
After a conversation with another founder who’d already switched to Usio, Jason decided to make the move. Within weeks, his team was onboarding with Usio’s in-house developers. In less than a month, his merchants were live, and the payment monetization revenue started hitting his books.
His comment to me after six months was simple: “I wish we’d done this a year ago.”
Why Switch to Usio Embedded Payments
Usio was built to solve this exact problem. We know that scaling software companies need more than a processor; they need a partner who helps them monetize their payments. When you’re switching payment processors from Stripe, Finix, Stax, or Worldpay, three things happen:
- You start earning real revenue share. Many Usio partners see the highest returns on payment monetization compared to what they had before.
- Your onboarding accelerates. Usio’s in-house team handles underwriting, risk, and compliance, so you can get your merchants live fast.
- You gain control of the payment experience. With a powerful API for ACH and card payments, payouts, and disbursements, you can own your payment flow end-to-end.
The Payment Monetization Revenue Difference
Most executives I talk to underestimate just how much they can earn by switching payment processors. It’s common for SaaS platforms running $50 million in volume to add hundreds of thousands in high-margin revenue per year after moving to Usio.
Why? Because Usio was designed with revenue share at the center. While Stripe and others often reserve their best deals for the biggest players, Usio extends generous revenue share to mid-market companies that are actually driving innovation.
It’s not unusual to see partners who switch payment processors double or triple their payment monetization within the first year. That speaks volumes about both the quality of Usio’s economics and the speed of our onboarding.
Speed Without Sacrifice
One of the biggest fears leaders have about switching payment processors is downtime or a painful migration. They imagine months of disruption, angry merchants, and long development sprints.
Usio eliminates that. Our integration is built for speed. We provide direct access to our in-house development team — not a faceless support portal. We handle the underwriting and compliance heavy lifting. And we do it fast.
This means your team can focus on building and selling, not chasing down payment paperwork.
Before You Switch: A CEO/CFO Checklist
Before you start switching payment processors, it’s important to make sure your migration is smooth and your business is positioned to maximize revenue. Here’s a practical checklist:
- Analyze your current revenue share. How much are you earning from your current processor, and how much could you earn by switching?
- Assess merchant onboarding timelines. How long does it take to get a new merchant live today? Could your team handle downtime during migration?
- Map your payment flows. Make sure you understand how ACH, card payments, payouts, and disbursements work today and how you’ll replicate or improve them.
- Check compliance requirements. Ensure your new partner can handle KYC, AML, and underwriting without adding extra overhead.
- Confirm technical support access. Will your developers have direct access to the new team or just a ticketing system?
- Plan your migration strategy. Decide which merchants or segments to move first to minimize disruption.
- Set revenue goals. Identify how much additional revenue share you aim to capture within the first 6–12 months.
This checklist ensures you’re not just switching providers — you’re upgrading your payment strategy.
What CEOs and CFOs Really Want
When I talk to male founders, CFOs, and CEOs, they often describe their ideal payment partner like they describe their best vendor relationships: someone who has their back, someone who can move fast, someone who makes them money.
They’re not looking for flash. They’re looking for results.
That’s why Usio resonates so deeply with this audience. It’s not just about technology — though our API and infrastructure are rock solid. It’s about a relationship where your growth is our growth.
Switching Doesn’t Mean Starting Over
Another misconception is that switching payment processors means rebuilding your entire payment system from scratch. It doesn’t. Our powerful API is designed to drop into your existing stack. Our team works with your developers to migrate seamlessly.
We’ve onboarded platforms that were live on Stripe, Finix, Stax, and Worldpay with minimal disruption. In fact, many of those platforms are now our strongest advocates because they’ve seen firsthand how painless the process can be.
Beyond Payments: A True Partner
Usio also brings more to the table than just card processing. We handle ACH, payouts, disbursements, and even invoice print-and-mail at scale. For companies managing complex payment flows — government disbursements, non-profit cards, healthcare reimbursements — we become a single partner for everything.
This simplifies your operations and opens up new revenue streams you may not have even considered.
The Bottom Line
If you’re a CEO, CFO, or founder, the decision to switch payment processors isn’t just about saving a few basis points. It’s about unlocking a hidden revenue stream, accelerating your onboarding, and gaining a partner who’s invested in your success.
Your Next Move
If you’re wondering whether your company is leaving money on the table with your current provider, start by asking the hard questions:
- How much revenue share are we really earning from our current processor?
- How fast can we onboard new merchants today?
- Do we have direct access to support and development, or are we just another ticket?
Then take a look at Usio. Our partners who have made the switch are seeing the highest returns on payment monetization and revenue share in the industry — and they’re doing it without slowing down their business.
The story of Jason and his SaaS platform isn’t unique. It’s happening every day across healthcare, government, non-profit, and SaaS companies nationwide.
The question isn’t whether you can afford to switch payment processors. It’s whether you can afford not to.
