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Infographic
May 12, 2026

the 18-month timeline for evaluating card processing providers

Why Delaying Your Card Processor Evaluation Is an Operational Gamble

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Plan ahead to protect your card program and your accountholders.

This infographic outlines why financial institutions should begin evaluating card processing providers at least 18 months before contract end to reduce risk, preserve revenue, and ensure a smooth transition.

Key takeaways include:

  • Starting early enables a thorough RFP process and stronger vendor negotiations

  • A secure, low-risk conversion typically requires ~10 months to execute

  • Delaying evaluation can lead to automatic renewals and limited flexibility

  • Rushed transitions increase risk of downtime, data integrity issues, and lost cardholders

  • Poor experiences during conversion can strain support teams and damage trust

Explore the recommended timeline to safeguard operations, maintain continuity, and position your institution for long-term growth.

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