Planning tool

Payment Infrastructure Migration Checklist

Migrate to new payment infrastructure without disrupting a single live payment flow. Work through the five phases in sequence, from pre-migration audit to old-provider decommission, checking off each item as you go.

Planning tool · 95 checkpoints · Phased migration · No login required

Work through your migration in five sequential phases

Critical rules for a migration without disruption

Never cut over before a parallel-run period. Run both providers simultaneously for at least two weeks before routing live volume exclusively through the new one. This is non-negotiable.
Never decommission the old provider before the new one is fully validated. Keep it active and callable as a fallback until the new infrastructure has processed 30+ days of live volume without incidents.
Get every use case approved in writing before going live. Verbal approvals do not count.
Notify your banking partner before activating any new corridor. Pre-notify 5 to 10 business days ahead; surprise flows are the number one cause of RFIs.
Complete each phase in order before moving to the next. The phases build on each other, and skipping ahead is how platforms end up mid-migration with a broken stack and live customer flows.

Work through the five phases in sequence, checking off each item as you complete it. Each phase builds on the last, so finish one before starting the next, and use the evidence prompts to confirm an item is genuinely done before you tick it.

Current Infrastructure Audit

0 / 7

Internal Alignment

0 / 6

New Provider Evaluation

0 / 7
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Planning tool only. Routefusion provides this tool for general informational and planning purposes only. It is not legal, regulatory, compliance, tax, or financial advice, and using it creates no advisory or fiduciary relationship.

Its outputs are directional and based solely on the information you entered. They are not a guarantee of eligibility, pricing, timelines, approval, or of any particular provider or banking partner outcome.

Document, payment, banking-partner, and regulatory requirements vary by jurisdiction and change over time. Any requirement, threshold, or timeframe referenced here is general guidance, not a statement of what any specific provider, bank, or regulator will require of you.

You remain responsible for your own compliance obligations. Consult your own qualified legal and compliance advisors before acting on any output of this tool.

Routefusion makes no warranties and accepts no liability for decisions made using this tool.

Download your migration checklist

  • Your progress saved across all five migration phases, every checked item marked Complete
  • All 95 items with sign-off gates and evidence prompts
  • The critical do-not-skip rules for a zero-disruption migration
  • A clean CSV of your progress

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Planning a migration? Book a free consultation. We'll walk through your parallel-run plan, use case approvals, and rollback criteria, and show you how a multi-bank migration keeps live flows running the whole way through.

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How it works & FAQs

01Work the phases in order
Move through all five phases in sequence, from pre-migration prep to old-provider decommission. Each phase is a gate; finish it before you start the next.
02Check off with evidence
Tick each item only when you can point to the evidence the prompt asks for, a document, a written approval, or a passing test, not a verbal assurance.
03Run in parallel, then cut over
Keep both providers live through a parallel-run period, validate the new stack at volume, and decommission the old one only after 30+ days of clean operation.
Why run both payment providers in parallel instead of cutting over directly?
A parallel run lets you validate the new infrastructure against live volume while the old provider still handles real payments. If the new stack misroutes, delays settlement, or fails reconciliation, you catch it without disrupting customers. Run both for at least two weeks, ideally four, before routing volume exclusively through the new provider.
How long should a payment infrastructure migration take?
Most platform migrations run 8 to 16 weeks end to end, depending on corridor count and compliance readiness. Teams that arrive at onboarding with complete documentation clear compliance review in 5 to 10 business days; incomplete ones spend 4 to 6 weeks in back-and-forth. The phases in this checklist are designed to front-load that preparation.
When is it safe to decommission the old provider?
Only after the new infrastructure has processed 30+ days of live volume with clean reconciliation, no unresolved incidents, and all SLAs met. Keep the old provider active and callable as a fallback until then, export its historical data first, and serve any contractual notice period before terminating.
Why does every use case need written approval before go-live?
Verbal approvals do not survive a compliance audit or a banking-partner RFI. Written, corridor-specific confirmation for each use case protects you if a flow is later questioned and prevents mid-migration surprises when a provider realises a corridor was never actually approved.
Do I have to complete the phases in order?
Yes. The phases build on each other: you cannot scope use cases before auditing what you run today, and you cannot sequence an integration before your compliance documents are ready. Skipping ahead, especially from sandbox to production, is the most common cause of live payment failures.

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