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I worry that PayPal might change the “Take your vaulted cards to another processor” policy…

If they do, it’s going to cause a lot of headaches for customers.

Well that assumes that the business owner wants to switch out of Braintree. But you are right that if Paypal closes the garden, you are stuck in that silo.

But on the other hand, it isn't so different than being walled into AWS for instance in terms of production impact time.

It’s not the code changes or downtime you have to worry about — it’s convincing all of your customers to enter their billing details again (if you can’t get the vaulted cards transferred).

This is one of the major value propositions with Spreedly. Independently vault your cards.

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