"Switching med spa processors: price the recurring-payment migration first"
"Source","https://bluefinchadvisors.com/blog/med-spa-recurring-payment-migration-break-even"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Recurring members to move","400","number"
"Members needing follow-up","15","percent"
"Staff minutes per exception","12","number"
"Loaded staff cost per hour","30","currency"
"Transition billing not recovered","900","currency"
"Setup and parallel-system costs","2400","currency"
"Current monthly retained costs","1500","currency"
"Proposed monthly retained costs","1000","currency"

"Results","Value","Unit"
"Members requiring follow-up","60","number"
"Transition exposure","3660","currency"
"Monthly retained-cost reduction","500","currency"
"Exposure / monthly reduction","7.32","number"

"Calculation detail","Value","Unit"
"Exception follow-up labor","360","currency"
"Unrecovered transition billing","900","currency"

"Assumptions"
"Defaults are a fictional migration scenario."
"The break-even ratio assumes positive, stable monthly savings. Zero savings returns Not available; a negative ratio means there is no positive payback under these inputs."

"Result notes"
"This is a planning comparison, not a guarantee of token portability, authorization, savings, or recovery."
"Contract termination fees and hardware purchases belong in setup if applicable."

"Sources"
"Stripe: importing payment methods and migration limitations","https://docs.stripe.com/get-started/data-migrations/payment-method-imports"
"Stripe: subscription migration stages","https://docs.stripe.com/billing/subscriptions/migrate-subscriptions"
"Visa: U.S. merchant surcharging and displayed-price distinctions","https://usa.visa.com/dam/VCOM/global/support-legal/documents/merchant-surcharging-qa-for-web.pdf"
"PCI Security Standards Council: no CVV storage for recurring payments","https://www.pcisecuritystandards.org/faqs/1280/"
"Stripe: refund funding, destinations, and refund status","https://docs.stripe.com/refunds"