Update customer payment methods across merchants and subscriptions—without the hassle.
Paylink switch
Change a merchant's card-on-file right from your banking app
Provide a frictionless experience that keeps payments flowing and your institution top-of-wallet.
Flexible payment options
Remain the preferred funding source by allowing users to switch card and ACH payment methods.
Simplified user experience
Easily switch multiple payments at once all directly through the mobile app.
Increase transaction volume
Ensure your customers keep using your payment methods, reducing attrition and growing interchange revenue.
Reduce churn
Remove the friction of payment disruptions, keeping customers engaged with your banking services.
Strengthen engagement
Build long-term loyalty when your payment method is the primary choice for everyday.
Payment switching
How it works
No more headaches. Atomic makes switching payment credentials fast, easy, and secure.
Select merchants
Customers select which merchants and subscriptions they want to update.
Merchant authentication
Users authenticate with each merchant—securely and directly from your app.
Automatic routing
Atomic updates their payment credentials for recurring charges, reducing friction and ensuring uninterrupted payments.
Manage payments
Customers track their progress, pausing or resuming updates as needed.
Why Atomic?
Atomic offers a comprehensive approach that’s user-centric, secure, and simple.
TrueAuth
Our patented technology powers direct, secure authentication without third-parties, passwords, or friction.
Developer experience
Built on Atomic’s Transact SDK, PayLink Switch integrates seamlessly with your app for a fast, low-lift implementation.
A complete solution
Switch is part of a broader solution that enables account primacy. Users can also update their direct deposit and optimize recurring payments—all within their banking app.