Finance
Charge a saved card on schedule.
Keep the processor you already use, and stop chasing failed renewals by hand.
Bring your processor and keep your rate
Connect the processor you already use and the rate and contract you negotiated are unchanged. Or use the one that ships. The payment path is the same either way.
Retry a declined card and raise it
A card on file, a scheduled charge, and a failure that surfaces instead of sitting. Most lost renewals are payment problems nobody saw.