I believe so, either that or there's an additional level of tokenization between them and the company doing the actual integration with the credit card companie

I believe so, either that or there's an additional level of tokenization between them and the company doing the actual integration with the credit card companies. Most people don't realize is that paying with credit cards mean dealing with as many as four companies. The store, obviously, then the payment service provider, an acquirer and then the actual credit card company (and then maybe your bank). The acquirer is normally pretty invisible. Some companies acts as both PSP and acquirer, but some PSP also use the same acquirer, or support multiple. In the later case, you can actually switch PSP, but keep the acquirer. In these cases I would guess that you could avoid doing having to transfer raw credit card data between PSPs.