https://www.spreedly.com/ https://www.spreedly.com/ has implemented such an abstraction, and stores tokenized cards centrally in a PCI compliant vault - so when

https://www.spreedly.com/ https://www.spreedly.com/ has implemented such an abstraction, and stores tokenized cards centrally in a PCI compliant vault - so when the customer types in their card info, it goes over spreedly.js to Spreedly servers, and you can have Spreedly send that to Stripe for the original payment, but then have Spreedly route that information to Braintree or Authorize.net for future payments, without ever needing the card data to touch your servers. Switching to a new processor is as simple as changing the "gateway_token" constant you include when calling their API. They've even implemented the load balancing idea: https://www.spreedly.com/smart-routing-for-payments https://www.spreedly.com/smart-routing-for-payments Pricing is in the hundreds-per-month plus cents-per-transaction, so they're not a fit for all businesses. But if you collect high-value transactions and keep cards on file (for subscriptions, SaaS, etc.), I highly recommend building on top of them rather than on top of an individual processor, as well as maintaining multiple merchant accounts with different providers. Business continuity is the name of the game!