A Half Point Can Reveal the Real Cost of a Debit Upgrade

A debit processor migration can look successful on a project plan and still create problems at the checkout counter. That’s one of the central findings in “ The Hidden P&L of Legacy Debit: What Processor Migration Actually Costs, Saves and Breaks ,” a June 2026 report from PYMNTS Intelligence and Galileo . The report finds that outdated debit infrastructure can create costs well beyond processor fees, including false declines, manual exception work, fraud losses and slower product launches.