A method for switching vendors, including sending an invitation to a user to rate a first vendor in response to the user designating the first vendor as a payee, receiving a rating assigned to the first vendor, determining a second vendor as an alternative to the first vendor based on the rating being below a predefined threshold, sending information associated with the second vendor to the user, receiving a request from the user to switch from the first vendor to the second vendor, sending a cancellation notice to the first vendor in response to receiving the request, transmitting user information to a computer of the second vendor for setting up a new account, and charging the second vendor a fee for sending the information associated with the second vendor to the user.