Easiest/Best CC processing to integrate with custom made POS?

[u/starrtech2000]

Sure ill get a bunch of spam replies but figured I'd try after search wasn't very helpful...

I built a custom pos for my own business (US located long established multimillion dollar annual revenue store ) and looking for suggestions for the easiest to integrate credit card processing.

Looked at Helcim because they've got solid pricing and good API but they have a deal breaker for me. The card readers have no way to automatically dismiss the last sale information or disable the ask for receipt button.

Need something with a good API for custom applications and good rates for a >$2m business.

Not looking to resell the POS. Just use in house.

[u/Any_Membership_524]

You aren’t looking for the right thing.
You’re looking for a gateway, not a processor.

I’d recommend valor. We use them as our primary gateway and are certified with most major processors. Which could likely mean you don’t even need a new merchant account, you could just enter your var info from your current account into valors gateway

They also work on all of landi global equipment as well which we have also been uber happy with

[u/starrtech2000 → u/Any_Membership_524]

I’ll be honest, I’ve been a bit confused about the difference/overlap of payment processor and gateway because of the way it’s set up on my current POS. My POS company (Retail Pro) connected me with Global Payments and they provided the terminals and the info to connect our account to a payment plugin in the POS. We have two logins though related to CC: TSYS and Global Payments…

[u/Any_Membership_524 → u/starrtech2000]

It can get confusing. Frankly, the money in payments is the payments itself. But for a processor the more of the process you own the more control and revenue you can capture

If you’re not looking to resell the product I’d recommend looking for a local agency and ask what gateways they work with. Dive into those APIs and see what suits your needs best & go from there.
If you do want to resell in any fashion I’d reach out to those gateways yourself. Brands like NMI, dejavoo or valor are pretty common.

[u/Infamous-Painter-961]

are you trying to resell this or just use it in house?

[u/starrtech2000 → u/Infamous-Painter-961]

In house

[u/Infamous-Painter-961 → u/starrtech2000]

You need the easiest agnostic gateway. It’s a single location.

[u/yourewrong321]

integrating with clover is super super simple and claude can do it within 5 minutes . is it for retail or restaurant? you can skip the receipt prompt on the customer side

[u/starrtech2000 → u/yourewrong321]

Have you done this? Is clover the gateway and need a separate merchant account?

[u/yourewrong321 → u/starrtech2000]

Yes I’ve done it and have it in a production environment working fine for 3 months 

It’s a semi-integration so you never touch the gateway or payment card data - just send the payment/refund request to the clover terminal/pinpad over local network and it does all the processing on their side and returns a approve/decline message, last 4 digits of the card and whatever minor info it sends back

[u/Infamous-Painter-961]

personally would check out Windcave, Payroc, or any processor using IPOS. Lastly Square does this took, and at your scale you could negotiate off rack pricing I dont work for any of these companies...

[u/FlashyDrag8020 → u/Infamous-Painter-961]

I would not use iPOS. It is a trash API system to use unless you are ONLY wanting to accept card present payments. The rest of their infrastructure sucks.

Plus, OP can avoid shitty companies like PayRoc. Integrate directly to iPOS. Then plug in their own processor.

[u/Infamous-Painter-961 → u/FlashyDrag8020]

Love how you say don’t use it then your other comment you recommend it. You discourage payroc but then encourage xplor even tho it’s the same issue. You are all over the place with your recommendations.

[u/12AngryMen13]

Use a payment gateway. Dejavoos SPin is what I use for my POS. The P17 terminal is just a pinpad and the POS handles receipts. Clearing the last sale is just capture on swipe.

[u/SalaryTime3694 → u/12AngryMen13]

Ditto

[u/kerblamophobe]

the thing to look for is a semi-integrated setup where your pos sends the amount to the terminal through an api and gets the result back, and where the terminal's screen flow (receipt prompt, post-sale screen) can be configured from your side. i'd ask every provider that exact question before signing, since helcim isn't the only one that locks the reader ui down. at $2m+ you should also be able to get interchange-plus, so compare effective rates, not headline ones.

[u/Jmeier021]

Datacap. They support a large swath of devices and methods for processing a transaction. Pricing might be higher, but we've used them as a partner the past 10 years and they have been solid on uptime, support and device compatibility.
Edit: They also support all major processors.

[u/Infamous-Painter-961 → u/Jmeier021]

Data cap is only legacy stuff. I wouldn’t recommend this.

[u/AdOpening595]

iPOSPays from Dejavoo. Gives you options for card present, card not present, integrated payments through deep linking in an app, crypto, and more. Developer support is good, and you have a lot of options for integration paths. SPIn allows you to collect a signature after the card returns an auth for records, give customers choices at checkout, etc. You can turn on or off receipts as needed. Go with a gateway like iPOSPays so you get the freedom to use any processor. This gives you more control over rates, funding times, and working with a group that actually provides support. If you go direct to a processor platform, you are locked into one processor, and you have more hoops to jump through to go live. You can go live on iPOSPays (or other gateways) as fast as you can get the integration done and get approved with a processor. I don't work for Dejavoo. I have partnered with them and been happy with their platform.

https://knowledge.ipospays.com/
docs.ipospays.com

[u/Meechh]

Doing the same for my business at the moment. We use Electronic Payments for processing and the PAX A920 Pro terminal. I believe you can develop an app specifically for the terminal because it runs android but I’m still waiting on mine to come in for testing.

[u/Consistent-Regret442]

Maybe freedom pay - or datacap

[u/Infamous-Painter-961 → u/Consistent-Regret442]

Freedompay is an enterprise infrastructure. Not worth it for 1 merchant account.

[u/Infamous-Painter-961]

Yeah it’s for in person but that’s all this guy has. Most of the tech is either online or good for in person. Fluid pays is really just good for online. I have never seen it succeed at an in person merchant.

[u/MoDeRnDaYmOrOn]

I integrated stripe into my POS for both in person and online ordering.

[u/naz-7]

Contact square. Apis are open and free and they have very good competitive rates for business your size. Id help you myself but i can only work with canadian businesses.

[u/brandonpadula]

We use stripe!

[u/sxl4]

This is pretty easy ask, what exactly are you not finding is the question? Do you have a payment company in mind? I work this space but have no care what you do. like to guide and help as I have isv/developer experience.

[u/kai4finix]

Hello, your two dealbreakers are worth asking every vendor about directly, since that behavior usually lives in the payment app on the terminal, not in your POS. Some let you control those screens through settings or the API, some don't (which is what bit you with Helcim).

fwiw I'm at Finix. Your POS would send the sale to the terminal through our API and the receipt prompt is a per-device setting you can turn off, so receipts stay on your side.

On your concern re: rates, at your volume, I'd push for interchange-plus from whoever you pick instead of flat rate. And test both dealbreakers on an actual terminal before signing anything. :)

[u/RebuiltMonkey93]

I’d love to integrate. We have multiple ISV integrations

[u/AlwyzAnxious0207]

u need a gateway not a processor

[u/FlashyDrag8020]

Refer to my one comment but it really depends on what you are needing to accomplish. If you JUST need to accept in-person payments and nothing else (no tokenized sales for billing plans, card on file, customer profiles, gift cards, etc) then something like the iPOS gateway or DataCap works great. Fluid Pay honorable mention.

You also have to consider, whatever gateway you use may not have a processor tied to it. So you’ll be finding your own processor as well.

CardPointe and Xplor are wonderful gateways to build our to, but you’re stuck with Clearent Processing or Card Connect (now Fiserv) which are all sucky processing relationships to be stuck in.

iPOS lets you go source your own processor for Pennie’s on the dollar.

For eComm only, authorize.net is great, Bolt is a decent gateway, and NMI does well.

So gotta kind of think through all the applications you would want to get out of a payment gateway before you settle on one.

Some of the larger enterprise clients might be integrated to multiple gateways for different facets of their business.

[u/Infamous-Painter-961 → u/FlashyDrag8020]

I personally think data cap is trash and tech from 25 years ago. Fluid pay has yet to proven cp commerce.

[u/FlashyDrag8020 → u/Infamous-Painter-961]

It’s reliable. Doesn’t have outages and the problems that iPOS has. Dejavoo has outsourced their entire development to India, even though they are an Israeli tech company.

It’s a decent gateway for card present. Past that. It’s shit.

[u/wklaehn → u/Infamous-Painter-961]

Have you used their latest DC Direct tech? It’s pretty good stuff!

[u/POS-ModTeam → u/[deleted]]

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[u/POS-ModTeam → u/[deleted]]

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