u/merchantadviser

With information readily available on YouTube and on Reddit, do you notice merchants reaching out to you from a more educated position? If so, does that make your sales role easier or harder?

Hi all,

I'm a software engineer building my own POS system for restaurants and convenience stores in the US (Florida first). The software side is well underway, and now I need to pick the payments partner I'll integrate with so I can process card payments directly through my POS.

Options I've seen mentioned: Stripe Terminal, Adyen, Fiserv/CardPointe, Worldpay, TSYS, Payroc, Finix, NMI, Tilled. I'd love real-world feedback from people who've actually gone through the integration:

What I'm looking for:

• ISV / software partner program with a solid API and SDK (not just a reseller agreement)
• Semi-integrated or cloud-connected terminals so card data never touches my app and PCI scope stays minimal
• Card-present first (EMV, tap/NFC, Apple Pay/Google Pay), card-not-present later for online ordering
• Restaurant features: tips, tip adjust, split checks, pre-auth for bar tabs
• Convenience store features: fast checkout, possibly EBT/SNAP down the road
• Residual/revenue share on the merchants I bring, and ideally a path to becoming a PayFac (or PayFac-as-a-Service) as volume grows
• Reasonable certification timeline and cost

1. Which one had the smoothest integration and certification?
2. Which gave you the best economics as an ISV?
3. Anything you'd avoid, or wish you'd known before choosing?

Thanks in advance.

People still need to buy groceries and gas. How do you anticipate a downturn will affect your portfolio?

I’m looking for a high-risk payment processor that integrates with Shopify.

I have a US EIN for my business, but I don’t have an ITIN. I’m specifically looking for processors that can work with this setup and are comfortable with higher-risk businesses.

Any recommendations or personal experiences would be appreciated.

It's 90% mental. How do you stay Positive after a s#*tty week?

If the merchant gets their money instantly, do they care about the rate? Has their demand for faster payments pivoted the conversation from costs to speed?

Are you actually closing deals on Reddit, LinkedIn, X, or Instagram, or is it mostly just personal branding?

Can anyone recommend a good payment gateway provider in Bahrain for e-commerce payments?

Ideally looking for a provider with competitive transaction fees, BenefitPay support, and a straightforward API integration process for a mobile app.

Can anyone help me with a mis-coded CC solution for clients in Saudi Arabia? Preferably MCC 8999.
I’m working in the forex industry and looking for a suitable solution.

So I have a pixel play credit card from HDFC and was doing a payment on blinkit. I got this card last month and it gave 5% rewards on blinkit. I always use UPI but this was the first time I used credit card as a payment method.

The order was around 1045. I made payment blinkit -> redirected me to Payz App and I made the payment there. Now payment is in pending state. I also paid the credit card bill through my debit account as the bill payment date was approaching.

Since I know many times the bank quickly refund the amount, i made another payment on blinkit through the same payment method as I was in a hurry.

Same issue, payment in pending state.

Now I have almost 2090 worth of payment pending, whole I have made 1045 payment to my credit card.

Have talked to blinkit support executive and he said any money recieved will be refunded (or I may have to cancel the order if it goes through).

Also raised a ticket to hdfc, but no response as of yet.

My concern is, the refund money will be 2090 (for the credit card) and I have already made a 1045 payment through my debit card to settle the credit card bill. How will this adjustment work?

Any help would be helpful.

Following up on a previous question from August, does the sentiment suggest the ISO industry is dying a slow death, or are we in the midst of writing a new chapter?

The ecom guys, how are you able to collect card payments from your buyers, especially for those in the US? I use Zelle and Cash App accounts from a pal to collect from the buyers who use those apps but majority of 1st time buyers want to check out with their cards. I have US bank account for ACH but very few are comfortable with that.
To make matters worse, I set up an US LLC cos I wanted to use Stripe but that got suspended after few months cos my niche is in the “high risk” area.
I can’t also use paystack cos my niche needs a license.
So I need to know how some of you are able to take card payments. Thanks.

Should we be helping merchants offer their own credit or wallets? Has anyone started offering Banking as a Service?

Will 'Account-to-Account' payments take a significant portion of card payments? About 1/3 of banking transactions in Europe are Account-to-Account now.

Does regulation threaten our margins or filter out bad merchants?

Are we helping the transition to digital, or pushing people away from paper money? Have any merchants said that cash sales have increased after implementing surcharges?

KYC, AML, beneficial ownership, etc. For card-not-present transactions, that is understandable, but what about retail? Is this a good thing for industry security?

Will processors like Stripe or Adyen eventually take over everything? Or will merchants get tired of these big orgs and switch to more personable solutions?

If you're helping a downtown thrive, you thrive. Are many ISOs involved in the local Chamber or similar industry organizations?

How do you explain to merchants unhappy with their current processor that leaving isn't as hard as they think? What do you offer?