Heartland is only strong in the terminal arena, their entire plan for EMV POS systems boils down to Datacap (fucking nightmare you should avoid) and Pax (which

Heartland is only strong in the terminal arena, their entire plan for EMV POS systems boils down to Datacap (fucking nightmare you should avoid) and Pax (which is meh). Mercury/Vantiv aren't bad, and are much more developer friendly if you need complex direct integrations, alternatively FD ISOs vary. The least painful way to integrate is semi-integrated with Pax or Dejavoo, and that way your customer can choose from the majority of processors with minimal work on your end. Typically I see grocers paying under 1% after interchange, network fees, processor fees, etc, hence why there is motivation to deal with the legacy good ol' boys. Helpful library: https://github.com/AccelerateNetworks/PHPax https://github.com/AccelerateNetworks/PHPax