Your processor is a setting, not a cage.
Clover locks you to Fiserv. Square is Square. Toast is Toast. Leave any of them and the hardware you paid for stops being worth anything. SnapPOS takes cards through Datacap, which routes to whichever processor you've chosen — so the decision stays yours after you've bought the system, not just before.
You never have to deal with Datacap. Setting up that bridge is our job and it happens before the POS reaches your counter. Your side of it is the same as always: pick a processor, agree a rate, take cards.
Four hops, and you own the first two
Your POS
SnapPOS sends the amount over your own shop network. Card numbers never touch it.
Your terminal
A PAX or Ingenico device takes the card, encrypts it and handles the EMV conversation.
Datacap
NETePay Hosted receives the transaction and routes it onward to your processor.
Your processor
Whoever you picked authorizes the sale and settles the money into your bank.
Because step 4 is configuration held at Datacap rather than something compiled into the POS, changing processors doesn't mean changing steps 1, 2 or 3.
Certified, not self-declared.
SnapPOS never talks to a processor directly. It talks to Datacap, who have been connecting point of sale systems to card processors since 1983, and who sit behind hundreds of POS systems and thousands of ISOs and merchant service providers across the US and Canada.
That is what turns your processor into a choice rather than a condition. One certification reaches every processor on their network, so a single register and a thousand-store chain run the same rails — and either can change processor without changing POS.
SnapPOS is Datacap-certified
Certified against Datacap's specification for DC Direct — the path your terminal actually runs on — and for Pay API. Datacap ran the transactions and signed off. Card numbers never touch the register.
What Datacap tested
- EMV sales and voids on certified terminals
- Linked returns, and returns looked up by record
- Terminal parameter downloads
- Batch summary and close at end of day
- Surcharging and Level II purchase card data
- Store and forward, so cards keep working through an outage
- Card on file, so a returning customer doesn't present the card again
Why that is worth anything
Plenty of POS software says it takes cards. Certification means somebody else ran the transactions and signed off — the difference between a claim and a test result.
It is also why the processor list is long. We integrated once, against Datacap, rather than separately against every processor — which is what makes moving from one to another a configuration change instead of a new POS.
We shop the rate. You pick the winner.
We work with a range of processors and will put your volume in front of them to see what comes back.
SnapPOS is processor-agnostic. It's certified once against Datacap's network, so any processor on it is a setting rather than a new integration — nobody has to build anything to win your business, and nobody gets to tell you the switch is too complicated.
Which is what puts you in a good position. A shop whose register only talks to one processor isn't negotiating, it's renewing. When any of them could have the account next week, they have to quote like it.
- Bold Payments
- Humble Payments
- Fiserv
- Worldpay
- Global Payments
- Heartland
- TSYS
- Chase
- Priority
- Moneris
- Truist
- Electronic Payments
Processors reachable through Datacap's certified network. Naming them is not a claim of endorsement or partnership. Tell us who you use and we'll confirm.
These are a sample, not the whole list
Datacap certifies a broad set of backend processors, and we add relationships as merchants ask for them. If you already have a processor you're happy with, tell us who — staying where you are is one of the options, and we'll show you how it compares.
They're bidding for your volume. Let them.
A processor earns a small percentage of every card you run, which makes your monthly volume worth competing for. Most merchants never test that. They sign once, the rate quietly stays where it was set years ago, and nobody has a reason to revisit it. Put the same numbers in front of several processors at once and the arithmetic changes — not because anyone did you a favour, but because they'd each rather have your volume than let someone else take it.
The rate
The headline percentage, the per-transaction cents, and the monthly fees underneath them. The fees are where most of the quiet money sits, and they're the part a merchant almost never gets shown side by side.
Money toward the software
Most of the processors we work with will put money toward your POS to win the account — often enough to cover it outright. That is a real offer, and it comes out of the same competition as the rate.
Sometimes the terminal
Depending on volume, a processor may cover or discount the card terminal as well. Worth asking before you buy one, because it's rarely offered unprompted.
What it takes from you: two or three statements
We don't need you to negotiate anything, or to know what an interchange table is. Send two or three recent processing statements and we'll read them, work out what you're actually paying once the fees are counted, and put your numbers in front of the processors we work with. You get back a comparison with your current cost at the top of it.
Statements are stored off the web server, never emailed, and deleted after 120 days. Nothing is shared with a processor until you say go.
What a processor offers depends on your volume, ticket size and card mix, so nothing here is a quoted rate. And if your current processor is already competitive, we'll tell you that and leave you where you are — we'd rather keep the POS customer than move your processing for the sake of it.
Cards can keep working too
SnapPOS itself never needs the internet — the register, your inventory and your reports are all local. Card payments normally do need a connection, but Datacap's Store & Forward mode lets the terminal keep accepting cards through an outage and settle them once you're back online.
- Available on PAX Android terminals
- Turned on at setup — tell us and we'll provision it
- Stored encrypted, then settled automatically
Offline card acceptance is optional and off by default, has per-transaction and total limits set when it's enabled, and carries the usual risk that an offline authorization can still be declined at settlement. We'll walk you through whether it makes sense for your shop.
The hardware stays yours
A Clover device is tied to Fiserv — leave and it's scrap. PAX and Ingenico terminals aren't built that way, so a change of processor doesn't mean a change of equipment.
PAX Android
Countertop and handheld models, including the A920 range. These are the devices that support offline Store & Forward.
Ingenico AXIUM
The DX and EX families, for shops that prefer a more traditional countertop terminal alongside the register.
Already have one?
In many cases we can pair your existing terminal instead of selling you another. Send us the model, or check the certified list.
What the card side can do
All of it comes standard. There is no capability tier and nothing here is an upsell — what your terminal and processor support is switched on at install.
- Chip & contactless (EMV)
- Credit & debit
- Gift cards
- Surcharging
- Convenience & payment fees
- Manual card entry
- Pre-authorization
- Returns & voids by record
- Offline store & forward
- Online payments (card not present)
- Payment links on invoices
- Card on file for recurring plans
Every capability above is included in SnapPOS at no extra cost. A few depend on your terminal model or processor supporting them, and we confirm exactly what your configuration handles before you commit to anything.
What changing processor actually involves
We'd rather set the expectation properly than promise it's a button.
What you do need
A merchant account with the new processor, and a parameter download to point your terminal at it. We handle the Datacap side. Expect it to take days rather than minutes, mostly waiting on underwriting.
What you don't need
A new POS. New terminals, in most cases. Re-entering your inventory. Retraining your staff. Nothing about how the register works changes.
Why that's unusual
On a platform that sells you both the software and the processing, switching processor means leaving the platform — which is precisely why their rates don't have to stay competitive after you've signed.
Let's compare what you're paying now
Send a recent processing statement and we will tell you plainly whether we can beat it. If we cannot, we will say so — the POS is worth buying either way.