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.
Four hops, and you own the first two
Your till
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.
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. Two we work with today, with more added as we go:
Bold Payments
A processor we place merchants with today, and a good fit for independent retail where predictable per-lane costs matter more than headline rates.
Humble Payments
Another current option. Which of the two suits you depends on your ticket size, card mix and monthly volume — that's exactly what we'll compare for you.
- 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 — we place merchants with Bold and Humble today, and the rest are reachable on the same rails. 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 — in most cases we can keep you where you are rather than move you.
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 till.
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
Capabilities available through the Datacap route. Which ones you switch on depends on your processor, your terminal and what your business actually needs.
- Chip & contactless (EMV)
- Credit & debit
- Gift cards
- Surcharging
- Convenience & payment fees
- Manual card entry
- Pre-authorization
- Returns & voids by record
- Offline store & forward
- EBT
- eWIC
Not every capability is available on every processor or terminal, and some require extra setup or certification. We'll confirm exactly what your configuration supports 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 us a recent processing statement and we'll tell you plainly whether we can beat it. If we can't, we'll say so — the POS is worth buying either way.
Or email sales@snappos.net