Thank you for the post contribution, but this is not really an answer to what I am after. The link is just a description of what happens with an Intuit Payment system. This system is precisely what I am trying to move away from and find an alternate service.
I need another processor integrated into my Point of Sales . Not Intuit Payment since they will not offer processing to merchants outside the US.
Intuit website all that offers is to emphasize how affordable the system rates are, but is of no good if they don't process the credit card.