I would suggest a review of the 2012,2013,2014,2015,2016 SMME Filings as you have been here a long time also.
Familiar with the process and also have integrated and non integrated POS. In house gift cards also. I am also familiar with networks and issuers as they are two separate entities. Id card at very LEAST.
And AS YOU CLEARLY STATED MANUFACTURES, SUCH AS APPLE, DID NOT WAIT UNTIL THE I-PHONE 6 To RELEASE A PRODUCT ON MARKET