I've done quite a bit CC stuff over the years and every processor does things a bit differently. For example the test environment is always different (some have test card numbers, some have test servers).
But, there are quite a few things in common too (mostly the data they need). Usually there are example scripts (often in Perl) that you can get started quick with too.
I use this scheme:
Site > Sanitiser > CC Processor
Basically, I don't code anything that is CC specific in the site and anything that a CC Processor needs I add to the sanitiser step. The CC Processor step usually ends up being only one subroutine. If I switch processors (which doesn't happen very often) I rewrite the last step and maybe add a few things to the Sanitiser step.
It will never be easy switching CC processors, but I have found that this scheme does make it fairly painless.
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