Recently got installed a non merchant gateway BLESTA plugin so as a result the payment screen looks like this https://www.dropbox.com/s/6iygf01op4uxzeq/payu-non-merchant.jpg?dl=0
and also forces the customer to chose the payment method from an alternative option like in this picture https://www.dropbox.com/s/ixm1gbqehkvdg5u/other-payment.png?dl=0
However I know that my payment processor has an API that allows the billing software (BLESTA) communicate directly
with the payment gateway (and receive the credit card numbers and other information), so I was wondering if the difference
between merchant and non merchant is more a difference based on the software approach than in the company processor features itself,
and if so could I make a merchant payment gateway for my current payment processor?