The answer to your question would be "it depends" - without the specific facts and circumstances of your business it is very hard to evaluate your legal obligation in terms of license requirements. I strongly recommend that you contact an experienced business attorney to properly organize your company (if you have not done so), and then also evaluate your legal requirements.
This advice is for INFORMATIONAL PURPOSES only and should not be relied upon as legal advice. No attorney-client relationship shall be formed as a result of the answer above.
The law is clear. Installing any such systems for payment requires the person installing to be licensed, period. Now there are many folks violating that law, but the law is clear.
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