Neuroscience and game theory are buzzwords in economics. Check out this lecture from Professor Ariel Rubinstein who argues that economics is a culture and not a science as espoused by his neuroeconomist colleagues. Link is here.. http://www2.warwick.ac.uk/knowledge/business/rubenstein/
Good article, but the whole payment industry is moving toward all-in-1 solutions like Stripe. Much easier than messing around with finding a processor AND a applying (and locking into a contract) for a merchant account. IMHO.