The Payment Processing Customers Want

In-person or online, tableside or contactless, accept all the ways customers want to pay and provide a consistent checkout experience that keeps them coming back.

Accept all payment
processing methods
Take any payment including online payments, ACH, payment gateways, credit and debit cards, digital wallets like Apple Pay, PayPal and more.
Get paid faster without
pesky paperwork
Save time, money and get paid faster with electronic billing and invoicing with accounting sync.
Take payments on any device
Mix and match devices so customers can pay wherever they are — card reader, POS system, mobile device, and virtual terminal.
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Security and Fraud Protection


Protect card data and maintain PCI compliance with tokenization and end-to-end encryption paired with EMV-enabled hardware.

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Chargeback Management & Surcharge Program

Save time with intelligent dispute response. Compile and link chargeback defense evidence for card networks in a few clicks. Offset the costs of credit card processing fees through an automatic card-brand-approved transaction fee.

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Always On Customer Support

Get expert, 24/7 customer service from knowledgeable support reps based in the US.

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Same day, next day, and instant funding

Stop waiting several business days for credit card transaction deposits to hit the bank account. Get your money instantly, same-day or next-day

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With Heartland, you get a credit card processor that is dedicated to protecting your business. Heartland Secure, our card processing security solution, uses three powerful technologies—EMV, end-to-end encryption and tokenization—to protect your customer’s card data as soon as the credit or debit card is used, making all data completely useless to hackers. Process payments on your point-of-sale devices or with our online virtual terminal. Learn more about secure merchant account processing today.

Sixty percent of small businesses permanently close their doors within six months of a credit card breach. We’re so confident in Heartland Secure, our credit card processing security technology, that our merchants are covered by a comprehensive breach warranty. In the unlikely event that you experience a credit card breach while using a Heartland Secure-certified device, we will pay for losses, fines and fees that result from a card data breach, protecting your business from becoming part of the 60 percent. Find out how to get covered by our free breach warranty.

At Heartland, transparency drives everything we do. That’s why we offer Interchange-Plus pricing—giving you full disclosure into how much you’re paying us and how much goes to the card brands. This protects you from arbitrary price increases and ensures that you receive the full benefit of cost reductions, such as the Durbin Amendment savings.

Heartland consolidates all of your credit card transactions into a single statement regardless of the credit card brand used, giving you a single view of your transactions. No more surfing through multiple statements.

Other credit card processors mislead merchants by hiding extra fees and surcharges in confusing contracts and statements. At Heartland, fairness and transparency are our core values. It defines who we are and how we do business as your advocate. With Heartland, merchants can count on an easy-to-read credit card statement that clearly shows how much they paid and what they are accountable for. This way, merchants know which fees were sent to the card brands, and the amount collected by Heartland—full disclosure and transparency.

Get funds faster. Heartland merchants receive funds from their credit and debit cards sales faster than ever. Regardless of the bank relationship, merchants receive their money from all card transactions the very next business day.

At no additional charge, Heartland customers have online access to their merchant account 24/7/365. InfoCentral is Heartland’s robust online portal that gives you complete visibility into your transactions. No more waiting on credit card statements in the mail. With Heartland’s web portal, merchants can check batches, deposits and transactions, run reports, download data, view monthly statements and order equipment, all in real time. Heartland also makes it easy for card processing merchants to quickly and easily solve disputes through direct communication with our dispute resolution team via InfoCentral on your desktop or mobile device.

Heartland delivers best-in-class customer service. Our U.S.-based service center provides live customer support 24/7/365, with calls answered in less than ten seconds on average. Unlike other 24/7 support lines, Heartland doesn’t use a ticket system that requires waiting for a resolution. A customer advocate immediately addresses our merchants’ inquiries.

If you accept credit, debit or prepaid cards, you have the right to know where your money is going. Heartland revolutionized the industry by empowering small and mid-sized businesses to understand all card processing costs. Heartland has published the Merchant Bill of Rights, proposed as an industry standard, which encompasses ten core rights that Heartland feels every merchant should receive from their processor. Know your merchant rights by visiting today.

Heartland is an accredited member of the Better Business Bureau and has received its highest A+ rating.

Do you already have hardware or point-of-sale software that you like? No problem… Heartland’s payment processing technology integrates with hundreds of vendors and software programs. Already have an e-commerce site or are you looking to start taking credit card payments online? We can make that happen, too.

Heartland’s client managers will analyze your statements after the first year and make recommendations on ways that you can save on transaction fees. You may also call in anytime and request a review.