About Us

We began in 1997 with a modest plan: to provide fair, honest and fully disclosed payment solutions to help businesses prosper. Never veering from our roots or our convictions, that plan has taken us and our clients to places most businesses could only dream of. 



Rely on us to provide your members with cost-effective solutions to help enhance their businesses.



Increase client retention and grow your portfolio with our best-in-class payments processing, equipment and installation, and ongoing customer service. 



Work with our sales and servicing professionals to promote your products nationwide. Resellers and dealers can also benefit from our revenue-sharing programs.

The Durbin Amendment

This important legislation has had a sweeping impact on businesses across the nation, by saving them real money. Throughout this website, you will learn what the Durbin Amendment is, and what you can do to get the most out of it.

  • What is the Durbin Amendment?
    Senator Richard Durbin (D-IL) proposed the Durbin Amendment as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to place a cap on interchange or transaction fees.

  • Benefits
    The Durbin Amendment was written with merchants in mind. Card issuers charge less. Merchants pay less. Seems simple enough. So as a merchant, the most important thing you can do is know your numbers and determine what you should be saving. This way, you can be sure your card processor is not taking advantage of you.

  • What is Interchange?
    Card issuers charge merchants an interchange fee every time a debit or credit card is used to make a purchase. These fees are determined by Visa and MasterCard and paid by merchants.

  • Why Heartland?
    The founding supporter of The Merchant Bill of Rights, a public advocacy initiative that educates merchants about fair processing practices, Heartland remains steadfast and grounded in the core values that got the company to where it is today.

    Know Your Rights

    Integrity. Honesty. Advocacy. Tenacity.
    These are the characteristics many people strive to have. These are the core values we live by every day. To put our values into action, we created a Bill of Rights for merchants and sales professionals.

    Business Partners

    National and regional associations, banks and financial institutions, POS developers, resellers and dealers, and referral service providers look to us for expertise in payment processing, as well as fair, fully disclosed pricing and unparalleled customer service. 

    Founded in 1997
    Processing more than 11 million transactions a day
    Fair and upfront pricing
    Honest and fully disclosed payment solutions

    Thank You

    You will be receiving an email with a link to download this white paper and all white papers.

    Heartland Payment Systems
    Sales Inquiries: 888.904.6773
    Customer Support: 888.963.3600

    Heartland Ovation Payroll
    Customer Support: 866.341.3510

    School Nutrition Solutions
    Café Enterprise: 866.343.2594
    MCS Software: 888.287.6416, Option 2
    LunchBox: 800.256.8224
    Mosaic: 800.256.8224, Option 1
    NUTRIKIDS: 800.724.9853
    WebSMARTT & WinSNAP: 800.748.9631

    School Payment Solutions
    Heartland Micropayments
    Customer Support: 800.332.4835

    Heartland Campus Solutions

    Sales Inquiries
    Customer Support