To help you with your business.

At Heartland, we understand that you may have questions or want information on how to improve your business processes. Here you will find links to information found on the major card brands (Visa, MasterCard, Discover and American Express) websites in order to help you quickly find the information about general card acceptance rules, research a specific chargeback reason code, or learn more about the fees these card brands charge—all by clicking the links below. If you have additional questions, contact your Heartland representative.

Visa and MasterCard have specific rules for accepting their credit cards. Use the links below to learn more about their rules.

Visa® Rules (PDF)

Visa® Card Acceptance Guidelines (PDF)

MasterCard® Rules (PDF)

Learn how chargebacks occur, various reason codes, timelines and more in the Visa and MasterCard Chargeback Guides:

Visa® Chargeback Guidelines (PDF)

MasterCard® Chargeback Guide (PDF)

Visa and MasterCard define fees merchants pay to financial institutions for accepting their cards. The links below include the current fees as published by Visa and MasterCard. Learn what is necessary for a transaction to qualify for a specific fee.

Visa® & Interlink Interchange Fees

MasterCard® Interchange Rates (PDF)

Visa provides additional tips specifically for restaurants:

How-To's for Restaurant Owners and Managers (PDF)

Need signage? Access the websites below to obtain signage or supplies from Visa, MasterCard, Discover and American Express: (If you are a OnePoint merchant, please call your Regional Servicing Team for supplies.)

Announcements from Heartland:

Heartland Launches New American Express Card Acceptance Program for Small Merchants

Thank You

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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