Card Processing

Are you making as much money as you can from every sale you ring up on a credit, debit and prepaid card? Or is your payments processor taking too big a cut … and slicing your revenue?

In an industry fraught with processors looking out for themselves, Heartland Payment Systems watches out for you.

Whether your customers use credit, debit or prepaid cards — including gift card and loyalty programs and Heartland’s Give Something Back NetworkSM OneCard — Heartland processes your transactions efficiently and cost-effectively.

You can rest easy knowing your transactions are processed on the industry’s only end-to-end, state-of-the-art processing platform for brick and mortar companies. With built-in flexibility designed to keep pace with today’s shifting business needs, you have all the support you need.

Both brick and mortar and e-commerce stores benefit from:

  • Fair pricing and full disclosure of fees and agreement terms
  • Processing for all major card brands and fast access to funds with one deposit, one statement, one point of access to account information and one call for customer service
  • Clear statements that eliminate confusing or misleading fees
  • Improve your cash flow through real-time processing and quick authorizations
  • Fully integrated terminals and software that work with your systems
  • Round-the-clock service through a dedicated field service team and toll-free live support 24/7/365
  • Easy account management through our Online Merchant Center
  • Industry-specific solutions to meet your unique business needs
  • One-stop payments processing that serves all your needs conveniently and efficiently

Prepaid Services

Generate revenue and profits without stocking additional inventory or making significant investments in more equipment — with ePIN•It. Offer Heartland’s receipt-based prepaid services — wireless phone and long-distance minutes — for purchase at your location.

With this program, you can:

  • Grow profits with your point-of-sale terminal — no expense until the products are sold
  • Use one terminal for payments and prepaid services — easy for employees to use and takes up less counter space
  • Attract customers by offering products from major wireless and long-distance calling providers — for calls worldwide
  • Benefit from repeat business as customers return regularly to purchase additional minutes
  • Market these products with no-cost, eye-catching merchandising materials provided by Heartland
  • Offer a convenient “green” product with no plastic cards involved — less cost to you … and your customers
  • Receive one consolidated monthly statement that includes all credit, debit and prepaid transactions

With ePIN•It, you can build a program that allows you to offer your customers a broad range of products delivered electronically — from wireless and long distance minutes to music, gaming, movies and more.

Access the critical business information you need — anytime, anywhere using Heartland’s Online Merchant Center. Click here for a quick video overview. 

Now you can generate summary and detail reports for single or chained locations using single-day, 30-day, even 90-day parameters, with options such as:

  • Card-type summary
  • Chargebacks
  • Returns & Rejected Transactions
  • Batch Recap and Batch Details
  • Qualification Detail Report

In addition, with the Online Merchant Center you can:

  • Confirm transaction costs
  • View your current monthly statement — detailing credit and debit card transactions by date or card type — and compare it to previous months’ sales
  • Confirm and track deposits by date, debit and credit card numbers and amounts
  • Export data for use in spreadsheets
  • View graphical trend analyses
  • Change equipment settings (where applicable)
  • Be greener — opt to receive electronic statements instead of paper

To view a demo of how the Online Merchant Center works, click here.