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

Gift Marketing

Attract new customers to your business with Heartland’s gift marketing solutions. Our programs are flexible and can be implemented easily so you can start providing these value-added offerings quickly.

Gift marketing is focused on gift cards and helps you:

  • Grow your customer base by attracting gift card recipients who aren’t current customers
  • Increase your revenue — gift cardholders tend to spend more than the amount on the card
  • Reduce your processing costs — gift cards have no interchange fees
  • Offer the perfect solution to those looking for quick, thoughtful presents
  • Market your location by giving away cards to bring in new customers, promote special events, reward loyal customers — and resolve customer complaints

In addition, we offer targeted loyalty programs that reward your customers with relevant offers, improve customer retention and increase your market share.

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.