The Merchant Bill of Rights

You have the right to be treated right.

That's why Heartland Payment Systems created The Merchant Bill of Rights. When we launched this public advocacy initiative, we established a new industry standard that educates business owners like you about the complexities of card processing so you can manage the associated costs.

The Merchant Bill of Rights proposes 10 rights that promote fair credit and debit card processing practices, reasonable credit/debit card processing costs, cutting-edge security and fair treatment.

At Heartland, we believe you have the right to:

  1. The right to know the fee for every card transaction ― and who’s charging it.
  2. The right to know the markup of Visa®, MasterCard®, Discover® Network and American Express® fee increases.
  3. The right to know all Visa, MasterCard, Discover Network and American Express fee reductions.
  4. The right to know all transaction middlemen.
  5. The right to know all surcharges and bill-backs.
  6. The right to a dedicated local service representative.
  7. The right to encrypted card numbers and secure transactions.
  8. The right to real-time fraud and transaction monitoring.
  9. The right to reasonable equipment costs.
  10. The right to live customer support 24/7/365.

The centerpiece of this initiative is an interactive website where you can learn about the mechanics of card processing, receive industry tips, share best practices, ask questions and stay updated on industry news. Learn about your rights by visiting MerchantBillOfRights.org — and start managing your costs.

Reach out to us to learn more. Heartland is the only payments processor that abides by The Merchant Bill Of Rights … and stands up for your rights.