About Us


“We will help businesses prosper by providing them with effective solutions in a fair, honest and transparent manner.”

– Bob Carr, Heartland’s Founder (1997)

Our success is the result of keeping Bob’s promise. Helping businesses prosper through innovative solutions, advocacy and unmatched service is Heartland’s mission.

Industry Leader

Never veering from our convictions, Heartland has led the industry in transparency, integrity and security.

Innovative Solutions

Today, Heartland delivers credit/debit/prepaid card processing, payroll and payment solutions to more than 300,000 businesses and educational institutions nationwide.

Nationwide Presence

A NYSE-listed company trading under the symbol HPY, Heartland employs nearly 4,000 people around the country.
 

The Heartland Way


We practice what we preach.

 

Supporter of the Canadian Code of Conduct

The Canadian Code of Conduct for the Debit and Credit Card Industry focuses on disclosing information to merchants in a “clear, simple, and non-misleading manner.” As a merchant advocate and proponent of fair and transparent business practices, Heartland fully supports the Canadian Code of Conduct. We strive to fulfill their commitment to ensure merchants are aware of costs related to their credit- and debit-card acceptance—as well as provide them with freedom and flexibility in payment options.

Making Sure Your Money Stays in Your Hands

In 2011, legislation was passed that could mean significant savings for many businesses. The Durbin Amendment, part of the Dodd-Frank Wall Street Reform Act, placed a cap on interchange or transaction fees and was intended to provide merchants relief from card processing costs. Since the amendment was passed, Heartland has delivered every cent of savings to the rightful recipients—business owners.

Founder of the Merchant Bill of Rights

Heartland created The Merchant Bill of Rights to promote fair credit, debit and prepaid card processing practices on behalf of owners of small- to mid-sized businesses. Our aim was to create an industry standard, similar to the Canadian Code of Conduct, that calls for the clear and straightforward presentation of card processing costs. The purpose of The Merchant Bill of Rights is to enable business owners who don’t have the resources of large purchasing organizations to effectively manage their costs, determine which processor best meets their needs and realize significant savings.
 

Meet The Executive Team

With some of the most talented individuals at the forefront, Heartland continues to set the industry standard.

View Bios

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