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.

 

Endorser of the Canadian Code of Ethics

Senator Richard Durbin (D-IL) proposed the Durbin Amendment as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to place a cap on interchange or transaction fees. The Durbin Amendment was written with business owners in mind. Card issuers charge less. Merchants pay less. Seems simple enough. So as a merchant, the most important thing you can do is know your numbers and determine what you should be saving. This way, you can be sure your card processor is not taking advantage of you. Card issuers charge merchants an interchange fee every time a debit or credit card is used to make a purchase. These fees are determined by Visa and MasterCard and paid by merchants.

Founder of the Merchant Bill of Rights

Senator Richard Durbin (D-IL) proposed the Durbin Amendment as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to place a cap on interchange or transaction fees. The Durbin Amendment was written with business owners in mind. Card issuers charge less. Merchants pay less. Seems simple enough. So as a merchant, the most important thing you can do is know your numbers and determine what you should be saving. This way, you can be sure your card processor is not taking advantage of you.

Giving Business Owners Money They’re Owed

Senator Richard Durbin (D-IL) proposed the Durbin Amendment as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to place a cap on interchange or transaction fees. The Durbin Amendment was written with business owners in mind. Card issuers charge less. Merchants pay less. Seems simple enough. So as a merchant, the most important thing you can do is know your numbers and determine what you should be saving. This way, you can be sure your card processor is not taking advantage of you. Card issuers charge merchants an interchange fee every time a debit or credit card is used to make a purchase. These fees are determined by Visa and MasterCard and paid by merchants.
 

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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