Resources
What you need to know now.
At Heartland, we're committed to helping you manage the costs and complexities of payments processing, protect your business and your customers from data breaches and fraud — and more.
These educational articles provide useful information.
Articles
Are You Over Authorizing When Your Customers Pay by Credit or Debit Card?
Follow some helpful guidelines to prevent over authorizations from appearing as unexpected — and unwelcome — charge amounts on your customer's account.
Six Simple Steps to Reduce Chargebacks
Reduce chargebacks — credit-card transactions that get “charged back” to your business — by training employees on these easy-to-implement transaction tips.
What is Interchange, and Why is it Important to You?
Discover how different factors — such as the type of card, the kind of transaction, and the way the card information is provided — influence interchange rates.
Batch Transactions Daily to Save on Interchange — and Fines
Learn how you can benefit from settling — or batching — your transactions daily.
Reduce the Risk of Fraud on Card-Not-Present Transactions
If you accept card-not-present payments, reduce your risk of fraud by following some simple steps.
Your Business's Data Has Been Compromised. Now What?
Know what to do if your business or customer data is compromised — and how to prevent it from happening.
Keeping Tabs on Card Processing Costs
Identify — and control — potential fees, surcharges and other hidden costs that may be associated with card processing services.
Get Up-To-Date with IRS Mandates for Over-The-Counter Medical Sales
Determine if you're impacted by the latest IRS mandate requiring “non-healthcare” merchants to have an Inventory Information Approval System (IIAS) installed and operational on point-of-sale (POS) systems.
Useful Links
- Visa® Merchant Operating Regulations
- Visa Interchange Rates
- Visa Chargebacks & Dispute Resolutions
- MasterCard® Merchant Rules
- MasterCard Interchange Rates
- Discover Card web site
- American Express web site
- American Express — Restaurant Resources
- PCI Security Standards Council web site
- Visa PCI Compliance Site
- MasterCard PCI Compliance Site
- Discover PCI Compliance Site
- American Express PCI Compliance Site


