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Credit & Debit Card Processing

Heartland offers a complete suite of payment solutions specially tailored to the needs of retailers, restaurants, and the hospitality industry. We process all major credit cards, 24-hours per day, every day of the year.
  • Visa
  • MasterCard
  • American Express
  • Diners Club
  • Discover
  • JCB
Transactions involving these cards are efficiently processed on all major processing networks including our own, state-of-the-art HPS Exchange.

The Heartland Difference

As one of the nation's leading payment processors, Heartland handles all elements of both credit and debit card transaction processing offering a host of services that make one-stop payment processing a reality for our merchants.

  • Full disclosure pricing strategies
  • Simplified paperwork for quick approval
  • Easy-to-read processing statements
  • Help Desk available 24-hours per day, 365 days a year
  • Local Relationship Managers knowledgeable about the industries we serve
And, most importantly, you have access to a real person in your community...your local Heartland Relationship Manager. These individuals depend on your continuing satisfaction for their ongoing success and they are there to help you with questions, training and any other issues that may affect your credit and debit card transactions.

Heartland's Merchant Center

You have secure, online access to your account activity from any computer with an Internet connection. You also have 24-hour, toll-free phone access to our customer service team to help you with any technical questions you may have.

Heartland's online Merchant Center gives you instant access to your account activity including:
  • Online Statements - all of your statements sorted by date or card type for printing or reviewing online
  • Chargeback & Retrieval Activity - a complete history of your business' past and current activity
  • Batch Details - a full list of processed batches with individual transaction details
  • Deposits - summary and details including date, debit and credit numbers and amounts
For a look at the many other features available, take the Merchant Center Tour by clicking on the tour graphic above.

Additional Benefits

Additionally, Heartland provides the following time and money-saving benefits to you:
  • Fraud monitoring services to minimize potential losses
  • Assistance in resolving disputed transactions
  • Fully disclosed fees and agreement terms
  • Simple, clear monthly statements
  • Specialized applications for restaurants and hotels/resorts
  • Automatic or manual batch closing


 
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