Payment Processing

Process Payments with Confidence

Fair, transparent pricing and data security that sets the industry standard. Heartland’s innovative card payment processing solutions help entrepreneurs like you succeed.

Secure Card Processing

Heartland Secure is the most secure card processing solution in the industry, backed by a comprehensive warranty. We use innovative credit card security technology – Europay MasterCard Visa (EMV), end-to-end encryption and tokenization – to protect your customer’s credit card data as soon as the card is used, making all card data completely useless to hackers. Learn More

The Relationship Between PCI, Encryption and Tokenization:
What you need to know

There is a lot of confusion and misinformation on the Internet on the subject of encryption and the impact of tokenization on reducing Payment Card Industry (PCI) compliance scope. This white paper is intended to aid merchants and those companies accepting card payments by clarifying what is and what is not in PCI scope as related to encryption and tokenization.

Heartland Secure

Heartland Secure™ is a comprehensive card data security solution that combines three powerful technologies working in tandem to provide merchants with the highest level of security available against card-present data fraud. Learn how this comprehensive data security solution can provide you with the highest level of security.


Your customers are looking for simplicity and flexibility when they make purchases. The OptBlue card acceptance process through American Express offers just that—for you and your customers. With OptBlue, you’ll get a competitive rate, receive your funds faster than traditional American Express settlements, and you’ll receive one statement for all card brands to save you time. Now you can accept and process American Express card transactions the same way you do all other payment processing from major networks. And because it’s through Heartland, you will benefit from fair and transparent pricing.

Interchange Plus Pricing

At Heartland, transparency drives everything we do. That’s why we offer Interchange Plus pricing, giving you full disclosure into how much you’re paying us and how much goes to the card brands. This protects you from arbitrary price increases and ensures that you receive the full benefit of cost reductions, such as the Durbin Amendment savings.

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