Payment Processing

Start accepting all forms of payment with Heartland today. Partner with the industry’s most secure payment processor to grow and protect your business.

  • Competitive pricing
  • No hidden fees
  • 24/7 U.S.-based customer service

Start your merchant application today:

Invested in Your Success

Heartland serves businesses of all sizes and is dedicated to helping you achieve your goals. Fairness and transparency are our core values. We created the Merchant Bill of Rights to promote fair payment processing practices on behalf of small to mid-sized business owners. We focus on customer relationships and take pride in serving as your advocate.

Ready to go beyond accepting major credit cards? Heartland offers the latest in flexible payment processing options from Apple Pay and PayPal to POS, mobile card readers… and more.

Accept Credit and Debit Payments


  • In Store
  • Online
  • Offsite

With Any Method

  • EMV
  • Apple Pay
  • Samsung Pay
  • Android Pay
  • Credit and Debit
  • Gift Cards

On Any Device

  • Tablet
  • Virtual Terminal
  • Point-of-Sale Terminal
  • Mobile Phone

Secure Credit Card Processing

With Heartland, you get a credit card processor that is dedicated to protecting your business. Heartland Secure, our card processing security solution, uses three powerful technologies—EMV, end-to-end encryption and tokenization—to protect your customer’s card data as soon as the credit or debit card is used, making all data completely useless to hackers. Process payments on your point-of-sale devices or with our online virtual terminal. Learn more about secure merchant account processing today.

Comprehensive Breach Warranty

Sixty percent of small businesses permanently close their doors within six months of a credit card breach. We’re so confident in Heartland Secure, our credit card processing security technology, that our merchants are covered by a comprehensive breach warranty. In the unlikely event that you experience a credit card breach while using a Heartland Secure-certified device, we will pay for losses, fines and fees that result from a card data breach, protecting your business from becoming part of the 60 percent. Find out how to get covered by our free breach warranty.

Next-Day Funding

Get funds faster. Heartland merchants receive funds from their credit and debit cards sales faster than ever. Regardless of the bank relationship, merchants receive their money from all card transactions the very next business day.

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.

Consolidated Statements

Heartland consolidates all of your credit card transactions into a single statement regardless of the credit card brand used, giving you a single view of your transactions. No more surfing through multiple statements.

No Hidden Fees

Other credit card processors mislead merchants by hiding extra fees and surcharges in confusing contracts and statements. At Heartland, fairness and transparency are our core values. It defines who we are and how we do business as your advocate. With Heartland, merchants can count on an easy-to-read credit card statement that clearly shows how much they paid and what they are accountable for. This way, merchants know which fees were sent to the card brands, and the amount collected by Heartland—full disclosure and transparency.

Real-Time Merchant Account Reporting

At no additional charge, Heartland customers have online access to their merchant account 24/7/365. InfoCentral is Heartland’s robust online portal that gives you complete visibility into your transactions. No more waiting on credit card statements in the mail. With Heartland’s web portal, merchants can check batches, deposits and transactions, run reports, download data, view monthly statements and order equipment, all in real time. Heartland also makes it easy for card processing merchants to quickly and easily solve disputes through direct communication with our dispute resolution team via InfoCentral on your desktop or mobile device.

24/7 Customer Support

Heartland delivers best-in-class customer service. Our U.S.-based service center provides live customer support 24/7/365, with calls answered in less than ten seconds on average. Unlike other 24/7 support lines, Heartland doesn’t use a ticket system that requires waiting for a resolution. A customer advocate immediately addresses our merchants’ inquiries.

Merchant Bill of Rights

If you accept credit, debit or prepaid cards, you have the right to know where your money is going. Heartland revolutionized the industry by empowering small and mid-sized businesses to understand all card processing costs. Heartland has published the Merchant Bill of Rights, proposed as an industry standard, which encompasses ten core rights that Heartland feels every merchant should receive from their processor. Know your merchant rights by visiting today.

Better Business Bureau A+ Rating

Heartland is an accredited member of the Better Business Bureau and has received its highest A+ rating.

POS and e-Commerce Integration

Do you already have hardware or point-of-sale software that you like? No problem… Heartland’s payment processing technology integrates with hundreds of vendors and software programs. Already have an e-commerce site or are you looking to start taking credit card payments online? We can make that happen, too.

Free Account Reviews

Heartland’s client managers will analyze your statements after the first year and make recommendations on ways that you can save on transaction fees. You may also call in anytime and request a review.

Resource Library


Don’t Let EMV Chargebacks Cut into Your Profits

Learn the EMV rules and best practices to keep fraud from impacting your profits.

How the Checkout Line Can Make or Break a Great Customer Experience

Create a quick, easy and positive payment experience that will keep customers coming back.

A New Scam All Business Owners Need to Recognize

Criminals’ methods to steal your money are constantly evolving. Learn about the new fraud strategy hitting merchants hard this year.


Tips for Staying Secure Without EMV [Infographic]

Merchants who are not EMV-ready should take extra security precautions to avoid costly chargebacks. Here’s how to spot a fake credit card.

Give the Perfect Gift… Virtually [Infographic]

Customer demand has driven many merchants to sell gift cards online in addition to in-store. Learn how digital gift cards can ring in big profits.

Simple Guide to the EMV Liability Shift

Learn the who, what and why of the October 2015 shift.

White Papers

Three Red Flags to Look For on Your Card Processing Statement [e-book]

Is your credit card processor using deceptive practices that could be eroding your profits?

The Sun Hasn’t Set After the EMV Liability Shift [e-book]

Whether you have chosen to upgrade or are still trying to decide if you should become EMV-ready, there is more to consider.

EMV and Restaurants

Potential benefits of implementing an EMV solution and high-level information guiding you to a successful EMV implementation for restaurants.

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