Secure Payment Processing

Protecting you and your customers from security risks

Security is the foundation of all electronic transaction processing. Heartland® leads the electronic payments industry and is committed to helping keep you and your customers safe from the very real threats of credit card fraud and identity theft.

EMV

EMV uses embedded microchip technology for authenticating credit and debit card transactions. It has been adopted by all major card brands and is currently used in more than 80 countries, including the United States. Its adoption worldwide is considered to be critical to the development of a more secure payments industry and Heartland offers several chip-enabled terminals.

Fraud and Protection

Credit card fraud continues to be a major threat to all businesses – one that has potentially crippling financial implications. Of major concern are card-not-present transactions, such as those handled by online and mail order/telephone order merchants. Heartland's secure payment processing helps keep you, your business and your customers safe from fraudsters and thieves.

Near Field Communication

Near field communication (NFC) is short-range wireless technology that allows equipped devices to communicate with each other. This contactless, “tap and go” technology is used for mobile contactless payments at attended point-of-sale locations and unattended locations, such as vending machines that use the existing merchant payments

Breach Protection

Heartland can help you minimize your risk of a data breach.

Payment Processing Industry Regulations

Electronic payment processing is a highly regulated industry because it deals in sensitive and private personal financial information. The goal of these regulations is to protect all parties involved in electronic transactions – cardholders, merchants, processors and the issuing banks – from identity theft and fraud.

Heartland works to stay current and compliant with all regulations, and we believe our merchants should, too.

We provide information to help merchants stay up to date on regulations that directly affect them, including:

IRS Mandate

Merchants are required to report their annual gross payment card transactions processed by credit, debit or co-branded cards and third-party network transactions to their merchant services providers, who pass the information along to the IRS.

Durbin Amendment

Implemented rules have lowered the debit card interchange fees that the Visa and Mastercard networks charge merchants.

PCI Compliance

The Payment Card Industry Data Security Standard (PCI DSS) encompasses a set of requirements that help ensure all merchants who process, store or transmit credit card information maintain a secure transaction environment.

PCI Compliance for Electronic Transactions

PCI compliance simply means adherence to the Payment Card Industry Data Security Standards, or PCI DSS, which are administered by the Payment Card Industry Security Standards Council (PCI SSC). The council was established in 2006 by the major payment card brands – including Visa®, Mastercard®, Discover® and American Express® – to manage security standards for electronic transactions.

It is the responsibility of all parties to payment card processing – including businesses, merchant services providers, financial institutions and card issuers – to keep the process safe by achieving and maintaining PCI compliance.

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