EMV and Small Merchants: What you need to know

This white paper helps define what EMV is and why it’s important for small to mid-size businesses. To learn more about how EMV will affect you, download the white paper below.

What's New in the Industry

  • Raising Cane’s Keeps on Rising
    Raising Cane’s is the product of creative thinking forced by the need to fill a college tuition hole. With his son about to enter his senior year of college, the father, who ran a marketing company, decided to invent some business. The father-son duo found a young man in Baton Rouge with a simple, yet elegant restaurant concept built around a homemade recipe for chicken fingers. The restaurant needed marketing help, the marketing company needed a client...
  • The Merchant Bill of Rights: A Sleep Aid
    The rare American company survives for 100 years. It’s rarer still in the restaurant business. According to Credit Suisse, the average lifespan of a company in the S&P 500 has declined from 60 years in the 1950s to less than 20 years currently. Technology’s “disrupting force” is to blame....
  • April Card Brand Changes Have Arrived, No Signature Required
    Every April and October, the four major card brands (Visa, MasterCard, American Express and Discover) make policy changes to their interchange fees....
Payment Processing

Payment Processing

Whether your retail business is small or large, success can hinge on finding simple and effective payment processing software. While you’re busy managing inventory, supervising employees and taking care of your customers, let Heartland be your payment processing partner so you can focus on what matters most.

Mobile Payments

Give your customers the convenience to pay the way they want. With Heartland’s mobile payment processing solutions, you can keep the line moving while keeping up with the latest payment trends. We offer reliable security, easy-to-install hardware and downloadable apps.


It’s hard to focus on growth if you’re busy processing payroll, all while managing customer expectations. At Heartland, we provide complete payroll management services for your store—so you can get back to doing what you love. Our full-service retail payroll software will offer secure, reliable solutions you can trust.


Use your Internet-connected PC or device to process credit, debit and prepaid commercial cards quickly and securely. Portico provides an inexpensive way for you to accept payments and replaces stand-alone payment terminals that require dedicated phone lines. Portico can be used to process card-present and card-not-present transactions.

Gift Card

Gift cards get customers in the door and encourage them to come back. We can help you increase your profits and gain more loyal customers with our merchant gift card program for store owners. From customization to reloading capabilities and more, Heartland has the solutions you need. Plus, you can always count on our reliable security.

Loyalty Program

Loyalty marketing programs keep your store’s brand at the forefront. You’ll be able to turn good customers into loyal customers by incenting them through rewards-based marketing. Loyalty programs build relationships and increase customer frequency.


Efficiency and simplicity in point-of-sale systems is vital for your success. That’s why we offer a full suite of retail POS software and hardware that allows you to more efficiently manage your store.


When growing your store, there’s always something that needs to be done. Something to buy. Someone to hire.

That’s why Heartland offers loan assistance for retail owners. We’ve partnered with multiple sources as part of our retail loan program so you can get the funding you need at the terms you want, all while working with a company you know and trust.


Heartland’s InfoCentral—your one-stop shop for all your reporting needs—provides you with great features to help you manage your retail operation. View your store’s performance, review sales and transactions, monitor batches and deposits, receive real-time notifications and much more—at no additional fee when processing with Heartland.

24/7 Customer Service

Heartland provides award-winning customer service, with a knowledgeable, responsive team. Based in the U.S., we are available 24 hours a day, seven days a week.

Ready to get started?

With more than 300,000 Heartland customers across the U.S., there is a sales professional in your area.
Or, call 1.888.963.3600 to speak to a member of our Customer Service team.