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

  • Are you on the Radar?
    As I sat in the airport early this morning watching planes full of travelers disappear into the low cloud cover, I was reminded of the importance of radar. When you are on the radar of someone you respect and follow, you get the advice, leadership, mentorship and awareness you need to achieve your highest potential.
  • EMV Compliance: What you Should Know When Getting Started
    What is EMV compliance, why does it matter and why should you care? If you're a business that accepts credit or debit cards for payments, EMV compliance has probably been something that you've thought about often since it was originally enacted back in 2015.
  • Empowerment vs Enablement – A Leadership Conundrum
    As a leader, there are important responsibilities that naturally come along with the job. These responsibilities may vary depending on your role as a leader, but one of the assumed responsibilities every leader has is the development of those around them.
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.