The payment processing customers want

In-person or online, tableside or contactless, accept all the ways customers want to pay and provide a consistent checkout experience that keeps them coming back.
Start processing with us
A coffee shop barista takes a customer payment using a Heartland point of sale system. The customer smiles at the barista as they wait for payment.

An icon of a laptop computer with a dollar sign on the screen and a globe in the top left.

Accept all payment processing methods
Take any payment including online payments, ACH, payment gateways, credit and debit cards, digital wallets like Apple Pay, PayPal and more.

An icon of a cellphone with wifi lines atop it.

Take payments on any device
Mix and match devices so customers can pay wherever they are — card reader, POS system, mobile device, and virtual terminal.

An icon of a wall clock with lines coming off of it, indicating speed.

Get paid faster without pesky paperwork
Save time, money and get paid faster with electronic billing and invoicing with accounting sync.

Flexible payment options for small business

Two small business owners wearing aprons review the business statements for their cafe.
Security and fraud protection

Protect card data and maintain PCI compliance with tokenization and end-to-end encryption paired with EMV-enabled hardware.

Why PCI compliance matters
A man sits in a chair with a laptop computer on his lap with a cellphone in his hand, talking with Heartland’s 24/7 customer service.
Always-on customer support

Get expert, 24/7 customer service from knowledgeable support reps based in the US.

The support you deserve
A man wearing glasses and a denim button-up shirt holds a tablet, where he’s using his hand to swipe to read content.
Same day, next-day and instant funding

Stop waiting several business days for credit card transaction deposits to hit the bank account. Get your money instantly, same-day or next-day.

Get paid ASAP
A woman takes a contactless payment with a cell phone in one hand and a credit card in another.
Chargeback management

Save time with intelligent dispute response. Compile and link chargeback defense evidence for card networks in a few clicks.

Prevent costly chargebacks
A female customer smiles as she hands a barista her credit card.
Surcharge program

Offset the costs of credit card processing fees through an automatic card-brand-approved transaction fee.

Start saving with surcharge
A plant store owner uses a Heartland Register to take the payment of a customer who is purchasing a succulent planter.
Fast transactions with outage protection

Depend on minimal downtime, speedy transactions and offline processing.

The support you deserve

An icon of two credit cards stacked on each other.

Why accept credit cards?

Never miss a sale by accepting the most popular payment methods, including Visa, Mastercard, American Express, EMV chip cards, digital wallets, and more.

Credit card payments features

An icon of a magnifying glass with a dollar sign in the center of the glass.

Transparent pricing and fees

Unlike other payment processors, we pass through interchange at true wholesale cost to merchants without inflated costs, markup or hidden fees.

See how to save

An icon of a traditional-looking bank with a percent sign at the bottom-right.

Rate structures built for your business

We offer flat rate and interchange plus pricing structures for accepting payments — choose what makes sense for your business.

Discover pricing

An icon of a certificate with a seal.

Merchant Bill of Rights (MBOR)

Business owners deserve fair and transparent payment processing services. That’s why we created the Merchant Bill of Rights.

Know your merchant rights

Functionality to build your business

An image of Heartland Retail, a cloud point of sale system that has features built for retailers, by retailers.
Point of sale
Learn more
A laptop computer displays Heartland’s online payments portal.
Ecommerce
Learn more
An image of a cellphone with the Heartland Mobile Pay app along with the mobile card reader.
Mobile
Learn more
An image of Heartland’s wireless Terminal+. This handheld point of sale system lets you run your business from the palm of your hand.
Terminal
Learn more
Data Security in Fintech1
Fintech security for small businesses

Protecting customer card information isn’t just the right thing to do — it’s part of your merchant agreement with card networks. We'll walk you through everything you need to know.

Preventing data breaches 101
Payment processing FAQ

No doubt about it, payment processing is complex. We’ve answered frequently asked questions based on the MBOR to re-affirm your rights to transparency, competitive pricing from payment service providers.

Get your questions answered
Mobile Phone and Bank Header Graphic
Beginner’s guide to credit card transaction lifecycle

Card issuing banks, payment processing companies, merchant banks… there’s a lot of players. Learn about all the different entities and steps in a credit card transaction.

Credit card authorization guide

Make payment processing work for you

All fields required

By signing up, I agree to the Heartland Payment Systems Privacy Notice and Terms of Use.