Data Security

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You don’t have to be a target

That’s why Heartland has created industry-leading security solutions to keep you—and your customers—safe. We can provide the right tools to protect your business. We take security very seriously and will be your advocate and ally in safeguarding your data.

Heartland Secure White Paper

Heartland SecureTM is a comprehensive card data security solution that combines three powerful technologies working in tandem to provide merchants with the highest level of security available against card-present data fraud. Learn how this comprehensive data security solution can provide you with the highest level of security.

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The Relationship Between PCI, Encryption and Tokenization:

There is a lot of confusion and misinformation on the Internet on the subject of encryption and the impact of tokenization on reducing Payment Card Industry (PCI) compliance scope. This white paper is intended to aid merchants and those companies accepting card payments by clarifying what is and what is not in PCI scope as related to encryption and tokenization.

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Heartland Secure

Heartland Secure is the most secure card processing solution in the industry, backed by a comprehensive warranty. We use three powerful technologies—EMV, end-to-end encryption and tokenization—to protect your customer’s card data as soon as the card is used, making all data completely useless to hackers.

See our Heartland Secure page to learn more!

Industry-leading breach warranty

Heartland is confident in its solutions and committed to improving card data security. Demonstrating this commitment, we offer an unprecedented breach warranty to all merchants who are Heartland Secure and employing Heartland Secure-certified devices—for as long as they’re processing payments with us, at no additional cost.

EMV and the liability shift

The nationwide shift to EMV-enabled cards—also known as chip or smart cards—is well underway, greatly reducing the chances you’ll receive a counterfeit payment at your place of business. With EMV acceptance comes a liability shift. On October 1, the party with the least secure technology will be responsible for chargebacks and fraudulent transactions. If you do not have an EMV-ready credit card terminal, you could be accountable. While not mandated, EMV compliance is recommended to avoid costly fees and potential loss of business.

PCI compliance

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that all businesses that process, store or transmit credit card information maintain a secure environment. That means if you accept card payments, you must be compliant with these requirements.

Our Heartland Secure technology eliminates Payment Application Data Security Standard (PA-DSS) and minimizes PCI scope by encrypting card data within a secure acceptance device, taking the card data out of the transaction and the business’ systems. No card data. No risk.

Out of scope

An out-of-scope system completely separates the POS from the card data. When out of scope, the POS transmits transaction details to an EMV terminal. The terminal securely communicates with the processor, then passes a response back to the POS. Since the POS never receives sensitive cardholder data, it is out of scope and less exposed to cybercriminals.

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