Merchant Bill of Rights
As a small business owner, you deserve transparency
Small business owners face more headwinds these days than ever before. One of those challenges shouldn’t be payment processing. Promoting transparent and fair credit, debit and prepaid card processing is in Heartland’s DNA. It’s why we first published The Merchant Bill of Rights back in 2006. We firmly believe these rights are self-evident and should be the industry standard.
Your rights as a merchant
Knowing your rights can help you better advocate for your business to potentially save on processing. You deserve to know how payment processing works, why it costs money, how to tell if what you’re paying is fair, and how to pick a good provider. Let’s walk through your Merchant Bill of Rights.
Your guide to the ‘Merchant Bill of Rights’
Take a deep dive into the MBOR, payment processing, and why Heartland created a bill of rights for small businesses.
The lifecycle of a credit card transaction
This beginner’s guide breaks down the credit card authorization process, including all the players and steps from swipe, dip or tap to funds hitting your bank account.
Guide to fintech security for small businesses
Accepting payments means complying with established data security standards to protect cardholders — and your business.
We honor your rights
Every entrepreneur deserves the clear and straightforward presentation of credit card costs.