Less fees, faster payments.
Using ACH for your business just makes sense.
Payment processing
Accept all the ways customers want to pay with a consistent, convenient checkout experience that keeps them coming back.
Billing and invoicing
Go paperless and get paid faster thanks to automated billing and invoicing that helps save time and reduce errors.
Capital lending
Get fast and hassle-free capital that connects business owners to the best loan types and terms with expert funding advisors.
©2023 Heartland, a Global Payments company (NYSE: GPN). All rights reserved.
Heartland is a registered ISO of Wells Fargo Bank, N.A., Concord, CA, and The Bancorp Bank, Philadelphia, PA.
Heartland Payroll Solutions, Inc. NMLS# 1799654
Accept payments any way that you want too
Getting paid has never been easier. Enjoy fast, flexible ACH processing alongside all other payment types, so you can boost sales, satisfy customers and save time.
- ACH
- Credit card payments
- Debit card payments
- Gift cards
- Digital wallets
- Mobile payments
- QR codes
- Checks and eChecks
- Online payments
Whatever you need, we're here to help
Support around the clock
Get access to 24/7/365 knowledgeable customer support from our US based support team. Whenever you have a question, our experts are ready to help.
Security and fraud protection
Process with peace of mind knowing end-to-end encryption, tokenization and secure EMV technology are working together to protect card data and prevent fraud.
PCI compliance assistance
Rest easy knowing you don’t have to navigate compliance on your own and your business is equipped with PCI-validated devices, so you can keep processing without a hitch.
Chargeback management
We deliver dispute and exception management tools to help you minimize losses from chargebacks. That means you’ll safeguard your business and save time and money.
Stress-free surcharging
Offset your credit card processing costs with our compliant surcharge program that enables you to apply a fee at checkout. Reduced card costs enable you to apply those savings toward growing your business.
Offline payments
Keep cashing in even when the power goes out. Our offline payments capabilities ensure uninterrupted sales during a power failure or other network disruption.
Enhanced reporting
You don’t have to operate in the dark — make better decisions with the right data. Get reporting and analytics on transaction sales history, payment history and batching reports.
Frictionless integration
With simple APIs, a software development toolkit and dedicated support, our payment processing solutions ensure easy setup, and smooth sailing for developers too.
Much cheaper than credit and debit cards
No more delays due to paperwork
Pay less processing fees and increase your profit
When cards expire, it doesn't matter
Set up recurring payments with ease
Invoices
Wave goodbye to the days of manual data entry and snail mail slowing you down. Use customizable invoice templates to create professional invoices in a few clicks. When you’re ready, send invoices or pay by links via text, QR code or email in seconds.
Estimates
Still working out the details with your customer? Go from estimate to invoice without a hitch. Easily build estimates breaking down total costs of your job, product or service and seamlessly convert them into invoices when the time is right.
Reconciliation
You don’t need to hire an office manager to reconcile the books. Rest easy knowing invoices and payments will sync with your QuickBooks® Online accounting software — no matter when or where the payment happens.
Faster payments means better cash flow
Unlock lower processing fees
Reduced paperwork and admin
Easy to set up scheduled payments
Why do businesses prefer ACH payments?
ACH payment processing is the most cost-effective method for the electronic transfer of funds. Automation increases cash flow and can lead to big savings — especially when collecting recurring payments.
ACH eliminates paper invoices, paper checks, delays due to bounced checks and time-consuming trips to the bank.
Checking accounts don’t have credit and debit cards that expire. Merchants see less churn and fewer declines by leveraging ACH payment processing.
With recurring billing, busy customers don’t have to constantly keep an eye out for incoming bills or take action when payments are due — everything runs on autopilot.
Customer is billed
Customer initiates payment by providing authorization and necessary financial institution information to the merchant
ODFI (Originating Depository Financial Institution) debits the customer’s account and sends the ACH file to the Federal Reserve System
The Federal Reserve routes the ACH file to the receiving bank or depository financial institution (RDFI)
RDFI processes payment
Payment clears and the merchant has access to the funds
How ACH payment processing works
We make ACH payments really simple. It's kind of our thing.
• Simple set up
• Faster payments
• Less fees per payment
“Heartland has been so transparent, and it makes for a smooth and open and honest relationship, and we feel like it’s something that we can trust.”
Denise Tran, Bun Mee
“As a business owner, every week is different. The relationship with Heartland has always been very immediate when we need answers to questions. The most valuable part of that was how quickly they got us up and running.”
Jeff Jacobs, Carrol’s Creek
Rusty White, Wrong Iron
“Heartland is a great partner to have for the business that I have now, but also for the ones I want to start in the future. It’s very comforting to know that I can take them along with me.”
Don't just take our word for it
Free your money
Stop waiting for your money to land in your bank. Get paid on your schedule with instant, same-day and next-day funding. With ACH payments, you also benefit from lightning-fast transfers and flexible deposit options.
Strengthen your security against fraud
Checks aren’t just slow —they’re a security risk. A recent AFP study found that 63% of businesses faced fraud through checks, with 44% unable to recover their losses.
Payments through ACH are much more secure, meaning you're less likely to be part of the 44% who got nothing back.