Accepting credit card payments offers several advantages for small businesses like increased sales revenue, improved customer experience and the ability to accept payments remotely or online. Additionally, accepting credit cards can help businesses build their reputation and credibility by offering a payment method that customers have come to expect.
Credit card processing
without the surprises
Prices starting at 2.6% + 10¢ for in-person transactions
Why Choose Heartland?
Accept all popular cards
Enjoy fast, flexible processing for the broadest range of payment types, so you can boost sales, satisfy customers and save time.
Fast and convenient
Customers expect a quick and easy checkout. From portable checkouts, over the phone payments or on your website, we've got you covered.
Secure processing
You can rest easy knowing your payments are protected with end-to-end encryption, fraud monitoring, tokenization and secure EMV® technology.
Insightful reporting
We connect you to the data you need to make more informed business decisions. Get daily reporting on sales, payment history and more.
We're the industry experts
As the creator of the Merchant Bill of Rights, our commitment to provide you with fair, transparent credit card processing stands above the rest. We've been doing this since 1997- and setting the standard since 2006.
Quick, Clear Processing
Minimal
Downtime
Secure
Transactions
Lightning-Fast Funding
Take payments anytime, anywhere
In person
Curbside, in shop or on the go, take credit card payments wherever your business takes you. With flexible devices and contactless payment options, Heartland makes it easy for customers to pay and be on their way in seconds.
Online
Accept credit card payments online from your website or app without the hassle. Whether your customers are ordering takeout, their new favorite shoes or paying for the auto repair service you provided last week, our scalable online payment solution is designed to do it all.
We know that as an owner, you deal with all manner of surprises and complexities. That’s why we’re here to support you 24/7. Trusted by over 4.5 million merchants and more than 1,500 financial institutions worldwide: wherever you are, we’re there to help.
Everything you need in a payment processor
Take payments on the go
Keep your business running smoothly, whether you’re on the road, at a job site or hosting a pop-up event. With on-the-go credit card processing you can securely accept your customers’ favorite way to pay, anywhere. Order a new handheld point of sale (POS) or mobile card reader from us, or integrate our software with your existing mobile solution.
Automate your billing and invoicing
Put more time back in your day and money in your pocket with automated paperless billing and invoicing. From simplifying subscription payments with weekly, monthly or quarterly management options to sending customizable invoices via pay by link, text or email, we help your accounting team save time and make paying easier than ever for your customers.
Get your money in seconds, not days
Forget waiting several business days for a credit card transaction to reach your bank account. Get access to the money you’ve earned in a snap with instant, same-day or next-day deposits.* Say goodbye to cash flow delays and never worry about cutoff windows again with 365 funding, including weekends and holidays.
Access 900+ ecommerce integrations
Keep cashing in even when your customers are on their couch. We make it easy to accept online credit card payments with ecommerce functionality that integrates directly into your online store for a seamless customer experience that’ll turn browsers into buyers. Plus, our prebuilt integrations for popular shopping carts, APIs and online business platforms make setup a breeze.
Cut costs with stress-free surcharging
Keep pricing and margins competitive by recouping credit card processing costs from your customers at checkout through a surcharge fee. That means you’ll avoid card brand fines while keeping pricing and margins competitive.
No card? No problem. With Heartland, you can still make the sale. Turn any device into a virtual terminal and securely process credit card payments through your POS system, computer, mobile device or tablet even when the card isn’t present. Best of all? There’s no credit card reader, shopping cart or third-party payment gateway required.
Ditch the hardware with virtual terminal
No card? No problem. With Heartland, you can still make the sale. Turn any device into a virtual terminal and securely process credit card payments through your POS system, computer, mobile device or tablet even when the card isn’t present. Best of all? There’s no credit card reader, shopping cart or third-party payment gateway required.
We won't leave you in the dark
Transparent pricing
You deserve full disclosure about pricing structures and fees upfront. Heartland offers predictable, customized flat rate* and interchange plus pricing, so you get the plan that’s the best fit and never have to wonder about your credit card processing costs.
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Reliable support
Why argue with chatbots when you can get access to 24/7/365 live customer service? Whether you need help with chargeback management or have a question about fees, our team of knowledgeable, US based experts is ready to help.
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Training and education
You don’t have to settle for a provider who will purposely leave you in the dark. We’ll walk you through how to read your merchant statement, so you get an accurate picture of your payment processing charges and fee breakdowns.
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Got a question?
Whether starting up or scaling up, keep moving with future-forward payment solutions designed to fit every business model, from small business to enterprise.
Credit card processing you can count on
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
©2025 Heartland, a Global Payments company (NYSE: GPN). All rights reserved.
It only takes a few simple steps for small businesses to start accepting credit card payments. You’ll just need the following information:
- Your industry category – make sure that you’re not considered a “high risk merchant”
- Whether you plan to sell via in-person transactions, online or both
- Number of locations
- How you accept transactions: on a terminal or card reader, or through your website or your own software
- Types of payments you’d like to accept: credit cards, ach, google pay™, apple pay®, gift cards, ebt, etc.
- How quickly you would like to receive your funds
- Estimated annual volume – it’s ok if you’re not sure if you’ll be a low-volume or high-volume business, just a ballpark estimation is needed
- Estimation of card present, in-person transactions
- Estimation of card not present transactions made over the phone or through your online store
When choosing a credit card processor, small businesses should consider factors like the processor's reputation and reliability, the range of payment methods supported, the system's ease of use and the level of customer support provided. It's also important to ensure that the processor is compatible with the business' point of sale system, offers transparent pricing and meets all necessary security and compliance requirements.
Beyond credit cards, customers expect small businesses to provide a convenient checkout experience that allows buyers to use their choice of payment method. Heartland helps you accept all the ways your customers want to pay, including credit cards, debit cards, gift cards, mobile wallets, QR codes, ACH, checks and eChecks, online payments and more. With fast, flexible processing that supports the broadest range of payment types, you’ll boost sales and satisfy customers — whether you’re in store, online or on the go.
The time it takes for a small business to receive funds from credit card transactions can vary depending on the processor and the type of transaction. Generally, businesses can expect to receive funds within 1-3 business days for most credit card transactions. However, some processors may offer faster or even instant deposits, and some additional fees may be associated with expedited payment processing.
Credit card processing is generally priced per transaction and can scale with your business needs as transaction volumes grow. Discussing the pricing structure and processing rates with your payments partner is important to ensure you fully understand the costs. In addition to a setup fee or early termination fee, other common fees you may see on a statement are:
- Merchant service fees: these pay for the ability to access the authorization network
- Interchange fees: charged by the credit card brands and card issuers
- Transaction fees: the amount you pay per transaction
- Discount fees: a charge payment processing companies use for passthrough payment processing services to debit and credit card companies
- PCI compliance fees: payment processors use these charges to cover the costs of security
You'll be in good company
“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
“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.”
Rusty White
Wrong Iron
Everything you need to grow your business smoothly
Take payments on the go
Keep your business running smoothly, whether you’re on the road, at a job site or hosting a pop-up event. With on-the-go credit card processing you can securely accept your customers’ favorite way to pay, anywhere. Order a new handheld point of sale (POS) or mobile card reader from us, or integrate our software with your existing mobile solution.
Get started
Ditch the hardware with virtual terminal
No card? No problem. With Heartland, you can still make the sale. Turn any device into a virtual terminal and securely process credit card payments through your POS system, computer, mobile device or tablet even when the card isn’t present. Best of all? There’s no credit card reader, shopping cart or third-party payment gateway required.
Get started
Automate your billing and invoicing
Put more time back in your day and money in your pocket with automated paperless billing and invoicing. From simplifying subscription payments with weekly, monthly or quarterly management options to sending customizable invoices via pay by link, text or email, we help your accounting team save time and make paying easier than ever for your customers.
Get started
Get your money in seconds, not days
Forget waiting several business days for a credit card transaction to reach your bank account. Get access to the money you’ve earned in a snap with instant, same-day or next-day deposits.* Say goodbye to cash flow delays and never worry about cutoff windows again with 365 funding, including weekends and holidays.
Get started
Access 900+ ecommerce integrations
Keep cashing in even when your customers are on their couch. We make it easy to accept online credit card payments with ecommerce functionality that integrates directly into your online store for a seamless customer experience that’ll turn browsers into buyers. Plus, our prebuilt integrations for popular shopping carts, APIs and online business platforms make setup a breeze.
Get started
Cut costs with stress-free surcharging
Keep pricing and margins competitive by recouping credit card processing costs from your customers at checkout through a surcharge fee. That means you’ll avoid card brand fines while keeping pricing and margins competitive.
Get started
Take payments on the go
Keep your business running smoothly, whether you’re on the road, at a job site or hosting a pop-up event. With on-the-go credit card processing you can securely accept your customers’ favorite way to pay, anywhere. Order a new handheld point of sale (POS) or mobile card reader from us, or integrate our software with your existing mobile solution.
Ditch the hardware with virtual terminal
No card? No problem. With Heartland, you can still make the sale. Turn any device into a virtual terminal and securely process credit card payments through your POS system, computer, mobile device or tablet even when the card isn’t present. Best of all? There’s no credit card reader, shopping cart or third-party payment gateway required.
Automate your billing and invoicing
Put more time back in your day and money in your pocket with automated paperless billing and invoicing. From simplifying subscription payments with weekly, monthly or quarterly management options to sending customizable invoices via pay by link, text or email, we help your accounting team save time and make paying easier than ever for your customers.
Get your money in seconds, not days
Forget waiting several business days for a credit card transaction to reach your bank account. Get access to the money you’ve earned in a snap with instant, same-day or next-day deposits.* Say goodbye to cash flow delays and never worry about cutoff windows again with 365 funding, including weekends and holidays.
Access 900+ ecommerce integrations
Keep cashing in even when your customers are on their couch. We make it easy to accept online credit card payments with ecommerce functionality that integrates directly into your online store for a seamless customer experience that’ll turn browsers into buyers. Plus, our prebuilt integrations for popular shopping carts, APIs and online business platforms make setup a breeze.
Cut costs with stress-free surcharging
Keep pricing and margins competitive by recouping credit card processing costs from your customers at checkout through a surcharge fee. That means you’ll avoid card brand fines while keeping pricing and margins competitive.