Credit card processing without the surprises

A scalable payment processing system backed by a suite of flexible features

Your ideal payment processing provider is just a click away

Forget waiting several business days — improve cash flow with instant payment processing software that can deposit transactions in your bank account right away, the same day or next-day.

• Say goodbye to cutoff windows with instant, same-day funding 365 days a year, including weekends and holidays
• Turn instant deposit on or off and transfer up to $10,000 per request as often as you like
• Skip the stress and schedule recurring deposits — we’ll automatically transfer your money at close of business

Run credit card payments in-person, over the phone or on your website using the device of your choice, including card terminals, point of sale solutions, ecommerce and mobile options.

• Turn any computer into a virtual terminal and securely process card-not-present transactions
• Get paid on the go with a mobile card reader for your phone or a wireless, handheld point of sale
• Accept online payments with ecommerce functionality that integrates directly into your online store

Keep pricing and margins competitive by recouping credit card processing costs from your customers at checkout through a surcharge fee.

• Earn 100% of your published price and save thousands annually
• Rest easy knowing your surcharge program is compliant with card brand rules and state and federal regulations
• Ensure accuracy with smart, surcharge-enabled terminals that calculate surcharge fees for you

Get paid faster with automated paperless billing and invoicing options that make it convenient for customers to make payments — from anywhere.

• Set up a customized site hosted by Heartland for effortless online payment processing of almost any bill type
• Improve the customer experience with timely automated payment reminders and card expiration notices
• Simplify subscription payments with smart weekly, monthly or quarterly management options

Hear what entrepreneurs are saying about Heartland

You’ll be in good company

Prices starting at 2.6% + 10¢ for in-person transactions

Your choice of payment device

Take any payment, any way

Surcharge program

Cut costs with stress-free surcharging

eBilling and invoicing

Make it easy for your customers to pay

Next-day funding and instant deposits

Get your money in seconds, not days

Get access to 24/7/365 live customer service from a knowledgeable, US based support team. Whenever you have a question, our experts are ready to help.

Always-on customer service

Transparent pricing and fees

Budget for business credit card processing fees with predictable, customized pricing that makes sense for your business. We offer flat rate and interchange plus pricing.

Enjoy peace of mind knowing your credit card processor uses end-to-end encryption, tokenization and secure EMV technology to protect card data and prevent fraud.

Security and fraud protection

“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.”

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.

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.

Get paid faster without pesky paperwork

Save time, money and get paid faster with electronic billing, invoice and payment processing.