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.

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.

Take payments on the go

Ditch the hardware with virtual terminal

Payroll Processing

Tax Filing - Federal, State, Local

Tax Payments - Federal, State, Local

Payment Options - Check, Direct Deposit, Pay Card

New Hire Reporting

Child Support Reporting

Garnishment Support

Payroll Reporting - Standard, Exports, Custom

Employee Mobile Access

Live, Dedicated Support

Onboarding for New Hires, Integrated with Payroll

Employment Verification

Electronic Submission of New Hire Documentation

Work Opportunity Tax Credit (WOTC) Screening

Job Postings to Top Job Boards*

Text to Apply

Candidate Screenings*

Applicant Tracking

HR Library

HR Tracking - Training, Certifications, IDs, etc.

Employee Handbook Builder

Job Descriptions

Labor Law Posters

Live HR Support

Choose the plan that’s right for you 

Essential/Adv/Complete

Essential       Advanced       Complete

How do I start accepting payments?

It only takes a few simple steps for small businesses to start accepting credit card payments. You’ll just need the following information:

What payment types should small businesses accept?

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.

Why customers love Heartland payment systems

Choose the right retail POS features for you 

Essential/Adv/Complete

Payroll Processing

Tax Filing - Federal, State, Local

New Hire Reporting

Child Support Reporting

Garnishment Support

Employee Mobile Access

Live, Dedicated Support

Employment Verification

Job Postings to Top Job Boards*

Text to Apply

Candidate Screenings*

Applicant Tracking

HR Library

Employee Handbook Builder

Job Descriptions

Labor Law Posters

Live HR Support

Tax Payments - Federal, State, Local

Payment Options - Check, Direct Deposit, Pay Card 

Payroll Reporting - Standard, Exports, Custom 

Onboarding for New Hires, Integrated with Payroll 

Electronic Submission of New Hire Documentation 

Work Opportunity Tax Credit (WOTC) Screening 

HR Tracking - Training, Certifications, IDs, etc. 

Essentials              Complete

When we say user-friendly, we mean it

Everything you need in a payment processor

Got a question?

Plan options starting at $89/month

We're the best POS system for retail on

Choose the right retail POS features for you 

Essential/Adv/Complete

Payroll Processing

Tax Filing - Federal, State, Local

New Hire Reporting

Child Support Reporting

Garnishment Support

Employee Mobile Access

Live, Dedicated Support

Employment Verification

Job Postings to Top Job Boards*

Text to Apply

Candidate Screenings*

Applicant Tracking

HR Library

Employee Handbook Builder

Job Descriptions

Labor Law Posters

Live HR Support

Tax Payments - Federal, State, Local

Payment Options - Check, Direct Deposit, Pay Card 

Payroll Reporting - Standard, Exports, Custom 

Onboarding for New Hires, Integrated with Payroll 

Electronic Submission of New Hire Documentation 

Work Opportunity Tax Credit (WOTC) Screening 

HR Tracking - Training, Certifications, IDs, etc. 

Essentials              Complete

Plan options starting at $89/month

Intuitive, customizable UI

Delight staff with a platform that's quick to learn, easy to operate and customizable for different retail environments.

How does a small business benefit from accepting credit card payments?

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.

Customize the perfect POS solution for your business needs

Customize your retail management system with any combination of our marketing, ecommerce, business management and other specialized integrations. And as trends and tech change, you have the flexibility to add on new apps.

See the full list of add-on apps >

Real customers, 

real results

What we love about Heartland is the ease of operations. Our old point of sale was constantly going down and required an IT pro for support. With Heartland Retail, support is simple and on demand.

It makes running our gift shop a little bit easier every day.

- Keystone Tractor Museum

Ensure equal access and usability for everyone with an ADA-compliant POS system that supports multiple languages.

Committed to accessibility

Flexible cloud POS software

Sell and run your back office ops from anywhere with cloud-based features - no complicated remote logins or workarounds required.

Download our guide to

about Heartland POS

• 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

We won't leave you in the dark

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.

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.

Cut costs with stress-free surcharging

How do I choose a credit card processor for my small business?

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.

How long does it take for a small business to receive funds from credit card transactions?

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.

What kind of costs and fees are involved with credit card 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

Credit card processing without the surprises

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

Credit card processing you can count on

From big retail chains to family owned restaurants, companies all over the US trust us with their payments. Not all payment processors are equal.

“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.”

You'll be in good company

Don't just take our word for it