The purpose of payment processing is to move transaction data through the stages of the card authorization network. This transaction process makes paying and getting paid via non-cash payment methods possible.
Payments Manager+ gets you paid faster and puts more money in your pocket
Credit card payments
Debit card payments
Gift cards
Checks and eChecks
Mobile payments
QR codes
ACH
Online payments
Accept all the ways your customers want to pay
Getting paid has never been easier. Enjoy fast, flexible processing for the broadest range of payment types, so you can boost sales, satisfy customers and save time.
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.
Take payments anytime, anywhere
As an owner, you deal with all manner of surprises and complexities. You more than likely have a to-do list a mile and long and not enough time to complete it. That's why you need a payments solution designed to keep up with your busy schedule and work for you even when you're off the clock.
Contactless payment options customers will love
Tap to pay
No need to insert or swipe credit and debit cards -customers can make touch-free payments with a single tap to your point of sale or card reader.
Digital wallet
Patrons wanting to pay with their digital wallets? Whether they use Google Pay or Apple Pay, mobile phone or smart watch, we got you.
Pay by link
Generate an invoice and send a secure pay by link via text, QR code or email straight to your customers' phones.
Got a question?
Payment processing is a technology businesses use to accept electronic payments from customers. It’s essentially a series of steps that take place behind the scenes when a customer electronically authorizes funds to be transferred from their account to the seller’s account.
After a customer makes a purchase via credit/debit card, the payment processor sends an authorization request to the acquirer. The acquirer then routes the transaction request through the issuing bank for approval
From there, the issuer verifies the transaction is valid, whether the cardholder account has sufficient funds and if the merchant’s account is in good standing. If the transaction is denied, the purchase ends here. If the transaction is approved, the merchant receives authorization and the issuer places a hold for the appropriate amount on the customer’s account.
The acquirer collects the funds from the issuer and deposits them in the merchant’s bank account. The acquirer bills the merchant for all interchange fees and related transaction fees or processing fees. Finally, the cardholder pays the issuer for the purchase, including any interest and fees.
PCI DSS compliance is the set of security standards all businesses that accept debit card payments or credit card payments must abide by in order to safeguard cardholder data. These standards are set by the Payment Card Industry Security Standards Council (PCI SSC), which is comprised of card networks, including Visa, Mastercard, American Express, Discover and JCB International. If you don’t comply, you could be financially liable for the consequences of a data breach and potentially be banned from accepting card payments.
While payment processing touches many parts of the payments ecosystem, three key things happen: 1) The payment gets authorized. 2) The card issuer verifies or authenticates the payment is valid and not fraudulent. 3) The funds get transferred to the acquiring bank in the settlement process and finally get put in the merchant’s bank account.
PCI DSS compliance is the set of security standards all businesses that accept debit card payments or credit card payments must abide by in order to safeguard cardholder data. These standards are set by the Payment Card Industry Security Standards Council (PCI SSC), which is comprised of card networks, including Visa, Mastercard, American Express, Discover and JCB International. If you don’t comply, you could be financially liable for the consequences of a data breach and potentially be banned from accepting card payments.
No matter what provider you choose, you deserve to be treated with fairness, transparency and respect. That’s why we created the Merchant Bill of Rights — to help you tell the difference between a provider that has your best interests at heart and one that’s hiding behind smoke and mirrors.
Get ahead and stay ahead with Payments Manager+
Higher sales, fewer headaches
Get paid faster — invoices cleared in minutes, not days.
Unlock steady cash flow — set up recurring payments as a pathway to predictable, ongoing revenue.
Streamline your business — do less and accomplish more with invoicing automation.
Faster invoicing, faster payments
Finally, a payments and invoicing solution that does it all.
Invoice and get paid your way
Accept popular payment types
Deliver the convenience your customers crave and let them use their preferred payment method: credit card, debit card, ACH bank transfers, cash, Google Pay® or Apple Pay®
Stay on brand
Never stress about your invoicing not matching your business’ brand again. Personalize your invoices and hosted payments pages with your business name, logo and brand colors
Schedule recurring invoices
Offering paid plans or anticipating repeat payments? Schedule invoices for recurring services including memberships, ongoing projects and weekly, monthly or quarterly subscriptions.
Let Payment Manager+ do the heavy lifting
Breeze through invoicing
- Create digital invoices on demand, including one-time payments, recurring payments and estimates
- Use our online invoicing dashboard to effortlessly keep track of the status of every invoice
- Build a library of billable line items, product or service bundles and discounts
Get started
Stay synced without the stress
- Sync transaction data with QuickBooks® Online using our easy integration
- Automate your accounts receivable process and reduce errors
- Leverage our cloud-based Accounting Sync add-on — no additional software or hardware needed
Get started
Process with peace of mind
- Save on interchange fees with Level 2 and 3 processing
- Get more detailed transaction data, including customer code and tax amount to help verify authenticity
- Include line-item details, like product codes, quantities and unit prices for large B2B transactions
Get started
Gain insights into your business
- Report on payments by method, card brand, transaction source or approval status
- Filter any report by date range for a zoomed-in view — 24/7, on any device
- See customer name and ID, transaction date, payment amount and approval response on every report
Get started
Free your money
- Get paid on your schedule with instant, same-day and next-day funding*
- Benefit from lightning-fast transfers and flexible deposit options
- Enjoy 365 funding, even on holidays and weekends
Get started
- Create digital invoices on demand, including one-time payments, recurring payments and estimates
- Use our online invoicing dashboard to effortlessly keep track of the status of every invoice
- Build a library of billable line items, product or service bundles and discounts
- Sync transaction data with QuickBooks® Online using our easy integration
- Automate your accounts receivable process and reduce errors
- Leverage our cloud-based Accounting Sync add-on — no additional software or hardware needed
- Save on interchange fees with Level 2 and 3 processing
- Get more detailed transaction data, including customer code and tax amount to help verify authenticity
- Include line-item details, like product codes, quantities and unit prices for large B2B transactions
- Report on payments by method, card brand, transaction source or approval status
- Filter any report by date range for a zoomed-in view — 24/7, on any device
- See customer name and ID, transaction date, payment amount and approval response on every report
- Get paid on your schedule with instant, same-day and next-day funding*
- Benefit from lightning-fast transfers and flexible deposit options
- Enjoy 365 funding, even on holidays and weekends
Faster payments. Better cash flow.
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.
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.
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.
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.
More than payment processing
*Terms and conditions may apply. †Merchants on certain processing programs are not eligible for next-day funding; funding may be delayed by Heartland Credit or Risk departments at any time. Not all merchants or transactions will qualify for flat-rate pricing; additional fees may apply. Increases in assessments by card associations may apply.
¹Google Pay™ or Apple Pay® are only available with card-present transactions.
EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. http://www.emvco.com.
©2025 Heartland, a Global Payments company (NYSE: GPN). All rights reserved.
Get started now with no setup, service or software fees.*