Accept payments anywhere, anytime, on any device.

Whether in the store or on the go, Heartland turns more shoppers into buyers.

Multiple payment channels, maximum speed.

Whether it’s pizza or a little black dress, today’s customers expect to purchase whatever they want quickly and easily. With Heartland as your payments processor, you have a powerful system that takes your business directly to customers day or night, online or off. With our rapid authorization times and fast funding, payments go from your customers’ pockets (or phones) to your bank quickly and easily.

Security, backed by an unprecedented warranty.

With a reliable processing engine (99.995% uptime), advanced anti-fraud
capabilities and patent-pending tokenization technology, Heartland ensures that every transaction is secure and protected. But don’t just take our word for it; take our warranty. Every Heartland Secure™ transaction is backed by our comprehensive breach warranty. No extra fees, just extra protection for you and your customers.

Turn shoppers into buyers, quickly

Today, there are many ways to pay, and Heartland gives your customers the choices they want. From credit and debit cards to digital wallets and stored value options, Heartland supports hundreds of payment types, whether customers are around the corner or around the globe. Since no one wants to wait for that “Payment Approved” message, we deliver authorization and fraud responses in typically under two seconds.

Keep transactions safe and secure

As a pioneer in payment transaction security, Heartland offers merchants the highest level of protection. Our patent-pending single-use tokenization technology significantly reduces PCI scope—eliminating concerns about card data security. Plus, every transaction processed through our Heartland Secure™ technology is backed by our comprehensive breach warranty

Grow repeat purchases

Turn existing customers into repeat customers by making it easy for them to shop with you again and again. Heartland expedites repeat purchases by enabling customers to pay with a card saved on file. Our supported hosting service eliminates the risk of storing customer account information on your servers. And to facilitate online and/or recurring payments, our flexible billing and invoicing solutions support installment, deferred or recurring billing and payments. For your customers ready to go paperless, you can even send electronic invoices via e-mail or SMS.

Understand and minimize costs

While Heartland technology supports fast, simple and secure transactions, our guiding principle is to provide fair pricing and full disclosure of fees and agreement terms. Our statements clearly designate your interchange rates (how much you pay to the card brands) and your Heartland fees. With our interchange optimization service, you qualify for the best interchange rates, and save with interchange cost reductions immediately. Adding and supporting online or mobile payments can be done with a single integration, and our next-day funding gets payments in your hands sooner. It all adds up to lower total cost for accepting payments.

Heartland Payments Processing At-A-Glance

Typically <2-second authorization/fraud response times

99.995% uptime

100+ global payment options.
Connects to more than 150 e-commerce technology platforms.

Heartland Secure™ technology is backed by a comprehensive breach warranty

About Heartland

Heartland delivers fast, secure omnichannel payment processing and business solutions to more than 400,000 business locations nationwide. Product offerings include payments, payroll, point of sale, customer engagement and lending. Heartland pioneered the Merchant Bill of Rights, a public advocacy initiative to educate merchants about fair payment processing practices. Heartland Payment Systems is a Global Payments company (NYSE: GPN). Visit: