Founded in 1997 and is now the sixth-largest merchant processor in the U.S. ranked by purchase volume

Success factors:

• Superior long-term customer relationship sales model
• Internally-developed, client-server based transaction processing platform
• Strength of sales and service organization
• Merchant-centric business model
• Deployment of 21st century technology
• Seasoned management team

The Heartland Difference

• Full Disclosure Pricing
• Competitive Rates
• Online Account Information
• Simple, Clear Statements
• Local Relationship Managers
• 24/7/365 Customer Service
• Heartland is Guaranteed PCI DSS Compliant
• Better Reporting through Merchant Center
• Deposit Monitoring
• Chained Locations in One Database
• Over 1,600 local Heartland Relationship Managers and Servicing Managers for fast, onsite response
• 24/7/365 toll-free live support
• No outsourcing
  • All staff are Heartland W-2 employees
  • All service is handled in the United States

Online Merchant Center

Merchants have secure, online access to their account activity from any computer with an Internet connection. Merchants also have 24/7/365 toll-free phone access to our customer service team to help with technical questions. 

• Online Statements – sorted by date or card type for printing or reviewing online.
• Chargeback & Retrieval Activity – a complete history of a business’ past and current activity.
• Batch Details – a full list of processed batches with individual transaction details.
• Deposits – summary and details including date, debit and credit numbers and amounts.

Pricing Comparison Graph

Credit and Debit Card Processing

• Fast authorizations
• Next-morning funding
• Specialized restaurant applications
  • Tips by server/number
  • Automatic tip calculation on receipts
• Compliant with Payment Card Industry (PCI) security standards
•  Fully disclosed, competitive pricing
  • Single fee structure
  • Rates guaranteed up to three years

Payroll Services

• Online access
• Direct deposit
• Remote check, voucher and report printing
• Value-added solutions
  • Workers’ Compensation programs
  • Restaurant-specific reporting
• Heartland PayDaysm employee payroll card program for “unbanked” employees

• Deposit checks via scanner without going to the bank
• Access to funds the next business day
• Send checks to the bank – or banks – of choice
• Integrates with current software, such as QuickBooksTM
• Worry-free installation and onsite employee training

Gift Card Programs

• Improve brand awareness
• Increase sales and customer loyalty
• Generate repeat traffic
• Manage program through detailed reporting system

Equipment Rental and Purchase

• Easy integration into current system
• Compatible with most terminal and PC-based applications
• Flexible rental and purchase terms
• State-of-the-art, PCI-compliant terminals, printers and software options
• Comprehensive installation, staff training and servicing
• Intelliswipe Technology
  • Heartland terminal-level software is programmed to automatically seek and identify the best possible level of interchange for each specific transaction, and assign it appropriately.
  • This works like an old-fashioned change sorter at a bank

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