Heartland Payments+
Payment gateways
Payment processing software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
Free Trial unavailableFree version unavailable
Small
Medium
Large
- Accommodation and food services
- Retail and wholesale
- Healthcare and life sciences
What is Heartland Payments+
Heartland Payments+ is a payment processing offering from Heartland that supports card-present and card-not-present transactions for small and mid-sized businesses. It is typically used by merchants that want a single provider for merchant account services, payment acceptance, and related business tools. The product is positioned around Heartland’s acquiring/processing services and can be paired with Heartland-supported POS and value-added services depending on the merchant’s setup.
End-to-end merchant processing
Heartland operates as a merchant services provider, which can reduce the need to assemble separate gateway, processor, and merchant account relationships. This can simplify onboarding, underwriting, and support escalation compared with stitching together multiple vendors. It also supports common SMB use cases such as in-person acceptance and remote payments through Heartland’s ecosystem.
SMB-focused sales and support
Heartland is structured to sell and support payments for small and mid-sized merchants, including businesses that prefer guided setup. Merchants can often get help with hardware, merchant account configuration, and operational questions through a single provider. This can be beneficial for businesses without dedicated payments engineering resources.
Broader business tools ecosystem
Heartland commonly bundles or integrates payments with adjacent tools (for example POS options and other merchant services) depending on the merchant segment. For some buyers, this reduces integration work and vendor management compared with adopting multiple point solutions. It can also streamline reconciliation when payments and related tools are provided under one commercial relationship.
Less developer-centric than APIs
Compared with API-first payment platforms, Heartland’s offering is often oriented toward merchant services packaging rather than self-serve developer workflows. Businesses that need extensive customization, rapid iteration, or deep programmatic control may find fewer out-of-the-box developer features. Integration approach and documentation depth can vary by the specific Heartland product bundle selected.
Pricing can be harder to compare
Merchant services pricing is frequently quote-based and can include multiple components (processing rates, fees, hardware, and add-on services). This can make it harder to benchmark total cost against providers with more standardized, transparent pricing. Contract terms and fee schedules may require careful review to avoid surprises at scale.
International coverage may be limited
Heartland primarily serves the U.S. market, which can be a constraint for merchants needing broad multi-country acquiring, local payment methods, or complex cross-border setups. Global businesses may need additional providers for non-U.S. markets. Availability of specific payment methods and settlement options depends on merchant location and underwriting.
Plan & Pricing
Pricing model: Pay-as-you-go (transaction processing) with optional subscription-priced POS/software.
Public, on-site pricing & examples (Heartland official site):
- In-person (flat-rate) processing: "Prices starting at 2.6% + $0.10" per in-person transaction (flat-rate example). Key notes: Heartland offers flat-rate and interchange-plus pricing; merchants can choose the pricing model that fits them.
- POS / Retail POS subscription: "$89 per month" starting price for Heartland Retail POS systems (subscription for POS software/hardware). Key notes: device and POS subscription pricing shown as "prices starting at" on product/pricing pages.
- Surcharge program: 3% program fee applied to eligible credit card transactions when using Heartland’s online surcharge option (merchant-added surcharge to customers).
- EMV / Non‑EMV fees: Heartland’s site states a Non‑EMV Program Fee of $25 per month for merchants with >10% non‑EMV transactions and a Non‑EMV assessment fee of 0.65% on non‑EMV transactions (effective notice on Heartland EMV page).
Notes & contact: Detailed/custom merchant pricing is not published; Heartland’s site repeatedly directs merchants to contact sales or request a quote for exact pricing and merchant-specific rates.
Seller details
Global Payments Inc.
Atlanta, Georgia, US
1967
Public
https://www.globalpayments.com/
https://x.com/globalpayments
https://www.linkedin.com/company/global-payments/
