Heartland eCommerce
Payment gateways
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
- Arts, entertainment, and recreation
What is Heartland eCommerce
Heartland eCommerce is a payment gateway and processing offering used by online merchants to accept card-not-present payments through hosted checkout pages and API-based integrations. It targets small to mid-sized businesses and platforms that need online payment acceptance tied to Heartland’s merchant services. The product typically supports tokenization and recurring billing use cases, and it is positioned as part of Heartland’s broader payments and point-of-sale ecosystem.
Integrated merchant services stack
Heartland eCommerce is sold alongside Heartland’s merchant acquiring and payment services, which can simplify vendor management for businesses that want a single provider. This can reduce integration overhead compared with stitching together separate gateway and processor relationships. It also supports businesses that want online payments aligned with in-person payments under the same provider.
API and hosted checkout options
The offering commonly provides both hosted payment pages and API integration paths, which supports different implementation needs. Hosted options can reduce PCI scope for some merchants by keeping sensitive card entry off the merchant site. API options support more customized checkout experiences and platform integrations.
Support for recurring payments
Heartland eCommerce is used for subscription and recurring billing scenarios in addition to one-time payments. Tokenization capabilities help merchants store payment credentials in a safer form for repeat charges. This is relevant for service businesses and membership models that need scheduled billing.
Ecosystem tied to Heartland
The product is closely linked to Heartland’s acquiring relationship and broader product suite. Merchants that want to use a different processor or maintain a more processor-agnostic architecture may find fewer options. Switching away can require re-contracting and re-integration work depending on how the gateway is implemented.
International coverage may vary
Heartland’s core merchant services footprint is primarily oriented around the United States, and cross-border acquiring and local payment method support may be more limited than providers built for multi-region coverage. Businesses operating in multiple countries may need to validate supported currencies, settlement locations, and local payment types. This can add complexity for global eCommerce expansion.
Pricing transparency varies
Pricing is often provided via quotes through sales channels rather than standardized public rate cards. This can make it harder to compare total costs (gateway fees, processing, chargebacks, add-ons) across alternatives during evaluation. Contract terms and ancillary fees may require careful review.
Plan & Pricing
Pricing model: Pay-as-you-go Free tier/trial (summary): See fields below for availability Example costs (official site):
- In-person transactions: Prices starting at 2.6% + $0.10 per transaction (Heartland "Payments+" pricing page).
- Online / eCommerce gateway rates: Not published on the public site; Heartland directs customers to contact sales or "Get started" for a quote.
- Related product (POS): Point-of-sale plans listed with pricing starting at $89 per month for one station (listed on Heartland pricing pages). Notes & vendor statements (from official site):
- Heartland offers both flat-rate and interchange-plus pricing and indicates pricing is "competitive" and often provided via custom quotes. The site also lists promotional waivers (e.g., waived setup/software fees for eligible merchants) but does not present a permanent free tier or a time-limited free trial for the Payments/eCommerce gateway publicly.
- Several product-specific fees (gateway monthly fee, batch fee, keyed-in rates, etc.) are not itemized on the public site and appear to require contacting sales for a merchant-specific quote.
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/
