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Heartland Merchant Services Review: A Comprehensive Review

Custom payment solutions backed by real support
By Top10.com StaffBy Top10.com Staff -
Last Updated: Jul 10, 2025
16 reviews
by
logo-HEARTLAND
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Rates
Starts at 2.6% + 10¢
Contract length
3 years
Free equipment
No

In a Nutshell

Heartland Merchant Services, a subsidiary of Global Payments, offers a comprehensive suite of payment processing solutions tailored for small to medium-sized businesses in the U.S. Their offerings include point-of-sale (POS) systems, online payment gateways, and mobile payment solutions. Heartland emphasizes transparent pricing, robust security features, and dedicated customer support to streamline payment operations for merchants.

Rates
Starts at 2.6% + 10¢
Contract length
3 years
Free equipment
No

Heartland Pros & Cons

PROS

Transparent pricing
U.S.-based customer support
Robust security measures

CONS

Early termination fees may apply
Limited third-party integration details

Top Heartland Reviews

JN
Jonathan Nolt
A great company
This company has some great rates! I have been with them for almost a year and have no complaints.
Cu
Customer.
Terrible/Absent Customer Service.
If this is HeartLand ECSI, then in the past they were prompt in service although I had limited communication with them. Today I tried calling them on the phone, the phone call hung up on me as the robot was transferring me to a support agent. After this, I tried to do an online chat with a virtual agent. I sent them messages here and there was no response, just a blank screen. Clearly, their service is terrible and I do not recommend them because it is not convenient, cannot talk with a real human, and the whole interaction is frustrating because they will not even reply through standard email. Two Stars. Crappy and terrible.
Mari Kobayashi
HEARTLAND NO ALOHA for HAWAII Businesses STAY AWAY!!!!!!!!!!!!
For any business in HAWAII stay away from Heartland POS. They will not help resolve issues and when you go to cancel will charge you an early cancellation fee of 4k. We had reached out several times to Heartland was told that I would have to talk to our sales representative. But because our sale representative left the company due to not getting paid from Heartland. We asked for another sales rep and none was assigned.... MONTHS went by leaving us to deal with ISSUES with the POS on top of their HIGH FEES. So we finally cancelled due to NO SERVICE and then got automatically changed a fee. NO ALOHA FOR HAWAII BUSINESSES STAY AWAY FROM HEARTLAND!!!
See all Heartland reviews

How do I know I can trust this Heartland review?

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Heartland Heartland Visit Site

At a Glance

  • Best for: Small to medium-sized U.S. businesses seeking comprehensive payment processing solutions.

  • Key Features: Transparent pricing models, robust security measures, diverse payment method support, and dedicated customer support.

  • Deployment: Offers both hardware and software solutions, including POS systems and online payment gateways.

  • Support: 24/7 U.S.-based customer service via phone and email.

How to Get Started

  1. Contact Sales: Reach out to Heartland through their website to discuss your business needs. 

  1. Customized Quote: Receive a tailored pricing plan based on your specific requirements.

  1. Onboarding: Benefit from a streamlined setup process designed to get your system operational quickly.

  1. Training: Access training resources to familiarize your team with the system's features.

Special Features

  • End-to-End Encryption: Protects sensitive payment data from the point of entry to the payment processor.

  • Tokenization: Replaces sensitive card information with unique tokens, enhancing security during transactions. 

  • Mobile Payment Solutions: Supports payments via mobile devices, enabling businesses to accept payments on the go. 

  • Online Payment Gateway: Facilitates secure online transactions, integrating seamlessly with e-commerce platforms.

Customer Service

  • Availability: 24/7 U.S.-based customer support.

  • Contact Methods: Support is available via phone and email.

  • Additional Resources: Access to a comprehensive help center and training materials.

Is it Reliable?

Heartland is a well-established provider in the payment processing industry, serving over 275,000 business locations in the U.S. Their commitment to security, transparent pricing, and dedicated customer support underscores their reliability.

How to Cancel or Pause a Subscription

To cancel or pause your subscription, contact Heartland's customer support directly. Be sure to review your contract for any potential termination fees or notice periods.

Is There an App?

Yes, Heartland offers mobile applications compatible with iOS and Android devices, allowing businesses to manage payments and access reports on the go.

Pricing and Plans

Heartland provides both flat-rate and interchange-plus pricing models. While specific rates are not publicly disclosed, businesses can request a customized quote based on their transaction volume and specific needs.

Heartland Heartland Visit Site

Bottom Line

Heartland Merchant Services offers a robust suite of payment processing solutions tailored for small to medium-sized businesses. With transparent pricing models, advanced security features, and dedicated customer support, Heartland stands as a reliable choice for merchants seeking comprehensive payment solutions.

Having explored the features and benefits of this product, you might be curious about how it stacks up against its competitors. We encourage you to visit our comprehensive comparison chart for a broader perspective. This chart offers a detailed juxtaposition of this product with other leading brands, highlighting differences in features, pricing, and customer ratings. It’s an invaluable resource for contrasting your options and making an informed decision that best suits your needs.

Frequently Asked Questions
What payment methods does Heartland support? +-

Heartland supports credit/debit cards, ACH, and digital wallets like Apple Pay and Google Pay.

Does Heartland offer mobile payment solutions? +-

Yes, Heartland provides mobile applications for iOS and Android devices, enabling businesses to accept payments on the go.

How can I get a pricing quote from Heartland?+-

Businesses can contact Heartland directly through their website to receive a customized pricing quote.

Is there a contract term with Heartland's services? +-

Contract terms may vary; it's advisable to review the agreement thoroughly and discuss terms with a Heartland representative.

What kind of customer support does Heartland offer? +-

Heartland provides 24/7 U.S.-based customer support via phone and email.

Top10.com's editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.

Heartland reviews

Poor • Reviews 16
on
Excellent
6%
Great
0%
Average
0%
Poor
6%
Bad
88%
Sort by
JN
Jonathan Nolt
3 years ago
A great company
This company has some great rates! I have been with them for almost a year and have no complaints.
Cu
Customer.
2 years ago
Terrible/Absent Customer Service.
If this is HeartLand ECSI, then in the past they were prompt in service although I had limited communication with them. Today I tried calling them on the phone, the phone call hung up on me as the robot was transferring me to a support agent. After this, I tried to do an online chat with a virtual agent. I sent them messages here and there was no response, just a blank screen. Clearly, their service is terrible and I do not recommend them because it is not convenient, cannot talk with a real human, and the whole interaction is frustrating because they will not even reply through standard email. Two Stars. Crappy and terrible.
Mari Kobayashi
3 weeks ago
HEARTLAND NO ALOHA for HAWAII Businesses STAY AWAY!!!!!!!!!!!!
For any business in HAWAII stay away from Heartland POS. They will not help resolve issues and when you go to cancel will charge you an early cancellation fee of 4k. We had reached out several times to Heartland was told that I would have to talk to our sales representative. But because our sale representative left the company due to not getting paid from Heartland. We asked for another sales rep and none was assigned.... MONTHS went by leaving us to deal with ISSUES with the POS on top of their HIGH FEES. So we finally cancelled due to NO SERVICE and then got automatically changed a fee. NO ALOHA FOR HAWAII BUSINESSES STAY AWAY FROM HEARTLAND!!!
ER
Emmeline Rodgers-Tussing
1 month ago
SCAM! DO NOT USE
If you use Heartland global payment solutions, be prepared to have your money held for 31 days at a time until you thoroughly explain what the money was given to you for, you must be extremely specific and give more details than the IRS asks for. You must give them your customer's private information, (your customers address, phone number, their banking details, etc) you must prove what every detail of what the money was for, whether this was the first time this customer has used your business, if not, how many times have they used your business before and what was each other time for? They want to know if your business is run of your home or an office. If you do any emailing or editing any of any documents for your business on your cell phone rather than a computer, you must explain why. If any of your business is run using a laptop rather than a desktop computer, be prepared to explain that as well. I lost a huge job and I lost a customer who was going to give me a lot of future work because Heartland delayed the payment for so long. They took the customers money, but they wouldn't give it to me so that I could purchase what the customer purchased from me. They did not care to help me either. They wouldn't get back to me and I had to make several calls and emails to several higher-ups at Heartland before anyone finally got back with me, which did me no good in the long run. After a week of this drama all day every day, I had to cancel the customer's payment, reverse the charges and give their money back and they went with someone else, because at that point, I looked like a joke to them. They thought I was scamming them! I now firmly believe Heartman is a scam. They take the money from your customer and they keep it.

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