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Heartland Merchant Services Review: A Comprehensive Review

Custom payment solutions backed by real support

Top10.com Staff
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.
Read more

July 10, 2025

1 min

heartland
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.

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
heartland

Heartland at a Glance

9.2
Editorial Score

Low Rates

In-person credit card processing starts at interchange plus rates, often as low as 0.29% + interchange
9.0

Low Fees

No long-term contracts, no cancellation fees, but monthly account service fees apply (undisclosed exact amount)
8.0

Payment Services

Supports in-person, online, mobile, invoicing, virtual terminals, and POS integration
10.0

Additional Benefits

Includes POS hardware, analytics, fraud protection, and no long-term contracts
9.0

Customer Support

Offers 24/7 U.S.-based phone support, plus email and live chat
10.0

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.

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.

How do I know I can trust this review?

Top10.com authors, contributors, and editors are serious about research. We combine our own experience with the services we recommend, with reviews that come from verified users–just like you! Together, with reviews from industry experts, we find the Top 10 best products and services to make sure you can choose with confidence and ease.

Top10.com Staff

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.

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