Payment Processing

Payment Processing

Overview: Payment Processing

Ways of Acceptance  Direct Processing  eCommerce

Heartland processing is one of the largest payment processing companies in the US, but the only one with direct card processing from day one of your enrollment.

Mobile Card Acceptance FREE Electronic Cash Register  POS Portico Virtual Terminal

orange terminal

Meet Jennifer and allow her to introduce to you the New Online Bill Pay + Invoicing POS:

Online Bill Pay + Invoicing Long Video   Online Bill Pay + Invoicing Short Video

Click to view the Merchant Service General Fillout Form

Heartland offers credit card Processing in-store and online utilizing the most up-to-date technologies, including Europay-MasterCard-Visa (EMV a.k.a Chip Technology), Near Field Communication (NFC), eCommerce, Cloud, and eBilling software. Our solutions are suitable for all industries, including the healthcare, medical, legal and educational fields. We provide the most secure payment processing services, giving you and your business the peace of mind knowing that your customer’s Visa, MasterCard, Discover & American Express information is in good hands. We integrate with Revel, ShopKeep and Quickbooks seamlessly as well as every other major POS.



Through a unique technology called  “Out-of-Scope,” our systems make your customers information invisible to electronic threats. All of your customer’s personal information is now encrypted safely stored by Heartland. If the rare event that your systems are attacked, your data will be safe with us.

EMV (chip) technology makes copying and rewriting your customer’s credit card information extremely difficult. This improved payment technology has been in use in Europe for more than 10 years, and has a proven track record of security and integrity.

EMV OverviewEMV Basics & Best Practices

We offer only one pricing model that is transparent, wholesale pricing with a 3-year price guarantee.

  • Industry leading security and technology with end-to-end encryption, tokenization, and EMV capabilities Amex program that provides express funding, one consolidate statement, and interchange rates in line with Visa and MasterCard
  • Securely process payments from your desktop or tablet with our Free Cash Register POS
  • Funding of deposits faster than most-independent processors as long as the client batches out by8pm Easter
  • One simple easy to read statements with all four card types
  • A triple layered customer service model which includes; local representative, US based service center that’s open 365 days a year/24 hours per day/7 days a week and answers calls 6 seconds with a live customer service representative, and the client receives full access to an online portal to monitor their merchant services


Heartland is able to get your business up and running with Apple Pay immediately. Even better, no special merchant agreement is needed to accept Apple Pay. With Apple Pay, token representing the card number is stored on a Secure Element within the iPhone 6 or 6 Plus.

When the consumer is ready to pay, that token is sent by way of near field communication (NFC) to the reader for authorization. The NFC reader that is attached to the POS system or terminal will send the transaction to Heartland’s preferred processor for authorization.


Get everything you need to open your online store and turn shoppers into paying customers—easily, reliably and of course, PCI-compliantly.

For businesses that want to get online fast and need a complete turnkey solution, Heartland’s eCommerce for Small Business gives you everything you need to build your own eCommerce website and securely accept credit and debit card payments in less than a day. Build your online store, get the tools you need to manage it, and grow your business using our eCommerce tool kit that keeps your revenue growing and transactions secure.


Don’t let your network become a monster. Your network can go from manageable to unmanageable in the blink of an eye. Heartland’s managed network service provides businesses with the tools they need to make sure their network stays online, running and secure. Work smarter, not harder.

Allow us to securely link your business to the outside world by providing tools and services to increase your productivity and extract more value from your network investment. Whether you need PCI compliant payment processing, reliable network communications, public Wi-Fi access, or multi-function firewalls, we have the solution.

ict220 ctl

The Ingenico iCT220 CTL is designed for easy handling and robust daily use, offers EMV®chip-and-PIN and chip-and-signature, magnetic stripe and NFC/contactless payment options, and enables NFC couponing and wallet applications.

Effective Friday, September 11, 2015, the Ingenico iCT220 CL (Contactless) will be available for purchase (for $199), repair replacements, warranty replacements, upgrades, rentals, and swaps.

The iCT220CL adds support for EMV contactless payment, as well as popular mobile payments schemes including Apple Pay and the soon to be released Android Pay and Samsung Pay. It is a Heartland Secure certified terminal and is EMV ready.

Swapping or Upgrading your current equipment is a specialty of Heartland