|Merchant Account Provider|
|Phone: (888) 904-6773|
|Location: Princeton, NJ|
|Sponsorship: Registered ISO of Wells Fargo Bank, N.A., Concord, CA, and The Bancorp Bank, Philadelphia, PA.|
|# of Customers: 50,000+|
Heartland Payment Systems is a merchant services provider based in Princeton, NJ with a global reach. They’re registered as an ISO/MSP for Wells Fargo Bank & The Bancorp Bank. Founded in 1997, Heartland recently merged with Global Payments and is now one of the ten largest payment processors in the world.
Heartland suffers from the same problems that several of the other large payment processors that we’ve reviewed suffer from. As a small business owner, you generally need more hands on help and someone to answer the phone and care about your concerns. But large processors like Heartland, Elavon, Worldpay etc. tend to focus on their larger clients and smaller businesses can end up falling through the cracks.
Heartland makes it clear that they can handle all types of payments, from anywhere:
- In Store
…with any method:
- Apple Pay
- Samsung Pay
- Android Pay
- Credit and Debit
- Gift Cards
…and on any type of device:
- Virtual Terminal
- Point-of-Sale Terminal
- Mobile Phone
Card-Present Processing: Heartland Payment Systems offers services for retail
Rates & Fees
** Disclaimer – rates and fees are subject to change, please negotiate terms independently and review your contract. **
Equipment – Hardware/Software
There are a number of different pieces of equipment.
Heartland takes their payments security seriously, which is good since they have been hacked numerous times over the years, including one of the largest breaches ever. Now they have this Breach Warranty program to put merchants minds at ease. According to their own numbers, 60% of small business close their doors within 6 months of a data breach. So the Breach Warranty program is available for merchants to opt-in to, and it will cover fees, fines and losses in the event of a security breach on one of their certified devices.
Customer Service & Support
Some Customer Reviews
“Buyer Beware!!! Our company received an extremely competitive bid from Heartland only to be billed thousands of dollars more than quoted and charged for credit card readers we did not authorize.” ~BBB review by Lamar J.
“Representative gave a quote in writing of our “savings” but it ended up even costing more than we were paying with our current processor. Upon questioning, they basically said ‘sometimes this happens’ based on limited calculations, inadequate information, etc.” ~BBB review by Julie R.
As of writing, Heartland Payment Systems has over 20 complaints on RipoffReports.com. Keep in mind that RipoffReports.com does not require any proof of complaints, and many of these complaints have rebuttals for the company so read them with that in mind.
- Heartland is a large processor that isn't going anywhere
- Integrates with many of the top POS hardware solutions
- Heartland has a number of negative reviews online
- Larger processors are often not a good choice for small businesses
- Early termination fee is not good
- 3-year contracts aren't generally a good idea