Heartland Payment Systems Review
JV Burr
| Merchant Account Provider |
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Average Score
4.4
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| Location: Princeton, NJ |
| Founded: 1997 |
| Sponsorship: Registered ISO of Wells Fargo Bank, N.A., Concord, CA, and The Bancorp Bank, Philadelphia, PA. |
| # of Customers: 50,000+ |
| Phone: (888) 904-6773 |
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Overview
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.
Products/Services
Heartland is a huge processor that can handle all kinds of payments – card present or not-present, through Point of sale terminals, virtual terminals, mobile, tablet etc. They support all of the newest processing technology and are typically ahead of the curve on rolling out improved solutions for merchants due to the sheer amount of resources they have.
Heartland payments support Apple Pay, Samsung Pay, Android Pay, as well the more typical credit/debit and gift card processing.
They’ve also recently gotten into other software solutions for businesses including payroll, HR, and lending. These offerings will be covered later, but are not within the scope of this review.
Card-Present Processing: Heartland Payment Systems offers payment processing services primarily for retail and restaurant establishments.
Interestingly enough, Heartland also offers Human Resource (HR) solutions for small businesses, including payroll management.
Rates & Fees
** Disclaimer – rates and fees are subject to change, please negotiate terms independently and review your contract. **
Heartland has competitive rates for larger businesses, but for small businesses their fee structure does not scale down well.
Contract Details
In this day and age, it’s hard to recommend a payment processor that still has 3-year contracts and early termination fees. If you want to switch from Heartland to another payment processor they require 60 days notice and a $295 early termination fee. It’s not unheard of to get these sorts of fees waived, but the fact that you have to jump through those hoops is a negative.
Equipment – Hardware/Software
Heartland provides top of the line hardware for processing payments in any environment, and offers software integrations with your existing legacy hardware as well.
Security
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
Heartland has an unacceptably negative reputation considering their size. It’s not unusual for the larger processors to get some negative marks here, but we would like to see companies this size spend more attention on improving their reputation, or make it clearer that they don’t support smaller businesses.
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.
I’m a new business owner. Excited to start making money, to have financial freedom but got shut down by heartless Heartland! My business accepted online payments for only 3 months. I was so happy to see sales coming in 1st month, $2000. 2nd month $5000. 3rd month was a whooping increase to $20,000! I thought my dream is coming true. My acct was shut down on the 4th month=no income. Hundreds of sales, only 4 charge back, they closed my acct. 4 charge back only out of 100s of sales. They held my funds almost $6,000, for investigation, for up to 180 days. As if that is not enough, they are more evil shutting down my dream by putting me on a MATCH list! I didn’t know what that was until I tried to apply for a new processor. The company told me, unfortunately, since Heartland places me on MATCH, I cannot get a processor.
REALLY!!! My dream is dead because of Heartless!!!
I learn that being on MATCH will be on the record for 5 years. Thanks heartland for ruining my hope and dream to make money! I spoke with at attorney, he said the reason might me because I rank up sales very quickly in a short time, Heartland scare of more charge backs. Ok, I get it, but work it out with me instead of closing the acct, holding my money, giving the silent treatment.
I suggest anyone to get a processor who specialize in high risk to avoid what I’m going thru.
I do not like to complain but I’ve been with heartland for over 14 years and because I trusted them I never checked my statement till now.
4 months ago I noticed a $225 fee on my account. As I questioned this fee I was told it was a part of a heartland security via a third party company and in order for me to get my money back I would have to be verified first. Well after 3 hours of talking with the third party company I was verified and I was promised by heartland that I would get my money by 4/2022. Well after calling them I was told that it would be in my account by 5/1/2022 which has not yet happened.
Today I noticed a $54 fee on my account and when I questioned it today I don’t know if the rep knew what it was, so out of anger I asked them to close my account after 14 years since I could not trust this company anymore.
I receive a call from Rusty whom is a client manager and he proceeded to ask me whom I spoke with which if you are a small business owner working every day you know I couldn’t possibly remember the persons name. So he said that since I can’t remember the persons name then there is nothing he can do for me!!!!! Why
He further said that since I asked my account to be closed then he will refund me the money that was taken out of my account without my permission.
So in short please check your statement I’m told that heartland has a habit of charging people fees without their knowledge.
There are many reputable credit card services out there.
Large jump in fees without CLEARLY notifying us (we were paying double what other credit card companies are charging) cost our business about 4k in extra costs before we spotted the fee hikes. Go with a card processor that is transparent in their fees, not Heartland.
WATCH THE FEES!!! 16 Years with Heartland and we just sold our business, then we get a $295 “early” termination fee that they will not refund. We sold the business, we are not just switching processors. And, we had been with them for 16 years!!! – Very very poor. Yes, we had the same issues others have had that all of the sudden your rates almost double, then you get the $52 per month customer tracking fee, the $600 PCI fee, or whatever they called it as well as other fees. Some got refunded, some didn’t. They always say something like: we notified you on line 135 of page 14 in the -4 point microscopic font- print of your contract, that you don’t have a copy of since it was done 16 years ago. I’m sure there was no early term fee in my contact from 16 years ago, but they probably jammed it in there on one of their 3-year automatic renewals. They are not the fair and honest Heartland that they were years ago.
Heartland did great until they got greedy. The relationship worked fine when they charged the agreed-upon price for their services (a price that matched what a host of other competitors offered, so not some unimaginably low price), and we had no complaints. We would have happily recommended them to others.
Then Heartland increased our fees by over 400% overnight with no prior warning as to what the increase would be. That’s not what partners who respect each other do. That’s what an abusive partner does. They saw an opportunity (that we were not under a contract, though we were under the impression that we were) and abusively ripped off one of their own clients as quietly as they could. They felt that a 400% overnight increase in fees wasn’t worthy of a phone call or email as a heads up, just an innocuous line item in a statement 2 months prior that indicated that fee increases happen in January. No indication what the fee increase would be and certainly no indication that it would be a laughably egregious increase. Price increases are a way of life, but I work hard to make sure my clients know that we respect them enough to be open and honest about them. Heartland had no such respect for us.
Heartland lost my business forever by simply showing that they did not respect their partner in business and instead saw an opportunity to rip someone off and jumped on it. Customer service did a fine job of helping right some of the wrong, but why would I be in business with or recommend a business that I can’t trust to not try to screw me the moment I’m not watching them like a hawk? It seems like making that one-time cash grab was a stupid decision to make from my perspective, but Heartland has obviously been very successful, so apparently that greediness works out for them. I just know that we won’t ever do business with them again, and they’re one of the few companies I will actively encourage other business owners to avoid.
Don’t do business with this company. Watch statements very carefully they are always raising rates like Comcast. Their “reps are just salesmen they are not their to help”. This is a quote from their Chicago office. They will keep telling you it was in the contract. Make sure to read contracts thoroughly as there is many hidden items in them. There is a $295.00 charge if you choose to change processors. Their emails about processor compliance do not list there name on them and look suspicious you will think it is spam and not open them. But it’s not and if you don’t open them and follow through with Compliance. They will charge you an additional $125.00 per month till you do. Again don’t expect them to have their rep or them notify you as the longer you are in the dark the more money they can steal. They will not return your fees or over charges they will tell you it’s your fault for not watching closer. Heartland is not a business that is built on honesty or integrity.
Transparency?? Not a chance!! I have been fighting for months to get fees back from Heartland that was charged to me to no avail. The salesperson was ***** and ***** *********. They both told me that I would not be charged but here I am over $800.00 in fees that I wasn’t supposed to be charged. Heartland LIES!!! I have emails where ***** has tried to fix this but Heartland will not credit this back!! HIGHLY DISAPPOINTED!! Do NOT trust them with you business!!!
edit: (rep names redacted)
Hello, you need to remove this from your site. ****** and *** posted this and ***** wasn’t there rep, I was trying to help them. She is lying as they were using out dated terminals that could leak customers credit card data and she didn’t want to pay for new terminals. I was helping her get new terminals at no cost. This lady is crazy and not ok to include my name on here. ****** and *** really needs to figure out how to run there business as this is not the right way.
edit: (business name redacted)
We used Heartland for many years and they were great. In February, they dramatically increased our rates (where we were previously told rates would never change) and only notified us of a change in small type on the back of a page in the December bill. It didn’t even say the amount of the change. We felt very much lied to by a customer that we had done business with for a decade. Customer service was not helpful. We have opened a BBB complaint as well.
We used Heartland for many years and they were awesome. HOWEVER, sometime recently they got bought out by another larger processor and they have turned into an awful company. They reneged on our already established rates and changed wording in their agreements with merchants. We ended up leaving which was a HUGE pain in the you know what, but we were spending thousands more than we used to in payment processing fees so we had no choice.
We use Heartland for years, their customer service sucks sometimes but my boss is too scared to switch. I like the software on their point of sale though, easy to use. Not sure about their fees.