Heartland Payment Systems Review

Heartland Payment Systems Overview

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Owned By Global Payments

Heartland Payment Systems is a very large merchant account provider headquartered in Edmond, Oklahoma. The company was founded in 1997 and, according to several reports, ranks as the fifth-largest processor in the United States and processes over $80 billion in credit card transactions annually. Heartland was acquired for $4.3 billion by Global Payments in December 2015. It is unclear whether the merged companies intend to absorb the Heartland brand into Global Payments Inc. over time, but for now, Heartland still appears to operate under the Heartland name.

A Commitment to Data Security

The company made national headlines in 2008 when Heartland’s computer systems were infiltrated by a computer hacker named Albert Gonzalez, who subsequently stole the data of more than 130 million credit cards. While this could have spelled doom for such a prominent company, Heartland responded very quickly to repair the damages and prevent future security breaches. Heartland now regularly updates its security systems and, understandably, takes data security very seriously. Additionally, Heartland seems to have a strongly embedded philosophy of educating merchants about payment processing, even going so far as to dedicate an entire website dubbed the “Merchant Bill of Rights” to fulfilling this purpose.

Heartland Payment Systems Headquarters and Leadership

Heartland Payment Systems Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California, and The Bancorp Bank, Philadelphia, Pennsylvania. The company’s headquarters are located at 3932 S Blvd, Edmond, Oklahoma 73013. Jeffrey S. Sloan is the CEO and Cameron Bready is the president of Global Payments.

Heartland Payment Systems Review Table of Contents

  • Costs & Contract: Heartland Payment Systems offers a three-year contract through Global Payments with a $295 early termination fee.
  • Complaints & Service: Heartland Payment Systems has received more than 150 public complaints.
  • BBB Rating: Heartland Payment Systems has no rating with the Better Business Bureau and has received 47 complaints and 3 reviews in the past 4 years.
  • Sales & Marketing: Heartland Payment Systems does not appear to hire independent sales representatives but has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Heartland Payment Systems
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Products & Services Offered

  • Debit and credit card processing
  • Mobile payment processing
  • Virtual terminal
  • Online storefront (with secure payment gateway)
  • Micropayments solutions
  • Gift and loyalty programs

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Restaurant
  • Lodging/Hospitality
  • Gas station/C-store

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Heartland Payment Systems Rates, Fees, and Costs

Key Points

Swiped Rate Interchange-Plus
Keyed-in Rate Interchange-Plus
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Monthly Fee $25
Early Termination Fee $295
Analytics Fee $54
Regulatory Fee $69
Service Fee $150
PCI Non-Compliance Fee $125
PCI Compliance Fee None
Equipment Lease Terms Variable

Heartland Payment Systems Pricing

Pricing of Heartland merchant accounts appears to vary based on a variety of factors including business needs, sales volume, and the agent setting up the account. The company’s standard contract has a 3-year service agreement with a $295 cancellation fee, both of which appear to be negotiable. It also appears that Heartland is willing to waive cancellation fees in numerous circumstances.

Heartland’s website claims that the company offers all of its merchants interchange-plus pricing, which is the most transparent pricing model available. The company does not appear to charge an annual PCI Compliance fee but it does charge a $25 monthly “service and regulatory mandate fee.” A representative has stated that agents have the option not to charge this fee. Heartland also adds a few basis points to its rate for merchants who request monthly rather than daily billing.

According to the company’s merchant agreement, businesses can lease or purchase hardware from Heartland. Equipment leases lasting the term of a contract often result in fees exceeding the price of equipment which can be purchased for under $500.

According to a representative of the company, Heartland has imposed new fees which drastically increase the cost of its merchant accounts. According to that representative, the company now charges a $125 PCI non-compliance fee, a regulatory fee of $69, an analytics fee of $54, and a service fee of $150. Many of these fees are new and have not been disclosed on the company’s website. Merchants who currently rely on Heartland for payment processing should be aware of this change of policy and be diligent in reviewing their account statements for these new fees.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Heartland Payment Systems also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Fee Increases

Over the last year, we have seen merchants and agents report fee increases and unexpected fees. One former agent claimed that Heartland was planning to raise its rates in February 2018, and a company representative later confirmed this. However, this rate increase only affects merchants whose initial three-year contracts have expired and who have seen significant reductions in their sales volume. Multiple merchants also claimed that they were charged $299 without any advance notification because they had not yet upgraded their terminals to be EMV-compatible.

Slightly Better Than Average Terms

In general, Heartland’s contract terms are better than industry averages but less competitive than a month-to-month contract with no termination fees. If you can add any more details about the company’s pricing, please leave them in the comment section below.

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Response from Heartland Payment Systems

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Heartland Payment Systems Complaints & Customer Reviews

Key Points

Total Online Complaints 150+
Live Customer Support Yes
Most Common Complaint Hidden Fees

Low-to-Moderate Complaint Volume

For a processor of Heartland’s size, the company has a low-to-moderate number of complaints posted in the normal channels and forums, and only a handful of these complaints accuse the company of being a scam or a ripoff. Nearly all of the negative Heartland reviews mention fees that were not properly disclosed before signup. In fact, the sales agent appears to be a major factor in determining a merchant’s future satisfaction with Heartland, so merchants are encouraged to work with someone they trust.

Specific Merchant Complaints

Aside from complaints about agents, there are a handful of reports (and at least one lawsuit) from merchants indicating that their fees were suddenly raised without notification. Complaints such as this one are representative. In this particular case, the merchant “told [the sales agent] I would try his company but I would not sign a 3 year contract. [The agent] said no problem.” Later, however, “they told me I signed a 3 year non cancellable contract and I would be charged $295. I asked them to send me a copy of the contract and it was a obvious forgery.”

Heartland Payment Systems Lawsuits

In October 2017, a judge preliminarily approved a settlement of $2.5 million in a proposed class action lawsuit against Heartland. The plaintiffs in the case alleged that Heartland initially told merchants in June 2014 that it would charge them the same rates for American Express that it charges for Visa and MasterCard. They further alleged that Heartland proceeded to bill them in October 2014 for an “American Express Fee Adjustment” that contradicted the company’s earlier statement as well as the terms of its contract. The settlement has not yet been fully approved.

In July 2018, the Securities and Exchange Commission filed a lawsuit against ex-Heartland CEO Robert Carr and his romantic partner, Katherine M. Hanratty, alleging that the pair engaged in insider trading at the time of Heartland Payment Systems’ sale to Global Payments. In October 2018, the lawsuit reached a settlement, requiring Hanratty to disgorge funds and pay a civil penalty. The SEC case against Robert Carr is ongoing.

Heartland Payment Systems Customer Service Options

The remaining negative reviews generally mention poor customer service and withheld funds, although these are varied in their details and severity. Generally speaking, Heartland appears to offer above average customer service that is somewhat undercut by its billing practices. Heartland offers a variety of support contact options on its website, which is what we expect of top-rated payment processors for customer service.

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Response from Heartland Payment Systems

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Heartland Payment Systems BBB Rating Summary

Key Points - BBB

Product & Service Complaints 23
Billing & Collection Complaints 21
Advertising & Sales Complaints 2
Guarantee & Warranty Complaints 0
Delivery Complaints 1

Over 40 Complaints

As of this update, the Better Business Bureau is showing that Heartland had been accredited since 2004 but no longer holds that distinction. The BBB is awarding Heartland an “A+” rating and reporting 44 complaints filed in the last 36 months. All things considered, the total is a low complaint count for such a large processor. Of the complaints, 23 were due to problems with service, 21 had to do with billing, 2 was related to advertising/sales, and 1 with delivery. Heartland resolved 9 complaints. The remaining 38 complaints were answered but did not receive a final response from the merchant.

What Merchants Say

In addition to those 47 complaints, Heartland Payment Systems has received 4 informal reviews. All 3 of these reviews are negative. The most recent of them mentions a case in which Heartland imposed an early termination fee despite promising the merchant that they would waive it:

I have had nothing but issues from this company! The representative that worked with us promised that if we decided to go with another company that they would waive the early termination fee of $295. We canceled a month after we signed up (which I would think we would also get a 30 day trial) and that was in April 2019 and its now November 2019 and we have yet to receive our $295 credit. Not to mention they have charged us for gift cards that we never even were able to set up or get, which is one of the major factors in why we had to switch to another company. The representative that we were working with has basically ignored any calls/texts/emails I have sent to her anymore. I have had to put a stop payment with my bank for them to quit taking money that doesn’t even belong to them. Nobody seems to know what is going on there, when I call, they act like that they have no clue who to talk to about the charges or who is supposed to give us our credits/refunds back. Very frustrating when someone tells you they will get back with you and you don’t hear from them. I am trying to run a business, I don’t have time to be constantly calling them to fix their errors. If I would have known Heartland was going to do this or treat their customers this way, I would have never given them a thought! Very Unprofessional!! Tried leaving a ZERO star review, but it made me provide at least one star! They don’t deserve any though in my opinion!

Early termination fees are typically the most costly charge associated with a merchant contract. While some are conditional, the fee is typically mandatory. However, there are ways a merchant can cancel an account without paying a fee.

An “A” Rating

Given the company’s low complaint total for its size and time in business, we agree with the BBB’s rating.

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Response from Heartland Payment Systems

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Inside Sales Team

Heartland does not use any deceptive advertising or rate quoting practices that are apparent to this reviewer. Additionally, representatives of Heartland have stated that all of the company’s sales staff are internal W2 employees who undergo background checks. Heartland never outsources its products and services to other companies and never uses independent contractors, sub-ISOs, or reseller organizations.

Nondisclosure of Early Termination Fee

Although the company claims to go to great lengths to fully disclose its contract terms to merchants, the most consistently reported complaint about the company is nondisclosure of its $295 early termination fee (ETF). It appears that Heartland’s standard practice is to provide merchants with two documents at the point of signing. One is a short summary of the pricing and contract length, commonly referred to as a “merchant agreement.” According to merchant complaints, this agreement does not clearly mention the early termination fee (ETF), although company representatives state that this fee is disclosed directly above the signature line. The second piece of documentation is a large handbook of user guidelines, often referred to in the industry as a “program guide.” The early termination fee is mentioned somewhere in this larger document.

Some Cause For Concern

We do not consider this disclosure method to be very transparent, although there seems to be some variation among the company’s agents when it comes to verbally disclosing the ETF. The consistency of Heartland complaints emerging about nondisclosure of the company’s ETF has prompted us to lower Heartland’s rating in this category to a “B.” If you suspect that Heartland is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

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Response from Heartland Payment Systems

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Heartland Payment Systems Marketing Example

Heartland Payment Systems Logo

Our Opinion of Heartland Payment Systems

A Large, Competent Credit Card Processor

Heartland scores relatively well in this review despite its large size. In the wake of the data breach it experienced in 2008, the company has thrived and become an advocate for data security and merchant education. The company could improve its rating in this review by lowering its three-year service agreement to a shorter term, or by giving all merchants the ability to cancel service any time without a penalty. Heartland rates particularly well for merchant seeking the best providers for online PIN debit transactions. Other merchants considering Heartland for service should still compare its pricing and terms to top overall merchant services providers.

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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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172 Reviews Leave Your Review for Heartland Payment Systems Below

  1. Helen Adeboye says:

    My name is Helen Adeboye sometimes in the month of November 2019 I decided to consolidate all my credit card into one account to safe on interest rate or get a debt considation company to help negotiate it and pay it off. So I called one of my friend to discuss this issues. She directed me to Heartland debt consolidation company I called them and narrated my story to them. I was told to meet with one of their attorney to hold a discussion meeting of which I did. Per our discussions she never mentioned that I will be contracted for 3years and 2000 dollars for legal fees to consolidate 20000 credit card debts. Per our discussion, I am to pay 390 dollars monthly then between 30-90 months all my creditors will be notified about forthcoming debt negotiations for me. I waited and waited for them to make a move but they never care to call my creditors. Then after the fourth month I decided to give them a call. They said to hold on I should not worry I should keep making monthly payments. Then I became worried because all my creditors started blowing up my phone calling and calling me to pay up my debts. So at the end of 7th months I give heartland a call asking what is going on I spoke to more than two representatives they all told me I’m contracted for 3 years I have to keeping making 390 dollars for 3 yrs before they can call my creditors. I was shocked. Then I said nooooo that was not my discussion with the attorney they said they sorry that’s how it is then I told their representative this is wrong u can expect me to keep making monthly payment while u not doing ur job. Then I said can’t continue with the contract if u not being helpful. I was never told it will take three yrs then she said go and review all the contracts documentation including the fine lines. Then I said can I get my refund she said No. They can’t offer me refund because all the money I have sent in was put into the legal fees non of it has gone into the negotiations account yet because I have not build enough fund yet I have to keep sending money in for atleast 3 yrs. Then I fully knew what was going on I am scammed!!!! I cried no one to cry to.

  2. Dennis M Stone says:

    I have always had an unfavorable view of Heartland going back a few years since their rep came into my store and reviewed my cost with their competitor PNC and said she could save me on my fees. This rep left Heartland the week after I switched over. I was basically locked in with Heartland through their acquisition of PC America’s Point of Sales System, “Cash Register Express.” It would have cost me a considerable amount of money to get out of the contract. Now, today I received a $100 credit card processing fee from Heartland for April 2020 without even processing a single credit card transaction. My retail store was closed as “non essential.” Heartlands excessive fixed fee is not conducive for small retail stores.

  3. John says:

    Heartland will be adding a $54.95 per month fee in April to most customers statements for an Analytics product, Cancel by end of March to avoid the fee.

    The message is as follows:
    A unique and exciting new solution is now available to you! Heartland’s powerful customer intelligence solution gives you the power to move your business forward by combining your processing data and local market information. With tools like competitive intelligence and valuable customer insights, this product allows you to monitor and manage your social reputation, while also receiving real time analytics regarding customer buying behavior and competitive market intelligence.
    Our powerful new customer intelligence suite provides:
     Relevant, local benchmarking data for businesses just like yours
     Reporting and analytics through an easy-to-use, intuitive online portal
     Resources to help you understand and manage your online reputation
    How to Get Started
    As a valued Heartland customer, you will be receiving a free, 30-day trial to Heartland’s analytics, customer intelligence and reputation components. During this time, you can use it to measure your local business impact, discover exactly where your customers come from and determine (and improve) your online reputation.
    Beginning in April, you will be billed $54.95 a month for continued access to our innovative customer intelligence suite, which will appear on your statement as line item “Customer Intelligence Suite.” If you feel the value you receive from this information doesn’t improve your business results, or at any time wish to no longer have access to this product, simply contact our Customer Service team at 888-963-3600 to cancel.
    We are excited to offer you access to this unique product. We can’t wait for you to see the capabilities our customer intelligence solution offers and how instrumental it will be in guiding your business decisions. To use and better understand Heartland’s customer intelligence suite, please log into your account at InfoCentral.HeartlandPaymentSystems.com or contact your Customer Support team at 888-963-3600.

    1. Brian Clark says:


      Thanks for your insight. We have received reports of this new fee from others and updated our review to reflect it under the costs & fees section. Your help in keeping this review current and accurate is greatly appreciated.


  4. donald wiseman says:

    pci noncompliance fee is being charged monthly didn’t know what is was I bought there machine they set it up but I didn’t call the 1 800 number to get there compliance on there set up agent did not tell me 125.00 a month for a long time be careful and check your bill

    1. Brian Clark says:


      This article could help you get a better understanding of how to maintain PCI compliance to avoid a non-compliance fee.


      1. Rachel says:

        Writing from Louisiana in the middle of a pandemic. I called to see what help heartland could provide since we can’t take cash doing curbside delivery. I came to find out I also had been being charged $125 PCI which I did and was a basic survey. I asked why I was never called or told about this. We started with an outside rep who never mentioned it. They now no longer have outside Reps. The inside rep says they added it after we signed up and it would be on page 3 of our statement. So I checked the most recent statement and nothing was there. Apparently they slipped it in on ONE months statement in March of 2019 in a comment section between over 6 pages of numbers!! Never mentioned again. That’s about $1750 in a little over a year. You gotta be kidding me!
        Now I am looking at that same section and they are RAISING the star rates from .06 to .09, DURING A PANDEMIC. This is price gouging. I am just starting to look through the statement and there is no telling what else I’m going to find. I spoke to the rep 2 weeks ago and she told me once we did the PCI survey they would refund the full amount but she didn’t want to do it then because many businesses are going out of business and they can’t do anything about the contracts during the pandemic. She told me to check with her in 2 weeks. I called her today and she said she could only refund $500 and if so would extend our contract for another 12 months! Excuse me?! I don’t think so!! I found this site very helpful since it also explained interchange rates which I am about to compare. I am going to find another provider. Instead of helping during this, they are punishing us on top of all their fees they have been sneaking in. Disgusted customer here!

  5. Brian Williams Jr says:

    I have been doing business with Heartland for over 5 years and recently switched over to SunTrust Bank. I even gave Heartland the chance to keep my business by letting them know what I was being offered which was $2500+ a year in savings for CC batch services. I even gave them the terms of agreement from Suntrust to them so they can look it over and try to beat the price. They came back with an offer of $800 per year in savings. Obviously, I went with Suntrust knowing that I had to pay $300 per terminal (which I have 2) to Heartland to switch over, which came out to be $655.50 after taxes. Fine, no problem there, I knew what I was getting myselft into. Well, it is a month and a half later and I just received another bill from Heartland for $178.50. When I called customer service to get the charge taken off, they said that I didn’t close my account. Not one of their representatives told me I had to do that, or I definitely would have. Also thought that it would be understood since I just paid them $655.50 to change my account over to a new processing service. Upon telling the representative over the phone and asking for a refund, she said we can’t do that sir. This is how you treat people that have been with you for over 5 years? Beware anyone thinking about switching over. The perks of being with them is automatic batch and money in my account the same time everyday; the bad news is obviously loyalty doesn’t mean anything to this company, they will not give you any information regarding closing your account until they have billed you for it, and it is the only company that charges you for switching over. Every single CC batch service company that I had talked to (which was 4) told me they don’t charge for switching from us and there is no contract. Also, if you are not PCI compliant (which apparantly everyone now needs a degree to do this), they will charge you $178.50 on top of your processing fees (that’s what the representative said I was being charged for since I didn’t close my account). Also said will I be charged next month and she stated no because there was nothing being processed which I then told her I had nothing processed from last month and you still charged me. She assured me that this wouldn’t be the case this time. Beware people, make damn sure you want to do business with this company and you are ready to fork over a lot of money just to switch over in case you don’t like it.

    1. Brian Clark says:


      Sorry to hear about that experience. While I understand why you chose to take the initiative to change your service, perhaps canceling the account would have been a better direction to go in. In the event you have yet to do so, be sure to understand what measures you can take to cancel a merchant account without paying a fee.


  6. Bethany Stewart says:

    I am also very upset over the non compliance fee. I didn’t realize till November that I was being charged $125 a month. I am a very small business, and this really hurt. They did not give very good instructions on how to do the non compliance either, and I found that to be a very painful process. When I contacted heartland about the notification of the fee not being as obvious as it should have been and that they didn’t do a good job of notifying their customers, I was told that they didn’t notify people through email because they couldn’t be sure the email addresses were up to date and they were not going to call anyone, like that would be too much work. I get notifications everyday about by batch results through email! Don’t tell me that you don’t have my email contact information! It just makes me sick that they’ve sucked all this money out of my bank account because they have access to it. I feel like I’ve been robbed, and I told heartland that. It’s an awful feeling. They did refund 2 months, but they made me feel like an idiot for not reading my March statement to see the notice and that they had been “covering” these fees to the third party for quite some time. They should have done a better job of making sure their customers were aware of this. I’ve been using this company for over 15 years, and this is how I was treated. Very disappointed!

    1. Brian Clark says:


      Understanding how to maintain PCI compliance is imperative for merchants to avoid these fees. This article can shed some light on how to avoid being charged a PCI non-compliance fee in the future.


  7. Jessica J Young says:


  8. Bullseye says:

    The folks at heartland have saved nearly $100 a month in payroll processing. This is a tremendous help to my business.

  9. I have been with Heartland since September 2013 and have their services in 6 locations. I have always followed the compliance notifications anytime they have been sent to me via email. I do not have time to read thru the monthly statements and just file them away until the end of the year, as I have trusted that they would do the right thing. Boy, was I wrong.
    Over this past weekend I received a notification about my compliance needing some attention and I had also noticed when preparing my year end financial statements that my credit card fees had really increased from previous years. So in looking into this when I got to work Monday morning, I realized that from April thru December and again in January 2020 (10 months) they have charged me $125.00 per month per location for being out of compliance on all but one of my locations. Yep, I have been charged an additional $6,250.00 for not being in compliance on 5 of my 6 locations.
    I proceeded to call Heartlands customer service and after being transferred 3 times I got to the manager who was going to “help” me with this. He proceeded to tell me that if I sign up for another two year contract, he would credit me back 3 months worth of charges ($1875.00). This appears to be a form of blackmail to me. He also proceeded to tell me how I should be running our businesses and basically told me how stupid I am for not reading the statements line for line each month. I have always reconciled my bank statements each month to make sure that all deposits have been made. I didn’t think I needed to be checking on Heartlands fees also, I just thought that they would also be on the up and up. I have been taking credit cards for 39 plus years and have never experienced anything like this and am just sick about it. I tried to explain to him that I have always received e-mails any time I have needed to go thru my compliance on any of my accounts and have always done them as I received the emails. Again, trusting Heartland to hold up their end of the deal. I paid credit card fees to the tune of $44,000 in 2019 and this is how they treat their customers. Needless to say, I am not going to be blackmailed by these people.
    A good lesson on how not to treat customers! I hope that Heartland takes a good look at how I was treated and internally make some changes on how they treat their customers.

    1. Brian Clark says:


      This article may help you understand how PCI non-compliance fees work to avoid this issue in the future.


  10. Kevin James says:

    Much more expensive than square. The sales guys loved playing down compliance. The readers are twice the cost of square readers. And they will give your phone number and email address to everyone. Don’t waste your time with this circus.

  11. Maurice says:

    I would not do business with this company. Chicago company operates like Comcast they will start jacking up fees on you. Make sure to watch statements very carefully. Their “reps are just salesmen they are not their to help”. This is a quote from their Chicago office. Corporate employees only interested in stealing your money so don’t expect any help from them. They will just keep telling you well 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. They will send you letters about processor compliance. These emails 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 BS compliance crap. Which has nothing to do with any form of compliance it turns out it is just another way for these firms to take your money. 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 they are not a firm with integrity they are just what you would expect out of Chicago. There are many other firms in industry that are better. I have owned many businesses in last 30 years. Heartland is not a business that is built on honesty or integrity so do yourself a favor and choose a different processor it will save you in the long run.
    Sincerely Maurice

    1. Brian Clark says:


      This article may help: Canceling a merchant account without paying a fee.


  12. Jill Nystrom says:

    i did business with this company and eventually found that i was being ripped off with their “non” compliant BS!!
    If you do business with them..i would get out..most other companies help you with this not charge you $125 a month non compliance BS !!

  13. JOHN HEGEDUS says:

    I called to inquire about cancellation. I wasn’t aware I was in a three year contract. The customer service woman asks me questions then tells me my fee will be 300.00… and my contract expires in 3 weeks.. I told her that I want to cancel the cancellation of the contract and wait the three weeks.. She says.. “too late I have already sent the request” WOW!!!

  14. Tim Berry says:

    This place is full of clowns !!!!!! As most places do, this place will tell you anything to sign up with them even slide in the 36 month contract. Promised me services they didnt even offer then after canceling they charged me almost $300 in fees $125 for not taking their survey even with me having emails from their salesman telling me all the empty promises. SAY CLEAR !!!!!!!!!!! . Save your time and money for another company.

  15. Joe Skiba says:

    worst customer service in history,very rude did not want to do their job…will speak to owner of my company to discuss termination of heartland payroll systems tomorrow morning.

  16. Reeva Luecke says:

    Do not use Heartland. They charged my businesses over $800 each for non compliant fees. When I inquired they said they had emailed me numerous times and it’s my fault I did not do the non compliant questionaire. I said I never rec’d the email. On further investigation they never gave my email to the third party who is doing the non compliance process. They said too bad we notified you on page 2 of merchant statement. That does me no good if you notify me, but when I ask how to resolve you say you emailed me. And when I say you didn’t email me they say that’s your fault if we don’t have the correct email. I said you do have correct email, you never gave my email to the third party company to contact me. They say oh well, read page 2 where we notified you. They also had someone else’s email on my other business account. When I asked them to look into this they said they got the email address for me. I said no you didn’t, I don’t even know what email that is so can you please look into the security of my account? Who are you emailing my business information too? The lady said you. I said oh my, that is not my email. How can I get this account straight? She said she can escalate it which will take 7-10 business days to return my call. When I asked for my money back they said no. There are so many options out there today, why hassle with this company?


    I think that ppl out needs to know that if you have any CHARGEBACK , there will be no chance for you to dispute do to careless Heartland ppl in that department , they will leave you no time to respond or reach to you making sure you received msg, today I had to deal with 2 ppl Rhonda and Kris , both no help and totally did not help at all, looks like they just hate even talking, not say doing anything to help , the fact that they did not care to reach to me and gave me chance to dispute chargeback for service received by person disputing ( $340.00), they help system which aloud ppl to leave , disputing charges after receive svc. Thankfully In this company all are not like this and Miles , from sales did all he can to help and respond to mine emails and questions even was not his department. Thank you Miles , but hope that someone in Heartland will question what for you pay Rhonda and Kris in this case ? they did not reach to customer and help ? I care for each customer opinion , hope you to .

  18. Wesley Tucker says:

    We were forced to switch from Heartland to First Data in the last couple of months due to a change in our POS hardware.

    After working with First Data for a couple months, I feel a little spoiled by Heartland.

    Heartlands InfoCentral website is far superior. The site has all data real time, whereas First Data I have to wait 1-2 days after a batch is submitted to even be able to see it.

    Also, Heartland funds transactions a day earlier than first data and would refund chargebacks within 2-3 days. I am being told by First Data that it can take 30 days.

    1. Phillip says:

      Hi Wesley,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  19. Laurie Berthiaume says:

    BEWARE of this company, I was charged 500.00 in NON- Compliance charges because Heartland sneaks the notification on the backside of your statement and had the wrong e-mail on file and where this is something you do ONCE a year it can get forgotten, and they set their own fee price at 125.00 per month you are non-compliant, highway robbery!!!!!!!! Most companies charge 20-30 a month

    This post will help: Find and Eliminate Hidden Fees From Your Monthly Bill


    1. Laurie Berthiaume says:

      I like their response of defending themselves, there really is no defense and the customer service was useless and rude, especially because we were switching companies because of their attitude.

      This post will help: Best Payment Processors for Great Customer Service


      1. Rebecca Good says:

        I AM SO P***** !
        I just had the same thing happen to me 2 locations and over $2200
        Everyone needs to be warned about this ! They brag that they have honest upfront pricing ! But the $125 fee is listed on a small line item on PAGE 4 !!!! I never saw i was being charged !
        I have to follow up tomorrow who knows if I’ll get any credit , did you ?
        I’m switching to the square ! Which is already pci compliant

  20. Masoud Athari says:

    Salesman lies to sign you up. Customer care and account manager pretend they care. Took them 2 months get back to me with fees I was getting charged and been waiting for 2 weeks to get answer from Ryan account manager to resolve my problem. By the way I never sign nor got hard copy of my co tract with fees and rates !
    Going back to capital one bank same rate no hidden fee no contract.

    This post will help: Find and Eliminate Hidden Fees From Your Monthly Bill


  21. troy d bowman says:

    There customer service has gone to crap over the last few years. Having been with Heartland for about 5 years, the only seeming answer is a decline in their training, lower competence in their staff selections, or the phone contact people just lie. I received a bad reader, for which I paid, and it did not work properly. I contacted the service center and the rep told me it was my phone which has always worked with the system. I called back today and was told I couldn’t get one after July 1st, which is today, and that I would need to buy a different one without compensation for the broken one I had just paid for.
    Beware, once a very good company but not so much anymore.
    Doug Bowman

    This post will help: Best Payment Processors for Great Customer Service


  22. ludmila bader says:

    On June 1st was charged for non compliance fee because I comply on May 16 instead of May 1 but I got form on May 16 and when I called them on June 20 they said they never got it but I have certificate and Support group said that I complied. So far I was charged 250.00
    dollars for April and May and it looks like I am not going to get refund and they probably will charge next month too and give me another story.
    Sad, because they used to be good, not anymore rates went way up and additional fees are appeared on the statement. After 10 years time to say goodbye.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  23. Larry Hall says:

    Need to updated your review on Heartland, they just started charging $125/month PCI compliance Fee. As a small business owner that had 3 stores with standalone CC machines….and working software security for 30 years in Dod, FBI, CIA… the questions are a joke. 95% of the questionnaire should be filled out by Heartland. I don’t have access to any of the hardware on their standalone hardware. I have no idea how cryptic the credit card info is sent over net.

    This post will help: PCI Compliance Myths and Misunderstandings


  24. Marc says:

    When was the customer billing interface created, 1985? This is the clunkiest, most confusing interface for online bill pay that I have encountered in quite some time! Not the least being requiring Flashplay to run? Really? Password recovery option only operates correctly on a whim, etc., etc. I have begged my insurance company to find a new processor!

    This post will help: Best Merchant Accounts for Sending Online Invoices


  25. Howard A Beck says:

    My personal experience is Felicia our salesperson is wonderful at selling. The issue is we have not been able to get our merchant money from them. We are over a week without our funding. We have sold merchandise and people have left with their products, the issue is Heartland telling us day after day we will see our money the next day well a week later and not a dime.They are a bunch of liars…. We have lost merchandise and valuable staff time calling Heartland everyday only to be told we will be funded the next day. hmm I wonder what the next day means to them

  26. Cheryl D Poole says:

    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 Linda and Maile Beveridge. 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 Maile has tried to fix this but Heartland will not credit this back!! HIGHLY DISAPPOINTED!! Do NOT trust them with you business!!!

    This post will help: Budget-Friendly Merchant Accounts

    – Phillip

  27. e says:

    Heartland has been a terrible experience for us. They send out sly sales reps who make promises that the company does not keep. They have huge fees, they will not save you money and their customer service is terrible. They are supposed to be working for the merchants but they are not doing that at all. Any time I called to dispute anything I was talked to rudely, even hung up on when I asked to speak to a supervisor. do not sign up with them. On top of all of that if you are not happy with them they don’t care but if you cancel you have to pay them an early termination fee of $295. yep that is correct $295 even if you are cancelling because of them and their bad business. I guess that’s the only way they can keep you there or take more of your hard earned money.

    This post will help: Top-Rated Payment Processors for Great Customer Service

    – Phillip

  28. ALEJANDRO RUIZ says:

    they promised me a low price and I’m paying dearly, the representative never answers

    From The Editor
    This Post Might Help: Best Merchant Accounts for Great Customer Service

  29. Jenny says:

    Tech support for this specific program is all but non-existent. Should you need help logging or changing your password you will find it a difficult process without aid. Heartland as a corporate entity is grossly unorganized, constantly changing their business structure and unable to provide a competitive and efficient product in whatever market they decide to enter. Expect weeks of delay in getting an answer on vital inquiries- should anyone decide to answer at all. Do not recommend.

    From The Editor
    This Post Might Help: Best Merchant Accounts for Great Customer Service


    We were with this company for Years- Then without warning we had a Huge Rate increase! No notification as required! Contacted my sales rep who put me off for two months and finally put me in contact with Russell and told me the company had switched hands!. Russell was not nice as I was used to in the past with this company. He eventually did discount the fees a little because we had sent them customers and had been with them for so long. And tried to get me to sign a new contract – Thank goodness I did not and went to a new company because I have heard it has gotten a lot worse there!

    From The Editor
    This Post Might Help: New Fees From Heartland

  31. Faith Adams says:

    For the past 2 weeks we’ve been getting 3-6 calls every day from angry customers claiming we have double charged them.We haven’t.Customer service told us it’s not their problem and nothing can be done about it.we are wondering if this is happening to other Heartland Payment Systems customers.

    From The Editor
    This Post Might Help: Best Merchant Accounts for Great Customer Service

  32. Dan W says:

    Beautiful company to work with.
    Saved me from a horrible reseller who promised me the world, then completely botched on every promise. Now I have been with them for years. Customer service and reps are all phenomenal. Truly a great company to be associated with. Card and payroll products are leaps and bounds above the competition. Give them an A++

    1. Phillip says:

      Hi Dan,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  33. Dale Howard says:

    After 13 years with Heartland – they turned into a criminal company. In the middle of the night raised our rates almost 300%. $14,000 later we are switching companies. They use to be a good company – NOW BEWARE!. I understand they got bought out a year ago – the new company is unethical and criminal. They will suck you in and then raise your rate. Their equipment (we spent thousands) if they program it a certain way can not be used by other processors – so our 2 year old equipment is going to cost us $7000 to replace. Their sales reps would just soon lie to you, disguise what they are doing with smoke and mirrors, and have no problem stealing form their grandma. Be careful of the contract you sign it is evil! Hugh penalties for cancelling even though they raise your rates almost 300%.

    From The Editor
    This Post Might Help: January 2018 Update: New Fees from Heartland

  34. Very Happy with Merchant Services. We are a service company. Very Good Customer Service. Very Responsive.

  35. Elbert says:

    As someone who worked on the inside they don’t care about there customers, since the global acquisition of heartland it’s just terrible they lie about fees and how we don’t chardge them but we do , worked with several account well over 1000 plus that where just left open and continually chargeijg the customer and if they didn’t close account accrued bogus fees the that screwed merchants credit, the trainers are a joke lol when you escalated something to
    Management they just assign it to someone under them, the managers have no idea what there doing or even how to manage. There an elitist menatality company with an ego that is backed by nothing lol square does a better job and square is aweful. Probably the first company I have ever worked for where we can see clearly we lied and screwed the customer and my boss is like ohh well fuck them. I feel so bad not only do they screw over there employees and merchants but there people In the field get treated even worse… they say you can be vested with your accounts but in honesty they will call that merchant raise there price and get them to leave and then come back at the same price all to not pay the person who signed the account… in whole there a company just like Comcast and just like ATT they don’t give a fuck about you or your money.. I can’t begin to tell you how shocked I am with how loose they are with everyone in the worlds credit card information … I mean you can access anyone’s card info at anytime and right it down and it’s yours . It’s the worst most scared experiences I have ever seen …

    Also everything is refurbished lol… they purposely have been crashing systems soon there will be no more heartland lol… I would be down right scared to eat anywhere that uses heartland as a payment processor simply because they are so loose with credit card numbers it’s ridiculous …. the Manadgement is a bunch of kids who are all new for the most part, the CEO remind me of the CEO of Radioshack when they went out of business. I mean they are really bad favoritism is clear they call it a campus because they think there the cool kids… half the people that work there couldn’t teach a child… all an all i am not to worried they wil soon be out of business as soon as global sucks everything out of them, Then all those people who are so stupid they couldn’t work at Mcdonalds will be forced to find another job lol..

  36. Chris says:

    Wouldn’t give them 1 star but can’t choose 0 stars. The company is all about #’s and not customer service or helping out customers/businesses. We’ve had 5 people in the past month use stolen credit cards for our products. Heartland shut down our account because it is too risky. We were at risk of shipping out products and then the stolen card doing a chargeback. Heartland did not care at all that they were stolen cards, or the fact that every chargeback that was open, we disputed and won. They don’t care if someone does a chargeback for no reason and they are in the wrong. 20 people could do a chargeback for no reason and you could win all 20 cases, but Heartland could care less.

  37. I’ve recommend Heartland Payment Systems to several business owners and have always gotten rave reviews! I love Michael Kinney in particular. Great customer service!!

    1. Heartland Payment Systems says:

      We appreciate your business and recommendation Melanie. Thank you!

  38. Card guy says:

    Be aware come Feb Heartland will be increasing their fees on their smaller merchant base. It was only a matter of time until they finally hit their customers with rate increases and its coming so keep your eyes on your statements as it will be announced there.

    1. Lori L says:

      Has anyone found an effective way to combat Heartland’s February rate increase?

      1. Card guy says:

        What do you mean by combat? Bottom line is the company that’s always pointed their fingers at everyone else about rate increases and has praised themselves as as being a company that never does that…. has now done that and will most likely continue doing that.

        1. Kellie B. says:

          The fee increase only effects those customers who are no longer in contract and have been at the same rate for many, many years. It also only applies to those businesses who are doing significantly less volume from when we initially signed them. Every industry at some point and time have rate increases due to the economy and the price of doing business. Most of our competitors raise their rates within 6 months of signing. Heartland has always honored your rate while you are in your contract with them and beyond. Your price is locked in for the full 36 months but after that you could be subject to review. I explain this to every one of my clients!

          1. Chad says:

            For years and years the Heartland story was always that they don’t raise their profit on accounts….period. When the economy took a dump and Merchants needed our help the most Heartland had large increases on many of them even though they weren’t losing money on many of these accounts they just weren’t making as much money as they wanted. Heartland always has a way to justify increases and they’ve done it for years. The bottom line is don’t pretend to be the knight in shining armor while pointing the finger at everyone else and then do those same things you judged others for. Just because you try to wrap increases in a nice neat package doesn’t mean you’re not doing the same thing you judged others for.

  39. Chuck says:

    I have been with them 15 years and they have gone from the best to the worst. They are now on par with Comcast for customer service. If you own a small business look for a better company to do business with. Long term you will be glad you did. I am sure I will end my relationship with them within the year both brick and mortar and online

  40. Matt ideus says:

    Company is one big schister!! Hit most of us users with a bogus 299 fee today. Not 2.99 yup 299.00 fee. The reason was that we were supposed to get new reader that read chips. The hardware they provided to date was all we knew that we needed. Dont remember the last time they deposited the next business day either. My thought is company is broke and needing to do something soooo stupid as to run off that much business. Wouldnt allow them to move any money of mine. As was consensus amonst several otherr small businesses in my area. Supposedly there was something in one of my previous bills. Myself and 6 other business owners have no idea where. Would deffinately not do anything with this company!

    1. Bob Treece says:

      I was charged the same fee which is not mentioned in my contract. I was also charged back nearly $1000 on a credit card that they approved. It was not a chip card but because I didn’t have a chip reader I was charged back. I have been dith Heattland for several years and their fees continue to increase. I am shopping for a new processor. Stay away from Heartland. BEWARE THEY WILL DRAIN YOUR ACCOUNT WITH NO WARNING!!!!!!!

    2. deb says:

      Same problem here. I am contacting Attorney general for our state as I think they should have notified us of this illegal, unauthorized charge/removel of funds from our account before doing so by registered mail. Sales agent told us they would refund our money IF we bought the new machine from them–if we bought a machine from someone else, they would not refund the money. Smells bad to me……

      1. Matt Ideus says:

        Just dont see how a company would loose 10k a year over 300 dollars. Had they sent me a reader i would have gladly used it!!

    3. Gary Yu says:

      I cancelled service since Nov 01, 2017 and they still charged me until Feb 2018 when I call back. Once my service has been cancelled, they slap me a $295.00 early termination fee which I stated no contract when sign up.

      This is the second time I have tried Heartland and will not use them again in the future.

  41. Keith says:

    I spoke w a supervisor at Heartland and point blank asked them why they didn’t have a PCI charge on their billing. They danced around the question but finally I asked it this way “If your merchant has a breach and are not compliant are you going to cover their fines”??? There was silence and a “NO”. There ain’t no free lunches folks. PCI is mandated industry wide so if you believe you have the “option” then I’ve got some prime real estate in the swamps of FL to sell you

    1. Greg says:

      Why are you disappointed that a processor doesn’t charge a fee for a service needing to be offered by a 3rd party?

  42. Jeannette says:

    I began using Hearland about 4 months ago. The payment processor that attaches to my iPhone has a defect. Even after I asked for a new charger, the problem continued. It charges my clients each time I swipe it and it does not go to the signature page. Even though they only sign for example $150.00 they may really be charged as much as $600.00 or more dollars. I asked Heartland to cancel my account and to stop taking money out of my account, they have continued to charge me. Be very careful of this company!!

  43. Former Relationship Manager says:

    I worked for Heartland for over 5.5 years. I learned the hard way they are all smoke and mirrors. They started increasing customer monthly fees and swipe fees on some POS software in April 2017. I left in May 2017 and everything they promised when hired I found was also a lie. You are not building lifetime residuals. I priced business owners as low as I could because I wanted to keep them. I always said I depended on every business in my portfolio to make a paycheck and I truly did. In less than 2 weeks they have stolen from my commissions over $1700 and taken away over $3600 in residuals I have earned. I am hurt and ashamed at how much I trusted them. The Heart left Heartland when Bob Carr left. Shame on them and all those in management who are relishing in their power. The truth will come out.

    1. Former Relationship Manager says:

      Heartland is managed my TYRANTS. I never get a respond from upper management. The payment structure is a ponzi scheme where your VP, DM, and TM all make money on your sales and take part of your commission. When you close a new account upper management bombards you with texts, emails, and phone calls asking you when they will activate so they can be paid. They upper managers I corresponded with are all self-absorbed and egomaniacs. At the end of a month they text you around the clock who closed what which is very demeaning especially when you are struggling. Heartland makes their sales reps, who don;t have any base pay, order site inspections at the reps expense. I notice Robert Carr opened an identical company, Beyond, Inc and many “honest” employees have jumped ship to work for Beyond. I heard Heartland refused to pay any vested employee their life-time residuals. Do you trust Heartland?

      1. Scott Wedemeyer says:

        What region/division were you in? Being with Heartland for under 6 years, you must have received the training focused on NOT selling on price. More clients have left the Heartland portfolio that were priced at the bottom of GMO than if they were priced fairly and correctly to begin with.

  44. Jeff Meh says:

    IMPORTANT: READ THE SMALL PRINT!! I was with Heartland for a couple of years and was overall happy with their pricing and services. I recently found another provider with better rates so I switched. Only then did I find out THERE IS A $199 TERMINATION FEE FOR THEIR ACH SERVICES!!!

    I was going to protest but when I pulled out the contract, there it was – tiny print of course:

    ” TERMINATION: “…Merchant may terminate this Agreement after one (1) year and thereafter upon sixty (60) days written notice to SPS-EFT. There will be a termination charge ($199.00) for terminating services.”

    Admittedly it’s my fault that I didn’t read the fine print, but what a ridiculous fee (I’m sure they assume that nobody reads the agreements, so they can get away with it!!).

    So just let the buyer beware if you choose to use this service!

  45. I’m actually glad that Heartland was reviewed here. I have worked for Heartland for over two years and am building a career here. When I interviewed, working for a company with integrity and high customer satisfaction was paramount for me accepting the position. As for the aforementioned early termination fee, this seems to be a sticking point from our score being an A+ rather than an A. I can live with that, because I will personally vouch for why I think it’s a fair deal. After you hear my explanation, there is no reason we don’t deserve the A+.

    When I enroll a merchant the pricing is almost always lower. I even offer to waive a three-year contract. All Heartland reps can do so. However, there are exceptions, and rightfully so. In many cases the RM (sales rep) will reach into his own pocket to purchase a terminal for the merchant. In doing so the three-year agreement ensures that the merchant is honoring my gift by fulfilling the agreement. It should be noted that Heartland will typically waive the fee if a business closes or is sold. We furthermore do not raise our share of processing rates- basis points, discount rate, transaction fee, nor settlement, for those three years. Now that is more than fair. I can’t see anything egregious about these terms anymore than a cell phone contract. With this dude, as with Heartland, Fairness and transparency abide. It’s about building and maintaining relationships by giving fair pricing, fair terms, excellent service, and clarity on our statements.

    We also offer unique solutions for many of the industry’s complex software and POS systems. And there are many. I’m proud to work for Heartland, and most merchants give us high scores. In fact, when interviewed nearly 50% of those who leave us would return to heartland. Sure, like any organization there is an occasional rogue representative, but they don’t last. Heartland asks that our character and values reflect their own. I rely on those positive customer referrals too!

    1. Kar Campbell says:

      John, your complaint about the early termination fee is null.

      You as the RM decides of the merchant is assessed with this fee.

      When you set the deal up in Atlas, YOU set if its month to month or 1-3 years.

      That’s right, you want the signing bonus upfront. I take the 30% residual over the life with no upfront. Its your greed that causes these complaints.

  46. jay bhakta says:

    heartland payroll is the worse service ever. Do yourself a favor. Stay away from this service. I signed up with no contract and then when I wanted to cancel it the said it is three year contract and there is cancellation fee of $295. They got the worst service too. Every moth we have to call them to make a payroll instead of they calling us for the payroll. However, their charges are ridiculously high. Closed the business account because of this issue, and believe it or not, one of the worst service mentioning again. When calling them with the same issues, over and over again, the customer service has no idea what they are doing. Saying that, I can’t stand this company. this service is the worst company to use ..everything they offer is a lie they have many hidden fees. they provide no contract it is all done with a individual on a tiny tablet electronically so i not recommend this company to anyone. Terrible experience. Early termination fee was not mentioned. Heartland has reps that will do or tell you anything to get you signed up. After you have CC processing in place you soon learn they are very noncompetitive and unresponsive to concerns. and hit me a charge of $299 after I cancelled

  47. John Kim says:

    This company will lie about ETF and monthly minimums… they used to be honest but now sends out lying sales people and even over phone lie as well about fees. never use this company business owners!

    1. Wendy says:

      John is right- I met many merchants who said they’d take cash before ever returning to do business with Heartless! The Relationship Managers have a huge amount of pressure to sell, sell, sell. Servicing the merchant is discouraged by the management, especially the DM’s and VP’s of sales. The company is competing with Wells Fargo for churn and burn, hammering and setting unbelievable quotas. RM’s are required to be “employees” so the managers can have expectations of you and your time that would otherwise be illegal. Requirements to set a certain number of appts weekly (only first time appts count!), enter appts (FTAS) into a database, divulge your pipeline monthly, write business plans like a kindergartener while in direct competition with your Territory manager who will then beat you to your appts!! In the beginning the training you receive is sales 101 not the important things you need to succeed. Your TM will promise to go on 20 appts (in reality they may do 2-3), if they have been trained incorrectly you will in turn be giving the wrong information to merchants! One merchant would’ve been charged $16,000 more because neither the DM or TM knew how to price! The woman would’ve lost her job! If this stops one person to look before you leap, Heartland is not what it portrays itself as!! It’s referred to as Heartless for many reasons….

      1. Brad says:

        John, Wendy – sorry you feel this way. I have been a sales rep for Heartland for 12 years and I also have had a bad TM. My first TM took my first 5 accounts and signed them for himself. This may be true about your experiences but don’t judge a TM against Heartland. There are many promises to employ people in this industry – most are the promise of making large amounts of money! I have stayed with Heartland because the company is honest, full disclosure, has the best interests of their customers in mind. Most of the negative posts on this page are from former sales reps that are upset about personal experiences and blame Heartland or they are real customers who have encountered a bad sales rep that mislead them with false information. I hope you can find the correct position for you.

      2. Kellie B says:

        I am sorry to hear about your experience with Heartland. I was lucky enough to have a great TM and DM. I am now a TM myself and take very good care of my RM’s on my team. We are expected to do $6,000 in margin per month and I can get that in a 35-40 hour work week! We are expected to set 5 FTA’s per week which is only 1 appointment per day. How in the world do you think this is asking too much of a sales rep? I don’t care what industry or company you are with…everyone has goals and expectations of their sales force. That’s how a business is successful and promotes growth.
        I tell my DM every day what I am doing and where I am at in my sales just so he knows..not because I am forced to. It’s called communication. I wish you the best in your future sales career, but please keep in mind that all successful companies are going to set goals and expectations of you. That’s not micromanaging…that’s good business/leadership!!
        As far as servicing the merchants, that is my #1 selling point…myself! My merchants know they can call me any time and I or one of my teammates will help them. Don’t forget about our award winning customer service who answers live 24/7/365!! I’ve been with Heartland for 2 years and have over 150 clients and 100% retention!!

      3. Aaron says:

        Alternatively, I am a TM in Nebraska, and have one of the best leaders I have ever known as my boss, or DM. I’ve had a number of sales positions, most of which have led to a training capacity. Each of these positions have had some variation of a goal or “quota” to help in guiding success. I love Heartland, it’s values and for the most part, everyone I have met with the company. It has been my experience to help substantial numbers of business owners, and am anxious to get in front of the next person to see if I can help. I am sympathetic to your plight Wendy, this job is not for the feint at heart. My team embodies the values of Heartland, and we are driven by our model!

  48. Aaron Offutt says:

    A little clarification: The 25$ monthly Service and Regulatory Mandate Fee is an option for Representatives to use when pricing merchants. Of close to 60 merchants in my portfolio, only 4 have an SRM fee, as it made the most sense in putting them in the best possible position, which is the goal. We customize solutions using our very transparent pricing structure, Interchange Plus.

    In addition, the monthly settlement is also an option in pricing, and used in specific circumstances when needed to put a merchant in a position that benefits them the best.

    In summary, we have options available, when needed, for 2 additional line items, based on specific circumstances, but they are NOT used on every merchant. I would love to clarify for anyone, as would anyone at our service center. Please contact them, or a local rep for an explanation! We would love to show you how we do things!

    1. Gary says:

      The $ 25.00 monthly and pci fee was increased to $33.50 a month in 2017 for all merchants. If the rep decides not to charge that fee they have to make up that amount somewhere else in their pricing. All reps are charged this $33.50 monthly fee for boarding a merchant with Heartland. Heartland will price a merchant at $ 0.03/transaction but at least 0.20%/transaction. They added 0.02% to every merchant a few years ago and said it is for monthly discounting instead of daily discounting which is a total lie. Bad credit scores of merchants and shady companies charge daily discount rates. Worked for Heartland as a manager and saw first hand how they don’t care about their reps. Lifetime residuals is a total joke, they will buy out your residuals anytime they choose and a rep can’t stop them. I had a rep who had to sell her residuals back to the company in 3 times in her 12 years with the company. They are completely out to make as much as possible off every merchant. They spend close to 8 million year on the Heartland Diamond Conference. They will always raise the rates of merchants to cover their non-selling work force (admins, recruiters, trainers, programmers and marketing personnel). I have been in the industry for over 10 years, stayed away from Heartland because I felt they always mis-represented the savings for merchants. I finally decided to join them last year and only lasted 3 months because I couldn’t lie to potential new hires anymore. They are an arrogant company that does the same things as most ISO’s by raising merchant rates often.

  49. Rob Eskew says:

    We are extremely frustrated with Heartland Merchant Services. We were sold on the fact they would fight to provide us with the most competitive rates and quality service, with no contract. Repeated visits were made to our facility to sell us on their service. We did business with them for over a year when we got offers for better rates. We told Heartland we would be switching and they sent a manager to our store on two separate visits to see if they can be competitive with the current rates we were getting. This took time away from us doing business in order to help them keep us as customer. They then charged us $20/mo service charges when we were no longer using them. We then called to cancel again and they then charged us $295 termination fee. Per our business process, we NEVER hire companies that have us into a service agreement. This one was for 36/mo which again we would NEVER agree to. Very BAD business. One star…


    I bought a used POS system, Cash Register Express/PC America, owned by Heartland, and so they were the natural choice for processing. I did check with two other processors but thought it would be great to have an integrated credit card processing with my POS, which Heartland does, so I submitted my application, had a very personable Heartland rep, and was pleased with the initial contact. However, almost two months after submitting my application, I was still not “approved”. On numerous occasions through this time period, I was asked to submit photos of my inventory, copy of my paid storefront signage contract, etc… to verify I was going to have a legitimate storefront. No problem with that. But after a delay getting into my store space, (the two month wait) I was anxious to get the credit card processing buttoned up, so that when I did get in, I would be ready to open ASAP. Contacting my rep, again and again, no approval yet. BUT as I began to set up my store, they asked for MORE photos of inventory, even wanted a photo of my “help wanted” sign in the window. I mean, come on people! Seriously? I sent them my Craigslist ad for help. Still no approval. The “Underwriters” were still deciding. I told them, we aren’t a good fit, perhaps I was too small a store. The morning I emailed my rep (she had started avoiding my phone calls) I had to look for another processor, lo and behold, they approved me! But then I couldn’t get a straight answer as to WHEN I would get my equipment! I was literally ready to open my doors at this point, so I opted for other processor, which I had everything in place in ONE day, and all is well now.

  51. jason gold says:

    I purchased a new Liquor POS system from a local merchant. Heartland owns liquor POS. I was lied to by the merchant who told me that I could process EMV and be off of an out dated CC processor within a few weeks of installing the new system. I was lied to by Heartland and the merchant. it is 7 months later and I am processing on an outdated software that has no technical support that can go down at any time. I have contacted heartland many times and have been ignored by Kathryn Hollis, and Jeremy Grunzweig, It closing stay as far away from Heartland as you can.

  52. L. Harper says:

    I know many people here are from the merchant side but as a consumer, I am extremely disappointed in Heartland’s loan servicing payment system. They’ve recently acquired CampusConnections, the lender of my student loan, and now charge a fee (up to $12), for every payment. Its unreasonable and unfair that I have to pay a fee for being proactive in paying my student loan, especially considering I am paying directly from my bank account. In the age of technology, I should not have to buy a special order of checks and envelopes/stamps to mail, when I’ve been faithfully paying my student loans online since 2012 without any issues. I understand that they want to maximize profits but it shouldn’t be off the backs of students who are just trying to be responsible. This banking ‘convenience’ fee is waived for people that sign up for the autopay function but as my loan does not yet have a due date (I’m still a student so the loan is in deferment), I’m not eligible. Students that are just trying to plan for the future and be proactive in paying their loans should not be penalized. Heartland needs to work with its customers and either give us the option to sign up for recurring payments via autopay or waive the fee for individual monthly payments. “There’s nothing I can do for you’ should not be an option.

    Are you with Heartland Payment Systems? Learn how to resolve this complaint.

  53. Mike Reid says:

    “The company does not appear to charge an annual PCI Compliance fee but, based on merchant reports, it may be disguising the fee under another name and charging it on a monthly basis as a $25 “regulatory fee.”


    Phillip, we don’t ‘disguise anything. We’re a full disclosure transparent company. One of only a handful in the industry. We don’t sugarcoat or BS – anything. We don’t charge PCI or any other “junk fees” for that matter, so you might wanna correct that.

    The $25 month service fee is actually that — for service. We make no apologies for it. It includes 24/7/365 support with no vmail trees that lead no where fast NOR infamous 15-30 minute wait times this industry is known for to reach a live person. They answer within 3 rings, which is normally under 10 seconds. that has a value. Don’t believe me?

    Try it.

    888.963.3600 — all you gotta do is put in a zip code and watch your timer.

    It also includes the merchant’s monthly statement PLUS the rep’s TIME – when they need a live body for support (again something else MOST processors aren’t interested in providing)) I’ve been in this industry for 21 years.,. Here with HPS for 8 years. I can say beyond a shadow of a doubt that HPS exists as a beacon of light in a sea of scumbags,. Can you find a few “incidentals” to quibble about here or there? Sure you can.. Every rep autonomously manages his/her own portfolio here and some fall short of company ideals, but you’ll never find a company more committed to doing right by merchants and embodying integrity and the highest standards this industry has to offer. That’s from our CEO down to the janitors that clean the budding in our service center- and everyone in between.

    Believe that.

    1. Once a believer says:

      Mike, let’s b not forget that when the economy took a dive and merchants all over America were quite down in sales, What did HPS do? They raised the pricing on MANY merchants that were no longer hitting the volumes they were before everything crashed, some only off by 10%. At a time when merchants needed the most help, HPS hit them where it hurt. In my book that’s not standing by your merchants. Are they better than a lot of companies out there? Yes but they are far from the knights in shining armor employees like to play them off as. I was there longer than you but obviously am no more, note are all most ALL the veterans that helped build the company and the reasons are simple….there are a LOT of companies out there that pay better, have FAR LESS micromanaging, betting pricing and are also transparent, of course HPS won’t let any of their reps know this this but trust me, it’s a fact.

      1. ETL says:

        Once A Believer, In regards to raising rates on merchants who fell short of their projected processing volumes…being that you were in the industry as long as you were, you should know that all pricing is based on volumes. If a merchant’s volume greatly decreases over time, their pricing must be adjusted accordingly to maintain a certain level of profitibility. However, you conveniently leave out the fact that Heartland does not for the most part ever raise pricing on merchants who are consisitently in the balpark to their projected volumes. Working as a client manager, I have seen merchants who have been with HPS for 15+ years and have never once seen a rate increase. This isn’t an isolated occurance I am speaking of, but is the precedent set forth by our CEO. do rate increases happen? Sure, but they are rate and only at a need be basis. As a Client manager, I review competitor’s billing statements all day long, and I assure you that no other processors lay out the exact interchange rates and costs like Heartland does. Nobody does it quite like HPS does, and I am speaking from the experience of someone that has reviewed hundreds of other processor’s statements.

        I’m not a fan of tooting the company horn simply because they employ me, but in this instance it is justified and deserved. I get to see on a daily basis how merchants are lied to and manipulated by other processors to get them to switch. I have never worked for a company as moral as HPS, and it makes me proud to be employed by them. It sounds like you didn’t enjoy your experience as a sales person, and are using that frustration to overexaggerate some of the things you view as negatives. But if you truly worked for HPS as long as you say you did, then you know how HPS tries to do the right thing in almost every situation. How many other processors out there assign a dedicated client manager to their merchants to assist with billing/pricing/customer service concerns? ZERO. HPS continues to be an industry leader in both morality and personal attention to it’s merchants. If I were a business owner there wouldn’t be any question as to who I would trust my processing with. And as an employee of HPS, I can tell you that not many companies out there treat their employees as well as you get treated here. Just my two cents…

        1. Once a believer says:

          ETL, my comments have absolutely nothing to do with “not enjoying my experience as a sales person” with HPS, I actually quite loved it up until they went public and it then became all about the shareholders and no longer about the reps. I can give you a list as long as my arm with names of big producing reps that have left over the past 5-6 years because of finally realizing there’s other processors just as good and even better with better comp plans too. As for pricing, I agree that if a merchants pricing drops GREATLY over time there may need to be adjustments made but there were a LOT of merchant who’s volume did NOT drop greatly and still their pricing was raised, some raised significantly. Also when a lot of these merchants started increasing their sales back to pre-crash days, did HPS put the same effort into bringing their pricing back down as they did with increasing it? Nope. Also, to say that “no other processor lays out the exact interchange rates and cost like Heartland does” is simply and completely not true. The company I’m with lays it out JUST as clearly as HPS does and yes, HPS does have great statements, but MANY companies do. Not to mention I don’t have to charge $20-$25 Compliance/service fee and extra basis points for monthly billing. Now this is where a HPS rep will say they don’t have to charge those things either because you can elect not too and just eat it on your commission, but the fact HPS has those fees to begin with shows they have their share of garbage too. When a merchants asks me about HPS I always say they are for sure one of the better companies out there because they are. However, they are not as good as a lot of employees think they are and the ones that do think the company is the end-all the the processing world have usually only been there a year or two tops.

          1. Hey guys, just want to say that simply reading through your (diplomatic) discussion back and forth has helped confirm my confidence in both Heartland and Card Payment Options… Really have to be able to read inbetween the lines to know who’s telling the truth and who’s simply good at appearing to. We have been with Heartland for a decade now and now that we are migrating away from Aldelo to LaVu we are getting some pressure to go with Vantiv, but thanks to your site I’m now weary enough to not do so without a lawyer’s total approval of their contract… Going to speak with Heartland tomorrow about a rate review as I truly would like to stay if rates are closely enough matched… Again, would like to thank you both for your time and effort in sharing your knowledge and experience~

          2. John says:

            So Once a believer you wrote: “…Not to mention I don’t have to charge $20-$25 Compliance/Service fee and extra basis points for monthly billing”. Well, if you were an RM, that was YOUR discretion, not Heartlands!! Look, sour grapes or not, if you price a merchant through Heartland it IS at your discretion as long as it meets gross margin objectives. Heartland is amongst THE lowest, THE fairest, THE most transparent, and THE most responsible in the industry. Why? Because they show the merchant the fees, even when it is at the RM’s discretion. If an RM is foolish enough to overcharge a merchant he may well lose the merchant. However Heartland delivers on its promises (see Merchant Bill of Rights) and has a a Truth Serum survey that I would challenge any competitor to live up to. The only thing that I can say to you is hold your head high and best of luck with your new employer, but don’t throw HPS under the bus because you had a negative experience. heartland is clearly built to keep and deliver on their promises.

    2. Former Heartland Dude says:

      Really fair and honest when it comes to transparency.

      It was cool being able to get someone on the phone at the service center.

      So on transparency I give Heartland a 9 on a scale of 1-10.

      They don’t charge for pci non-compliance but they don’t actually have a simple SAQ and scan platform for their merchants so my guess is 80% or more of their clients probably don’t complete their PCI requirements. (MAJOR HOLE). The reps are mostly uneducated about it though and think that Heartland handles it for the client.

      Good company to work with. All my clients were happy for the most part. I wouldn’t work there again though. They micromanage the hell out of you and Heartland is very cheap, they invest ZERO in their team.

    3. Joe Ferrara says:

      Welp, I just tried this # provided, they did answer right away, but there were 13 people ahead of me so my wait time was 10+ min. So…..this was not a successful attempt to get a live rep in a few minutes! Quite contraire.

  54. John Hamby says:

    Heartland is our strongest competitor. Most of their customers are unusually loyal. Their overall integrity is superior to any processor in the industry, INCLUDING OUR OWN. Heartland’s pricing is usually very competitive but within “marketplace range”. We now can now compete with them by introducing MSP generated/creative differentials. We win and we lose. It is often hard to get enough differential to persuade merchants to switch but Heartland statements are easy to read and pricing comparisons easy to develop.

    I prefer early termination fees based on lost profits, say .20%+- for projected processing income over remaining term. (That’s $2000 for a one million dollar merchant for one year.) However our processor won’t
    allow us to charge that kind of fee. If I’m bound with a three year contract, so should the merchant be bound!?

    I do suggest that Heartland make their termination fee more prominent (page 1)if not currently so.


  55. Andrea Gustafson says:

    Karen Lamb of Minnesota assisted our non-profit group that raises money for culinary scholarships for Minnesota students at UW Stout or any culinary/hospitality program in Minnesota. She was more than knowledgable, guided us down the right path with Heartland Payment Systems! She was a partner and presented her knowings as if this was her own non-profit organization!

    1. CPO Admin says:

      Per our testimonial policy, please reply to this comment with your business name and location in order to authenticate your testimonial.

  56. Card Guy says:

    It’s not mentioned in the review but HPS also charges 2-5 basis points extra if a merchant wants to have monthly billing instead of daily for which there are no bps added. Some reps build it into the pricing but it is a separate line item on the statement and it’s been there for years now.

    1. Karen says:

      Hi Card Guy – that is not exactly true – I waive that with every client and do not build it into the pricing. Also, if reps chose to add for this it is 1 bps as of March 1st which equals .0001 percent of the transaction. The cost would be $2 for a merchant processing $20K per month.

      1. Card Guy says:

        I understand the rep can waive it Karen, I was with HPS for almost 10 years, but just the fact they have it and want reps to charge it is what I have issue with. Most reps don’t waive it because if they do, they eat it on their end, HPS won’t just say ok no prob. Regardless how they justify it to the sales force, it’s a garbage fee, same thing with the $25 “regulatory” fee. I know you/we were taught to believe otherwise but if you know the industry you should know better. Also the whole we’re a “direct” processor schtick means nothing. If you’ve only worked for HPS in this industry they will have you believing it means a ton but ask ANY rep that left there, it might sound good but it means nothing. I’m with an ISO now and I can compete and beat HPS all day long as can pretty much any of your larger ISO’s. Now don’t get me wrong, HPS isn’t a bad company by any means, they’re generally a good company if you’re a merchant, not so much if you’re a rep which is why almost all the high producing reps from years ago are pretty much all gone.

    2. Dean says:

      Card Guy
      You are correct. Heartland does charge a fee for monthly fees to be taken out. But we fully disclose that as a line item. The merchant can choose to have the fees taken out daily at no additional cost.
      We do not add it later or increase it we transparently disclose it.
      If a relationship manager chooses to “eat” that for the merchant it comes out of the profit margin of the sales rep.
      No shame here, not sure where you were going with this thought of yours ? Heartland is ALWAYS transparent.

      1. Card Guy says:

        Just giving facts Dean, that’s all. Yes a HPS merchant can choose to have daily billing at no cost but we both know 90+% of merchants don’t want daily billing. I never said Heartland isn’t “transparent,” just adding some additional info that was missed in the review that should have been mentioned.

  57. Karen says:

    Hi all – I am a Relationship Manager (RM) in North Carolina. Please note – Heartland has an early termination fee of $295 which is much less than others at $495 and $595 or goodness forbid those companies that charge business owners a “Percentage Loss” termination fee. Also, if I, and I can only speak for myself and my business practices, have grossly misrepresented pricing to a merchant – and I haven’t yet – I can have the termination fee waived – we will however attempt to reprice first and look at any proposals you may have received. The RM’s control the pricing outside of the interchange fees. Heartland is Interchange plus pricing so whatever interchange costs are assessed to us vy V/MC/Discover/AMEX are passed through to you the merchant as we are a direct processor. Heartland does NOT engage in padded interchange or surcharges. Our monthly fee of $25 does NOT include any type of PCI compliance. Our servers are PCI complaint and we bear the cost of compliance. It costs Heartland a minimum of $25 in terms of Human Resources to maintain an account. In some instances though the RM can waive the monthly fee.

    In this business which in NOT regulated it’s all about the details – anyone can beat “pricing” but you must be a CSI detective to ask the really important questions. It’s also all about who you work with and if/how they have done their due diligence with a business owner and their processing needs.

    Hope this helps clarify a few questions that I see on this website.

    1. FHD says:


      Your servers have nothing to do with whether the merchant is PCI compliant or not. Heartland doesn’t provide a PCI SAQ for its merchants. They trash other companies for charging non compliance fees but don’t actually provide a solution.

  58. Dennis says:

    Said they could offer me a better processing deal, but after I signed up it ended up being more expensive than the company I originally had. Then they charged me $295 for both my accounts when I moved on to another company that actually did give me a lower price.

  59. Mojo says:

    Heartland charges a $25 per month Regulatory Fee (that’s $300 per year) and 3 basis points for Monthly funding versus daily.
    Based on a lot of your other reviews which were “dinged” for their Reg Fee (and most were hit hard for just a $50 or $60 fee) I would expect this will greatly impact this review.

    1. John says:

      I just went with heartland and was shown that the $25 PCI fee/month was waived with an annual survey submission. Can’t comment on the other fee as I am going with daily deposits/fee withdrawals.


    2. John says:

      I love the way some folks are hitting Heartland hard on nominal fees-SRM fee and settlement fees, most of which are directly related to cost of doing business, yet are overlooking the litany of egregious fees that so many of my competitors charge. “Strain at a gnat, yet swallow the camel”. Bottom line-basis point or effective rates to a merchant, most always the differential is in Heartland’s favor. And as a competing commenter said earlier, Heartland is the reason why our competitors have had to be more honest. They have blown the lid off their dirty games. Sure, profit is not a dirty word, and Heartland is like others in it for profit. But fairness, transparency and delivering value are all virtues that few can hold over Heartland. Heartland delivers and very few can refute that. And because of that Heartland has great retention.


    I have used Heartland in the past i used it in my business in 7750 okachobee blv W.P.B.
    then the service and rates where ok
    In January i did sign a contract with Heartland (PAT) i was told that there would be no charging fees for terminating the service , also i was promised new credit card machine
    i newer recieved the credit card machine , and right afthet a month or two the RATES START CHANGING, when i called the representative of Haeartland PAT and i asked her how comme my friend who its 3 miles away from me has different rates (in the begining we had same rates) she told me that my friends customers use different credit card ???
    whell i was disapointed and not happy because Heartland was changing the rates and i stoped having theyre service, now they are sending me statements for early termination service, which in my knowledge i did not know that i have signed anything regarding that, oraly i was told that i can terminate the service with heartland anytime without terminating fee, so BE CAREFULL FROM HEARTLAND

    1. tammy says:

      You must not understand interchange fees set by the bank. You can find these on Visa and MC’s website to educate yourself. These are not optional. Like your cost of pizza ingredients, they are the card companies cost.

      I hope this helps. I owned a chain of Mexican food restaurants and we used Heartland for 9 years with no problem and no one could touch their rates. I learned exactly how it worked so I know they are fair.

      Good Luck.


      1. Al Michaud says:


        maybe you had no issues with Heartland rates…but aside from rates they have serious issues with customer service. Like Kenny I also had a problem with them….after my 3 year term , I decided to leave and I was still charged an early termination fee of $295 ? I learned the hard way that Heartland AUTOMATICALLY renews your contract for another 3YEARS. The only way to avaoid this $295 charge is to terminate exactly on the day your 3 years is up. So you cannot cancel on day 364 of year 3 or 1 day after 3 years is up…no matter what you are screwed.

        1. Chad says:

          Al, I sold with HPS for quite a few years and I can tell you that no, you will not be charges the $295 if you leave anytime after the first 3 years. Also, the contract does NOT roll over for another 3 years. I believe technically it’s another 12 months but I NEVER saw that enforced so really it’s month to month. NEVER ONCE did I have a merchant that was hit with a cancellation fee if they left after 3 years, never. So I’m not sure what you’re talking about because that just does not line up with them at all and I was there over 8 years.

          1. Al Michaud says:


            Respectfully speaking… I was charged as I described above. I was with Heartland for almost 5 years…when I tried to cancel Heartland I was told I owed $295 for an early termination fee. I was told my contract was automatically re-newed.? I tried to talk to anyone at Heartland who would listen and was not able to get anywhere. So what I was told by Heartland was that I needed to cancel terminate within 30 days of the end of my 3rd year or something like that .
            So I am not sure who you are with Heartland but what happened to me is true and unfair. Even cell phone companies do not re-new you automatically!
            Al Michaud
            Sweet Meadow farm

      2. Mike says:

        Tammy, it seems you are following the same script as the previous Heartland reps in responding to those who have criticized the company. Kenny plainly said Heartland changed his rates after he signed the contract, and then you recommended he educate himself on the subject of interchange fees, which we all know are two different things entirely. Whatever the problem, Heartland always finds a way to suggest it is the customers’ own fault, or they are ignorant, or they are just liars.

        Also, you are incorrect in stating no one can touch Heartland’s rates. I saved a lot when I switched from Heartland to another company.

        1. Dean DeAngelo says:

          I am a Territory Manager and have been with Heartland for 7 years. The only way Heartland EVER changes our profit is when the volume on the application after 90 days of starting is way less than what was written on the agreement. Interchange rates may vary ever April & October but if your volume is within 25% of what was put in the agreement it will not change during the 3 year term. And even after the 3 year agreement it usually doesn’t change either. I have over 400 clients and I can say without a doubt Heartland has never arbitrarily raised our pricing like other processors do.

  61. California Business Owner says:

    We have had a bad experience similar to many who have posted here. We signed up with Heartland in August 2013 through a friend of a friend. Our main concern was having a long-term contract and cancellation fees in case we didn’t see any savings compared to our current company. When we asked him about it, he flat out said that there are NO TERMS, and we can cancel the contract at any time if we are not satisfied with their service. He repeated it so many times … trust me, there are no terms, you can do month to month. I’m a manager, you’re good with me. He even gave us a copy of the cancellation form, which says NOTHING about the cancellation fee.

    So we signed the contract that apparently had a 3-year term and $295 cancellation fee somewhere. We found out a year later when we wanted to end their services since we were paying more than we were with our old company. Yes, we should’ve read through everything word for word or maybe just hired a lawyer to fully investigate. But it SHOULD BE ILLEGAL for a company representative to verbally tell a customer one thing, and then have them sign a contract that says another. We were tricked. Why would a company have to resort to this level to get customers?

    I originally blamed our sales rep, but it seems this has happened to several others so I can only assume the company trains their sales reps to do this or turns a blind eye because it still earns them sales. Whatever the case, we will never recommend Heartland to any of our associates. Any company that is aware of these “bad reps” and does nothing is just as bad as their reps.

    1. California Business Owner says:

      I would just like to update this post: The CEO replied to an email I sent that described everything our company went through. I also included some of the complaints here. He said he was unaware of this practice and was glad we brought it to his attention. It’s reassuring to know that the leadership at least cares about the company and is responsive to the customers’ needs. He said we will not be paying the cancellation fee, which we are grateful about not just because of the sum of money, but because of the principle of it all. We’re glad to finally have a good outcome after this horrible experience.

  62. Peter Bright says:

    I own a very succesful small business that I started from scratch.Heartland has been my credit card processor for about ten years. Prior to signing on with them I had two unethical processors over an eight year period. I probably call Heartland about twice a year for service or technical problems. They have never let me down. I am in a service oriented business so I know good service when I run into it. Also, their statements are clear and concise. My experience with Heartland has been A+. I think they are ethical and professional. Just giving credit where credit’s due. Keep up the good work.

    1. Phillip says:

      In order to authenticate your testimonial, please reply to this comment with your business name and location.

    2. Al Michaud says:

      Peter and anyone else that feels Heartland is a stand up company.
      Ask Heartland their policy on the following, because this is what cost me $295 for switching from them after 5 years….

      I choose to switch to another merchant after I had been with Heartland for 5 years. I was told my 3 year term automatically renewed and that I was only on my 2nd year of the new 3 year term. So I was early terminating my second 3 year contract…that is crap. That is not a stand up company in my eyes, the early termination should ONLY apply to the first 3 years.
      It seems to me everyone trying to switch will get hit with the early termination fee,,,since they automatically renew you to a 3 year contract???
      I pleaded with them to use common sense and refund me $295…but I got nowhere.


      1. Dean DeAngelo says:

        Heartland is a stand up company for sure. I have been with them for 7 years and have over 400 clients. I am not calling you a liar by any means but I can say without a doubt we do not renew for 3 more years. I have copied and pasted that portion from our terms and conditions that states it renews for 12 additional months. But as with an earlier comment in my 7 years Heartland has never enforced that policy. See below:

        11. Term: Termination
        11.1 This Agreement shall become effective upon acceptance of the !rst Merchant deposit by HPS and shall continue in effect for a term of thirty-six (36) months therefrom (“Term”). Thereafter, the Agreement will automatically renew for additional twelve (12) month periods unless terminated by any party by giving sixty (60) days written notice prior to the end of any Term, except that in case of an Event of Default by Merchant or as required by a Card Scheme, this Agreement may be terminated by HPS immediately and HPS shall give Merchant written notice within ten (10) days thereafter

  63. "Proud Heartland Rep!" says:


    I find it hard to believe that you are a business owner with a previous relationship with Heartland. Given the fact, you have such a vested interest in this thread and have posted 3 separate posts against Heartland going back to 2012. It sounds like you are an ISO that signed a Heartland customer and this led to your ridiculous posts. As a matter of fact, your posts were sent January 2012, July 2012, September 2012 and 2 comments in November 2013. There is not one business owner in my portfoilio that would take time away from building their business to constantly follow a random credit card review site. Not only that, a $295 early termination fee is the lowest I’ve ever seen in my tenure. That’s a pretty easy out in comparison to other contracts that I’ve seen with early termination clauses ranging from $500 to $6,000. For all I know, you are throwing your invalid comments to solicite more information from Heartland Representatives that are in the trenches everyday helping business owners.

    If you are truly a former client, I welcome you to contact our support number and leave a confidential message for me personally. I will contact you personally to find resolution to your dissatisfaction.

    1. Mike says:

      Mr. Proud Heartland Rep doesn’t think I’m an actual business owner because an actual business owner wouldn’t take the time to post against Heartland as much as I have. I guess the company depends on business owners being too busy to fuss about being deceived and tricked into signing a contract they wouldn’t have signed otherwise, but that strategy obviously doesn’t work on all of us. Mr. Proud Heartland Rep has suggested I contact Heartland’s support number and leave a confidential message for him personally, so he can find a resolution to my dissatisfaction. How can I leave a personal message for him if I don’t know his name? If he is so proud, why doesn’t he give us his name? This anonymity of Heartland reps seems to be the norm. Could there be a reason why the Heartland reps and former reps don’t want to reveal their actual names and phone numbers? The business owners who write glowing reports on Heartland also seem to be publicity shy.

      Why doesn’t someone from the corporate office of Heartland rise to defend the company and offer to make things right, instead of depending on reps who most probably don’t have the authority to spend corporate funds? One thing we business owners for sure don’t have time for is a runaround.

      Thank you, Mr. Phillip Parker, for providing this forum.

  64. "Proud Heartland Rep!" says:

    I have been with Heartland for close to two years. Before my career with this company, I was an independent business owner for 5 1/2 years. I have read each of the 44 comments in response to Heartland Payment Systems. As a former Business owner, I took credit cards, I signed contracts and I knew I had to pay a fee for the service. However, not until about 6 months in to my career with Heartland, did I have a clue what “Durbin,” Interchange, ISO, PCI and in no way did I know what “basis points” were. The Small Business Owner that posted in 2011 knew way more than I did when I had my business. My point is, out of these 44 complaints and positive reviews, I have to ask myself how many of these posts are truly reliable in the terms of Due Diligence? However, I encourage every business owner to keep open communication with their Rep or Customer Support Team. Ask to see the entire contract prior to signing and demand to see the final contract that follows in the mail. Ask about the contract legnth and terms and if there are early termination fees. If the Rep tells you there are no early term fees, demand a written document guaranteeing that. For any Business Owner that has been disappointed with their relationship with Heartland, I wish you great prosperity in the future.

    If you are a business owner looking to switch to – or from ANY processor, ask for references in your local area that has processed for more than a year with the local rep. Find out what other business like and don’t like.

    To Your Prosperity,
    Texas Territory Manager
    Heartland Payment Systems

    1. Mike says:

      You’re preaching to the choir, Tex. The people complaining here about Heartland have already learned these lessons. Apparently you cannot deny Heartland doesn’t provide the full contract terms unless the customer demands them, and even then apparently the company’s practice is to withhold, delay, or obfuscate important information.

      When a person is starting up a business or taking over an existing business there are many things to learn and do, and there’s not always enough time to be as diligent as you recommend. People in this situation are easy prey for unethical service providers. Please let us know when Heartland decides to furnish its customers all contract terms and conditions at or before the time of signing, without the customers having to be smart enough to demand them first.

      1. Industry guy says:

        Mike, as someone that is no longer working for HPS but was with them almost 10 years, I can tell you ALL the terms and conditions are supplied to the merchant. It’s absolutely true that a rep can at times forget to give them to the merchant but when a merchant comes on board, they are mailed a copy of their contract AND the terms and conditions. To say “when a person is starting up a business or taking over a business there are many things to do and ot always enough time to be as diligent asTex recommends,” is garbage. If you are signing something it’s YOUR responsibility to READ IT! If you don’t read it and you just sign away, you have no one to blame but yourself. Honestly 90% of complaints I read online about not just Heartland but much companies come from merchants not reading their contracts. On the Heartland contracts there a section the merchant signs acknowledging they received and read the terms and conditions so if they are signing that and not queastioning anything, again it’s 100% their own fault.

        1. Mike says:

          Okay, Guy, you’ve pretty much confirmed what Tex said; Heartland’s unhappy customers are responsible for their own mistakes in signing contracts without fully reading them and demanding to receive the missing details. Further, you think Heartland is fully justified in taking advantage of such people by sneakily leaving out some stuff that people should be smart enough to ask about before they sign. We were dumb. We get that.

          I wonder where Heartland finds people like you. You know the part about the $295 fee for quitting Heartland, as well as other important terms, are not mentioned in the contract that is handed to merchants to sign. This information is in a separate document incorporated by reference only, which document you’ve stated is sent to the clients after they “come on board.” (Heartland didn’t send this document to me, but it wouldn’t have mattered anyway after I signed the contract.) If this practice is not intended by Heartland to deceive and take advantage of naive and trusting clients, then please explain why everything isn’t included in the main part of the contract folks get to see before signing. I doubt you can provide any plausible explanation.

          1. Industry Guy says:

            Not here to argue with you Mike, just telling it like it is. Just because it might not fit with your subjective experience doesn’t mean what I’m saying is wrong. So to your question YES, merchants are responsible for their own mistakes in signing contracts without fully reading them and demanding to receive the missing details. Who the heck else would be responsible??? Even if a rep said don’t worry about it I’ll get it to you later, it would still be crazy for anyone to sign a contract that way. You then asked me if I “think Heartland is fully justified in taking advantage of such people by sneakily leaving out some stuff that people should be smart enough to ask about before they sign.” How does HPS take advantage of people by “sneakily” leaving something out??

            You are correct about one thing at least, the $295 cancellation fee is not on the contract itself, just as it’s not on most processors contracts which is why almost ALL processors have separate terms and conditions, just like when you buy a car, just like when you get a loan, just like when you get a mortgage etc etc. What other important terms are not on the contract that you you think are board? You said “This information is in a separate document incorporated by reference only, which document you’ve stated is sent to the clients after they “come on board.” Obviously reading comprehension isn’t your strong point so allow me to quote what I actually said. “It’s absolutely true that a rep can at times forget to give them to the merchant but when a merchant comes on board, they are mailed a copy of their contract AND the terms and conditions.” I acknowledged that reps can forget to give the T&C but it’s still sent to the merchant in the mail. Even if Heartland “didn’t send the document to you” it does get sent out and if you were dying to read it a call to the 800# and it would be sent to you in a matter of minutes.

            Lastly you asked ” If this practice is not intended by Heartland to deceive and take advantage of naive and trusting clients, then please explain why everything isn’t included in the main part of the contract folks get to see before signing. I doubt you can provide any plausible explanation.” I’ve said the answer a few times now but I’ll do it again for you. Heartland isn’t here holding the reps hand as the reps gets paperwork signed. It’s the responsibility of the rep to give the merchant the T&C and yes, I have no doubt reps can at times forget to do that. There’s NO incentive for a rep not to give the T&C to a merchant because there’s nothing in there that isn’t industry standard stuff. In all my years of being there i NEVER had a merchant that had an issue with the T&E to the point they wouldn’t sign up. Some would question the 3 year contract, again which is standard for a LOT of companies, but if it was that huge of an issue we’d let them do it year to year, pretty scary right? Again, I haven’t worked for Heartland for a while now but I still find it hilarious when “merchants” like you, and I use ” ” because I don’t believe you were really a merchant of theirs, have a bad experience and then you pretend like you just know everything about the company and you have it all figured out. Again, your subjective experience doesn’t mean you have it all figured out because reading your ill informed comments sure prove that.

      2. Sue Schoenfeld says:

        I can tell you as an employee of Heartland that these terms and conditions are mandatory and are sent to the merchant in the welcome packet with each and every account. No excuses!

        A $295.00 cancellation fee is typically BASELINE for the merchant processing industry. What we find is that a merchant will hop around from provider to provider without any commitment while we guarantee your rate for 3 years. It simply discourages them to do so, because in more cases than not, these merchants come back to us.

        If you discuss your intent to not be involved in a contract UP FRONT your salesperson CAN sign you without one in most cases.

        I am proud to work for Heartland and all it stands for. We continue to be the leader in our industry and continue to do the right thing when no one is looking. It’s simply impossible to please everyone all of the time.

  65. Al Michaud says:

    Do not use this merchant company…
    I had been with Heartland for 5+ years …I was leaving as a somewhat satisfied customer, but for some reason ( the fine print actually ) my family farm was charged $295.00 for early termination of an account???? 5+ years and still they think that is fair. I was told it was because a year and a half before , my rates were updated and I signed it… which extends my agreement for 3 more years! I did not go to them asking them to change my rates…and I did not complain about my old rates so it should never have been extended. I will never go back to them and I will tell as many as I can that they screwed my family farm out of $295.00

  66. Ana Molinari says:

    DON’T EVER USE THIS COMPANY! They are frauds!
    Peter Galleta sold me the system telling me how bad my previous company was. What a liar. He told me I wouldn’t pay a fee for the machine, I would not pay monthly payment, I would pay Credit, Debit, the same price and nothing was true. They charged me whatever they wanted for monthly payments; for credit and debit they charged me for everything. I’ve been in business for 40 years and I’ve never been lied to so blatantly. I called the company at least 24 times and they refused to call me back or do anything about my payments. Ridiulous service. It costed me more than my previous company. Terrible service.

    1. Edward Burris says:

      Al, I’m a Relationship Manager for Heartlands Northeast Division. Please send me your notes and where Heartland charged you $295 for cancellation. Also send me a copy of your contract and cancellation notice.
      I will try to get this fixed for you.
      [email protected]
      I’ve never had an issue like this and wouldn’t want this to happen to me. If you want this corrected, send me your documentation, so I can go to bat for you.

      Edward Burris

  67. R Beyer says:

    Although I am now pleased with Heartland Payment’s services, getting set up was a huge hassle. You’d think for being such a large company they would know how to set up a simple system. They failed to set up the auto settlement for me, although they told me they had, and for two days my payments did not settle causing some overdraft charges for my business.

    In addition, I would NEVER recommend using the check system, Cross Check, which Heartland recommends as their preferred check processing company. Cross Check was never able to set up my system successfully, with no real reason provided, except that it had something to do with Comcast’s phone lines. ( I did have a check settlement system prior to trying to use Cross Check that worked just fine so I didn’t think this was an adequate excuse and Cross Check never tried to really figure out what was going on.) As a result I had to return their useless check reader and Cross Check charged me return shipping fees! I complained about that because it was a result of their system not working and they still made me pay the return shipping fees.

    For these reasons I give Heartland Systems a C+ and CrossCheck an F.

  68. Sharon says:

    We are a Heartland customer and I have found their customer service to be excellent. I was having problems accessing the program and it didn’t take very long for the representative to figure out that I was using Internet Explorer 10 and that it wasn’t compatible with Heartland’s program. I removed it and was back in business. I have had other companies say they can save me money, but in the past every time I have changed, the bill remains the same. So far they have been very upfront with the charges and I have no complaints. We have been with them for 2 1/2 years. Also…the representative made it very clear that we were signing a 3 year contract and that there would be a few to cancel early.

  69. Jay says:

    Lost $295 after cancelling for better rates with another processing company. The Heartland sales rep told me there was no cancellation fee/penalty. The fee/penalty is not on any document you sign. They give you a book entitled “Merchant processing Agreement” filled with definitions and terms and explanations. In the middle of this 17 page document is hidden the $295 penalty. They have you sign a document stating you have received and read all this. So because I believed Heartland’s representative, only read the pages of contracts I signed and didn’t read all the other legal mumbo-jumbo after 2 years and 3 months of taking my money they stiff me for another $295.
    I have used 4 different merchant services companies over the past 8-9 years and I have been solicited by numerous others. I always ask what is the penalty for cancelling. I tell those with a penalty, I’m not interested. If you provide a good service you don’t need to threaten customers with penalties to make them stay!!!

  70. Evlyn says:

    I have had my business for 3 years,and Heartland has processed my credit cards since i opened.We were offered a loan by this company with a letter sympathizing in this economy we understand bull.After filling the requirements we were told that there was a few businesses excluded from getting a lone,Strip clubs,Adult book stores Adult movie theater and consignment stores,are you joking you put me in a category with adult entertainment! I sell new and used furnishings! and have owned a business for three years!I am not going out of business,Not that impressed,and at the end of the month i will be sure to have another company processing my credit cards,Heartland has taken enough out of our account,and the service is good only when they want you to buy or add other services to it.Sorry no more!.

    1. Ex- Heartland Rep says:

      I’m not in the industry any longer b/c I had a new oportunity come up with my family business, but I can truthfully say Heartland is a standup company. They advovate for merchants and really try to put them first. It’s funny how every single third party independant company rates Heartland as one of the most, if not the most, ethical and transparent company in such a highly unregulated industry and then the handful of upset merchants are the ones to post bad reviews. A few nice comments start off this review and then all the ticked off people come out of the woodwork. The thing is, out of 250,000 merchants the 249,000 happy ones aren’t looking online to make a point but the few ticked off ones certainly are and thats what these online forums really are. They are a breeding ground for upset merchants (and former disgruntled ex-employees) to make a stand and voice their opinions because right before they call their local nighlty news. Come on, seriously?

      I don’t have anything against online reviews/blogs/forums but lets get real, they are often a breeding ground of negativity. Heartland is a good company.

  71. Kathy says:

    My experience with Heartland was amongst the worst customer service experiences of my life. At each turn I experienced misleading information, misinformation and out and out lies that costs me thousands over the course of my contract. From rate hikes to hidden fees to just plain bad service, I would NEVER recommend this service to anyone. I don’t mind paying for quality, but this was awful. To give you an example, I was forced to wait until the conclusion of my contract to get out or face a $295 fee. My contract was up on Jan. 5 and the CSR told me I had to fax in an account closing (despite the contract being over) and if it got in 1 minute before midnight, I would still be charged the early termination fee. So i waited and sent it at 1 am 1/5/2013. However, on 1/4/2013 I had used the service, since my contract was not up until 1/5. Well, guess what? That “triggered” the monthly service fee. Even though the CSR had told me any fee would be retroactively refunded, this is not the case. And so, of course, I am on the hook for $65 according to them.

    It is duplicitous and underhanded and clearly misleading tactics like this that make Heartland a bad company to work with. I can survive the $65. That is not it. It is the fact that they will stoop to this. This is just the last in a long line of horrendous practices. Don’t do it. Find another processor.

  72. Whenever I am approached for processing I hand the sales man a copy of my most recent statement and say “how much would I have paid for the same service through you?”. I don’t want to discuss fees and other add ons, just what is my bottom line? What is the total? No one had ever done it but Mark (supposedly) did and the # came back much lower then what i was paying so I switched. I asked Mark what I needed to do to cancel my existing service. He told me not to worry, they would handle everything. This is not my first rodeo but for some reason I didn’t question this which came back to haunt me to the tune of about $900. Turns out Heartland’s idea of canceling the service does not include calling to find out the proper procedure (in my case the merchant ONLY could cancel the service) they just stuck a letter in the mail – not certified (and it was never received so I am giving them the benefit of the doubt on that). When I realized my old company was still charging me I called Mark and he said he would handle it. By the time I handled it myself a few months later, I was out $900+. Anyway, as expected I am back to paying the same through them as I had through my last processor and (as expected) when I call Mark he gives the same old tired “fees and blah, blah, blah” crap I have gotten from every processor for the last 15 years.

  73. Dave Law says:

    Heartland has offered more service than any other processer I have worked with in 20 years As a restaurant owner in Utah. The have reduced my fees as my number of restaurants has grown and have never passed a rate increase or charged any random fees or PCI fees like Wells Fargo would regularly charge. I use them for payroll and my gift card/loyaltty program. I had a terminal go down on friday at 3:00 pm and 1 call to our relationship manager we had a terminal 40 minutes later. I have been educated about card processing and now when approached by other processors I have no intrest in hearing Mr Save you money and his empty promises and lack of knowledge. I would strongly recommend Heartland to any business owner.
    Dave Law

    1. Phillip Parker says:

      Hi Dave,

      Please reply to this comment with your business name and location to verify this testimonial.

      1. Steve Austin says:


        It is interesting that you have made a request for a business name and location to verify this testimonial, however, have not for other “reviews”. How many others have a business name/location?


        Steve Austin

        1. Hi Steve, see this post if to understand why this is done: Why We Verify Testimonials

  74. Right Way Right Now says:

    As a business owner it is difficult to stay up to date and in the know of the processing industry. Just like your plumbing you trust a plumber. You call an electrician to have light! Credit card processing has become a broken industry and mostly because you have a business to run and no extra time to supervise outsourced services too. Fact is, processing is a need and you pay for the service. From years of experience working in processing I will tell you some basics that will save you time and money…
    1. Local sales rep so you can hold them accountable-W2 employee only
    2. Easy to read statement-ask to see sample
    3. Daily deposits without daily discounts-24 hour
    4. Interchange plus pricing- go to visa/mc website and print interchange cost to compare
    5. Demand NO surcharges, batch header fees, monthly service fees, compliance fees-NO hidden fees
    6. Do not LEASE equipment-No but HELL NO!
    7. Nothing is for FREE-red flag if offer Free anything
    8. Call service center prior to doing business to see call time and level of service
    9. Don’t be afraid of a commitment term in exchange for a price guarantee!
    10. Never service your own equipment-request a local service manager 24/7!

    Get the most out of what you are paying for. Ensure quality within your business and find a true professional within the processing industry you can trust and hold accountable.

    1. The truth says:

      I like the list of 10 things a merchant should look out for. Heartland used to abide by those things, not so much anymore. W2 rep means nothing these days. There’s just as many bad ws reapa as there are 1099. Lots of processors are doing next day funds now but the issue with heartland is if you want to be billed monthly, like most businesses, they charge you an extra 2-5 basis points which is total garbage. No business of any side wants daily billing! Heartland also charges a $25 monthly “service” fee, and a monthly regulatory fee which is often marked up. Their service center can be decent assuming you get the right person. As for heartlands price guarantee, kind of laughable. Do the research and you will see they raised their profit on MANY merchants that were just a little off of the projected volume on their contract. When the economy took a dump and a lot of businesses sales started to decrease, instead of heartland taking this into consideration, they raised hundreds of merchants fees and if you don’t believe this once again, do the research. As for their local service manager, that program is all but dead. It use to be a great program but they laid off over 70% of their service managers across the US.

  75. Another Small Business Owner says:

    I, too, was shopping around for better rates to also discover the hidden 3 year contract. I say hidden because I asked my rep if there was one – she said there was not and also lied when I asked then if there was a termination fee. The contract you sign says absolutely nothing about this – it is in a booklet, inside a packet given to you after you have signed.

    That said, if $295 is what it takes to get away from ridiculous monthly rates and unethical business practices, then it’s money well spent.

  76. John says:

    September 07, 2012

    I am in the process of terminating my contract and was notified by a Heartland Rep that there was an early termination fee. When I signed the document the rep did not mention nor did I see that there was this fee. I will be reporting this to the Attorney General in my state. I will also tell all my business associates about this practice. Its not the 295.00 fee its principal. Heartland may have mave sleazed this fee from me but they are going loose much more money from loss of potential business

  77. Jack Reiter says:

    I have been using heartland for a wile nowwhen i first signed with them i told my sales rep Bradley Kline that im not shure that i will be keeping the service for a long time. I was in the process of purchacing a pos system which alowes me to process over the internet but at the time the fees were too high. In november i called and talked to Bradley about that i got a better rate on my cc processing through another company and he said thats fine you can end your contract at any time. I am now led to belive that i have $245.00 in charges i called customer service NO HELP!!! She said that there company signed me to a 3 yr contract, i didnt sign no contract to that affect. I asked for a copy you cant give me one for what reason i dont know but i think this is wrong. I plan on talking to some people and finding out whats going on.I dont recomend heartland pmt systems to anyone trying to make a living becuse there crooks.And it seem funny that when i call Bradley Klines home phone he fails to return my calls leeds me to say that somethings wrong with this picture??? They also told me that Bradley no longer works there and that there was a new rep in the area??? I never saw or talked to him!!! So is this how you treat your customers??? I think that you should rethink you stradgy!! when one of my food vendors quit they always interduce me to another person taking there position. If you couldnt tell, im very pissed off right now call me in a few hours and ill still be pissed off.Im not gona stop i know as a person i have rights and im gona use them i have the welcome package and it states nothing about early termanation!!!!

    1. Mike says:

      Jack, the price to quit Heartland is $295. I know because I just was charged that amount last week. Don’t expect any mercy from them or waste your time complaining to them. The contract they give you to sign doesn’t mention the $295; it’s contained in a separate document called “Terms and Conditions,” or something like that. The contract you sign says you agree to the terms, which you don’t get to see. Good luck getting a copy of the terms; they wouldn’t give the terms to me despite several requests. It won’t matter if you do get them anyway; when you quit they just send you a letter saying $295 will be deducted from your bank account per the terms of the contract.

      Is it legal for Heartland to do business this way? Yes, I think it is.

      Is it ethical? No, I don’t think so. I don’t see how they can hold their heads up.

      There are companies providing the same services as Heartland, with better rates, and with no penalty for quitting if you are dissatisfied for any reason. Some of the others may even pay you for switching to their companies, which would help to offset the cost of quitting Heartland. Best wishes.

  78. Jessie M says:

    Heartland, you are wasting your time preaching here with Bill M and others. We do over 3 million per restaurant. We were signed slightly over in the 2nd year we dropped past what we were signed at where the first year we went over that amount. The 2nd year on one location we dropped about 15% and after the next went well over again. During year two, we figured out that during the lower period that they added fees on our account by several basis points and pennies for not meeting our volume that year. Statistically all our locations have in the Past met several millions and the bottom line is that the increase is that heartland put on is not remotely competitive with the market on our size of an account. Even if it was, the false advertising of the “Durbin” savings is insane. I’m with a provider now who provides me with the same pass through regulated and non regulated Durbin Interchange Heartland Reps and Management claim that no one else in the industry is giving. My cost has never been better – and service is 2nd to none. I have had Durbin with both, my costs were increased on other fees when Durbin went into effect at HPS. I have many friends who own businesses…all with different credit card companies. All of them with my businesses included are reaping the Durbin benefits! Sorry Heartland, you are not the only game on the block or in town anymore! The only regrets I have are not finding out where my old sales rep is who taught me this industry and the games you all now play! Shame shame!

    1. Mary says:

      Can you tell me what company you are currently with?

  79. Mike says:

    I’ve been using Heartland since May 2011. When I tried to switch to another processor to save money I was informed of their three-year contract, which I had supposedly signed. I’ve tried to obtain a copy of the three-year contract both from my local rep and from Heartland Customer Service. Both told me they’d furnish a copy but it never came. I’ve also found out Heartland put a password on my terminal which prevents my using it with any other company and the local rep said he can’t give me the password because he’s lost it. Heartland thus has reduced the value of my property (the terminal) without compensation. It will cost me over $200 to replace the terminal if/when I’m ever able to use another company to process payments.

    I told this to one of my customers who works for a bank. He said one of his bank customers is a another local business that tried to switch from Heartland to his bank for credit card processing. This owner of this other business also found out about the three-year contract at that point and he, like me, didn’t have a copy of the contract and was unable to get it from Heartland. He decided it wasn’t worth his time to fight with Heartland, so he gave up the idea of switching to the bank.

    I could save around $500 per year by switching to another company. When I told this to my local Heartland rep he didn’t dispute it. He just bragged about Heartland’s great service and reputation for customer satisfaction.

    1. Heartland Rep says:

      Mike, Heartland does not “lock” their terminals so I’m not sure how yours can be locked. We have NEVER sent a terminal out that’s locked and we do not believe in that practice now of the for many years I have been with the company. The 3 year term in right on the paperwork that is signed and it’s right by where you actually sign it. Merchant love blaming processors for this but that info has to be clearly displayed and it’s not the rep or the companies fault if the merchant chose not to read what they were signing.

      1. Athens says:

        You have got to be kidding me. I have seen these contracts, they could not be more vague. Yes, the three year term is on the contract, however, the terms and conditions which contains their “cancellation fees” is on another portion of the contract which is never really presented to the signatory. They are like a bad cell phone company, 295 dollar cancellation fee but you don’t get a discount on your service and you don’t get the latest cell phone to show off to your friends. All you get is a big fat bill, 1 time per month. The cancellation fee is in small type on the 14th page of a 20 page addendum to the contract, one which is never signed that and where they include terms in conditions that are much more favorable to them. If at any point you fail to meet your expected annual sales, they can basically change your account percentages and costs to whatever they would like. Trust me when I say stay away from them, even if their customer service reps are friendly.

        1. mike says:

          Thank you Athens. Your experience was the same as mine. One other thing I forgot to mention, is when you quit Heartland be sure to notify them by registered mail, return receipt. If you use regular mail they may deny receiving the notice so they can charge you for another month of service, in addition to the cancelation fee. That happened to me, anyway.

    2. Ex Heartland Rep says:

      I can attest to the fact that Heartland doesn’t change the password to the terminal to “lock” you out like some other processors.

      That being said. If your local rep reprogrammed the terminal for you then he must have either intentionally or accidentally changed the factory password. If he did indeed “lose” the password then I would demand that he supply you with a replacement terminal at his cost. By his own admission: “he lost” the password. Therefore he is responsible to restore your equipment to its original accessible state or supply you with a replacement terminal.

      I’ve reprogrammed hundreds of terminals and believe me, passwords don’t change by themselves. Someone had to change it.

      Just my 2 cents.

  80. Barbara says:

    I signed up with Heartland because one of their reps was at a networking meeting, talking about how honest and ethical they were, and how EVERYONE will save money with them. I admit, I should have been watching my statement more closely, but trusted I was getting the best rate. At year’s end, I discovered I paid over $600 more in processing with them over the year than I would have, had I stayed with my previous provider.

    The rep told me I wouldn’t be locked into a contract and that I could cancel any time I wanted, if I was unhappy. When I canceled, because they didn’t perform as promised, he said there was a $295 cancellation fee, and waived it by giving me a choice of either signing a document saying I was closing my business, or another document stating I wasn’t going to take credit cards anymore. That’s pretty honest and ethical, now, isn’t it?

    I ran into that same rep this morning, who claimed that Heartland has “given $9Billion back to its merchants since the Durbin Act was enacted.” Since that just went into effect on October 1, that claim is false. First: They didn’t “give back” anything, they changed their fee structure as mandated; Second: the rates were mandated by Congress, which means it wasn’t voluntary, so it’s not something special they are doing – all processors are required to charge the lower debit card fee; and Third: This would mean that they processed more that $75Billion in debit card payments 18 days. A quick check on Wikipedia says Heartland processes “more than $120Billion per year”, which would include both credit and debit, so there’s no way the number he claimed is anywhere close to reality.

    I don’t believe a word this guy says, and since he speaks for the company, I don’t trust them, either.

    1. Informed says:

      Barbara you are very mis informed. Did you read the article? It clearly says that many processors are NOT passing on the new regulated rates in light of the Durbin Amendment. Heartland is passing on 100% of the new rates. Many processors are not passing on the new rates because it is NOT mandated for the processing company to alter the interchange rate, therefore keeping what is rightfully the merchants (yours). The statement of $9billion passon on is ridiculous. You should visit getyourdurbindollars.com. This will clear the air on durbin and your false information. Now out of all these problems did you once call into the customer service center? Did you look at your contract to see “The Term of This Agreement is 3 Years”? Did you read the Terms and Conditions of your agreement? If not then why did you sign off on the document where you agreed to read the Terms and Conditions of the Agreement? I can’t speak for the rep, but as for your comment.. it’s bashing a company that gave you all the tools and information to understand, but you chose not to utilize these tools. I’d suggest actually calling their customer service.

      1. Barbara says:

        As a representative of Heartland, you are naturally going to give the company line. Everything I said was true. I read the contract, and it did not include the three-year term. The $9 Billion was a direct quote from the representative. When I signed the contract, the representative told me he was my point of contact for anything I needed. When I had issues, I called him, and he passed me on to customer service. I subsequently called customer service several times, and they did not provide the level of service you claim. What you are glossing over completely is the dishonesty of the representative, who has since been rewarded by being promoted to a managerial position.

        “Getyourdurbindollars.com” is Heartland propaganda. Heartland pushed hard for Durbin because it made them look good. In reality, small businesses who process small debit transactions are actually paying more for processing than they did before. It’s only large merchants who are seeing a savings. What’s worse, NONE of the merchants who are now benefiting from the Durbin windfall are passing the savings along to their customers. They get the savings, and the consumer pays higher banking fees. After Durbin, the big companies win big, and consumers get the shaft.

        The real truth about Durbin, and its effect on consumers can be found here: https://web.archive.org/web/20180304163501/http://www.wheresmydebitdiscount.com:80/ (I am not affiliated with that website)

        1. Heartland Rep says:

          Barbara, I’ve been with Heartland 9 years and I’ll speak as honetly as you want and will not say something just because I work for the company. Here’s some corrections you need to understand. Yes the cost of debit cards were lowered with the new legislation that went into effect Oct 1 and that reductions went to ALL processors. Where your confusion is, is that processors are NOT mandated that those reductions have to be passed down to their merchants…fact. Depending on the pricing structure you have from the processor will usually dictate if you’re getting the reductions or not. For example if you have tiered pricing, which Heartland will NOT use, you have a qualified, mid qualified and non qualified rate. The vast majority of merchants with that structure are NOT getting some or all of Durbin because that pricing structure does not allow for individual cards to qualify on their own merit. Instead it lumps all the different card type into 3 buckets which is never a good thing. I will say I have no idea where the rep you spoke to got that $9 billion from because that’s not correct. The actual number to date is $86,450,000. Other processors have said publicly that they will not be passing 100% of the cost reductions down so your assumption that processors HAVE to pass it down is just incorrect. You’re also incorrect in saying ONLY big businesses will benefit from Durbin. The savings has NOTHING to do with how big or small your business is. The determining factor if you’ll benefit is your AVERAGE TICKET and this isn’t a “Heartland” thing, this is no matter who you process with. Basically if your average ticket is at least $13 or higher, you WILL benefit from the reductions. There is no maybe about this, it’s fact. So there you have it. I haven’t given you any “company line” and everything I’ve said can be verified. Please feel free to ask any other questions and I’ll be glad to help if I can.

        2. Ex Heartland Rep says:

          Hi Barbara, It is unfortunate that you had a bad experience with Heartland because of the representative. I sold for Heartland for many years and I can assure you that Heartland had always treated my customers fairly and professionally.

          I’m no longer with Heartland so I don’t need to put forth any company line so I’ll just say it like it is. The Heartland representative that you dealt with was obviously untrained and probably unethical. Yes, even the most ethical companies can hire people who turn out to be unethical. In this case, you should have sent a letter of complaint directly to the corporate headquarters regarding this representative. Heartland will terminate unethical representatives.

          Now I’ll answer the question your probably wanting to ask. Why did I leave Heartland? I found a better position with another company that better fit my personal goals.

          In conclusion: Is Heartland an ethical company? I believe it is. Is Heartland the ONLY ethical company? No, there are many other ethical processors out there – you just need to do your homework.

          1. Michele says:

            Hi Ex Heartland Rep.

            I have been in real estate sales for several years and then in Mortgage Underwriting for the past two years. I am not considering to go back into sales but really did not want to go with a 100% commission sales. I’m needing advice from a previouse Heartland Red. Is there money to be made and are they competitive in their pricing and programs? Is there a better company out their?
            Thank you.

  81. S. Florida restaurant owner says:

    I’m with Christine’s and Eric. I suppose anyone can have a bad exp. but they have been fantastic to me. I finally understand interchange and what my costs are for taking credit cards. They are transparent and fully disclose their profit every month and have simple statrements to read. They also have wonderful online tools to help me see my transactions, statements, ACH’s, etc… Their call center in America is probably the best call center I’ve ever experienced. They pick up the phone immediatly and help! I dont think I’ve ever called another company that picks right up and says how can i help you. Amazing. I hate waiting and then getting transfered once I finally get through.

    I also do payroll and marketing with Heartland. I’ve only had one issue with their payroll buit it was resolved quickly and professionaly. The marketing I’m most excited about. My rep helped me pass out some preloaded promotional marketing cards and I had 7 come back in the fisrt week! One person brought a party of 8 and spent $350. The best part is that they had never been in my restaurant and now they are a new customer! In fact, most of the 7 had never been in! Awesome!

  82. small business owner says:

    CHECK YOUR STATEMENTS! I though they were great also and would have recommended them. When I was set up I was priced at 15 basis points above interchange rates. Without notice (not even on a statement) they raised me to 35 basis points…a 133% increase! This went unotice for some time (shame on me) as it is tucked in the middle of the statement. When I inquired with my rep as to why my monthly average discount was up he suggested it was because we began accepting Amex. As the notice in the earlier post indicates, reps are all notified of rate increases. Since discovering the pricing change and contacting my rep, I have had nothing but stories and excuses and he never follows up. I have had to continually contact him to try to get a resolution. After arguing with them for over 2 months they are willing to price me at 25 basis point even though their price sheet shows I should be at 17 basis points. They’ve overcharged me thousands of dollars and will not reimburse me for the overcharges.
    Heartland’s 3 year contract does not say they won’t raise rates, it says that if you change processors before the 3 year term is up, you have to pay a termination fee.
    There are plenty of other companies that offer cost plus pricing, and needless to say I won’t be using Heartland any longer. I’m finding much lower rates than what Heartland offers, I’m getting quotes at 6-10 basis pts with rates guarantees and no termination fees.
    Heartland’s customer service has always been good and having a local contact has value, but not that much value.

    1. Bill M. says:

      We had several restaurants with Heartland and we naturally had my wife run her clothing business run through them as well. Her business runs about 150,000 per year as opposed to our millions per location that we run. That said, they raised her rates from what she was signed at by not only doubling her fees but also adding a $79.00 monthly service and regulatory mandate fee. Her effective cost tripled and was over 4.50%! Our representative had left the company before this happened so it would be easy to pass blame but they claim it was due to not performing enough volume? Really, in a declining economy, when she is put with our 17 million dollars of business and after the proposed Durbin savings that you have given, you add $10.00 on to each of my businesses as well per month another $120 per year, a hefty junk fee, similar to a PCI fee if you ask me, didn’t your Merchant Bill of Rights claim to preach against this. My sales rep was so great at preaching for you and against these bad practices, I can see why she would have left your company. I have taken all of businesses, all 22 million dollars and taken it to a processor who does not charge “JUNK” fees and will value a relationship a little better and not FALSIFY “DURBIN” savings like you have done on my statements recently. My accountant just went through the last 12 months of statements to analyze the statements of savings to see if what you are claiming is Durbin is indeed accurate and you are GROSSLY inflating your numbers HPS on all of our accounts!!! Do your stockholders and does the media know how you arrive at the “Durbin Dollar” numbers you are arriving at? I was just informed by your customer service when asked that this is a “guesstimate” based on the industry we are in? I guess you didn’t factor in our rate increases.

      1. Heartland Rep says:

        Bill you are not correct about Durbin being false. It’s a VERY easy number to figure and it can’t be inflated. If you’re a restaurant just look at your statement with Heartland and look for regulated debit. That rate is .05% + $.21 a trans. The rate before Durbin went in effect for restaurants on debit cards was 1.19% and $.10 a trans for Visa and MC no matter who the processor was as this is true cost. This applies to debit cards that were issued from banks with more than $10billion is assets only (regulated debit). So there’s NO WAY your accountant could have accurately figured these numbers out for the past year seeing as how this just went into effect Oct 1st and there’s no way he would have known what cards were the regulated cards and what weren’t. Now it would have been easy for you to figure it out because it shows you on your statement each month how much you saved for that month because your savings it automatically calculated and again, it’s NOT inflated as you can EASILY do the math yourself to see that.

    2. Heartland Rep says:

      Allow me to help clear up what probably happened. Heartland will NOT just randomly increase someones pricing for no reason and if an increase has to happen you WILL be notified. You yourself said you hadn’t been paying attention to the statements so it’s very possible you missed the notice. The only time Heartland will raise their profit is if the account isn’t producing the volume they either said they were going to do or they suddenly had a large decrease in volume. Think of it this way, if you tell US Foods you’re going to be buying 200lbs of beef so they sell you beef at that price and then realize you’re only buying 100 lbs, they aren’t going to be making any money.

  83. We have been with Heartland since 2009 and I love the company! We have never had any problems with customer service or our processing credit cards, our system has NEVER gone down on us. I have had to call customer service 2 times in that time and once was changing the header script, and the other was the scanner never settled itself. Both calls were handled promptly and professionally.
    I would recommend them to anyone, our company has saved several thousands of dollars compared to our previous processing company.

    1. Heartland Rep says:

      Go on with your bad self!! ; )

  84. Eric says:

    I have been with Heartland for 7 years and would not think of changing. I am never “happy” with my credit card bill, but I know I am paying a competitive rate and the few times I had to call the service center I talked to a human being from the United States. I did not wait on hold for eternity and my issue was corrected quickly ( it was not a big issue). Also, no PCI fees or fees that are not understandable.

  85. Unknown says:

    You need proof Heartland does not raise rates. If your business does not do well Heartland WILL INCREASE YOUR RATES!!!


    Historically, we have handled our re-pricing efforts as projects, instead of as a part of our ongoing business practices. Effective immediately, we will be reviewing and re-pricing accounts on a more regular basis. As announced on the October News & Views Call, our next pricing adjustment – for under-performing merchants – will be effective 12/1/10.

    Our pricing criteria is as follows:
    • Pricing initiatives will include merchants across our portfolio, who are processing at less than 90% of their expected volume/average ticket (as indicated on their initial merchant processing agreement).
    • Merchants will be re-priced to the average midpoint of each Gross Margin range for their actual processing activity.
    • Pricing changes will include: moving merchants under $50K in actual volume to the SMP model; adding or adjusting the merchant’s fees (i.e., transaction fee, basis points, monthly service fee, etc.); etc.
    • Merchants will receive notification of this pricing increase via a message on their processing statement.
    RM notifications:
    • Active RMs will receive their account portfolio listing via email. The email will provide the pricing specifics for each impacted account, and will provide instructions on how to request exceptions. Please note: Emails for the 12/1/10 initiative will be sent out later this week.
    • Terminated RM accounts will be forwarded to the Regional Director for review.
    • Pricing changes will be performed systematically, and notes will be added to all re-priced accounts.
    We recognize that this may not be a popular step, but it is a necessary one in order to continue to ensure that our merchants are priced fairly for their business volumes.

    Thank you –

    Executive Director — Service Quality

    1. HPS Rep says:

      And? Is Heartland not allowed to make a profit? If you have a special price from your vendor based on how much of that product you’re buying and then the amount you buy drops a lot, why should the vendor take the loss because YOU aren’t buying as much as you were before??? The pricing this this industry is VERY slim so if your pricing is based on numbers you said you are doing and those numbers drop, it’s unfortunate but how or why should a company give you the same pricing when you’re not doing those numbers anymore??

  86. KatWG says:

    Are you kidding me? Heartland does not raise any rates. Heartland is the only company that has full disclosure and full transparency of their rates and guarantee. Heartland is also the only company that passes through the wholesale rates for all the card brands. Nice try, find some proof and reply. Rates never rise because we give the 3 year rate guarantee that our fee will never be raised or hidden. All other processors have a Surcharge and Summary section to hide the extra fees they charge to increase their profit that has nothing to do with the card brands. Just the greed of unscrupulous processor cheating merchant out of their profits.

  87. Jim says:

    Do not deal with this company. They are not ethical. Their rep made many promises–none kept. He took two terminals and a case of thermal paper to sell for me–never received a cent. I had to pay $104 to get rid of this company. RUN if Heartland contacts you. They are crooks.

    1. KatWG says:

      This sounds like a competitor leaving this comment. Post the name of your company. If you called our customer service, which you did not mention you would have had your complaint resolved.

    2. HPS Rep says:

      That makes total sense Jim, you deal with one rep that admittedly doesn’t sound like he did the right thing so the WHOLE company must be bad? If I have one bad meal at a restaurant that means all the food is bad. I get pulled over and have a jerk of a cop then that means all cops are bad? Please use adult reasoning. Even the best of companies can have some bad apples.

  88. Small Business Owner says:

    BUYER BEWARE!!! Heartland Merchant services is not a reputable company. Their customer service reps (untrained or willingly lie to your face) will lie and tell you anything to get an account. I wasn’t able to use my debit card for 3 days after the initial setup because the rep didn’t know what she was doing. After the first month, I realized the wrong (higher) rates were setup on my account and it took a weekly call for 6 weeks before the rate was changed!!! Are these guys that busy or just plain clueless or scam artists?

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