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©2015 Heartland Payment Systems

Card Processing Solutions


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Heartland serves businesses of all sizes, vested in helping you achieve your goals.

• We offer payment and payroll processing as well as enterprise-quality solutions in security, technology and marketing

• Honesty, fairness and transparency are our core values

• We focus on customer relationships and advocacy

Redefine the Way You Do Business

©2015 Heartland Payment Systems©2015 Heartland Payment Systems

We will help businesses prosper by providing them with effective solutions in a fair, honest and transparent manner.- Bob Carr, Chairman and CEO

• Many business solutions, one source • Heartland’s innovative technology provides secure and reliable

solutions to help entrepreneurs like you succeed • Award-winning 24/7 U.S.-based customer service

Why Heartland?

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Heartland created the Merchant Bill of Rights to promote fair credit, debit and prepaid card processing practices on behalf of owners of small- to mid-sized businesses.

We aim to enable business owners who don't have the resources of large purchasing organizations to effectively manage their costs, determine which processor best meets their needs and realize significant savings.

Merchant Bill of Rights


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We partner with companies in a range of industries of all sizes and are recommended by esteemed associations across the U.S.

Proud of the Company We Keep

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Merchants buy direct from the processor and pay the wholesale interchange rates that are right for their business. This removes the middleman and passes the savings on to you. Heartland’s fees are fair, honest and fully disclosed. No surprises.

Eliminate the Middleman

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$97.50

$97.50


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Heartland offers full disclosure into how much you are paying us and how much goes to the card brands. This protects you from arbitrary price increases and ensures that you receive the full benefit of cost reductions.

Interchange Plus Pricing—Know Your True Cost

Interchange Plus

Merchant Pays: • Card Issuer

(Interchange Fee) • Dues/Assessments

(Visa/MasterCard) • Transaction Fees

(Visa/MasterCard) • Heartland

(Processing)

$97.50


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It’s important to be able to identify junk fees in your statement. While not illegal, they may not provide valued services. Some junk fees include:

• Quarterly Fees • Security Fees • Membership Fees • Access Fees • Administrative Fees • Batch Fees • Capture Fees • Global ATL Fees • Compliance and

Non-Compliance Fees …and many more

Junk Fees

Merchant Statement

Transaction Summary Batch Details

Membership FeesProcessing Fees

Junk Fees


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Optimize cash flow with quick access to funds. Weekend card sales are deposited on Monday, and card sales batched before 8 p.m. EDT on weekdays go to the bank the next morning.

Faster Cash Deposits

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OptBlue makes it more convenient for merchants to accept American Express cards—expanding the AMEX network among small businesses.

• Speed of pay consistent with other card brands

• Simplified reconciliation for all card transactions

• Dedicated Heartland customer service contact

AMEX OptBlue


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EMV is a standard for payment cards and acceptance devices. Used throughout the world successfully for years, this technology combats fraud.

In October 2015, liability will shift to the party using the least secure technology. If you do not have an EMV-ready terminal, you could be accountable.

EMV and the Liability Shift


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Heartland Secure: Three Powerful Technologies

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SECUREEMV, end-to-end encryption and tokenization work together to provide merchants with the highest level of data protection.

EMV chip card technology improves security by providing

card authentication

End-to-end encryption removes card data from the merchant’s network, eliminating data from

being monetized

Tokenization replaces card data with a “token” making it

unusable to cybercriminals


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We demonstrate our commitment to card data security by offering an unprecedented breach warranty to all business owners who are Heartland SecureTM and employing Heartland Secure-certified devices—for as long as they're processing with us, at no additional cost.

Heartland Secure: Breach Warranty


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Don’t limit yourself to accepting only certain types of payment. Heartland is flexible on its payment acceptance methods.

• Apple Pay • PayPal • Terminal POS • Mobile Card Reader • Recurring payments

Ways of Acceptance


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Start accepting credit cards online today with SecureSubmit—Heartland’s safe, transparent solution designed to increase shopper conversions, encourage repeat purchases and minimize the total cost of payment acceptance.

If you need a turn-key website for your business, Heartland provides tools to add and manage everything from the domain name and online shopping cart to search engine support and QuickBooks integration.

e-Commerce Solutions


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Turn any PC into a secure payment processing terminal.

• Allows a merchant to connect an EMV terminal seamlessly to a PC or laptop

• Provides an inexpensive way to accept payments and can be used to process card-present and card-not-present transactions

Virtual Terminal

or or

EMV Terminal

Connect a terminal to your PC and start accepting payments quickly and...

securely!


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Never miss a batch again. InfoCentral is a one-stop shop for all reporting needs. This online tool provides:

• Statements • Batch information/transactional

data • Funds detail • Allocation (interchange and fees) • Mobile alerts • Text notifications • Reporting on all devices

…at no additional cost, all in real time.

InfoCentral


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Many Business Solutions, One Source

Payment ProcessingPayroll and HR Lending Heartland Commerce

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