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Heartland (formerly Heartland Payment Systems)

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Heartland (Formerly Heartland Payment Systems) Review

Heartland offers comprehensive merchant services that comes loaded with features to suit many types of businesses.

    Frank Kehl

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Frank Kehl

Frank Kehl

Expert Analyst & Reviewer at Merchant Maverick
Frank Kehl has been researching and analyzing merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law.
Frank Kehl
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    Michael reza

    Organization Name: Bravo restaurant group llc

    I do not like to complain but I’ve been with heartland for over 14 years and because I trusted them I never checked my statement till now.4 months ago I noticed a $225 fee on my account. As I questioned this fee I was told it was a part of a heartland security via a third party company and in order for me to get my money back I would have to be verified first. Well after 3 hours of talking with the third party company I was verified and I was promised by heartland that I would get my money by 4/2022. Well after calling them I was told that it would be in my account by 5/1/2022 which has not yet happened.Today I noticed a $54 fee on my account and when I questioned it today I don’t know if the rep knew what it was, so out of anger I asked them to close my account after 14 years since I could not trust this company anymore.I receive a call from Rusty whom is a client manager and he proceeded to ask me whom I spoke with which if you are a small business owner working every day you know I couldn’t possibly remember the persons name. So he said that since I can’t remember the persons name then there is nothing he can do for me!!!!! WhyHe further said that since I asked my account to be closed then he will refund me the money that was taken out of my account without my permission.So in short please check your statement I’m told that heartland has a habit of charging people fees without their knowledge. There are many reputable credit card services out there.

    • Organization Name: Bravo restaurant group llc

    This comment refers to an earlier version of this review and may be outdated.

    Josh Fries

    Organization Name: Solar Cleanergy

    Get a square! This company is horrible, they don’t sign you up for the proper credentials for American Express or anything right off the bat. It takes forever to get your batches taken care of you have to call them and set up all sort of settings to that just makes sense that should’ve been set up in the first place. Their customer service is awful. You get charged even when you aren’t using their services. When you sign up they sign you up for like a 3 1/2 year contract and don’t tell you about it. And when you tell them they suck and you need to go onto another company because they’re horrible they charge you $300 to leave. Don’t make this mistake, go with square before you sign up with some half ass company they can’t even include logos and their merchant services.

    • Organization Name: Solar Cleanergy

    This comment refers to an earlier version of this review and may be outdated.

    m carter

    Organization Name: carters chocolatres

    I have their POS system, which is miles better than the last, capability-wise, although of course it still has some issues as they all do.When switching over to their POS we talked a lot with their processing arm, who kept talking about the problems with connectivity between their system and our old processor, and that it had a built in monthly cost of $40 to connect.I sat down with a sales rep and our statement, and, as they all do ( i have had 7 or 8 different processors over the years) he pointed out 2 or 3 places where they are over charging me. I asked for the bottom line, said that I was happy with my approximately 2.7% monthly fee i was paying and that all they had to do was meet that.I apologized to the old system, told them why i was leaving and switched over.Since then every full month has been almost a full percentage higher, costing me between 400 and 500 a month.When I brought that to the rep’s attention the day that I was charged for my first full month, i was told to wait while he investigated. The next month I was to wait a bit longer, and he promised a refund. Then when I contacted him again he finally told me that there was some mumbo jumbo at corporate that prevented me getting the same price i had with my old company, or preventing me from getting a meaningful reimbursement.I had to buy new equipment, but as soon as I can i am installing that and switching back to my previous processor at the previous prices.I’m sure that after paying an extra couple thousand over the summer, they will also charge me their cancellation fee, another 295.ooIt’s such a shame that I ever decided to leave the company that had been so good to me for the years between Harbortouch (stay far far away from harbortouch) and Heartland. It makes me feel ungrateful and disloyal.

    • Organization Name: carters chocolatres

    This comment refers to an earlier version of this review and may be outdated.

    Chris Havekost

    Organization Name: Prodigy Gym and Fitness

    Was told by my supposed Rep [Name Redacted], that there would be no termination fee because I was with them before. [Name Redacted] was only with them for a few months. He leaves no one contacts me I have to call to find out why he won’t respond to find out he’s gone. During my time before with Heartland, years, I was never even contacted by them one time. I went back because their rates were better. Of course when I go to cancel they tell me that there is a termination fee. This company doesn’t care about their clients period.

    • Organization Name: Prodigy Gym and Fitness

    This comment refers to an earlier version of this review and may be outdated.


    Organization Name: TMKK Solutions

    I find a lot of these reviews quite funny. There are so many people complaining about the early termination fee and how they never saw it. The fact that there are this many people blindly signing a contract without reading it makes me laugh. I checked mine(even tho I knew about it) and it’s literally on pg4 right below the last signature. The contract term is there as well which can be either m2m 1 yr, 2 yr, or 3 yr also something that i asked about. The PCI compliance complaints are ridiculous too. They literally sent me an email 10-15 times bc I hadn’t filled mine out. Also PCI fee is on the application smh. All in all looks like a bunch of people are angry that they blindly signed a contract and every detail that was in it wasn’t highlighted for them. I’ve had no issues over the last 2 years. I pay way less than I did in fees after switching from Quickbooks and when I wanted to start offering mobile pay to my customers it took like 4 days for them to set everything up. It was easy and painless and I had great feedback from texting invoices. The moral of this story is don’t be a business owner who doesn’t read contracts or asks questions. That is the best way to be a business owner without a business.

    • Organization Name: TMKK Solutions

    This comment refers to an earlier version of this review and may be outdated.



    One of the worst companies for customer service. Sit on endless hold, get transfer to person after person to only repeat account verification & reason for call again & again. They make up different excuses every time you call & tell you this was told to you on previous call. They nickel & dime you on fees. If you don’t catch them every month too bad, they will prorate the fees & screw you out of the fees. Once you cancel service with them, they will not refund you anything. Kiss your money bye bye.

    • Organization Name: BRIGHTWAY CARPET CLEANING

    This comment refers to an earlier version of this review and may be outdated.


    Organization Name: DYM PHARMACY

    you gave credits for good performance to a lot of companies, especially SQUARE. SQUARE is not good for business. SQUARE is holding our funds for more than 6 months and we are not sure when held our fund for 6 months. We are appealing to Texas Attorney General’s office for help

    • Organization Name: DYM PHARMACY

    This comment refers to an earlier version of this review and may be outdated.


    Organization Name: The Bed Post

    You can’t trust these guys. They will slide in new fees if you don’t review each monthly statement line by line. As an example they included a short two sentence blurb on that back page of one of our statements for one of our sites that they were going to add in a service called “Customer Intelligence Suite” for $54.95 a month and that if we didn’t call in to opt out it would remain permanent starting 3 months later. There was no communication in our email about this, no notification or alert on our portal for this change, no phone call from our rep, nothing!!! They just hope you and a good portion of their customers don’t see it. Another example was that some sites were getting charged a service and regulatory fee, and some weren’t, and then those that were getting charged weren’t the same amount among them even. And finally there was a monthly minimum fee that got charged mysteriously on a few months even though we did above average volume… Bottom line, if you want to play detective each month on your bills and have uncomfortable conversations with several levels of customer relations representatives, then by all means go for it. You will probably be able to catch the majority of their stealing attempts but probably not all of them.

    • Organization Name: The Bed Post

    This comment refers to an earlier version of this review and may be outdated.

    Kitchen Kake Magic

    I would not give a one star rating to this company. I have used them for about 4 years. Lots of trouble processing cards. Call several times a week. Have been told it was the phone provider. Phone company check and said line was clear. Replaced line inside building. Still same problem. Bought new terminal as heartland said. Did not help, My fees are over $6000.00 a year. They don’t seem to be concerned about losing my account

      This comment refers to an earlier version of this review and may be outdated.

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