Heartland Credit & Debit Card Processing

Heartland offers USFSB members a complete suite of payment solutions specially tailored to the needs of retailers, restaurants, business to business services providers and the hospitality industry. We process all major credit cards, 24-hours per day, every day of the year.
  • Visa
  • MasterCard
  • American Express
  • Diners Club
  • Discover
  • JCB
  • Transactions involving these cards are efficiently processed on all major processing networks including our own, state-of-the-art HPS Exchange.

    The Heartland Difference

    As the nation’s 8th largest processor and nation's largest independently owned payment processor, Heartland handles all elements of both credit and debit card transaction processing offering a host of services that make one-stop payment processing a reality for our merchants.
  • Fully disclosed pricing
  • Simplified paperwork for quick approval
  • Easy-to-read processing statements
  • 4 levels of customers service 24-hours per day, 365 days a year
  • Local Relationship Managers knowledgeable about the industries we serve
  • Instant on-line access to critical transaction data
  • Simplified USFSB Small Merchant Pricing

    And, most importantly, you have access to a real person in your community... your local Heartland Relationship Manager. These individuals depend on your continuing satisfaction for their ongoing success and they are there to help you with questions, training and any other issues that may affect your credit and debit card transactions.

    Heartland's Merchant Center

    You have secure, online access to your account activity from any computer with an Internet connection. You also have 24-hour, toll-free phone access to our customer service team to help you with any technical questions you may have.
    Heartland's online Merchant Center gives you instant access to your account activity including:
  • Online Statements - all of your statements sorted by date or card type for printing or reviewing online
  • Chargeback & Retrieval Activity - a complete history of your business' past and current activity
  • Batch Details - a full list of processed batches with individual transaction details
  • Deposits - summary and details including date, debit and credit numbers and amounts

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