Plans
No plans documented yet.
Card rates and fees
| Fee | Amount | Applies to |
|---|---|---|
| In-person card rate | Quote onlyHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland advertises Payments+ "starting at" 2.6% + 10¢ in person. A starting price isn't your rate, so we count it as quote only: the same rule for every vendor, a published floor or range counts as not published. | per transaction · In person |
| In-person fee per transaction | Quote onlyHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland advertises Payments+ "starting at" 2.6% + 10¢ in person. A starting price isn't your rate, so we count it as quote only: the same rule for every vendor, a published floor or range counts as not published. | per transaction · In person |
| Online card rate | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland publishes only its starting in-person rate; online and keyed rates are quoted, and its terms say card-not-present sales pay the adjusted rates of your fee schedule. | per transaction · Online |
| Online fee per transaction | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland publishes only its starting in-person rate; online and keyed rates are quoted, and its terms say card-not-present sales pay the adjusted rates of your fee schedule. | per transaction · Online |
| Keyed-in card rate | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland publishes only its starting in-person rate; online and keyed rates are quoted, and its terms say card-not-present sales pay the adjusted rates of your fee schedule. | per transaction · Keyed |
| Keyed-in fee per transaction | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland publishes only its starting in-person rate; online and keyed rates are quoted, and its terms say card-not-present sales pay the adjusted rates of your fee schedule. | per transaction · Keyed |
| Monthly Service and Regulatory Mandate fee | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Charged monthly; the amount isn't published. | per account |
| PCI compliance fee | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland says PCI validation is part of the monthly Service and Regulatory Mandate fee; no separate amount is published. | per account |
| Statement fee | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland doesn't publish this fee on its pricing pages, FAQ or posted terms; it is set in your fee schedule. | per account |
| Annual fee | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland doesn't publish this fee on its pricing pages, FAQ or posted terms; it is set in your fee schedule. A Heartland application that a city government made public in January 2025 (a municipal golf course, revised November 2024) listed a $99 annual fee for that merchant. Heartland sets fees merchant by merchant, so we don't show it as Heartland's fee. | per account |
| Fee per settlement batch | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland doesn't publish this fee on its pricing pages, FAQ or posted terms; it is set in your fee schedule. | per settlement batch |
| PCI non-compliance fee | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland doesn't publish this fee on its pricing pages, FAQ or posted terms; it is set in your fee schedule. A Heartland application that a city government made public in January 2025 (a municipal golf course, revised November 2024) listed a $125 monthly PCI non-compliance fee for that merchant. Heartland sets fees merchant by merchant, so we don't show it as Heartland's fee. | per accountOnly if you don't complete your PCI compliance. |
| Monthly minimum | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland doesn't publish this fee on its pricing pages, FAQ or posted terms; it is set in your fee schedule. | per accountOnly when your processing fees in the month are below the minimum: you pay the difference. |
| Chargeback fee | Not publishedHeartland Payment Systems (opens in a new tab) · Contract or terms · No fee for the first three chargebacks in each 12-month period; after that, an unpublished fee. A Heartland application that a city government made public in January 2025 (a municipal golf course, revised November 2024) listed a $25 chargeback fee for that merchant. Heartland sets fees merchant by merchant, so we don't show it as Heartland's fee. | per accountEach time a customer disputes a charge, after the first three in each 12-month period. |
| Voice authorization | $0.65 one-timeHeartland Payment Systems (opens in a new tab) · Contract or terms · Heartland's publicly posted processing terms are the March 2016 revision; your agreement may differ. | per accountOnly when a card is authorized by phone, for example while the terminal is down. |
| Equipment agreement cancellation | $100 one-timeHeartland Payment Systems (opens in a new tab) · Contract or terms · Heartland's publicly posted processing terms are the March 2016 revision; your agreement may differ. | per accountOnly if you rent equipment from Heartland and stop processing with it before the end of the term. |
| Returned ACH item | $25 one-timeHeartland Payment Systems (opens in a new tab) · Contract or terms · Heartland's publicly posted processing terms are the March 2016 revision; your agreement may differ. | per accountEach time a debit Heartland sends to your bank account is returned. |
Paid by your customers
With this program your customers pay the card cost on the cards it covers, so those cost your restaurant $0 in our estimate. A surcharge only covers credit cards: your restaurant still pays the vendor's rate on debit. We show what your customers pay apart and never add it to your cost. Card network rules and state laws apply, and some states limit surcharges.
| Fee | Amount | Applies to |
|---|---|---|
| Cash discount (paid by your customers) | Not publishedHeartland (Global Payments) (opens in a new tab) · Vendor website · Heartland doesn't publish the percentage or the terms of its cash discount. | per transaction |
| Heartland surcharge program (paid by your customers) | 3%Heartland (Global Payments) (opens in a new tab) · Vendor website · 3% on credit card payments, as published by Heartland. | per transaction · Visa, Mastercard and Discover credit and American ExpressOnly if you choose the surcharge instead of the cash discount; credit cards only (debit, gift and prepaid cards are excluded). |
Current promotion
Signing bonus
Up to $26,000Source: Global Payments (opens in a new tab)With $30,000 a month in card sales (our reference scenario): up to $1,560.
- Conditions
- Global Payments' offer for Genius, the brand under which it now sells Heartland's restaurant POS. New merchants that buy Genius and qualify get a statement credit equal to their discount rate (at most 2.6%) times their qualifying card volume (at most $1 million) in the first two months after activation, up to $26,000. The credit only offsets Global Payments processing fees, not hardware, software or third-party fees, and it is posted within 90 days after the promotional period. Limited to the first 50 eligible merchants, through December 18, 2026, and Global Payments decides what volume qualifies. If you end the agreement during the first year, an early termination fee equal to the credit applies.
- What you need to qualify
- You lose it or pay it back if you leave before month 12
- Valid until
Counts in the RTC Score only if our reference restaurant qualifies.
The switching or signing incentive is one of the criteria with the most weight in the RTC Score. We count a promotion only while it's current, with a fixed published amount and conditions our reference restaurant meets. "Up to" amounts, buyouts of your current contract and unpublished amounts don't count. The cost calculator subtracts one only when your numbers qualify.
Hardware
- Ownership
- —
- Works with another processor
- —
| Item | Upfront | Monthly |
|---|---|---|
| Countertop terminal or POS station | Quote onlyHeartland Payment Systems (opens in a new tab) · Contract or terms · Heartland publishes no purchase or rental price for its terminals or stations on heartland.us, its pricing pages or its equipment terms. | — |