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Software plans
| Plan | Price | Billed per | Notes |
|---|---|---|---|
| Essentials | $89/monthHeartland (opens in a new tab) · Vendor website · | device | For single-location restaurants. Heartland's pricing gives the starting price for one station and asks restaurants with 3 or more stations for a quote, so this catalog counts it per station. |
| Complete | Quote onlySee my price for Heartland Restaurant (opens the provider's site in a new tab)Heartland (opens in a new tab) · Vendor website · | location | For two or more locations; price depends on locations and hardware. |
Processing rates and fees
| Fee | Amount | Applies to |
|---|---|---|
| In-person card rate | Quote onlySee my price for Heartland Restaurant (opens the provider's site in a new tab)Heartland (opens in a new tab) · Vendor website · | per transaction · In person |
| In-person fee per transaction | Quote onlySee my price for Heartland Restaurant (opens the provider's site in a new tab)Heartland (opens in a new tab) · Vendor website · | per transaction · In person |
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.
| Card type | Dual pricing or cash discount | Surcharge |
|---|---|---|
| Credit cards | Your customers | Your customers |
| Debit cards | Your customers | Your restaurant, at the card rate |
It isn't free: your customers pay it
| Fee | Amount | Applies to |
|---|---|---|
| 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 |
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. A new merchant is one that has not processed a transaction with Global Payments or its affiliates in the 90 days before opening the account and has no active processing agreement with them. It is a credit for new merchants, not a payment of your current provider's early termination fee.
- 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
- Buy or leaseHeartland Payment Systems (opens in a new tab) · Contract or terms · ()Heartland's equipment terms cover buying, renting and using equipment you already own. The rent and the purchase price are set on your order form; Heartland says most existing hardware, including iPads, is compatible.
- Works with another processor
- YesHeartland (opens in a new tab) · Vendor website ·
| Item | Upfront | Monthly |
|---|---|---|
| Countertop POS station | Quote onlySee my price for Heartland Restaurant (opens the provider's site in a new tab)Heartland Payment Systems (opens in a new tab) · Contract or terms · ()Heartland publishes no purchase or rental price for its stations on heartland.us, its pricing pages or its equipment terms. We also looked for public purchase records (city, county and school agendas) and recent reviews from 2026 with a price for Heartland's restaurant hardware and found none we could use. | — |
Hardware warranty
The same rows for every POS: how long the main terminal is covered against defects when you get it a standard way (buying, leasing, renting, a subscription or a loan), the conditions, including what it leaves out and what keeping it costs, and the price to replace that terminal outside the coverage.
| Hardware warranty included | Lifetime, while your agreement is activeSource: Heartland Payment Systems (opens in a new tab)Only for hardware rented from Heartland, for as long as you rent it and pay the rent, with no end date in the terms. That is the same rule we apply to every vendor whose coverage lasts while you keep the agreement that carries it. Hardware bought from Heartland has a one-year warranty from shipment. The rental price is set on your order form and is not published. The same clauses appear in Heartland's ancillary terms on heartland.us. |
|---|---|
| Warranty conditions | Bought from Heartland: one year from shipment against defects in workmanship and materials, with free replacement during that year; after it, Heartland repairs or replaces at your cost. Damage from fire, lightning or water is billed as a new purchase at current rates, and damage from your negligence is charged. Unused hardware can be returned within 60 days, less a $30 restocking fee. Rented from Heartland: a unit that stops working through no fault of yours is replaced at no charge for as long as you pay the rent on time; repairs caused by negligence are charged, and you owe the full cost of rented equipment that is lost or destroyed. You ship the faulty unit back within 10 days at your cost, and the rent continues until Heartland receives it. If you stop processing with Heartland before the end of the term, a $100 equipment agreement cancellation fee applies. The rental price and deposit are set on your order form. No paid protection plan is published.Source: Heartland Payment Systems (opens in a new tab) |
| Price to replace the main terminal | Quote onlySee my price for Heartland Restaurant (opens the provider's site in a new tab)Source: Heartland Payment Systems (opens in a new tab)The main terminal is Heartland's countertop POS station. Heartland publishes no hardware prices; hardware is quoted with your plan. |
The RTC Score only counts how long defects are covered. What the coverage leaves out (accidents, theft, loss) and what it costs to keep are in the conditions. A protection plan sold separately doesn't count; if the vendor offers one, it's in the conditions. The replacement price isn't added to the 36-month cost, because there's no public data on how often equipment fails.