Heartland Payment Systems, headquartered in Oklahoma City, Oklahoma, is a leading provider of financial technology and payment processing solutions for small to mid-sized businesses across the United States. As a division of Global Payments Inc. (NYSE: GPN), Heartland serves over 400,000 businesses nationwide, offering a full suite of services that simplify and secure the way entrepreneurs manage payments, payroll, HR, and customer engagement.
Founded with a mission to provide fair, transparent, and customer-first solutions, Heartland has grown into a top-tier fintech brand known for its integrity, innovation, and comprehensive service offering tailored for the restaurant, retail, and service-based industries.
Core Business
Heartland’s core business revolves around delivering end-to-end financial and operational solutions that help businesses get paid, manage operations, and grow their customer base. Unlike traditional payment processors, Heartland integrates point-of-sale hardware, software, payroll, customer engagement, and online commerce solutions into a single platform.
Through its cloud-based infrastructure and secure APIs, Heartland supports omnichannel businesses by offering real-time payments, secure transactions, and intelligent business tools that enhance efficiency and profitability.
Product and Service Offerings
Heartland’s portfolio includes:
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Payment Processing
- Credit and Debit Card Acceptance
- Mobile and Contactless Payments
- ACH and eCheck Processing
- Online Payment Gateways and APIs
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Point-of-Sale Systems
- Heartland Restaurant POS
- Heartland Retail POS
- Mobile POS for on-the-go sales and service
- Inventory, employee, and order management
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Payroll and HR Solutions
- Full-service payroll processing
- HR software for onboarding, benefits, and compliance
- Time and attendance tracking systems
- Labor law compliance and reporting
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Customer Engagement and Marketing
- Email and text marketing automation
- Loyalty and rewards programs
- Customer behavior analytics
- Gift card and digital wallet integration
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E-commerce and Online Ordering
- Seamless online ordering systems for restaurants and retailers
- Automated invoicing and recurring billing
- Hosted checkout solutions and digital storefronts
Specialization and Core USP
Heartland’s competitive edge lies in its all-in-one platform, which consolidates payments, operations, marketing, and HR into a seamless ecosystem tailored for small and mid-sized businesses. Its standout features include:
- Proprietary POS software with native integration to payroll and payments
- Transparent pricing and direct customer service—no third-party sales reps
- Strong focus on security and compliance, including PCI-DSS, GDPR, and HIPAA where applicable
- Advanced reporting and analytics dashboards that help businesses track KPIs in real-time
Heartland is also recognized for its ethical billing model, having introduced “Interchange Plus” pricing transparency before it became industry standard.
Financials and Business Scale
As part of Global Payments Inc., Heartland contributes to a global fintech revenue stream exceeding $9.5 billion (GPN, FY2023), with Heartland accounting for a major portion of North American SMB transactions.
- Estimated Heartland annual revenue: $1.8–2.5 billion (2024 est.)
- Client base: Over 400,000 businesses in the U.S.
- Average daily transactions processed: Over 15 million
- Supported transaction volume: $120+ billion annually
The company operates multiple U.S. offices, a national sales force, and a growing partner ecosystem of ISVs and integrators.
Shipment and Deployment Data
Heartland operates on a SaaS and hardware-as-a-service model with fast deployment:
- POS Systems shipped annually: ~35,000 units
- Time to deployment: Average of 2–3 business days from purchase
- Installation support: Remote onboarding + on-site services for enterprise clients
- Client retention rate: Approx. 88% (industry-leading)
The company offers APIs and SDKs for third-party POS integrators, mobile app developers, and web commerce platforms.
Target Market
Heartland targets:
- Restaurants (QSRs, FSRs, multi-unit franchises)
- Retailers (fashion, grocery, electronics, pop-up shops)
- Healthcare and wellness centers
- Hospitality and events businesses
- Field service and contractor-based operations
- Nonprofits and educational institutions
Their solutions are ideal for businesses with 1–100+ employees and annual revenues from $250K to $50M.
Capabilities
- In-house engineering and R&D teams for continuous feature rollouts
- Dedicated 24/7 U.S.-based customer support
- Payment gateway and POS customization via APIs
- Payroll tax filing and HR compliance tools
- Integrated marketing suite with ROI tracking
Heartland also provides certified training and partner onboarding for resellers and ISOs.
Certifications and Compliance
- PCI-DSS Level 1 certified service provider
- SOC 2 Type II audited data centers
- HIPAA-compliant payroll and HR systems
- EMV-certified hardware for chip-enabled transactions
- Compliant with California Consumer Privacy Act (CCPA) and GDPR
Security and fraud mitigation are integral, with end-to-end encryption and tokenization on all platforms.
Customer Testimonials
“Heartland’s restaurant POS helped us cut order processing time by 35% and increased table turnover by 20%. It’s a game changer.”
— General Manager, Midwestern Restaurant Chain
“We finally have payroll, HR, and payments in one place—and we’re saving over $7,000 a year in admin costs.”
— Owner, Multi-State Salon Franchise
“As a retailer, Heartland Retail POS gives us the tools to scale and a loyalty system our customers love.”
— VP of Operations, Apparel Brand, Florida
Major Achievements
- Acquired by Global Payments Inc. in a $4.3 billion deal (2016)
- Ranked among Forbes Fintech 50 and CIO Review’s Top POS Solution Providers
- Deployed solutions in over 150,000 restaurants and 250,000 retailers
- Certified partner with Apple Pay, Google Pay, and American Express
- Recognized for Top Client Satisfaction by G2 Crowd and TrustRadius (2023–2024)
Heartland Payment Systems continues to lead the SMB fintech sector by delivering intelligent, user-friendly solutions that empower business owners to do what they do best—grow and serve their communities.
