E-commerce Solutions: Online Ordering, Billing and Invoicing, Gift and Loyalty Programs
Product Categories
Information Technology and Software
Financial and Insurance Services
Available Products
Credit Card Processing
ACH Payments
Mobile Payments
Online Payments
Retail POS
Restaurant POS
Mobile POS
Payroll Processing
HR Software
Time and Attendance
Email Marketing
Analytics
Customer Intelligence
Online Ordering
Billing and Invoicing
Gift and Loyalty Programs
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:
Payment Processing
Credit and Debit Card Acceptance
Mobile and Contactless Payments
ACH and eCheck Processing
Online Payment Gateways and APIs
Point-of-Sale Systems
Heartland Restaurant POS
Heartland Retail POS
Mobile POS for on-the-go sales and service
Inventory, employee, and order management
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
Customer Engagement and Marketing
Email and text marketing automation
Loyalty and rewards programs
Customer behavior analytics
Gift card and digital wallet integration
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.
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.
