Processing Payments with Confidence

Introduction

Card processors are known for their unfair pricing, hidden fees, and confusing statements.

Merchants are sold on "guaranteed" savings, yet time after time our competitors cost them valuable time and money. Heartland sets itself apart with fair, transparent pricing and data security that sets the industry standard. Merchants come to Heartland for advantages like interchange plus pricing, and Heartland Secure. These distinctions, and the many more that we offer, provide true value to merchants. At Heartland, that journey for a processor with integrity ends, and merchants are truly satisfied with the simplicity delivered to them with our products.

Payment Processing

1. Opt Blue Program - With Heartland's Opt Blue program, merchants get a competitive rate, receive funds faster than traditional American Express settlements, and receive one statement for all card brands.

The Opt Blue Program allows merchants to accept and process American Express card transactions the same way they process all the other major networks.

2. Interchange Plus Pricing - Interchange plus pricing gives merchants full disclosure of what they are paying Heartland, and how much of that Heartland is paying to the card brands. This gives merchants the full benefits of cost reductions.

3. Heartland Secure - Heartland Secure is the most secure card processing solution in the industry, backed by a comprehensive warranty. Through EMV, end-to-end encryption, and tokenization, Heartland makes card data completely useless to hackers.

Benefits of Processing with Heartland

• Industry Leading Breach Warranty - As long as merchants are processing with Heartland Secure and its certified devices, they are covered by a warranty at no extra cost

• PCI Compliance – The Payment Card Industry Data Security Standard is a set of requirements designed to ensure that all businesses that process, store or transmit credit card information maintain a secure environment. Heartland Secure minimizes PCI scope by encrypting card data. No card data. No risk

• Out of Scope - An out-of-scope system completely separates the POS from the card data. Since the POS never receives sensitive card data, it is out-of-scope and less exposed to cyber-criminals.

• Europay MasterCard Visa (EMV) - EMV electronic chip card technology to authenticate that a consumer's card is genuine

• E3 End-to-End Encryption Technology - Immediately encrypts card data as it is entered

• Tokenization - Replaces card data with "tokens" which can be used for returns and repeat purchases, but aren't usable by outsiders and have no value

Heartland Payment Systems offers member-only rates on COA-endorsed merchant card processing and payroll services. By using Heartland, you will be able to save money, save time, increase profits and simplify your business operations. Begin saving now by contacting Bill Wetmore of Heartland at 866-976-7101 or Bill.Wetmore@e-hps.com.