Countertop hardware: Payment processing is all about flexibility these days. So Heartland supplies the hardware (or integrations to current hardware and software) needed for merchants to accept a wide variety of payment types. This ensures purchases can be made quickly and securely, regardless of the point of sale platform used.

Mobile: Turn your customer’s smartphone or tablet into a payment terminal with a simple app and card reader. The app is compatible with iOS and Android phones and tablets and Amazon tablets. Heartland Mobile Pay also includes a companion merchant web portal, which provides access to reporting and administrative features.

Online: Heartland Ecommerce is a full-service web platform that allows merchants to set up an online web store for ordering, selling products and collecting consumer payments using the familiar “shopping cart” functionality.

Bill payments: With bill payments, merchants can send invoices online, offer customers the ability to pay online (using a Heartland-hosted web page) and even allow their customers to setup recurring payments. Payments can be submitted by credit card, debit card or ACH payment.

Heartland takes the pain out of payroll with customizable employee payment, integrated timekeeping and tax reporting solutions. Application management, as well as new hire compliance and onboarding, are also part of the offering. When it comes to other HR matters like guidance, labor law posters and forms, Heartland provides merchants with support to navigate complex topics.

Heartland Capital is an easier and faster way for small businesses to secure the funding they need to operate and grow. It streamlines the entire lending process – from application to approval to funding -- and canvasses the lending marketplace to provide entrepreneurs with the best loan options, rates and terms available in as little as 24 hours.

The online platform enables business owners to apply for loans up to $5M and access a line of credit up to $500K. With a hassle-free way to secure and access working capital, business owners can instead focus on other aspects of running their business.

Simplify email marketing and track return on investment to drive more customers to your business.

• Quickly create email campaigns to promote new items, special deals and events with customizable templates and drag-and-drop editing.

• Validate campaign effectiveness by tracking how campaigns are impacting new and repeat business to increase sales volume.

• Optimize results by targeting the right communication to the right customers, prioritizing the most effective efforts, and quickly recreating them.

• List management tools enable you to easily upload existing contacts or to create an online form to gather customer contact information directly from your business website.

Increase brand exposure to generate new customers and revenue.

• Increase sales, promote your brand, introduce your business to potential customers and remind existing ones what’s great about your business.

• Engage customers to get people in the door and coming back.

• Set apart your brand by customizing gift cards with your company’s logo and colors.

• Redeem, reload, reuse on POS, kiosks and online.

• Lock in customer funds while also reducing payment processing fees.

Validate your marketing and advertising effectiveness for optimum impact.

• Elevate card processing by harnessing the power of your card data to gain insight into customer visits, sales volume and average ticket metrics.

• Track marketing effectiveness to determine if campaigns are attracting new or repeat customers, and gain insight into customer purchasing habits to know if you’re increasing average spend.

• Positively impact sales by spending your marketing and advertising dollars where they’re most effective

Turn customer data into customer intelligence.

• Know your customers’ spending habits, what they want and need, and monitor your competitors.

• Market smarter using advanced demographics to precisely target customers and fine tune messages.

• Respond to customers in real-time with social post visibility and an advanced response library of suggested social replies.

• Stay ahead of the competition with access to data that compares your revenue, transactions and average purchase price to similar businesses nearby.