# Compare Heartland Payments+ vs Venmo 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Heartland Payments+ and Venmo based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/119791-222572/Heartland-Payment-Processing-vs-Venmo-

---

# Heartland Payments+ vs Venmo Features and Cost Comparison

Last updated June 3rd, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

Heartland Payments+Venmo2/4 selected

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.7 (9,296)](https://www.capterra.com/p/222572/Venmo-/reviews/)

[## Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

Starting Price

Contact vendor

Value-for-Money

4

Functionality

4.3

Ease of Use

4.4

Customer Service

4.1

Reviews Sentiment

Based on [132 reviews](#user-reviews)

Positive

113

Neutral

3

Negative

16

[## Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.7 (9,296)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.8

Functionality

4.6

Ease of Use

4.7

Customer Service

4.4

Reviews Sentiment

Based on [9,296 reviews](#user-reviews)

Positive

8,849

Neutral

299

Negative

148

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## Send this comparison chart to my inbox

### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.

## Summary

* * *

Key features rated by users

Features selected based on 23,599 reviews from payment processing software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

61%Fit

Missing features

Feature ratings

Data Security

4.7

Online Payments

4.2

Payment Fraud Prevention

NA

Debit/Credit Card Processing

4.1

Expense Tracking

NA

82%Fit

Missing features

Feature ratings

Data Security

4.6

Online Payments

4.7

Payment Fraud Prevention

NA

Debit/Credit Card Processing

4.6

Expense Tracking

NA

User satisfaction

User satisfaction

4.3

User reviews[132](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

Ease of use

4.4

Functionality

4.3

Value for money

4.0

Customer support

4.1

User satisfaction

4.7

User reviews[9,296](https://www.capterra.com/p/222572/Venmo-/reviews/)

Ease of use

4.7

Functionality

4.6

Value for money

4.8

Customer support

4.4

Price starts from

Price starts from

\--

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Designed to assist medical practices, local governments, and utility providers with an integrated payment processing solution.

Best for

Ideal for small to medium-sized enterprises, it is a mobile platform that helps users to carry out money transmissions.

## User reviews

Pros & cons

KO

Katherine O.

Polyglot

> "I like Heartland payment because many users like me, find the interface intuitive and user-friendly, which helps with transaction..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7068513)

AS

Amy S.

Owner

> "It defies logic that a business would cancel payroll, close its ROC license, and stop operations — yet continue to pay for unused merchant..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___7031362)

BN

Brianna N.

Data Analyst

> "I like heartland payment because it offers a variety of payment solutions, including credit and debit card processing, mobile payments,..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7069489)

LR

Laila R.

Sales assistant associate

> "No trial period available for new users to test the system, need to contact sales reps to view the demo version, the experience is limited."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6853293)

Neelam S.

SOFTWARE MANAGER

> "The best Service to receive payments they doesn't work on traditional payments, they have a dedicated server and they have a proper..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6654882)

EL

Eddy L.

Electrical and Electronics Engineer

> "However, the setup process can be complex, and the fee structure lacks transparency, which can lead to unexpected costs."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674)

II

Ifeoma I.

Executive Assistant

> "Heartland payments+ makes payment management simple with its relable tools that make payment processing efficient, gives customizable..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6661568)

VR

Verified Reviewer

owner

> "We are a small business and By the time we had time to analyze the bills we had been take for a ride for almost a year which totaled a..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___6413747)

SO

Samson O.

Supply chain manager

> "It is one of the best payment processing platform that offers and incredible customers services.it also offers a very minimal and..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6659526)

AA

Abhishek A.

Financial Consultant

> "Sometimes, I have seen some delay in payment processing from the company, but it's been very rare scenarios."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6474335)

SI

Shardul I.

System Administrator

> "What i like best about Heartland Payments is that it accepts most payment methods, and offers payment processing that is efficient and..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6780686)

EL

Eddy L.

Electrical and Electronics Engineer

> "Initial setup complexity, for instance setting up the clover POS system was challenging for me."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674)

BT

Bodamer T.

Foreign Language and Localization Administrator

> "It has an enhanced reporting tool that give us all the fine and accurate details we need to know about any processed payment."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6451387)

BP

Barbara P.

Paralegal, Office Manager

> "Many of the reports have such small print that they are difficult to read."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6774946)

SV

Sarah V.

Accounting Manager

> "It enables me to provide flexible payments options to my clients and receive those payments on time."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6406136)

TO

Taryn O.

Business Operations Supervisor

> "Processing fees are more expensive than those of newer platforms."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6767261)

Ashutosh M.

Software Developer

> "It also provides us with customer insights and analytics which helps us to track sales and other performances."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6508716)

CO

Charles O.

Owner

> "They were zero help in that regard for my switching processors. And I do not like how they handle charge-backs from customers who have..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4919487)

GWI

Georgy-Winifred I.

Project Manager

> "Heartland payment is a secure and user friendly platform that makes payment management simple by offering flexible client options and..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6569673)

MH

Maisarah H.

Administrator

> "No reason to dislike any of their tools & features."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6607596)

PC

Pat C.

Assistant Manager

> "It works with nearly every payment option I think is available which is why we’ve committed to using it as our only payment processing..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158)

SS

STEVE S.

OWNER

> "I had a problem since they set up 2 verification process."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6358742)

WG

Wendy G.

Finance Director

> "My overall experience with Heartland Payments + is somewhat ok. While the operations are decent the pricing is a deterrent."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7093270)

DB

Denise B.

Owner

> "Their customer service people are nice but the systems are so messed up that the sites are down a lot and then you cant get in. When I..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982)

SR

Salice R.

ELL contractor

> "I like just two things about heartland payment the ease of tracking invoicing and transactions that they make"

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7067307)

CO

Charles O.

Owner

> "Heartland started lopping fees on us over the years."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4919487)

PC

Pat C.

Assistant Manager

> "finally the inbuilt verification and security features are rock solid and we really trust in ut, helping businesses stay efficient and..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158)

WD

Will D.

Owner

> "Customer service is terrible and the system is equally disastrous."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___6252020)

PC

Pat C.

Assistant Manager

> "The financial reporting tools is also very important as they keep everything clear and make tracking transactions effortless."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158)

HN

Hatim N.

Founder

> "Bad service, either being raciest sales staff of disrespectful, KC sucks"

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___5019775)

MP

Maurizio P.

Finance Manager

> "Besides, Heartland Payments+ has created a global support, a formation that allows companies conduct their businesses online."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6380141)

DB

Denise B.

Owner

> "Then they would charge our small business fees to compensate for that. When I called customer service it would be at least an hour to..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982)

Thomas F R.

Assistant Director

> "Heartland Payments+ has made it easy for us to run our institution by giving us a reliable space for managing our finances."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6418014)

PS

Penelope S.

owner

> "I had just started my business and there were a lot of issues I had no experience with. "

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6358606)

EE

Erere E.

Operation Manager

> "Heartland Payments accept most payment methods and it is faster in creating invoices and sending."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6727856)

TV

Theodore V.

owner

> "It will break a mom and pop restaurant with the fees of processing and a unusable system."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4587019)

JK

Joachim K.

Marketing Assistant

> "Heartland Payments+ simplify payment processing operation for our business to accept payment from customer."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6419046)

KN

Kate N.

Director of Operations

> "We were given two different websites to login to, but never given training on where to look for transactions and reports. "

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3932227)

EL

Eddy L.

Electrical and Electronics Engineer

> "Heartland Payments+ offers a user-friendly interface and strong security features, making transaction management straightforward and..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674)

TV

Theodore V.

owner

> "Third party contractor Retail systems inc. could not keep system running to save their lives."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4587019)

GM

Gianluca M.

Finance Director

> "Heartland Payments+ is more precise in matters payment processing, and there are reliable security modalities included."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6382864)

PR

Patricia R.

Accounting Manager

> "It was almost exactly the same and more expensive!! When asked for a refund, heartland was unable to do it. "

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___3827057)

MP

Maurizio P.

Finance Manager

> "Heartland Payments+ has confined verification security measures, and they all ensure businesses are successful and effective."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6380141)

AJ

Aliya J.

Store manager

> "Time using it and it wasn’t given to us as advertised."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3731262)

SO

Star O.

Organization Manager

> "Easy to use, offers low rates, strong security, and provides flexible payment options for our clients making it a perfect solution for..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6583864)

LS

Latonya S.

CEO

> "WTH - who closes an account without notifying their customers?"

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___3822853)

AD

Angela D.

Project Manager

> "The easiness to track payment that is sent to us is what make this software critical for our business."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6724377)

KN

Kate N.

Director of Operations

> "Dashboard and reporting are difficult to use. "

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3932227)

RS

Ribeiro S.

Sales Executive

> "Creating invoice or recurring billing is fast by using the build-in template."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6431917)

TM

Tiffany M.

Service Writer

> "Is the most expensive payroll company I’ve worked with."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3796924)

AP

Adetola P.

Executive Assistant

> "Setting it up is very simple even for someone like me who isn't very family with tech stuff, but what I really appreciate is how fast and..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6628537)

AJ

Aliya J.

Store manager

> "Everyone in my company had a difficult"

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3731262)

EL

Eddy L.

Electrical and Electronics Engineer

> "integrated solutions, handles in store sales with Clover POS system seamlessly"

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674)

DB

Denise B.

Owner

> "Their error. "

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982)

RI

Rafael I.

Administrator Assitant

> "Heartland Payments+ simplify process payment and solve issues with payment or card declined."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6448777)

AP

Annie P.

Co-Owner / Head Brewer

> "We’ve been shut down in one form or another for over 12 months and having Heartland hold back 100% of our credit sales during this is..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714)

AJ

Abhishek J.

Operation Manager

> "Payments are processed swiftly, securely, and without any delays; it also aids in worldwide marketing."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6539225)

Lyndia C.

Health Insurance Advisor

> "I got locked out because I would forget the client code often."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3522693)

SM

Sameer M.

Senior Manager

> "It is also better since it enables you to securely store patient’s regular card numbers, thereby simplifying things for both the patient..."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6343786)

JR

Jennifer R.

Cosmetic Formulator

> "The dashboard looks a little overwhelming. "

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3457061)

HR

Harsh R.

Video Editor

> "I love how it keeps online payments safe, and it helps sell products smoothly and securely."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6419704)

AP

Annie P.

Co-Owner / Head Brewer

> "Sometimes the calls last as much as an hour, and many times I can’t get anyone on the phone who has any idea what to do."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714)

JK

Joachim K.

Marketing Assistant

> "It gives flexibility and customer are more comfortable since their favorite payment processor is supported by the platform."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6419046)

KC

Katie C.

Student

> "I don't feel there are difficulties with this software that I have experienced personally at this time."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3022988)

LD

Linus D.

Marketing Director

> "Heartland Payments+ has a focused way of creating a rational payment option, and this validates all transactions for companies."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6366871)

AP

Annie P.

Co-Owner / Head Brewer

> "Heartland is the source of our biggest problem right now, and we’re a restaurant during a pandemic."

[See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714)

[View Reviews](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

SW

Sarah W.

Owner

> "My favorite thing about Venmo is being able to lock my card that way if I lose it, nobody can access my funds, Plus I love the vibrant Venmo cards, my..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7173577)

CH

Colleen H.

OWNER

> "The verification process was not easy and I had several issues with adding the business bank account for sending and receiving payments. When I..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7164909)

AS

Amber S.

Business Administrator

> "I like how people are able to add pictures specifying it is them, the additional code option to type in the last 4 digits of their cell phone number..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7007851)

VW

Victoria W.

Creator

> "I have used Venmo's customer support system 2 times in order to attempt to cancel payments 1 that was accidentally sent to the wrong person and..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7055635)

DH

Denise H.

paralegal

> "I also like that you are not only able to use the app but can also get a venmo debit card that not only can you use but it will also keep track of..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7083997)

RI

Ricardo I.

Self Employed

> "What I least like about Venmo is the not so wide network of banks it has, you usually run into issues if you use a local bank."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7159432)

RR

Rebecca R.

Production manager

> "The app makes splitting bills, paying friends, or handling small transactions very convenient, and transfers usually happen within seconds."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7139340)

NHH

Nguyen H. H.

Deputy Service Manager

> "The charges and sometimes tech glitches, though, make it not the best option for more complicated financial transactions."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7167459)

DR

David R.

Dive Operation Manager

> "We can process payments on phones, gratuities are a breeze, and transfers keep up with our pace between marina, shop, and liveaboards."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6881505)

Trinidad F.

Autonomous Remote Assistant

> "The only thing I don't like about Venmo is the percentage taken when transferring funds to a bank account for withdrawal."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7093524)

Desiree G.

peer support

> "Everything is documented and you can easily connect contacts and utility companies and pay monthly on time."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7089754)

BY

Brian Y.

Visa Consulting Specialist

> "I do not like the restricted business functionality and the random payment flag that make it not as reliable with bigger or more serious client..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7069018)

NHH

Nguyen H. H.

Deputy Service Manager

> "Venmo does a decent job with what we need for our smaller business, particularly if we are on the move or need to reimburse quickly."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7167459)

JG

Jennifer G.

Librarian

> "The only con to venmo that I can think of is people being able to use it to set up fake accounts and scam."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100630)

Nava B.

Owner

> "I especially like being able to just show my QR code to someone instead of having to spell my Venmo name to them."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100073)

AP

Alissa P.

agent

> "Customer support can be slow, and there are occasional bugs or issues with transactions or account access."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7125848)

PC

Patrick C.

Administrator

> "The way it opens up the ability to make transactions happen in a wide variety of places with an easy to use interface."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7156100)

HC

Hilary C.

Owner

> "Privacy settings can be confusing, and instant transfer fees may add up with frequent use over time."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7127843)

AS

Amber S.

Business Administrator

> "Having all my coworkers on the platform made it easier to find others and also remind me who I needed to send money to for whatever they may have..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7007851)

JB

Julianne B.

office

> "Fees tied to venmo can be a little intimidating for some businesses and not for profits forcing you use a different method"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7170762)

VR

Verified Reviewer

Dental Hygienist

> "The addition of the ability to buy crypto is a nice touch as well."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7075560)

RW

Renee W.

Direct support professional

> "You are limited to the number of cards you can add to your Venmo account during a 6 month period which for me was sort of inconvenient because I..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6679467)

KW

Kate W.

Office Manager

> "It's super easy to take payments whereever you are, online, in person, and have others in the business take payments on your behalf."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7138104)

CH

Colleen H.

OWNER

> "I asked pointed questions to try and understand why the payment wasn't processing, but they couldn't explain to me why it wasn't working or how long..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7164909)

Ashley B.

Owner

> "I like that Venmo separates my personal profile from my small business profile."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7076483)

VR

Verified Reviewer

Regulatory Engineer

> "There is no protection of your money if you accidentally Venmo the wrong person (unless you select business purchase)"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7120972)

AP

Alissa P.

agent

> "It’s easy to use, fast, and reliable for sending and receiving money. While it’s great for convenience, it has some limitations when it comes to value..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7125848)

Saemi P.

artist

> "One drawback I've encountered is that while I use Venmo on various websites for class bookings and payments, Venmo itself cannot process payments..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6439498)

RR

Rebecca R.

Production manager

> "The interface is simple and user-friendly, and linking a bank account or card is straightforward."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7139340)

KG

Krista G.

VP

> "Venmo's dispute process is often glitchy and hard to find a resolution."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7145769)

CB

Crysta B.

Sales

> "I like having the option to keep it on the account and use the Venmo card or transfer it to my bank account."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7035272)

RW

Robin W.

President

> "Both outdated support options on the App and the website and then horrific support through their customer support phone line. "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7002034)

VR

Verified Reviewer

Regulatory Engineer

> "Great way to pay others back quickly and track small expenses."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7120972)

VR

Verified Reviewer

Administrative Assistant

> "I don't like that you have to pay a fee to transfer money immediately, or you have to wait a few days for the money to be put into your account."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6858926)

BL

Brooke L.

Customer Service Worker

> "Credit card payments are so easy to submit and the fees are minimal therefore it is excellent for small business use."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7172107)

VB

Violet B.

Artist Representative

> "I dislike having to turn off public view for my personal and/or business transactions. "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7140777)

PK

Paul K.

President

> "One of the best things about Vennmo is its easy to use payment processing systems for credit card payments."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7116310)

MW

Melissa W.

Hospital administrator

> "The idea of using Venmo for a business makes me feel like the clients thinks that they’re having a lower less premium service."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7055619)

CTB

Connor T. B.

Financial Operations Manager

> "It accelerated the distribution of petty cash, so our teams could move faster without waiting for accounting’s approval for small purchases."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6806809)

CH

Colleen H.

OWNER

> "I was not given a timeframe for resolution or any possible solutions to the issue..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7164909)

PK

Paul K.

President

> "With low fees and top notch customer support, it is an excellent choice for your business and personal needs."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7116310)

Saemi P.

artist

> "Additionally, I would prefer to display only Venmo as a payment option on the Setmore website, but this isn't allowed due to Venmo being linked to..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6439498)

AB

Amanda B.

assistant manager

> "I have had no issues sending or receiving payments through venmo. And they even have a venmo card you can use too!"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6861301)

RW

Robin W.

President

> "It is deeply frustrating as to the level of incompetence, especially since there is money in his venmo account that he cannot access."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7002034)

DP

Dana P.

Admin

> "Without taking fees out you can transfer to your bank between your 1-3 business days which is amazing"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7040390)

AS

Alexis S.

Owner

> "It is a bit confusing and something that you will have to get used to before actually sending an receiving money."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7092966)

MW

Melissa W.

Hospital administrator

> "Venmo offers secure, money, transferring and a really easy way to pay."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7171509)

Mallory T.

Executive chef

> "They also charged me for a business transaction when it was not one"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7158079)

AP

Alissa P.

agent

> "Payment processing is fast, and it’s convenient for everyday transactions."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7125848)

AM

Annie M.

Physician Assistant

> "The only thing I don't like about Venmo is that the payments are not instant (unless you pay extra), but honestly it doesn't really bother me and I..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7056541)

GA

George A.

Owner

> "Searching users is quick and the process of making payments as well as receiving payments is quick."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7053405)

AF

Alicia F.

Owner

> "I don't like how your payments can be made public, each time to ensure your own privacy you have to change the setting from public to private."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6571985)

JP

Jabbara P.

Owner

> "It's a great alternative when my customers and clients don't use paypal."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7164124)

MM

Madison M.

Speech Language Pathology Assistant

> "One, I do not like how you can not use the balance in your Venmo account unless what you are sending is less than the current balance."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6802796)

JB

Julianne B.

office

> "Venmo is an easy way to pay and receive payments with family and friends and small business! "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7170762)

KK

Kennedy K.

Four Oaks Farm Staff Assistant

> "The only downside to venmo is if you need the money instantly it takes quite a bit of money for a transfer fee."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6680209)

KC

Kimberlee C.

Supervisor

> "I enjoy using it to send my son money when he needs it. And it is immediately available to him."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7050167)

VR

Verified Reviewer

sole proprieter

> "I called customer service and spent 1/2 hour on the phone with them adding a debit card and the payments were still declined."

[See full review](https://www.capterra.com/p/222572/Venmo-/#GetApp___6488499)

DG

Debra G.

Sales manager

> "Good for collecting payments and customer service is good experience"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7077895)

KM

Kristen M.

Owner

> "I can say the only thing that I didn't like about venmo was the fact that certain cards weren't allowed like let's say I have a MasterCard and I want..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6780701)

SW

Sarah W.

Owner

> "I don't ever have any bugs or issues with my card/the website."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7173577)

SN

Susan N.

Owner

> "I have given them my drivers license, passport, picture of the house number on my house, food stamp card, medical marijuana government ID card, Social..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___4905875)

HG

Helder G.

Owner

> "I can send and receive money to my friends easily and also collect payments in my small business"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6775251)

JS

Julissa S.

Administration

> "I don’t like being charged for express transfers."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7099461)

VR

Verified Reviewer

Notary public and controller

> "It’s easy to navigate and figure out how to use and you also have the ability to link your bank accounts or debit cards to it."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6876655)

SG

Sausha G.

Barista

> "That my account was over drafted for something I already paid for i had money in my account when paid for item now my account is incollections"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6568187)

JC

Jesse C.

Massage Therapist

> "I like that you can easily provide your personal QR code for customers to link to and pay you."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6524228)

BL

Blake L.

graphic designer

> "However it has some drawbacks including security risks, potential privacy issues and fee structures."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6811276)

BH

Brianna H.

Front Office

> "I love how easy and fast it is to transfer money over to someone else or if someone gives me money and I can transfer within seconds to my bank..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6408446)

KJ

Krysta J.

Teacher

> "I don’t like that if I have a balance on there I can’t pay with my card instead of the balance."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6805021)

Nathaniel H.

Process Engineer

> "Almost everyone in my personal life that I deal with has a Venmo account, which makes sending and receiving payments a breeze."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6770812)

LG

Lisa G.

Coach and Consultant

> "I had an experience where I used my debit card and the tip at a restaurant made me go negative in my account. "

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6835723)

SC

Sebastian C.

Information Technology Intern

> "Functionality is good and fleshed out, having all features I need."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7130144)

ND

Nathaniel D.

Speech pathologist

> "The only con to the app is that it has the bitcoin stuff on it and I am not familiar with how that works ."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6716958)

SC

Sebastian C.

Information Technology Intern

> "Customer support was great when bugs and issues arose."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7130144)

BP

Brittany P.

Owner

> "There's nothing I don't like honestly , I mean the security could have been a little better when others hack your account"

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6872759)

JG

Jennifer G.

Librarian

> "My overall experience with venmo has been so great and convienent to be able to pay or receive money fast."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___7100630)

BL

Brandon L.

Head

> "No issues really other than the fact that you or I guess I have had troubles connecting with my paypal which is odd because its integrated to do it."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6498258)

WD

Will D.

Project Accountant

> "I love that I can easily send money to friends or others to conveniently pay for goods and services or split bills."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___6813756)

SN

Susan N.

Owner

> "They tell you that the only department that can release the funds is through an account specialist and you sure can’t talk to them they only go by..."

[See full review](https://www.capterra.com/p/222572/Venmo-/#Capterra___4905875)

[View Reviews](https://www.capterra.com/p/222572/Venmo-/reviews/)

## User interface

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)

4.30 (132)

[Venmo](https://www.capterra.com/p/222572/Venmo-/)

4.73 (9,296)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

ACH Payment Processing

207

Important

Activity Dashboard

150

Important

AI Copilot

120

Important

Heartland Payments+

Top features

14/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#features)

Venmo

9/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/222572/Venmo-/#features)

### Recognition

Heartland Payments+ is recognized as a top-rated tool in 1 Capterra Shortlist reports

Venmo is recognized as a top-rated tool in 4 Capterra Shortlist reports

Best Value Payment ProcessingSoftware (2022) 

### Deployment & support

Heartland Payments+

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Venmo

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

Heartland Payments+

-   By Global Payments
-   Located in United States
-   Founded in 1983

Venmo

-   By PayPal
-   Located in United States
-   Founded in 1998

## Popular Comparisons

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

vs

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4.3

Features

4.6

4.4

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/119791-207944/Heartland-Payment-Processing-vs-PayPal)

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,296)](https://www.capterra.com/p/222572/Venmo-/reviews/)

vs

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Features

4.6

4.7

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[View full comparison](https://www.capterra.com/compare/207944-222572/PayPal-vs-Venmo-)

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

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Contact vendor for pricing

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Features

4.5

4.4

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4.5

[View full comparison](https://www.capterra.com/compare/119791-123889/Heartland-Payment-Processing-vs-Stripe)

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Price

Contact vendor for pricing

4.6

Features

4.5

4.7

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/123889-222572/Stripe-vs-Venmo-)

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

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Contact vendor for pricing

Price

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4.3

Features

4.6

4.4

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/119791-170278/Heartland-Payment-Processing-vs-Square-Payments-Processing)

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,296)](https://www.capterra.com/p/222572/Venmo-/reviews/)

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Price

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4.6

Features

4.6

4.7

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/170278-222572/Square-Payments-Processing-vs-Venmo-)

[Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/)

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Contact vendor for pricing

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$0/month

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Features

4.5

4.4

Ease of Use

4.7

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Contact vendor for pricing

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$0/month

4.6

Features

4.5

4.7

Ease of Use

4.7

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Contact vendor for pricing

Price

$38/month

4.3

Features

4.3

4.4

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/119791-190778/Heartland-Payment-Processing-vs-QuickBooks-Online)

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4.6

Features

4.6

4.7

Ease of Use

4.6

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Price

$25/month

4.3

Features

4.4

4.4

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/119791-221412/Heartland-Payment-Processing-vs-authorizenet)

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,296)](https://www.capterra.com/p/222572/Venmo-/reviews/)

vs

[Shopify](https://www.capterra.com/p/83891/Shopify/)[4.54 (6,698)](https://www.capterra.com/p/83891/Shopify/reviews/)

Contact vendor for pricing

Price

$29/month

4.6

Features

4.4

4.7

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/83891-222572/Shopify-vs-Venmo-)