# Page 4 | Heartland Payments+ Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 4 - Is Heartland Payments+ the right Payment Processing solution for you? Explore 132 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews --- Heartland Payments+ 4.3 (132) [View alternatives](https://www.capterra.com/p/119791/Heartland-Payment-Processing/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Page 4 - Reviews of Heartland Payments+ ## Showing most helpful reviews Showing 76-100 of 132 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use CO Charles O. Owner Marketing and Advertising Used the software for: 2+ years ### "Beware of Heartland" July 17, 2023 1.0 I have to rate my experience with Heartland as very, very poor at this point. I moved away from them to Beyond and was able to cut my credit card processing costs in just about half. Pros When I used to have a rep that I could easily contact and he would find help I needed. Cons Heartland started lopping fees on us over the years. Their support has failed to provide me with a customer file as I was promised I would be able to get. 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 defrauded us. Alternatives considered [authorize.net](https://www.capterra.com/p/221412/authorizenet/) Reason for choosing Heartland Payments+ I chose Heartland only because I knew the Heartland rep. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) I switched to get better rates at the time, over 15 years ago. I've watched the bill only go up since then. Review Source DB Denise B. Owner Sporting Goods Used the software for: 6-12 months ### "Heartland's systems are from the stone ages" January 12, 2023 1.0 Horrible. 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 logged in to my statements website it was a totally different business and the person on the phone could not figure it out. So I requested paper statements to be mailed and that was $20 more a month. Then I requested the person to email me a statement and he had to put me on hold to get approval to email the statements. Mind you they could not get me into my portal to receive statements! Their error. So frustrating to deal with. I run a small store with a website and they did not provide good service so I cancelled. I asked them to not charge me all of my cancellation fees since their service has been so bad, they refused. All they care about is your money! Pros I did not like anything about this software. They are horrible. Cons The online credit card processing allowed a lot of fraud payments thru. 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 deal with them. For each area of information... refunds, statement, charges, there are different logins. I had 4 different log ins by the time I cancelled and paid the cancellation fees (which they quoted me $200 then said they will probably charge me more). This system is old and they are not doing the proper protocol to fix it. I would I highly recommend going with anyone else besides them. We switched to swipe and have not had one charge back. Reason for choosing Heartland Payments+ It was more affordable Review Source Ashley E K. Sales Manager Hospitality Used the software for: 2+ years ### "The most secure product for processing order payments." June 10, 2024 5.0 Since we started using Heartland Payment Processing, we have be able to process all order payments smoothly and fast whether online or physically. The experience has been outstanding just to say the least. Pros The online payment function that allows us to accept payments for online orders. Superior security features that safeguard our transactions from fraud and money laundering. It makes payment processing very fast. Spot on payment reports that makes it easy to monitor sales. Cons There has been no problem at with Heartland Payment Processing. All features are very efficient. Review Source Response from Global Payments June 17, 2024 Hi Ashley, thank you for taking the time to leave us this positive review! We're so glad to see our payments solutions have been convenient and easy to use for your business, especially online payments. We look forward to our continued partnership! FG Francesca G. ICT Director Information Technology and Services Used the software for: 1-2 years ### "Detailed and Secure Payment Option " April 25, 2024 5.0 Pros Heartland Payment is accurate in processing credit cards, and it is instant in solving many security challenges. Cons Heartland Payment is vibrant and dynamic, where it brings no payment challenge. Review Source Response from Global Payments April 26, 2024 Hi Francesca, thank you for the 5-star review! We strive to make payments as smooth and hassle-free as possible, and it's rewarding to see this reflected in your business with us. It’s our mission to provide reliable and efficient service, and your feedback confirms we’re on the right track. We truly appreciate your trust in us and look forward to continuing to serve your payment needs. CB Chase B. Owner Hospitality Used the software for: Less than 6 months ### "Company error, falsely added to TMF "blacklist, can't get merchant services, Beware!!!" October 18, 2023 1.0 Absolutely terrible from start to finish, hopefully Capterra will help me rectify the damage they have caused us. They don't care at all about the customer experience, maybe they care about their online reputation. I even tried to apply for merchant services with them to trigger an update on our account, and they won't even respond. Pros Negative and costly experience all around. Permanently damaged our business. They refuse to explain anything at all about blocking my business on the TMF list, thus damaging our ability to apply for any merchant services. Cons Zero follow through during the aggressive sales attempt, poor documentation processing, no support. They "blackballed" our company and no one has any information whatsoever, and no training on how to direct us. Hours and hours invested on phone and email with zero progress toward understanding how this happened. This is FRAUD and they should be required legally to explain and justify their mistakes. Reason for choosing Heartland Payments+ I would never choose them and I will tell every entrepreneur to never use Heartland at any and every chance I get. Maybe you should consider your customers and communicate as a company. Your companies results are that businesses are so damaged beyond repair and we are willing to invest time into negative reviews. Review Source PR Patricia R. Accounting Manager Furniture Used the software for: 2+ years ### "Lack of customer service, support, knowledge " September 12, 2022 1.0 I can't get my questions answered!! No one has a clue, but we are paying a expensive fee. The sales rep sold me on a platform which was supposed to be better and cheaper, but I am a firmly believe he opened a new account to make a sale for himself. It was almost exactly the same and more expensive!! When asked for a refund, heartland was unable to do it. Pros The software is easy to use, but I am so frustrated that I am not likely anything from heartland. Heartland support, the software is outsourced. Heartland employees will send you NMI employees and gateway support. What does Heartland payment processing platform cover?? Cons Heartland support, the software is outsourced. Heartland employees will send you NMI employees and gateway support. What does Heartland payment processing platform cover?? I called today and i was on the phone for 1 hour, I called heartland, heartland nmi, they told me to call heartland gateway, they told me to go back to heartland nmi. I just needed to reset a password. So confusing of who to talk to or call. Review Source JW Jenny W. Owner Facilities Services Used the software for: 1-2 years ### "Great Company" June 25, 2024 5.0 Pros Ease of use and overall great customer service! Cons There isn't anything that I've found negative about this company. Review Source Response from Global Payments June 28, 2024 Hi Jenny, thank you so much for taking the time to leave us this positive review! We’re so glad to hear you’ve had a great experience with Heartland and we’re very excited for our continued partnership. AD Annah D. Sales Manager Transportation/Trucking/Railroad Used the software for: 1-2 years ### "Universally Acceptable Payment Solution " April 30, 2024 5.0 Pros Heartland Payment is convenient and easy to run or execute in matters payment management. Cons Heartland Payment has coordinated all the payment requirements for companies. Review Source Response from Global Payments May 2, 2024 Hi there. Thank you for taking the time to leave us this positive review! We're so glad to see our payments solutions have been convenient and easy to use for your business. We look forward to our continued partnership! NM Neal M. President Retail Used the software for: 2+ years ### "Beware of what they say and what you receive" October 18, 2023 1.0 When we started Heartland worked fine compared to our old processing company. Then I found out I could get a much cheaper alternative. I tried to change companies but was told my salespersonlocked me into a contract. This was the one stipulation I insisted on when I signed the contract which was done on a tablet. I was assured I could cancel at anytime. Now I find out he didn't tell the truth.BEWARE OF THIS COMPANY Pros It served the purpose at first but I found a cheaper option and Heartland doesn't honor their contract. Cons The service and the cost are below par. Don't sign up with this company. Review Source TV Theodore V. owner Restaurants Used the software for: 1-2 years ### "The Buttered Biscuit Waynesville NC" February 14, 2023 4.0 It will break a mom and pop restaurant with the fees of processing and a unusable system. Pros When working the terminal was easy to use. Cons Third party contractor Retail systems inc. could not keep system running to save their lives. Review Source Rachel B. CEO I Founder Used the software for: 2+ years ### "One of the best in class for this service " June 19, 2018 5.0 Pros I am not sure anyone can beat Heartland Payment Systems. We moved between processing companies 4 times over 5 years and as a consultant for other hospitality businesses I still recommend them ahead of all else. From the reps, to the service, ease of use, low processing rates and an incredible company that stands behind it all. This is a brand you can trust and service you can count on. Cons There are no cons with Heartland unless you can't find a rep in your local area. Then I say, work with them anyway, they are worth it and you will be treated like family no matter what. Review Source JD G. Controller Automotive Used the software for: 2+ years ### "Good Credit Card Processor" September 12, 2018 4.0 Heartland does exactly what they've said they were going to do. They allow us to take credit cards and they pay us the very next day. Pros They do what I need them to do and I have had no issues in the last 2.5 years we've been with them. They also have stellar customer service. Every time I call, I get someone who is very pleasant and helpful, which is difficult to get with most companies. Cons Their website looks beautiful but it can be difficult to use and VERY slow to load. Also, their pricing is beyond convoluted so I have no idea what I'm paying for, but I do sense my rates rising. Review Source SM Sameer M. Senior Manager Health, Wellness and Fitness Used the software for: I used a free trial ### "It is functional but slightly overpriced for the product. Support from tech and customer service is lacking." June 14, 2024 4.0 It spares us from having to interact with one another by enabling us to securely collect payments from our clients over the phone. Pros It has always been reliable and easy to use. It is also better since it enables you to securely store patient’s regular card numbers, thereby simplifying things for both the patient and the clinic. Cons The only aspect of Heartland Payment that I find annoying is that if the security code changes after a card expires, you have to re-add the entire card. Only the name, address, and expiration date can be edited on this website. Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Review Source Response from Global Payments June 20, 2024 Hi Sameer, thanks for your thorough feedback. We’re glad to hear our Payments solutions have been convenient and easy to use. We’re sorry to hear you felt a lack of customer support. We’d like to learn more about your business needs and how we could improve. Please email us at social@heartland.us so we can speak with you directly. TM Tiffany M. Service Writer Automotive Used the software for: 6-12 months ### "Expensive but worth it" August 31, 2022 5.0 I’ve used heartland for a good while and I can say it’s reliable, easy to use and has every tool you’ll need. It’s way too expensive but if you are looking for the best this is it. Pros I struggled to run my business until I had heartland. Heartland makes payroll and tax season so easy I could never go back. Heartland is fast and reliable Cons Super expensive. Is the most expensive payroll company I’ve worked with. Review Source TM Tim M. General Manager Automotive Used the software for: 6-12 months ### "regular user" May 10, 2022 4.0 Overall experience was favorable Pros ease of ACH and recurring billing set up - Cons did not have capability to handle employment taxes in Canada - problem for us as we had a couple of Canadian employees Alternatives considered [ADP Workforce Now](https://www.capterra.com/p/155895/WorkforceNow/) Reason for choosing Heartland Payments+ price point Review Source SC Shawnda C. Front desk and Administration Hospitality Used the software for: 2+ years ### "Easy to use for the user" September 27, 2022 5.0 When we used this on the Front desk, it always seemed to work just fine. In our restaurant, it would have a day here and there, but customer support was always effective at doing what they could as fast as they could, regardless of whether it seemed fast enough on our end. When this system works, you forget that it's there almost, it's that straight forward to use once it's set up. (I wasn't there when it was set up.) Pros It was always easy to use, and if it wasn't working, the Customer Support was thorough. Cons I didn't use it enough to have any complaints, really. Other than it wouldn't work sometimes, but that happens to anything. Review Source AJ Aliya J. Store manager Food Production Used the software for: Less than 6 months ### "I don’t recommend heartland " August 4, 2022 2.0 I don’t recommend heartland. Everyone in my company had a difficult Time using it and it wasn’t given to us as advertised. Pros Heartland was easy to use when it came to general use. Which made it easy to train employees. Cons Very slow processing time, extremely difficult troubleshooting, many mess ups during peak business. Switched from [Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Price Review Source JC Joe C. IT Retail Used the software for: 2+ years ### "Heartland Payment Services " April 7, 2023 5.0 Pros Integration into Point of Sale system and Web Portal. Cons Sometimes we don’t understand bills and charges. Reason for choosing Heartland Payments+ Ease of integration. Review Source WD Will D. Owner Hospital & Health Care Used the software for: Less than 6 months ### "RUN AWAY. Terrible" April 11, 2024 1.0 Dreadful. Don't walk, RUN! Customer service is terrible and the system is equally disastrous. Pros nothing. Was promised the moon but system barely functions, customer service hangs up and won't call you back, start up team didn't even set up portal. Cons Customer service, glitches, does not function as sold. Review Source Response from Global Payments April 17, 2024 Hi Will, it’s important to us that we get things right so we’d like to learn more about your experience and how we can make things better. Please email your contact details to social@heartland.us, so we can get in touch with you directly to make sure your concerns are addressed personally. We are truly sorry for the inconveniences you’ve experienced. Your feedback is crucial in helping us improve. BA Barbara A. partner Apparel & Fashion Used the software for: 2+ years ### "Poor Customer Service" October 12, 2021 3.0 Pros As long as we were using the point of sale system, we were very happy. Cancelling our service was a nightmare. Cons We were charged for 3 months after attempting to stop our service. After speaking to Customer Support \[SENSITIVE CONTENT\] I was told that I would receive a call or email within 3 - 5 days from the client-management team about a refund. After 7 days of no contact, I called back and had to insist on speaking to a client manager. I finally spoke to \[SENSITIVE CONTENT\], a Client Manager, who said that there was nothing he could do to reclaim the fees charged to us. Very poor client service. Review Source VR Verified Reviewer Leasing Professional Real Estate Used the software for: 2+ years ### "I use Heartland in my daily work with and it makes it very easy to process payments pretty quickly." February 7, 2018 5.0 Pros Heartland is easy to use, works qyuckly and accessing previously run payments and reciepts are very easy. Cons I wish Heartland connected to the other software we use, to make it easier for our accounting department and agents. If the system connected to yardi and the information was inputted automatically it would save us a lot of time. Review Source VR Verified Reviewer Owner Used the software for: 2+ years ### "Good secure payment processing" January 11, 2018 5.0 This software allowed us to process all kinds of credit cards in a retail setting. So many people buy with credit that it really is a necessity. Pros Solid company and software. They worked with us on getting it working using our particular setup. Never have a worry about equipment or software working. Costs are about the same as other payment processing I've used. Customer support is the most helpful and would even come around in person when I asked them to. They also were willing to go out of their way to help me get out of another company's contract to get back with them. Cons It may have been an add-on, but we were never able to load, check balances or redeem gift cards with our version. Review Source VR Verified Reviewer Client Success Advisors Computer Software Used the software for: 2+ years ### "Heartland Review" April 12, 2019 5.0 Heartland was great for a payroll company. It provided many details, notifications, and great tools. Pros Heartland is amazing! We have used this since we have started our company! As an employee, I love being able to go on and see what I will be paid on payday. I have the ability to look back on previous checks and check my hours, also, when it has been deposited into my account, I am notified. Cons One issue we had with Heartland was that whenever employees wanted to make changes on their account, they needed to go through the administratr and that was not always an easy task. Review Source BS Beth S. President Veterinary Used the software for: 2+ years ### "Rip off" October 21, 2023 1.0 Pros Typical Credit Card processesers. Lining theit pocket while small business pays. Cons Heartland does not take care of their customers. Stay away from Heartland! They will rip you off! Reason for choosing Heartland Payments+ Bwcause mt friend was the rep. Big mistake! Review Source KK Kris K. CEO Consumer Services Used the software for: 2+ years ### "Heartland is easy to use, transparent, and has lower fees" November 20, 2020 5.0 It's easy. I don't have that nagging feeling that I am being ripped off because of hidden fees because there aren't any. Pros The customer service is amazing! The people are so friendly and helpful when you need help. The software is very easy to use. You see everything! There aren't hidden fees or fees that are impossible to figure out and the fees are lower than others. Cons It doesn't seem to be set up for automatic payments or maybe it is, but I haven't figured it out yet. It's the one area where customer service wasn't able to help me. Reason for choosing Heartland Payments+ It's less expensive, the customer service is so much better, and I can see all of the costs and fees. Switched from [QuickBooks Money](https://www.capterra.com/p/170065/QuickBooks-Money/) Because Quickbooks was so expensive and difficult to use. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.