Heartland Reviews 33

I have been with Heartland/Global Payments for several years. In November 2025 they increased my rates with no direct notification. I only found out during an audit months later. When I did the audit I discovered I was being charged between 8-9% in total fees, which was way above what I had agreed to. They were also charging fees on a third account I never authorized, opened at an address I had not used in years, with zero transactions ever processed.
Getting anyone to help was a nightmare. I was passed between multiple reps with contradictory information every time.
On top of this, my business has been experiencing a transaction decline rate well above industry norms for months. Real customers with valid cards confirmed by their own banks are being declined. The issue has been confirmed to be on Heartland's side and after weeks of calls and promises nothing has been fixed.
If you are considering this company, read every line of your statement every single month. They will change your rates without telling you and if something goes wrong, be prepared to fight for weeks to get anyone to take action.
I would not recommend them to anyone.

This company is such a scam. Their support sucks and they kept raising our processing rates. We used them for a year and had nothing but problems.
Buyer beware!

I've used Heartland for over 10/15 years now. I used to have a good representative and support. Last 5 + years, all we received is higher merchant costs, higher cc costs, UNSUPPORTIVE REP. ( left two voicemails and emails) - NO RESPONSE. I've tried working with them, calling them, spending hours on the phone to streamline our process and reduce fees, or learn of new ways to be more efficient. I asked to speak to a manager, and I was told, NO ONE is available; they can not help. Until I said, I'm closing one of my accounts. Poor customer support means no business; it's simple. I would not recommend them.
Update: I received a call yesterday. February 3. They offered steep discount fee, with one year 'committment contract"- what they didn't offer is an explanation on how one of our accounts was being penalized for non-compliance fees for years, although They failed to connect both accounts, and even though we were filing compliance reports ahead of time, they were still charging us fees. When asked about a refund, they offered 3 months - nevermind years, they charged penalties. One rep told me that 'management' can offer a refund of the annual compliance fee for a closed account; the one yesterday said that's not possible. adding more salt to the open wound. Once again, I tried working with them on an amicable and fair solution, to no avail. Inconsistent and completely false statements. They have more 'junk fees' than others and, unfortunately, will lose more business if they continue this path. Would not recommend them, and before you decide to continue to do business, try comparing interchange, network fees, and effective processing fees, or simply your pricing model.

Very poor communication, false advertising, you name it. Austin from Heartland payments was very unprofessional. They tried to get me to switch from Chase who I have been processing with for 5+ years with false advertising and gimmicks. Luckily found them out before the switch.

Heartland jacked up my processing fees over time by 3X this year to 13%!!! As a high-volume business, this added up to an 500k in extra charges. Don't use this company at all. I literally had the CEO of another processor tell me they have never seen something this egregious. I am currently working with a lawyer and going to report them to the California Department of Financial Protection & Innovation. Stay away!!

This Company is the worst!! We signed an agreement with them to do a flat per transaction fee and no monthly fees. The sales rep sold it to us as that, we made sure no monthly fees were in the contract and then signed. When the company put the account into their system they added over $100.00 a month in fees and will not correct the problem. They are the worst stay away. We are a brand new start up company without even $1000 in sales and they have taken us for over 400.00 in the last 4 months. This last month we told them to cancel our service but they did not and just to add more insult to us they took another $153.00 out of our account. We are reporting them everywhere we can.

I wouldnt reccommend this pos company. They will advise you you have 3 months left when YOU ask. They wont provide you any information unless you ask.Ive been paying on a 12x14 shed for over almost 5 years. Ive been paying $354 a month. When gvt shutdown I was behind on payments when I checked with them they told me I had 3.5 payments left when shutdown opened a month later I called to make a payment(I made 2 payments) was advised I STILL have 3.5 payments left. That woman gone say you paid the rental payments not the payments of the storage. I be glad when I finish I made enough payments for a new house.

I don't recommend heartland pos. Not good for small bussines , they don't follow the contract rules, always different fees by the end of the month.

Heartland is just awful. I am a member of Navy Federal Credit Union and am a veteran. I decided to use this service at the recommendation of NFCU. What a mistake. My contact, Brian, who is supposed to be my point of contact for everything is impossible to reach. They never helped me get the system running properly, and 2 months in I look at my bank account and discover they are charging me a monthly fee of $255!!! There was no discussion about that. Since I can't get Brian to respond, I just call the main Heartland number, get someone with a thick Indian accent who tells me they would be happy to cancel my service. All I have to do is pay a $300 fee. What the actual F?!?!? This company is a total scam. If you see their name pop up, RUN!!!

And look at that. Their response is a canned auto reply. They don't even care. It was probably AI generated.

Heartland’s billing practices are very unethical. The technology is very out of date yet you get charged “infrastructure” and “technology” fees to the tune of $1,000-$1,500/year. As a small business, you should avoid this company. I don’t understand how they are still in business.

As a small business owner looking to add the ability to accept credit card payments, I thought Heartland would help me grow. I advised the sales rep that I current only do about $5,000 a year in sales since this is only a weekend thing. I was led to believe that the "$200 a month fee credit" ment that this charge was waived due to my business size. That was not the case. No matter how much or how little I do in a month I got charged that $200. What sense does it make to use them if 20%-40% of what I make is a fee.
Customer service does not appear to be based in the US, and no one who helps has a clue on how to help and must always seek assistance from a manager. The device they shipped to take payments could never connect with my Galaxy S25. Then to add insult to injury the hit me with a $500 early termination fee. If you sign with them they get you for 3 years, which is also in the fine print. No matter how bad customer service is, how shady the sales tactic, or how little you use them, they charge you. Stay away from this company, they are not small business friendly, you are just a fee machine to them.

Update- It has been two weeks since they "forwarded my complaint to the Customer Care Team" based off of this review ,and I still have not received a reply from them. They just post mandatory replies once you leave a review then move on. Worst experience I have ever had with a so-called business.

I have been a customer of Heartland for over 10 years. I own one company but had to have a virtual terminal MID account and another MID account for our website. I was told there was no way to use one account. Fine. Starting last November, the per account fees started. $500, then April 2025, $495, then October 2025 $450. Multiply those times 2 for one business and thats $2,890 for one business on top of the normal card fees. We are canceling our accounts. This once was a good company but no longer. No customer service and high fees. Highly Unrecommended.

Long-time customer — deeply disappointed by billing and service issues.
I was a Heartland customer for more than 10 years, operating two companies that used both their payroll and merchant services. One of my businesses closed in October 2024, and I properly cancelled both payroll and credit-card processing. Despite that, Heartland continued billing me for over $300 per month for nearly a year — even though I never processed a single transaction after the closure.

When I brought this to their attention and provided proof the company had closed, Heartland refused to take responsibility or issue reimbursement. To make matters worse, while cancelling my second account they charged me a $500 “prepayment penalty” — after more than a decade of loyalty and spotless history.

I used to recommend Heartland over cheaper alternatives like Square or PayPal, but my experience has completely changed that view. Their customer service is unhelpful, their billing practices unfair, and their loyalty to long-term clients nonexistent.

My advice: avoid Heartland at all costs. There are many other providers who will treat your business with integrity.

They refused to provide payment services because I sell firearms.

My kids school using this pathetic service that charges a FEE to add funds to a child's lunch money account. Not only that, they CAP the maximum amount of funds at $120. So, instead of permitting the family to fund the entire year of lunch money, in one deposit, with one fee, they force parents to continually deposit money throughout the school year, in smaller amounts, at $2.75 fee each deposit, ensuring themselves a good deal of fees. That is 100% BS and should be outlawed.

Response to heartland: Thank you for that unoriginal response. You know, one has to wonder if the fees your charge us parents are contributing to the reported annual revenue of $3.1 billion in 2025 or perhaps you are still trying to recover the total monetary loss exceeding $200 million for when you were hacked in 2008, when cybercriminals accessed your payment processing systems and stole sensitive financial data from approximately 100 million customers credit/debit cards. Who knows.

All I know is that "fee" hits us parents very hard and when I talk to others about your company there is NEVER anything good to be said, just like the average reviews here. If removing the fee is detrimental to your business operations then that is very sad. Passing a fee onto the customer is a CHOICE you made. If the small local pizzeria in my town can operate without charging customers a "fee" then you can, too.

I believe it is time for our school to choose another payment system and I will help them find one.

Heartland will get you in with 4% and effectively change to 8% over time. With no notice. Their customer service is overseas and will not be helpful when it comes to billing.

WORST PAYROLL SOFTWARE OF ALL TIME.

User Interface is very difficult to navigate, reporting doesnt work, and integrations are useless.

For any business in HAWAII stay away from Heartland POS. They will not help resolve issues and when you go to cancel will charge you an early cancellation fee of 4k.
We had reached out several times to Heartland was told that I would have to talk to our sales representative. But because our sale representative left the company due to not getting paid from Heartland. We asked for another sales rep and none was assigned.... MONTHS went by leaving us to deal with ISSUES with the POS on top of their HIGH FEES. So we finally cancelled due to NO SERVICE and then got automatically changed a fee. NO ALOHA FOR HAWAII BUSINESSES STAY AWAY FROM HEARTLAND!!!

If you use Heartland global payment solutions, be prepared to have your money held for 31 days at a time until you thoroughly explain what the money was given to you for, you must be extremely specific and give more details than the IRS asks for. You must give them your customer's private information, (your customers address, phone number, their banking details, etc) you must prove what every detail of what the money was for, whether this was the first time this customer has used your business, if not, how many times have they used your business before and what was each other time for? They want to know if your business is run of your home or an office. If you do any emailing or editing any of any documents for your business on your cell phone rather than a computer, you must explain why. If any of your business is run using a laptop rather than a desktop computer, be prepared to explain that as well. I lost a huge job and I lost a customer who was going to give me a lot of future work because Heartland delayed the payment for so long. They took the customers money, but they wouldn't give it to me so that I could purchase what the customer purchased from me. They did not care to help me either. They wouldn't get back to me and I had to make several calls and emails to several higher-ups at Heartland before anyone finally got back with me, which did me no good in the long run. After a week of this drama all day every day, I had to cancel the customer's payment, reverse the charges and give their money back and they went with someone else, because at that point, I looked like a joke to them. They thought I was scamming them! I now firmly believe Heartman is a scam. They take the money from your customer and they keep it.

This has to be the worst managed company ever. They can't tell you who you need to talk to and when you get a contract they never return your calls. Hit you with many fees and "technology upgrades". Been trying to get them to stop billing 2 months after our business closed. They changed us for over a year fo equipment we didn't even have. This is just some of the issues we had with them. DO NO DO BUSINESS WITH THEM.