Heartland Payment Systems, LLC (Heartland) has over 34 years of experience in the Petro/C-Store Space.  Processing 4 billion credit and debit card transactions and $120 billion in volume annually, Heartland is one of the largest payment processors in the United States.  

Heartland offers best-in-class solutions.  By operating their proprietary data center, Heartland is able to offer benefits that include: 

• Lower costs to you—by leveraging their own technology investment.
• Credit cards will be processed at a transaction fee of $.045 plus interchange pass-through.
• Pin debit will be processed at a transaction fee of $.045 plus interchange pass-through.
• Security—their platform has passed an independent verification process validating compliance with Visa requirements for data security.
• Reliability—they maintain a complete backup processing facility in a separate location to ensure continuous transaction processing for customers around the clock.

The Heartland boarding process consists of a 1-page form to be completed by the dealer.

Other benefits to Heartland’s services include:

• simplified statements
• all cards are paid at the same time, including Wright Express (within 48 hours)
• no micronode required
• a 24/7 petroleum only Help Desk with calls typically answered in 6 seconds or less
• an outstanding on-line reporting portal called Info Central
• zip code prompting at no additional cost

PCI Compliance assistance is also available, using a company called Control Scan.           

• $8.50/month (compared to $19.95/month)
• SAQ assistance is included in the fee
• provides a $100,000 breach warranty