Heartland review (2026): features, pros and cons, pricing
Payment processor owned by Global Payments that also sells restaurant and retail POS systems.
Verdict at a glance
Heartland is a payment processor owned by Global Payments that also sells restaurant and retail POS systems. It suits merchants who want POS and processing from one provider, and pricing is quote based.
Pros
- A G2 reviewer liked seeing processed transactions easily.
Cons
- Customer service issues in Payments+ reviews.
- Low G2 score for the POS product on very few reviews.
What is Heartland?
Payment processor owned by Global Payments that also sells restaurant and retail POS systems. It is built for merchants who want POS and processing from one provider and restaurants and retailers already using Heartland processing. Heartland was founded in 1997 and is based in Princeton, NJ historically (Wikipedia infobox lists Oklahoma City).
Category: POS Systems
Heartland key features
| Feature | What we found |
|---|---|
| Payment processing terms | Integrated Heartland processing with end-to-end encryption and tokenization (Wikipedia) |
| Online and omnichannel sales | ECommerce offered (Wikipedia) |
| Industry features | Restaurant and retail POS products. |
Heartland pricing
Heartland does not publish pricing. The starting price is listed as contact sales, and pricing is quote based. Because Heartland is a processor first, the POS is tied to its payment processing, so the quote effectively covers both. Plans, per-seat or per-device rates, add-ons, billing terms and renewal terms are not published. To compare it fairly, ask for the processing rates, hardware and software fees and contract length separately, and check what happens to the POS if you leave the processing relationship.
Heartland does not publish a price list. Pricing is quoted on request.
Pricing is not published by the vendor.
Who Heartland is best for
Best for
- Merchants who want POS and processing from one provider.
- Restaurants and retailers already using Heartland processing.
Not ideal for
- Buyers who want to pick a processor independently.
- Buyers who need public, transparent pricing.
Heartland alternatives
ToastRestaurants, bars and cafes needing table service, kitchen display and online ordering.
Square POSSingle-shop retailers and service businesses that want to start at $0 software.
CloverSmall restaurants and retailers wanting bundled hardware plus software.
LightspeedMulti-category retailers needing deeper inventory and reporting.
Epos NowSmall retail and hospitality shops wanting bundled hardware.
Revel SystemsExisting Revel restaurant operators already on the platform.
What Heartland really costs
Heartland publishes no price list, so the real cost depends on the quote. Use the questions below to turn a sales conversation into a number you can compare.
Questions to ask about price
- What is the price per user or per unit, and what is the pricing basis (seats, employees, usage)?
- Is there a minimum number of seats or a minimum annual spend?
- What is the discount for annual billing, and can we start monthly?
- Which features we need sit in add-ons or a higher plan, and what do they cost?
- How much can the price rise at renewal, and is the increase capped in the contract?
- Are there one-time costs for implementation, onboarding or data migration?
Is Heartland worth the price?
Heartland is worth a quote for merchants who want POS and processing from one provider, and for restaurants and retailers already using Heartland processing. It is a poor fit for buyers who want to pick a processor independently, or who need public, transparent pricing, since neither is available here. Ask for a written quote before comparing it with other POS options.
Worth it if
- Merchants who want POS and processing from one provider.
- Restaurants and retailers already using Heartland processing.
Look elsewhere if
- Buyers who want to pick a processor independently.
- Buyers who need public, transparent pricing.
Pricing details most reviews leave out
- Heartland is a processor first, so its POS is tied to its processing.
- G2 lists separate Heartland products with different scores: POS 3.1 (5 reviews), pcAmerica 4.5 (10), Payments+ 4.2 (13)
- Heartland Retail is the renamed Springboard Retail, acquired by Global Payments in 2020.
Our verdict on Heartland
Heartland is a payment processor owned by Global Payments that also sells restaurant and retail POS systems. It publishes no prices, so there is no list price to judge value by. Pricing is quote based, with no free plan, no free trial and no stated contract terms. It is owned by Global Payments, so expect a sales-led process rather than a self-serve checkout.
The structural point matters for cost: Heartland is a processor first, so its POS is tied to its processing. That means your real cost is a mix of software and processing terms that you cannot compare until you see a written quote. Public review data is thin, with a 3.1 G2 score on only five reviews for the POS product, so it offers little to anchor a value judgment.
Heartland FAQ
What is Heartland used for?
Heartland is a payment processor owned by Global Payments that also sells restaurant and retail POS systems. It suits merchants who want POS and processing from one provider, and pricing is quote based. It suits merchants who want POS and processing from one provider.
Does Heartland publish its pricing?
No. Pricing is not published by the vendor and the starting price is listed as contact sales. You need a quote that covers both POS and processing.
Does Heartland have a free plan or trial?
No free plan or free trial is listed. Contract terms and renewal terms are also not published.
Why is Heartland hard to price against other POS systems?
It is a processor first, and its POS is tied to its processing. The quote blends software and processing, so compare total cost rather than POS fees alone.
About Heartland
- Founded
- 1997.
- Headquarters
- Princeton, NJ historically (Wikipedia infobox lists Oklahoma City)
- Funding or owner
- Acquired by Global Payments for $4.3B (2016)
Listed in: POS Systems
Sources
Every fact on this page comes from Heartland's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.