Heartland Reviews 

I would give zero if I could !
I have no account with Heartland
But they have illegally withdrawn over $5000 from our business bank account.
It was transacted through a company
MODUS POS
That we originally bought a POS system from 10 years ago!!
It is being investigated by our bank . I am in process of filing a police report.
Heartland has zero customer service .
They transfer you to the Philippines
And not a soul can help.
Fraudulent practices and larceny seem to be a policy they go by.
They claim to have no ability to track charges .
They are now blocked but again attempted to take over $1100 from our business account AGAIN !!
There is a warm place in hell for these leeches …..

Run from this company... dont walk

Heartland, which includes Heartland Payroll as part of its operation, which has entered into a relationship with Auris, has some notable and frustrating customer service challenges. When Auris took over they did not port my account. I needed access to my account and had to call their customer service line to regain access. I waited more than 30 minutes on hold without an agent coming on the line. This is completely unacceptable customer service-- or lack of service. I will never do business again with this company if they can't hire enough people to adequately service customer needs.

Criminal behaviour. By the time I realized my aging husband was not paying enough attention to their fees, the effective rate had crept up to 22%. They refused to do anything about it.

Criminal thieves. Overcharges. Increased rates. No response from customer service. Cancelled service and still charged.

I cannot believe how criminal Heartland/Global payments is. We signed an agreement at 2.3% credit card processing. They have raised it to almost 6% now without a word. Never any issues with us, our bank, or our clients. We are a small business and it's now sucking an extra $3,000+ a month from our bottom line. Charging an extra $40,000 a year. My god what I could do with that extra money. It would pay for a huge marketing campaign or a couple of part time jobs for college students at our nearby university. I am so beyond disgusted by this shady business dealings. Maybe we should get together and get a Class Action lawsuit going. It's probably something that would get their attention.

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.