1. ©2015 Heartland Payment Systems
Card Processing
Solutions

2. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Heartland serves businesses of
all sizes, vested in helping you
achieve your goals.
• We offer payment and payroll
processing as well as enterprise-
quality solutions in security,
technology and marketing
• Honesty, fairness and
transparency are our core values
• We focus on customer
relationships and advocacy
Redefine the Way You Do Business

3. ©2015 Heartland Payment Systems©2015 Heartland Payment Systems
We will help businesses prosper by providing
them with effective solutions in a fair, honest
and transparent manner.
- Bob Carr, Chairman and CEO
• Many business solutions, one source
• Heartland’s innovative technology provides secure and reliable
solutions to help entrepreneurs like you succeed
• Award-winning 24/7 U.S.-based customer service
Why Heartland?
“ ”

4. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Heartland created the Merchant
Bill of Rights to promote fair
credit, debit and prepaid card
processing practices on behalf
of owners of small- to mid-sized
businesses.
We aim to enable business
owners who don't have the
resources of large purchasing
organizations to effectively
manage their costs, determine
which processor best meets
their needs and realize
significant savings.
Merchant Bill of Rights

5. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
We partner with companies in a
range of industries of all sizes and
are recommended by esteemed
associations across the U.S.
Proud of the Company We Keep
Small selection of merchants shown

6. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Merchants buy direct from the
processor and pay the wholesale
interchange rates that are right for
their business. This removes the
middleman and passes the
savings on to you. Heartland’s
fees are fair, honest and fully
disclosed. No surprises.
Eliminate the Middleman
$
$
97.50
$
97.50

7. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Heartland offers full disclosure
into how much you are paying us
and how much goes to the card
brands. This protects you from
arbitrary price increases and
ensures that you receive the full
benefit of cost reductions.
Interchange Plus Pricing—Know Your True Cost
Interchange Plus
Merchant Pays:
• Card Issuer
(Interchange Fee)
• Dues/Assessments
(Visa/MasterCard)
• Transaction Fees
(Visa/MasterCard)
• Heartland
(Processing)
$
97.50

8. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
It’s important to be able to identify
junk fees in your statement. While
not illegal, they may not provide
valued services. Some junk
fees include:
• Quarterly Fees
• Security Fees
• Membership Fees
• Access Fees
• Administrative Fees
• Batch Fees
• Capture Fees
• Global ATL Fees
• Compliance and
Non-Compliance Fees
…and many more
Junk Fees
Merchant Statement
Transaction Summary Batch Details
Membership FeesProcessing Fees
Junk Fees

9. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Optimize cash flow with quick
access to funds. Weekend card
sales are deposited on Monday,
and card sales batched before
8 p.m. EDT on weekdays go to
the bank the next morning.
Faster Cash Deposits
$

10. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
OptBlue makes it more
convenient for merchants to
accept American Express cards—
expanding the AMEX network
among small businesses.
• Speed of pay consistent with
other card brands
• Simplified reconciliation for all
card transactions
• Dedicated Heartland customer
service contact
AMEX OptBlue

11. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
EMV is a standard for payment
cards and acceptance devices.
Used throughout the world
successfully for years, this
technology combats fraud.
In October 2015, liability will shift
to the party using the least secure
technology. If you do not have an
EMV-ready terminal, you could
be accountable.
EMV and the Liability Shift

12. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Heartland Secure: Three Powerful Technologies
TT
SECURE
EMV, end-to-end encryption and tokenization
work together to provide merchants with the
highest level of data protection.
EMV chip card technology
improves security by providing
card authentication
End-to-end encryption removes
card data from the merchant’s
network, eliminating data from
being monetized
Tokenization replaces card data
with a “token” making it
unusable to cybercriminals

13. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
We demonstrate our commitment
to card data security by offering
an unprecedented breach
warranty to all business owners
who are Heartland SecureTM and
employing Heartland Secure-
certified devices—for as long as
they're processing with us, at no
additional cost.
Heartland Secure: Breach Warranty

14. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Don’t limit yourself to accepting
only certain types of payment.
Heartland is flexible on its
payment acceptance methods.
• Apple Pay
• PayPal
• Terminal POS
• Mobile Card Reader
• Recurring payments
Ways of Acceptance

15. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Start accepting credit cards
online today with SecureSubmit—
Heartland’s safe, transparent
solution designed to increase
shopper conversions, encourage
repeat purchases and minimize
the total cost of payment
acceptance.
If you need a turn-key website
for your business, Heartland
provides tools to add and manage
everything from the domain name
and online shopping cart to
search engine support and
QuickBooks integration.
e-Commerce Solutions

16. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Turn any PC into a secure
payment processing terminal.
• Allows a merchant to connect an
EMV terminal seamlessly to a PC
or laptop
• Provides an inexpensive way to
accept payments and can be
used to process card-present and
card-not-present transactions
Virtual Terminal
or or
EMV
Terminal
Connect a terminal to
your PC and start
accepting payments
quickly and...
securely!

17. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Never miss a batch again.
InfoCentral is a one-stop
shop for all reporting needs.
This online tool provides:
• Statements
• Batch information/transactional
data
• Funds detail
• Allocation (interchange and fees)
• Mobile alerts
• Text notifications
• Reporting on all devices
…at no additional cost,
all in real time.
InfoCentral

18. ©2015 Heartland Payment Systems
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©2015 Heartland Payment Systems
Many Business Solutions, One Source
Payment ProcessingPayroll and HR Lending Heartland Commerce