Heartland Avis 

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.

I've used Heartland for card processing for over 8 years. Very recently, they sneakily dropped a new $499 "enhancement" fee on my monthly bill. Sometimes I may only process $500/month through them, so I was basically paying my customers to take product. When I tried to call and investigate, I spent hours on hold and no one was ever able to offer me an useful explanation or resolve my issues. There are far more reputable card processing companies out there to use. Stay away from this one.

There are no people that work at this company. There is no support. Their app is terrible and only really useful for clocking in and out. Making any changes to direct deposit or tax forms is next to impossible. The interface is appalling, and there is no way to easily bookmark the login page on a browser because it's such a weird series of redirections. Don't use this company.

Stay as far away from Heartland as you can! All of their sales people are leaving because of their recent business practices. I’m a restaurant owner who was with them until March of 2025. I canceled all of my accounts April 5th, 2025 after they increased my processing fee from .62 to 3.10…an average unit would have fees of around $3500. In March the same store went up to $10,000. They also added a $499 technology fee to every account. My guess is theyre inflating their balance sheet. I’m in discussions with an attorney if anyone wants to join a class action lawsuit!

I agree with and second the many reviews here that mention how they raise rates in a sneaky manner, after they stopped sending statements. Charged way more than promised. We terminated services, but they continue taking (stealing) money from our account. They also sent sales reps to try to sell other services, who actually impersonated customer service people who we thought could help fix problems. Horrible people IMHO. Stay away.

Heartland "analyzed" my credit card transactions and the rep assured me they would save me thousands of dollars if I switched over to them. Instead, my merchant fee percentage went up and that decision cost me thousands. The last straw was when they imposed an annual "infrastructure fee" without warning or approval. I immediately closed the account and moved to another provider. I have requested a refund of the infamous infrastructure fee and have been told they cannot refund it because the account is closed. (Of course, if the account stayed open, they would not have refunded it either). Don't touch this company with a ten foot pole.

Out of contract and raised rates a lot!
Offered very little to rectify the problem and continue to charge fees after I told them I was no longer interested in doing business with them.
I have a NEW company and have no contract with them but they are still taking money from my account.

horrible customer service, no response. Website is not user friendly and cannot locate previous paystubs. Their app has clocked me out on 2 separate days while at work.

Hello All,
I reached out to Heartland Ecsi today in order to find out why my refund had been pending for over 48 hours, and the customer service agent ended the chat after telling me they had no experience in refunds, that I should call the number. I then asked for a different agent and they ended the chat.

So bad and unreliable
I am trying to pay for a parking pass for school and the only payment option is through myschoolbucks.
The order went through but its not showing up on myschoolbucks. why cant I just pay for it on the website? i gotta use this crap instead!

If this is HeartLand ECSI, then in the past they were prompt in service although I had limited communication with them. Today I tried calling them on the phone, the phone call hung up on me as the robot was transferring me to a support agent. After this, I tried to do an online chat with a virtual agent. I sent them messages here and there was no response, just a blank screen. Clearly, their service is terrible and I do not recommend them because it is not convenient, cannot talk with a real human, and the whole interaction is frustrating because they will not even reply through standard email. Two Stars. Crappy and terrible.

This company has some great rates! I have been with them for almost a year and have no complaints.

Terrible service. Another company that collects money for nothing. Want us to do everything like our time isn’t worth anything. Yet they came to us so why not do your job? You have reps make them work for our money. I’d love to be done with Heartland