Merchant Services

Grow your revenue by expanding your payment possibilities!

We offer payment solutions to help make your payment processing more efficient and profitable. Our quality and service, combined with our proven payment industry expertise, uniquely positions us to meet the needs of your business now and in the future.

  • Dedicated Relationship Manager
  • Quick and seamless startup
  • Terminal, Point-of-Sale systems, Mobile and Internet based solutions
  • Customized Gift Cards
  • Accept all major credit and debit cards
  • Visa®, MasterCard®, Discover®, American Express®, JCB® and Fleet Cards
  • Customized Online Reporting 
  • Equipment Assurance Program
  • 24/7/365 Technical Support

Terminals and Point-of-Sale Solutions

  • Improve cash flow with our quick and reliable settlement for funding payments into your bank account.
  • Be able to accept chip cards with our EMV ready solutions. 
  • Choose from cloud connected, tablet based POS systems for payment processing and business management. 
  • Versatile terminal options based on your connectivity needs: dial-up, Ethernet, contactless and Bluetooth.
  • Collect customer data to better market to your customers and increase sales.
  • View more about terminals and point-of-sale solutions.

Mobile Solutions

  • Turn your smart phone or tablet into a device with all the payment processing power you need through our encrypted card reader, NPC Mobile.
  • Swipe and process card payments quickly and securely, at a fraction of the cost of a wireless terminal. 
  • Manage payments in the palm of your hand with our app (available for both Apple™ and Android™).
  • View more about our mobile solutions.

Security Solutions

  • Offers PCI compliance and validation support.
  • Provides enhanced security solutions to help protect your business.
  • Read more about our security solutions.

Debit Card Processing

  • Authorization and payment of PIN-based and signature-based debit transactions.
  • View more about debit card processing.

Online Reporting Portal

  • Convenient one-stop resource center to access statements, transaction detail and payment summaries.
  • Review chargeback and retrieval requests.
  • Export Excel, CSV, and PDF file formats for easier reconciliation and accounting purposes.
  • View more about our online reporting portal.

Internet Solutions

  • Improve sales, enhance customer satisfaction and reduce fraud risk by accepting payments through your website.
  • Secure your client data through an internet-based, real time credit and check payment application which has the highest levels of encryption and security protocols. Our leading Internet Protocol (IP)-based payment gateways provide solutions that you can trust.
  • Manage your payments, search for customer data, customize email receipts, set up recurring payment schedules, and configure fraud tools to help deter unauthorized transactions.
  • Read more about our Internet solutions.

Gift Cards

  • Customize gift cards with your brand, or select one of our simple card designs. 
  • Track usage and offer rewards.
  • Promote your business, encourage repeat customers and increase your sales.


To learn more about Heartland Bank Merchant Services, visit any of our convenient locations today, or give us a call. 

Customer Care Center: 888-897-2276
Monday-Friday: 7:00 a.m. to 9:00 p.m.
Saturday: 8:00 a.m. to 5:00 p.m.
Sunday: 12:00 p.m. to 5:00 p.m.