The MerchantWARE® Payment Gateway is a PA-DSS validated web-based processing solution that allows merchants in various business environments to manage their merchant account over a secure Internet connection. Extensive reporting features give merchants the ability to better manage their transactions and account reconciliation. There are no hidden fees or costs associated with our gateway product.


There’s no way to avoid the fact that accepting payments electronically costs money. However it’s equally true that electronic transactions are vital to success. So the question should not be “How much does it cost?” rather, the question should be “What return or value am I getting for my investment?”

When we create a program for you, we custom build it to ensure that you are getting the most from every transaction in terms of service, security, access, ease and of course, savings. So while we offer rates that are far better than industry standards, we pride ourselves in offering service and options that are setting new standards for our industry.


With Heartland, what you see is what you get. As one of the largest payments processors in the United States, Heartland has helped countless businesses grow by doing something different— providing pricing and fees that are fair and upfront and statements that are easy to understand.
How’s that for a better process?