Heartland review (2026): features, pros and cons, and what to check before you buy
Payment processor owned by Global Payments that also sells restaurant and retail POS systems.
Our take for buyers
Heartland is a payment processor owned by Global Payments since the 2016 acquisition, and it also sells restaurant and retail POS systems. Heartland Retail is the renamed Springboard Retail, which Global Payments acquired in 2020. Best for merchants who want POS and processing from one provider. It offers no free plan or free trial, so evaluation happens through sales and a demo.
Review evidence is thin and split across products. G2 lists the POS product at 3.1 from five reviews, pcAmerica at 4.5 from ten and Payments+ at 4.2 from thirteen. One reviewer liked seeing processed transactions easily, and customer service issues appear in Payments+ reviews. Because the POS is tied to processing, shortlist it only if you are open to its processor.
Pros
- A G2 reviewer liked seeing processed transactions easily.
Cons
- Customer service issues in Payments+ reviews.
- Low G2 score for the POS product on very few reviews.
- Best for
- Merchants who want POS and processing from one provider.
- Starting price
- Contact sales
- G2 rating
- 3.1 (5 reviews)
What is Heartland?
Payment processor owned by Global Payments that also sells restaurant and retail POS systems. Restaurants and retailers already processing payments with Heartland, a Global Payments company, can buy POS from the same provider. Pricing comes only by quote, and public reviews are sparse, with some customer service complaints. Ask for a rate sheet and test whether you can choose another processor. Heartland was founded in 1997 and is based in Princeton, NJ historically (Wikipedia infobox lists Oklahoma City).
Category: POS Systems
Heartland key features
| Criterion | What we found |
|---|---|
| Payment processing terms | Integrated Heartland processing with end-to-end encryption and tokenization (Wikipedia) |
| Online and omnichannel sales | ECommerce offered (Wikipedia) |
| Industry features | Restaurant and retail POS products. |
| Pricing model | Quote based. |
Heartland plans and pricing
Heartland does not publish a price list; pricing is quoted on request.
Pricing is not published by the vendor.
Who should shortlist Heartland
A strong fit for
- Merchants who want POS and processing from one provider.
- Restaurants and retailers already using Heartland processing.
A weak fit for
- Buyers who want to pick a processor independently.
- Buyers who need public, transparent pricing.
Heartland alternatives
ToastRestaurants, bars and cafes needing table service, kitchen display and online ordering.
Square POSSingle-shop retailers and service businesses that want to start at $0 software.
CloverSmall restaurants and retailers wanting bundled hardware plus software.
LightspeedMulti-category retailers needing deeper inventory and reporting.
Epos NowSmall retail and hospitality shops wanting bundled hardware.
Revel SystemsExisting Revel restaurant operators already on the platform.
Contract and buying terms
- Starting price
- Contact sales.
- Pricing model
- Custom.
- Free plan or trial
- No.
What to test in a Heartland demo or trial
Decide first which Heartland product you are actually evaluating, since the restaurant POS, Heartland Retail and the older pcAmerica and Payments+ products have separate review scores. Test transaction reporting, which a G2 reviewer singled out. Ask for a reference customer in your vertical, and probe customer service because support issues appear in Payments+ reviews. Confirm whether the POS works with a different processor, because it is tied to Heartland processing.
Questions to ask Heartland before you sign
These are the points Heartland's public pages leave open. Get the answers in writing before procurement signs off.
- Which plan includes SAML SSO, and what does it cost for our seat count?
- Is SCIM provisioning included, or a paid add-on?
- Which plan includes audit logs, and how long are they kept?
- Where is our data stored, and can we choose the region?
- Can we sign your standard DPA without changes?
- Is there a monthly option, and what are the cancellation and renewal terms?
- What will the price be at renewal, and is the increase capped?
Things to know before a demo
- Heartland is a processor first, so its POS is tied to its processing.
- G2 lists separate Heartland products with different scores: POS 3.1 (5 reviews), pcAmerica 4.5 (10), Payments+ 4.2 (13)
- Heartland Retail is the renamed Springboard Retail, acquired by Global Payments in 2020.
Heartland FAQ
What is Heartland used for?
Restaurants and retailers already processing payments with Heartland, a Global Payments company, can buy POS from the same provider. Pricing comes only by quote, and public reviews are sparse, with some customer service complaints. Ask for a rate sheet and test whether you can choose another processor. It suits merchants who want POS and processing from one provider.
Who is Heartland best for?
Merchants who want POS and processing from one provider, and restaurants and retailers already using Heartland processing. It is not for buyers who want to choose a processor independently.
Is Heartland's POS tied to its payment processing?
Yes. Heartland is a processor first, so its POS is tied to its processing. Ask whether another processor can be used before you commit.
What do reviews say about Heartland?
The data is thin and varies by product: POS 3.1 on five G2 reviews, pcAmerica 4.5 on ten and Payments+ 4.2 on thirteen. Payments+ reviews mention customer service issues.
Vendor profile
- Founded
- 1997.
- Headquarters
- Princeton, NJ historically (Wikipedia infobox lists Oklahoma City)
- Funding or owner
- Acquired by Global Payments for $4.3B (2016)
Sources
Every fact on this page comes from Heartland's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.