Heartland Payment Systems, a very large merchant account provider and credit card processor, has over 180 reviews regarding processing fees and other costs. This provider scores about average in this review despite its large size. In the wake of the data breach it experienced in 2008, the company has thrived and become an advocate for data security and merchant education. However, the recent lawsuits do provide cause for concern, and we will be monitoring those closely. The company could improve its rating in this review by lowering its three-year service agreement to a shorter term, or by giving all merchants the ability to cancel service any time without a penalty. Other merchants considering Heartland for service should still compare its pricing and terms to top overall merchant services providers.
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