It was nearly 30 years ago when Heartland Payment Systems opened its doors with a modest plan: to provide fair, honest and fully disclosed payments solutions to help businesses prosper. Heartland offers card payment processing, point-sale-software, payroll services and marketing solutions that allow businesses to streamline their operations and focus on managing business more profitably. Simply put, Heartland products and services will make business better. Heartland is a direct processor and If a business is not processing with a wholesale card underwriter they are paying more than they should for customer payments.