Heartland is one of only a handful of direct credit card processors that everyone must use. The company was founded on morals, ethics, and values and we work hard to uphold these. Customer service is very important to Heartlanders. We offer next day funding, lower rate program on Amex, consice and transparent easy to read statements, secure processing with a full unlimited breach warranty, and world renowned customer service. Heartland also offers gift cards and client retention programs.