Heartland Payments+ vs Square Payments: Which is best for you?

With great customer service, security features, and customizable options, it’s ideal for medium to large businesses that need a robust system.

At that time, I canceled my payroll services after the year-end processing and also canceled my merchant credit card processing account for that company. Despite the business closure, Heartland continued billing me for merchant services — over $300 per month — even though the account was inactive and no credit card transactions occurred. When I contacted Heartland for assistance, I was told they could not locate my account due to a misspelled name, and I was given no resolution. Once the found it I was basically told it was too bad so sad.

Overall, Square Payments is a very good payment-processing solution for small-to-mid sized businesses, startups, side hustles, or anyone who values ease of setup and flexibility over deep customization or maximum cost efficiency.

The flat percentage-per-transaction model can be more expensive than custom merchant-account rates if you do a lot of sales, or have large-ticket items — so for high-volume businesses, fees may become significant.