I am not sure anyone can beat Heartland Payment Systems. We moved between processing companies 4 times over 5 years and as a consultant for other hospitality businesses I still recommend them ahead of all else. From the reps, to the service, ease of use, low processing rates and an incredible company that stands behind it all. This is a brand you can trust and service you can count on.

There are no cons with Heartland unless you can't find a rep in your local area. Then I say, work with them anyway, they are worth it and you will be treated like family no matter what.

It's easy. I don't have that nagging feeling that I am being ripped off because of hidden fees because there aren't any.

The customer service is amazing! The people are so friendly and helpful when you need help. The software is very easy to use. You see everything! There aren't hidden fees or fees that are impossible to figure out and the fees are lower than others.

It doesn't seem to be set up for automatic payments or maybe it is, but I haven't figured it out yet. It's the one area where customer service wasn't able to help me.

I have to rate my experience with Heartland as very, very poor at this point. I moved away from them to Beyond and was able to cut my credit card processing costs in just about half.

When I used to have a rep that I could easily contact and he would find help I needed.

Heartland started lopping fees on us over the years. Their support has failed to provide me with a customer file as I was promised I would be able to get. They were zero help in that regard for my switching processors. And I do not like how they handle charge-backs from customers who have defrauded us.

Heartland does exactly what they've said they were going to do. They allow us to take credit cards and they pay us the very next day.

They do what I need them to do and I have had no issues in the last 2.5 years we've been with them. They also have stellar customer service. Every time I call, I get someone who is very pleasant and helpful, which is difficult to get with most companies.

Their website looks beautiful but it can be difficult to use and VERY slow to load. Also, their pricing is beyond convoluted so I have no idea what I'm paying for, but I do sense my rates rising.

Overall experience was favorable

ease of ACH and recurring billing set up -

did not have capability to handle employment taxes in Canada - problem for us as we had a couple of Canadian employees