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Heartland was acquired for .3 billion by Global Payments in December 2015.

We do not consider this disclosure method to be very transparent, although there seems to be some variation among the company’s agents when it comes to verbally disclosing the ETF.

The consistency of reports emerging about nondisclosure of the company’s ETF has prompted us to lower Heartland’s rating in this category to a “B.” Pricing of Heartland merchant accounts appears to vary based on a variety of factors including business needs, sales volume and the agent setting up the account.

The company’s standard contract (available below) has a three-year service agreement with a 5 cancellation fee, both of which appear to be negotiable.

In general, Heartland’s contract terms are better than industry averages but less competitive than a month-to-month contract with no termination fees.

If you can add any more details about the company’s pricing, please leave them in the comment section below. For a processor of Heartland’s size, the company has a low-to-moderate number of complaints posted in the normal channels and forums, and only a handful of these complaints accuse the company of being a scam or a ripoff.

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