Business Tips & Advice

A quick glance at the Merchant Bill of Rights shows you have "the right to know" the many details — and often hidden costs — associated with processing credit and debit card transactions. You'll find information, tips and advice right here.

8 Essential Elements of Point of Sale (POS) Ownership

Educate yourself on the "8 Essential Elements" of point-of-sale (POS) system ownership with these helpful tips and tools provided by the National Restaurant Association.

Read More back to top

Point of Sales Toolkit

Use these tools as provided by the National Restaurant Association to help educate yourself on point-of-sale (POS) system ownership.

Read More back to top

New Gift Card Rules Expected to Make Holiday Season Merrier for Businesses

As the first holiday shopping season since the enactment of new rules governing gift cards approaches, businesses have an opportunity to maximize their gift card programs.

Read More back to top

Understanding New IRS Reporting Requirements

The Housing and Economic Recovery Act of 2008 contains a new reporting requirement, Section 6050W, of the Internal Revenue Code (IRC). This requires payments processors — such as Heartland Payment Systems — to file an information return reporting the gross receipts for all electronic payment card transactions (i.e. credit card, debit card and prepaid/gift card) for each merchant customer with the IRS for each calendar year. This applies to all payment card transactions beginning on January 1, 2011.

Read More back to top

Due Process

The world of credit and debit card processing is a complex one, but operators can save money and headaches if they patiently sort through it.

Read More back to top

News Alert: New Receipt Requirements in Effect as of 12/31/10

As of December 31, 2010, MasterCard requires your electronically printed payment card merchant receipts exclude the payment card expiration date.

Read More back to top

Slim Down Your Statement: Prevent Needless Charges for Card Transactions

When you review your card processing statements, do you find sometimes you are left scratching your head about the charges incurred? You're not alone.

Read More back to top

News Alert: Important Information Regarding Minimums for Credit Card Transactions

Effective immediately, merchants are permitted to establish a minimum dollar value for accepting credit cards.

Read More back to top

You Have The Right To Know About Seasonal Fee Increases

You may be paying more for card processing now than you were last month … and lining the pockets of your processor. Don’t pay more than you have to. To get the full story, read this article.

Read More back to top

The Price Of Credit

QSR Magazine article examines the costs of credit card processing fees for quick service restaurants.

Read More back to top

Payments Insider Newsletter

Heartland Payments Systems is the founding supporter of The Merchant Bill of Rights. Heartland's Payments Insider is a news-based business publication that brings key payments news, legislation and trends right to your e-mail inbox.

Read More back to top

PCI Compliance: Keep Your Customers And Business Secure

PCI Compliance: Keep Your Customers And Business Secure. Reprint of article in Retail Solutions Online regarding steps you need to consider regarding PCI compliance and security.

Read More back to top

Understanding Your Card Processing Statements

This article presents several items to analyze in your monthly card processing statement to ensure you know the source and reasons for all the charges. Article is focused on the hotel industry, but the information applies to virtually all merchants.

Read More back to top

Seven Best Practices For Managing Card Processing Costs

Here are seven tips to help you better understand account statements, hidden fees, etc. Article is focused on the hotel industry, but these seven tips apply to virtually all merchants.

Read More back to top

Additional Web Resources

A list of several additional web resources that may provide useful information.

Read More back to top

Visa & MasterCard Interchange Rates

Visa and MasterCard recently began to publish their Interchange rates to the public. Click on the link below to learn more and download their latest rate tables.

Read More back to top

Looking For Legal And Regulatory Assistance?

Here is a list of web sites with helpful information about merchant responsibilities, chargeback resolution, interchange rates and legal assistance.

Read More back to top

Just Starting To Accept Credit Card Payments?

Read More back to top

Visa Web Site Offers Helpful Small Business Materials

Visa offers a wide range of industry materials created to help you build, market and maintain a successful business. From security best practices to industry specific information for industries such as healthcare, retail, and restaurants. Many of these items are free or available at a very nominal charge.

Read More back to top

To Lease Or Not To Lease? That Is The Question!

Many merchants new to credit card processing will often be presented with a “Package” that includes Credit Card Services, Debit Card Services and Terminal Lease. Here is what you should know...

Read More back to top