Heartland Payment Processing vs Afterpay Comparison
Heartland Payment Processing
Starting at Contact for pricing
- Medium Business
- Small Business
Heartland Payment Processing software was designed with convenience in mind. A "point of sale payment processing" system, it offers the ability to run a business without having to purchase bulky expensive equipment or hi…
Afterpay
Starting at Contact for pricing
- Large Enterprises
- Medium Business
Afterpay enables customers to acquire what they need and want, while simultaneously building strong financial wellbeing and managing their expenses, by splitting the payments up over four installments, for online and in-…
Afterpay leads on user satisfaction with a 4.5-star rating across 199 reviews.
Heartland Payment Processing vs Afterpay — at a glance
| Feature | Heartland Payment Processing | Afterpay |
|---|---|---|
| Rating | 4.4 / 5 | 4.5 / 5 |
| Reviews | 55 | 199 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Medium Business, Small Business | Large Enterprises, Medium Business, Small Business |
| Category | Payment Processing Software | Payment Processing Software |
| Platforms | SaaS/Web/Cloud | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS |
| API | — | Available |
| Support modes | 24/7 (Live rep), Online | Online |
| Certifications | SOC 2, GDPR, ISO 27001 | GDPR |
| Data residency | US | Global |
Key differences between Heartland Payment Processing and Afterpay
- Target audience: Heartland Payment Processing is built for Medium Business and Small Business, while Afterpay targets Large Enterprises and Medium Business.
- User satisfaction: Afterpay scores higher with a 4.5-star average.
- Deployment: Heartland Payment Processing supports SaaS/Web/Cloud; Afterpay supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.
Heartland Payment Processing vs Afterpay — find the better fit before you commit.
Which tool fits your team best
Which is actually cheaper for your team size
Where each product wins, per real buyers
Most Payment Processing Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.
Biggest differences
Features
Pricing
Buying details
Security
Buyer feedback
Integrations
Product tour
Other options
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Biggest differences
Start here before you go deeper into features.
Medium Business, Small Business
Best for retailers seeking simple, interest-free four-installment payment plans.
- You run a small to medium retail or e-commerce business needing easy payment integration.
- You want to offer customers interest-free installment payments to boost sales and affordability.
- Your teams value a simple, user-friendly platform with low setup complexity.
- Your business requires extended or more flexible payment plans beyond four installments.
- You need highly responsive and comprehensive customer service support for payment issues.
Heartland Payment Processing typically suits Medium Business and Small Business. Afterpay tends to fit Large Enterprises and Medium Business better. The right choice depends on your team size, workflow, and whether a free trial matters.
Description | Heartland Payment Processing software was designed with convenience in mind. A "point of sale payment processing" system, it offers the ability to run a business without having to purchase ... Read More about Heartland Payment Processing | Afterpay enables customers to acquire what they need and want, while simultaneously building strong financial wellbeing and managing their expenses, by splitting the payments up over four ... Read More about Afterpay |
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Free Trial Availability |
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User RatingsBased on verified Spotsaas reviews | ||
Best Company Size | — | Small BusinessMedium Business |
Get pricing help | Get pricing help |
Software Demo
Demo |
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How do Heartland Payment Processing and Afterpay Compare on Features?
Total Features | 8 Features | 8 Features |
|---|---|---|
Unique Features | No unique features | No unique features |
Get Quote | Get Quote |
Compare Heartland Payment Processing and Afterpay on pricing
Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.
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Pricing Plans |
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Other Details
Organization Types supported |
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Platforms Supported |
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API Support |
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Get help choosing | Get help choosing |
Security & Compliance
Certifications, data handling, and security controls for IT and compliance evaluators.
SOC 2 | ✓ Yes | — |
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HIPAA | ✗ No | ✗ No |
GDPR | ✓ Yes | ✓ Yes |
ISO 27001 | ✓ Yes | — |
Multi-Factor Auth (MFA) | ✓ Yes | — |
Data Encryption | ✓ Yes | ✓ Yes |
Audit Logs | ✓ Yes | — |
Data Residency | 🇺🇸 US | 🌐 Global |
Heartland Payment Processing User Reviews & Rating Comparison
User Ratings | ||
|---|---|---|
Rating Distribution | ||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Buyer sentiment is positive across 20 reviews, with strong overall satisfaction. What buyers like
Common complaints
| Buyer sentiment Overall positive sentiment highlights ease of use and financial flexibility, tempered by concerns over customer service and limited payment options. What buyers like
Common complaints
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Pros and Cons |
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Positive Reviews | No reviews available for the product | No reviews available for the product |
| Negative Reviews | No reviews available for the product | No reviews available for the product |
List of Customers
Customers | No Customers information available. |  lululemon  DSW  Ultra Beauty |
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Media and Screenshots
Videos |  1 Videos |  2 Videos |
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Top Alternatives to Heartland Payment Processing and Afterpay in 2026
Alternatives |
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
Frequently asked questions
- Which is better, Heartland Payment Processing or Afterpay?
- Afterpay edges out the other on user ratings (4.5 vs 4.4). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Heartland Payment Processing and Afterpay offer a free trial?
- Neither Heartland Payment Processing nor Afterpay currently lists a free trial.
- What is the starting price of Heartland Payment Processing vs Afterpay?
- Heartland Payment Processing starts at Contact for pricing. Afterpay starts at Contact for pricing.
- What are the top alternatives to Heartland Payment Processing?
- Top alternatives to Heartland Payment Processing include WePay, Square Payments, PayPal Here, Braintree Direct, QuickBooks Payments.
- What are the top alternatives to Afterpay?
- Top alternatives to Afterpay include Selz, Four, Klarna, Wisetack, Affirm.