Heartland Payment Processing vs Zip 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…
Zip
Starting at Contact for pricing
- Individuals
- Freelancers / Consultants
Zip's platform allows merchants to enjoy increased conversion rates, stabilized customer loyalty, and no-delay payments. It's simple to set up without API integration required, offering compatible solutions with WooComme…
Zip leads on user satisfaction with a 4.5-star rating across 86 reviews.
Heartland Payment Processing vs Zip — at a glance
| Feature | Heartland Payment Processing | Zip |
|---|---|---|
| Rating | 4.4 / 5 | 4.5 / 5 |
| Reviews | 55 | 86 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Medium Business, Small Business | Individuals, Freelancers / Consultants, Medium 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 | — |
| Data residency | US | Global |
Key differences between Heartland Payment Processing and Zip
- Target audience: Heartland Payment Processing is built for Medium Business and Small Business, while Zip targets Individuals and Freelancers / Consultants.
- User satisfaction: Zip scores higher with a 4.5-star average.
- Deployment: Heartland Payment Processing supports SaaS/Web/Cloud; Zip supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.
Heartland Payment Processing vs Zip — 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
Talk to an expert Talk to an expert |
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Biggest differences
Start here before you go deeper into features.
Medium Business, Small Business
Best for small to mid-sized e-commerce merchants seeking easy buy-now-pay-later setup.
- You want a plug-and-play BNPL solution with no API integration needed.
- Your team values a simple, user-friendly platform with fast application processing.
- You operate a small or medium online store using WooCommerce, Shopify, or BigCommerce.
- You require extensive customization and advanced feature sets.
- You need broad third-party app integrations beyond Zip’s limited marketplace.
Heartland Payment Processing typically suits Medium Business and Small Business. Zip tends to fit Individuals and Freelancers / Consultants 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 | Zip's platform allows merchants to enjoy increased conversion rates, stabilized customer loyalty, and no-delay payments. It's simple to set up without API integration required, offering ... Read More about Zip |
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Free Trial Availability |
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User RatingsBased on verified Spotsaas reviews | ||
Best Company Size | — | 1-50 employees51-500 employees |
Get pricing help | Get pricing help |
Software Demo
Demo |
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How do Heartland Payment Processing and Zip Compare on Features?
Total Features | 8 Features | 7 Features |
|---|---|---|
Unique Features | No unique features | No unique features |
Get Quote | Get Quote |
Compare Heartland Payment Processing and Zip 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.
Pricing Option | ||
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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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Modes of support |
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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 | — |
|---|---|---|
HIPAA | ✗ No | ✗ No |
GDPR | ✓ Yes | — |
ISO 27001 | ✓ Yes | — |
Multi-Factor Auth (MFA) | ✓ Yes | — |
Data Encryption | ✓ 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 Zip's ease of use, seamless payment experience, and helpful vendor support, with some concerns about limited integrations and feature complexity. 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. |  Boohoo  Fanatics  Fashion-nova |
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Media and Screenshots
Screenshots | No screenshots available. |  1 Screenshots |
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Videos |  1 Videos |  2 Videos |
Top Alternatives to Heartland Payment Processing and Zip 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 Zip?
- Zip 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 Zip offer a free trial?
- Neither Heartland Payment Processing nor Zip currently lists a free trial.
- What is the starting price of Heartland Payment Processing vs Zip?
- Heartland Payment Processing starts at Contact for pricing. Zip 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 Zip?
- Top alternatives to Zip include Checkout.com, BizPayO, plug&paid, Credit Key, Four.