Top 10 Heartland Payment Processing Alternatives 2026
Efficient payment processing for your business.
Main Features
- Credit Card Processing
- Online Payments
- PCI Compliance
- Payment Gateway
Pricing
Heartland Payment Processing offers custom pricing plan
Heartland Payment Processing is a Payment Processing Software platform with a user rating of 4.8★ based on 10 reviews. Teams looking for alternatives typically need better pricing flexibility, easier deployment, or a closer feature fit for their specific use case. Below you'll find 10 vetted Payment Processing Software alternatives ranked by user rating, with filters to narrow by pricing, platform, and features — so you can find the right fit for 2026.
Heartland Payment Processing vs Top Alternatives at a Glance
Side-by-side comparison of pricing, user rating, and free trial availability to help you decide faster.
| Tool | Best For | Pricing | Rating | Free Option |
|---|---|---|---|---|
| Heartland Payment Processing Current | Payment Processing Software | Custom pricing | 4.8 ★ | ✗ No |
 Shift4 Payments | Payment Processing Software | Custom pricing | 4.5 ★ | ✗ No |
 Merchant One | Payment Processing Software | Custom pricing | 4.8 ★ | ✗ No |
 Square Payments | Payment Processing Software | Custom pricing | 4.6 ★ | ✗ No |
 MagicPay | Payment Processing Software | Custom pricing | 5.0 ★ | ✗ No |
 EPX | Payment Processing Software | Custom pricing | 4.5 ★ | ✗ No |
Showing 1-10 out of 10
List of the Top Heartland Payment Processing alternatives as of October 2026
Compare business software, products, and services to find the best solution for your business or organization. Use the filters on the left to drill down by category, pricing, features, market segment, user ratings, and more.
Shift4 Payments — 4.49★
Secure, affordable, and effortless payment processing.
Add to compare
What is Shift4 Payments?
Shift4 Payments is a revolutionary merchant account payment processing solution. From our patented online technology that displays your shopping cart directly on a mobile phone or computer to the dynamic web-based reporting provided by Shift4's comprehensive suite of applications, we deliver ...
Read moreWhat reviewers like about Shift4 Payments
- Advanced payment technology
- Dynamic reporting
- Secure transactions
Where Shift4 Payments falls short
- Limited international support
- May require technical setup
- Customer service can be slow
Common Features
-
Payment Processing
-
Payments
-
Credit Card Processing
+ 5 more
Unique Features
No unique features
Pricing
Shift4 Payments offers custom pricing plan
Merchant One — 4.77★
Efficient, secure payment processing for any business.
Add to compare
What is Merchant One?
Merchant One Payment Processing Software is the easiest cloud-based solution on the market today. Merchant One fuses together the ease of a POS system with powerful processing and shopping cart functionality. It is one payment processing software allows you to quickly and easily setup and ...
Read moreWhat reviewers like about Merchant One
- Easy cloud-based setup
- Full-service credit card processing
- Supports multiple business verticals
Where Merchant One falls short
- Limited advanced reporting tools
- May lack customization options
- Not ideal for very large businesses
Common Features
-
Payment Processing
-
Payments
-
Credit Card Processing
+ 4 more
Unique Features
-
eCommerce
Pricing
Merchant One offers custom pricing plan
Spotsaas Buyer Intelligence
Own the software buyers are comparing here? See who's weighing you against rivals — and who's comparing your competitors while you're not in the running.
Square Payments — 4.63★
Simple and secure payments on-the-go.
Add to compare
What is Square Payments?
Square Payments is a mobile and in-person payment processing solution used by small business owners — independent retailers, food vendors, and service providers — to accept card payments via smartphone or tablet without dedicated point-of-sale hardware. It combines a free card reader, simple ...
Read moreWhat reviewers like about Square Payments
- Easy to use on mobile devices
- Free to download
- Quick setup process
Where Square Payments falls short
- Limited features compared to competitors
- Transaction fees can be high
- Not suitable for large businesses
Common Features
-
Payment Processing
-
Payments
-
Credit Card Processing
+ 4 more
Unique Features
-
Mobile Payments
Pricing
Square Payments offers custom pricing plan
MagicPay — 5★
Unlock the power of seamless payments and increase sales.
Add to compare
What is MagicPay?
A complete online payment processing and marketing platform, MagicPay is everything you need to start and run a successful business immediately. Our secure, robust payment gateway technology enables merchants to set up online shop fronts and accept all major credit cards, cryptocurrencies and ...
Read moreWhat reviewers like about MagicPay
- Supports multiple payment methods
- User-friendly interface
- Quick setup process
Where MagicPay falls short
- Limited customer support hours
- Higher fees for certain transactions
- May lack advanced features
Common Features
-
Payment Processing
-
Payments
-
Online Payments
+ 4 more
Unique Features
-
eCommerce
Pricing
MagicPay offers custom pricing plan
EPX — 4.55★
Streamline Your Payments with EPX.
Add to compare
What is EPX?
Our EPX payment processing software is a cloud-based software program designed to handle multiple credit/debit/cash transactions and customer data. EPX is PCI-DSS compliant, easy-to-use, and comes in three editions, all written in Java programming language. This payment processing software is ...
Read moreWhat reviewers like about EPX
- Cloud-based solution
- Multiple transaction types
- PCI-DSS compliant
Where EPX falls short
- Limited features in lower editions
- Complex setup for some users
- Not suitable for very small businesses
Common Features
-
Payment Processing
-
Payments
-
Credit Card Processing
+ 4 more
Unique Features
-
Electronic Payments
Pricing
EPX offers custom pricing plan
Payline Data — 4.59★
Streamline your payments, with confidence.
Add to compare
What is Payline Data?
Payline Data is an integrated interchange-plus payment processing software that offers a proven payment solution that can scale from start-up to small and mid-sized businesses to large corporate enterprises. The intuitive interface improves tracking and managing of your payment processing ...
Read moreWhat reviewers like about Payline Data
- Integrated interchange-plus pricing
- Scalable for all business sizes
- Intuitive user interface
Where Payline Data falls short
- May be overwhelming for beginners
- Requires some technical knowledge
- Limited support options
Common Features
-
Payment Processing
-
Payments
-
Credit Card Processing
+ 4 more
Unique Features
-
Recurring (Subscription Billing)
Pricing
Payline Data offers custom pricing plan
Global Payments — 4.25★
Transforming payment processing for seamless transactions.
Add to compare
What is Global Payments?
Global Payments offers full-service, in-house, state-of-the-art Payment Processing Software that's been designed to simplify credit card processing through one central solution. Its comprehensive feature set provides easy access controls and reconciliation for merchants' businesses while ...
Read moreWhat reviewers like about Global Payments
- Full-service payment processing
- State-of-the-art technology
- Centralized solution
Where Global Payments falls short
- Can be expensive
- Complex for small businesses
- Limited customization options
Common Features
-
Payment Processing
-
Credit Card Processing
-
Payments
+ 4 more
Unique Features
-
Fraud Prevention
Pricing
Global Payments offers custom pricing plan
Merchant e-Solutions — 2.5★
Streamline payments and grow your business.
Add to compare
What is Merchant e-Solutions?
Merchant e-Solutions is a web-based payment processing software that allows you to quickly and easily set up a merchant account for your business. The software allows you to accept Visa, MasterCard, Amex, and Discover on your website or at physical locations. Merchant e-Solutions is always ...
Read moreWhat reviewers like about Merchant e-Solutions
- Web-based platform
- Easy merchant account setup
- Supports major credit cards
Where Merchant e-Solutions falls short
- Limited international support
- Basic reporting features
- Customer support can be slow
Common Features
-
Payment Processing
-
Payments
-
Credit Card Processing
+ 4 more
Unique Features
-
eCommerce
Pricing
Merchant e-Solutions offers custom pricing plan
Fattmerchant — from $49 · 3.92★
Revolutionize your business transactions with Fattmerchant.
Add to compare
What is Fattmerchant?
Fattmerchant, now branded as Stax, is a payment processing platform for small and mid-sized US businesses that charges a flat monthly subscription plus interchange cost rather than a per-transaction markup, which lowers effective rates for businesses processing higher payment volumes. It ...
Read moreWhat reviewers like about Fattmerchant
- All-in-one payment solution
- Easy merchant account setup
- Transparent pricing model
Where Fattmerchant falls short
- Limited international support
- Higher fees for small transactions
- Less customizable features
Common Features
-
Payment Processing
-
Payments
-
Credit Card Processing
+ 4 more
Unique Features
-
Billing and Invoicing
Pricing
Starts from $49/Month
PayAnywhere — 4.67★
Secure payments made easy on the go!
Add to compare
What is PayAnywhere?
PayAnywhere is payment processing software that enables you to accept secure payments anywhere on the web.. It offers the ability to take payments for goods and services through your mobile device or tablet, where you are. Businesses of any size can take advantage of PayAnywhere to process ...
Read moreWhat reviewers like about PayAnywhere
- Mobile payment capabilities
- User-friendly interface
- Fast transaction processing
Where PayAnywhere falls short
- Limited international support
- Transaction fees can add up
- May lack advanced features
Common Features
-
Payment Processing
-
Payments
-
Credit Card Processing
+ 3 more
Unique Features
-
Mobile Payments
Pricing
PayAnywhere offers custom pricing plan
The main Heartland Payment Processing competitors
Heartland Payment Processing competes with 10 other payment processing software tools tracked on Spotsaas. The closest by feature overlap are Shift4 Payments, Merchant One and Square Payments. Each is compared against Heartland Payment Processing on rating, pricing and feature coverage below.
Tools similar to Heartland Payment Processing
Searches for "sites like Heartland Payment Processing" and "apps like Heartland Payment Processing" land on the same set of options as "Heartland Payment Processing alternatives" — the 10 options below cover both, whether you want a like-for-like replacement or something lighter.
The case for each pick
Advanced payment technology
Watch for: Limited international support
Easy cloud-based setup
Watch for: Limited advanced reporting tools
Easy to use on mobile devices
Watch for: Limited features compared to competitors
Supports multiple payment methods
Watch for: Limited customer support hours
Integrated interchange-plus pricing
Watch for: May be overwhelming for beginners
Full-service payment processing
Watch for: Can be expensive
Web-based platform
Watch for: Limited international support
All-in-one payment solution
Watch for: Limited international support
Mobile payment capabilities
Watch for: Limited international support
Why teams look for a Heartland Payment Processing alternative
Teams usually start looking for a Heartland Payment Processing alternative for a few concrete reasons:
- Limited advanced features
- May require internet access
- Not suitable for large enterprises
What to prioritize in a Heartland Payment Processing alternative
On price, ratings, and standout strengths, the 10 alternatives compare like this: MagicPay is the highest rated at 5★ across 3 reviews.
Our scoring approach.
Which Heartland Payment Processing Alternative Is Right for You?
- If user satisfaction is your top priority: MagicPay — holds the highest user rating (5.0★) among Heartland Payment Processing alternatives.
- If you want a mid-range option: Payline Data — sits in the middle of the list by rating and may fit teams with mixed requirements.
Frequently Asked Questions (FAQs)
Stuck on something? We're here to help with all the questions and answers in one place.
The top-rated alternatives to Heartland Payment Processing for Payment Processing Software are MagicPay (5.0★), Merchant One (4.8★), PayAnywhere (4.7★). Compare all 10 alternatives side-by-side above.
When evaluating alternatives to Heartland Payment Processing, prioritize: Payment Processing, Payments, Credit Card Processing, Point of Sale (POS), Online Payments, transparent pricing, free trial availability, and integrations with tools you already use. Use the filters above to compare by feature, budget, and team size.
For small businesses, the best Payment Processing Software tools are Flatpay, Nickel, PayTabs. Look for affordable per-seat pricing, quick setup (under 1 day), no long-term contracts, and strong onboarding support to reduce time-to-value.
Migration difficulty depends on how deeply Heartland Payment Processing is integrated into your workflows. Most alternatives offer data export/import tools and dedicated onboarding support. We recommend narrowing to 2–3 options, running a free trial, and checking each vendor's migration guides before committing.
Heartland Payment Processing has a rating of 4.8. 2 alternatives — including Merchant One and MagicPay — rate higher. The right choice depends on your workflow, team size, and budget.
About the reviewer
Rajat Gupta is the founder of Spotsaas. Over the past two years, he has reviewed 2,000+ tools across CRM, HR, AI, and finance — applying hands-on product research and a background in commerce and the CFA program to evaluate software through a business and ROI lens. His goal: help teams make software decisions they won't regret.
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].