Value and Service is a Heartland company philosophy that has provided its merchants the value of a network that ensures credit card processing revenues are deposited in a timely and accurate manner in the merchants bank account. Heartland is committed to customer service with a Merchant Service center that answers the phone within 30 seconds with a real live person. Eliminate the cost of a middle man processor by considering Heartland Payment Services. The services include: Credit Card Processing, On line direct processing, Web site processing and through almost all POS systems in the U.S. IN addition, Heartland offers Enhance Loyalty Marketing which assigns an expert marketing consultant to help formulate a gift card marketing plan to register, promote and reward new loyal customers.