Interchange Plus Pricing Heartland pioneered the practice of offering Interchange Plus pricing to all businesses, regardless of their scope or size. Interchange Plus is true wholesale pricing previously available only to national chains and high volume accounts. In this pricing model, Heartland passes true cost from Visa and MasterCard along with a fixed markup to our customers. This protects them from arbitrary price increases and insures that they receive the full benefit of cost reductions, such as the Durbin Amendment legislation. The Merchant Bill of Rights Heartland has been an advocate for full disclosure of fees and mandates that are published by the major card brands and issuing banks. Heartland started a revolution in the industry by educating small and mid-sized businesses about the real cost of Interchange, which is the wholesale pricing structure for Visa and MasterCard. Heartland has published the Merchant Bill of Rights that encompasses ten core beliefs we feel every merchant should receive from their processor. For more information, visit: www.Merchantbillofrights.org Heartland Secure HPS Secure is a comprehensive card data security solution that protects merchants against the ever-evolving sophistication of today's cybercriminal. Backed by the most comprehensive breach warranty in the industry, HPS is able to protect credit card data from the moment a card is used. Through the innovative implementation of EMW, Heartland E3 end-to-end encryption technology & tokenization, HPS Secure eliminates clear text date from your point-of-sale system and network, removing the risk of that data being stolen.