The short answer
A transaction for HEARTLAND* RESTAURANT represents a monthly restaurant/retail POS software fee ($75 to $125/mo) or payment processing settlement from Global Payments Inc. (Heartland).
Why it shows up like this
HEARTLAND* RESTAURANT on your statement comes from Heartland Payment Systems, a major subsidiary of Global Payments Inc. (NYSE: GPN). Heartland provides cloud-based point-of-sale systems built for restaurants and retail businesses, along with payroll services and full merchant payment processing. When a restaurant owner subscribes to Heartland Restaurant POS software, a monthly SaaS license fee posts with this exact descriptor. The same descriptor can appear on a consumer's card when they dine at an independent restaurant that uses Heartland terminals, because some abbreviated payment gateway descriptors show the processor name rather than the restaurant's own DBA name.
The billing trigger varies depending on who sees the charge. Merchants receive it as a recurring monthly fee covering the software license, terminal rental, PCI compliance maintenance, or a bundled card processing settlement debit. The amounts typically fall between $75 and $125 per month for a standard Heartland Restaurant POS & Merchant Services agreement. Consumers may see it when a local establishment uses Heartland as its payment processor and the merchant's custom name doesn't fully propagate to the card network descriptor field.
To verify the charge, merchants should log into InfoCentral at infocentral.heartlandpaymentsystems.com and cross-reference the posted amount against the current statement period invoice. Consumers should pull up same-date dining or purchase receipts. If neither matches and you hold no Heartland merchant account, contact your bank's dispute team. Heartland's fraud risk is rated low given Global Payments' status as a regulated payment acquirer, but unrecognized charges should be investigated within 60 days of the statement date under the Fair Credit Billing Act.
Common reasons for this charge
- A monthly SaaS software license fee for Heartland Restaurant POS or Mobile Pay.
- Merchant credit card processing fees or PCI compliance monthly maintenance charges.
- A consumer purchase at a restaurant, bar, or store using Heartland processing terminals.
How to locate the invoice and cancel
- Sign in to Heartland InfoCentral Go to infocentral.heartlandpaymentsystems.com and log in with your merchant account.
- Review Statements review to Statements to download monthly merchant processing and software invoices.
- Manage Terminal Licenses Contact your local Heartland relationship manager to adjust POS services.
Frequently Asked Questions
Is Heartland owned by Global Payments?
Yes, Heartland Payment Systems is a major subsidiary of Global Payments Inc., one of the largest payment technology companies worldwide.
Why did a restaurant bill say Heartland on my credit card?
If an independent restaurant uses Heartland as their payment gateway, Heartland's name may appear on the statement if the descriptor is abbreviated.
Dispute Rights & Fraud Prevention
If you did not authorize this charge, check your local dining receipts or contact your bank's dispute department.
Dispute unauthorized transactions under the Fair Credit Billing Act within 60 days of the statement date.
How do I contact Heartland support?
Call Heartland customer service at 1-888-963-3600 or visit heartland.us/support.
Card issuers must complete their formal billing inquiry within two billing cycles (up to 90 days).
Independent reference — not affiliated with Global Payments Inc. / Heartland. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Heartland Merchant Agreement & Terms https://www.heartland.us
- CFPB: Payment Processor Disclosures https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges