PaySec + Heartland POS: Zero Processing Fees for Retail and Restaurant
How businesses using Heartland POS are switching to PaySec's Network Offset Pricing to eliminate credit card processing fees entirely.
Heartland, now part of Global Payments, has been a fixture in the point-of-sale market for years. Restaurants, retail stores, salons, quick-service restaurants, and service businesses across the country use Heartland POS hardware and software to manage transactions, inventory, and customer data. The systems are reliable, the hardware is solid, and the software handles day-to-day operations well.
The problem is on the processing side. Heartland's payment processing rates still run 2.3 to 3.0 percent on every card transaction, depending on the card type and business category. For a restaurant doing $60,000 per month in card sales, that is over $18,000 per year in processing fees. For a retail store processing $40,000 per month, it is $11,500 annually. These are not trivial numbers. They represent real money that could be reinvested in the business, paid out to employees, or taken home as profit.
PaySec integrates with Heartland POS environments to bring Network Offset Pricing to businesses that are tired of losing a percentage of every sale to their processor.
What Is the PaySec + Heartland POS Integration?
PaySec works alongside or replaces the payment processing component of your Heartland POS setup. Network Offset Pricing (NOP) displays dual pricing on the terminal screen and the receipt, showing the customer a cash price and a card price. The card price includes a small offset that covers the cost of processing. The customer chooses how to pay, and the business receives the full sale amount regardless of payment method.
NOP is legal in all 50 states and fully compliant with Visa, Mastercard, Discover, and American Express network rules. It is distinct from surcharging, which is prohibited or restricted in some states. With NOP, you are simply presenting two transparent prices and letting the customer decide.
The Real Cost of Processing Fees for Retail and Restaurant
Processing fees hit differently across business types, but they always hit hard:
| Business Type | Monthly Card Volume | Processing Rate | Annual Cost |
|---|---|---|---|
| Restaurant | $60,000 | 2.6% | $18,720 |
| Retail store | $40,000 | 2.4% | $11,520 |
| QSR / fast casual | $45,000 | 2.5% | $13,500 |
| Salon / spa | $30,000 | 2.6% | $9,360 |
| Multi-location restaurant (3) | $180,000 | 2.6% | $56,160 |
For a multi-location restaurant group, $56,160 per year in processing fees is the annual salary of a manager or the cost of a major kitchen equipment upgrade. That money is leaving the business every year with nothing to show for it.
How Network Offset Pricing Works with Heartland POS
Here is what dual pricing looks like across different Heartland POS environments:
Restaurant example -- a table's check comes to $85:
| Payment Method | Amount |
|---|---|
| Cash | $85.00 |
| Credit card | $88.40 |
Retail example -- a customer purchases $120 worth of merchandise:
| Payment Method | Amount |
|---|---|
| Cash or debit | $120.00 |
| Credit card | $124.80 |
QSR example -- a lunch order totals $14.50:
| Payment Method | Amount |
|---|---|
| Cash | $14.50 |
| Credit card | $15.08 |
Tips in restaurant environments are handled separately. NOP applies to the check subtotal, and the tip amount is added after the customer selects their payment method. POS reports reconcile with PaySec settlements for clean end-of-day accounting.
Integration Features
- Dual pricing on screen and receipt: Customers see both options clearly before making a payment decision
- Restaurant-ready: Handles table service, bar tabs, quick service, and counter ordering with NOP applied correctly in each scenario
- Retail-ready: Works with barcode scanning, inventory lookup, and standard retail checkout flows
- Tip handling: Tips processed correctly alongside NOP pricing in restaurant environments
- POS report reconciliation: PaySec settlements match your Heartland POS reports for straightforward end-of-day balancing
- PCI Level 1 compliant: The highest standard of payment card data security
- No contracts, no minimums: No long-term commitment or volume requirements
- Multi-location support: Deploy across all locations with consolidated reporting
Who Benefits Most?
The PaySec + Heartland POS integration is ideal for any business currently processing payments through Heartland that wants to eliminate fees. It is especially impactful for:
- Independent restaurants operating on razor-thin margins where processing fees represent a significant portion of net profit
- Retail stores processing steady card volume on merchandise sales
- QSR and fast-casual operators with high transaction counts that accumulate meaningful fees even on smaller tickets
- Salons and spas where card payment is nearly universal and margins are modest
- Multi-location operators with consolidated card volume that generates five- or six-figure annual processing costs
Getting Started
- Contact PaySec for a merchant account. Approval typically takes 3 to 5 business days with no contracts and no minimums.
- Deploy NOP-enabled terminals. PaySec ships pre-configured terminals that work alongside or replace your current Heartland payment hardware.
- Configure dual pricing display. PaySec ensures cash and card prices display correctly on terminal screens and receipts for your specific business type.
- Start processing at zero cost. From your first transaction, you keep 100 percent of every sale.
You do not need to change your POS workflow, retrain your staff on a new system, or overhaul your operations. PaySec simply changes how payment processing works so the fees that used to come out of your revenue no longer exist.
PaySec + Heartland POS: keep the POS workflow your team already knows and add zero-fee payment processing that puts money back in your business.