Heartland Takes 2.3-3.0% on Every Transaction. PaySec Takes 0%.
PaySec integrates with Heartland POS environments — zero processing fees on every sale, tab, and checkout.
Retail & Restaurant Fee Reality
Card-present transactions dominate. Every swipe, tap, and dip costs you money.
| Business Type | Monthly Card Volume | Annual Fees Eliminated |
|---|---|---|
| Retail store | $40,000 | $11,520 |
| Restaurant | $60,000 | $18,720 |
| QSR / fast casual | $45,000 | $13,500 |
| Multi-location (3 stores) | $150,000 | $45,000 |
Works with Heartland POS Workflow
✓Dual pricing displayed on screen and receipt
✓Restaurant check presentation with both prices
✓Retail counter checkout integration
✓Tip handling (NOP applies to subtotal)
✓End-of-day POS reconciliation with PaySec settlements
✓Contactless tap-to-pay supported
Daily Sales Impact
Restaurant averaging $2,500/day in card sales: $2,500 × 2.6% = $65/day in fees. $65 × 365 = $23,725/year. That covers a part-time employee or a full kitchen equipment upgrade.
For retail and restaurant operators on Heartland POS who want to keep the hardware and lose the processing fees.