Merchant Services
Competitive interchange-plus pricing, multi-terminal setups, and dedicated account management for businesses that process high volumes.
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Trusted Payment Partners Since Day One
Payment Processing That Moves as Fast as Your Business Does
From independent restaurants to growing retail chains, we design merchant solutions that cut through transaction fees, simplify reconciliation, and keep your cash flow healthy — so you can focus on what you do best.
15+
Years Serving Chesterfield
500+
Businesses Served
99.9%
Uptime Reliability
What We Do
Comprehensive Payment Solutions for Every Business Need
Whether you accept payments in-store, online, or on the go, we provide the tools and expertise to streamline your entire payment ecosystem.
Payment Gateways
Secure, PCI-compliant online payment gateways that integrate seamlessly with your e-commerce platform and checkout flow.
Learn moreMobile Payments
Accept card payments anywhere with our mobile payment solutions — ideal for food trucks, pop-ups, delivery services, and field operations.
Learn morePOS Systems
Full-service point-of-sale solutions with inventory management, employee tracking, and real-time reporting — tailored to your industry.
Learn moreRisk & Compliance
Stay ahead of regulatory requirements with fraud prevention tools, chargeback management, and ongoing PCI compliance monitoring.
Learn more24/7 Support
Round-the-clock technical support from a team that understands payment systems inside and out — because downtime costs you revenue.
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15+
Years of Industry Experience
About Us
Rooted in Chesterfield, Committed to Your Success
Heartland Payment Systems was founded on a straightforward principle: businesses deserve payment processing that is transparent, reliable, and tailored to their unique needs — not a one-size-fits-all package with hidden fees.
Located at 757 Spirit of Saint Louis Boulevard in the heart of Chesterfield, we have spent over a decade helping local businesses — from family-owned restaurants and boutique retailers to established professional services firms — navigate the complexities of modern payment processing.
Our team brings deep expertise in merchant acquiring, PCI compliance, and financial technology to every engagement. We don't just set up your terminals and walk away; we build long-term partnerships, continuously optimizing your payment infrastructure as your business grows.
Transparent Pricing
Local Presence
Proven Results
Expert Guidance
Why Heartland
The Difference a Dedicated Partner Makes
Most payment processors treat you like a ticket number. We treat you like a neighbor — because you are.
No Hidden Fees, No Surprises
We provide clear, itemized pricing with no surprise statements or hidden assessment fees. What we quote is what you pay — every single month.
Local Team, Not a Call Center
When you call us, you reach a real person who knows your account — not a scripted representative in a distant call center who has never heard of Chesterfield.
Custom Solutions, Not Templates
Every business processes payments differently. We design solutions around your workflow, your volume, and your growth plans — not a generic package.
Fast, Reliable Settlement
Get your money when you need it. We offer next-business-day settlement and flexible funding schedules that work with your cash flow.
Client Feedback
Trusted by Businesses Across the St. Louis Region
"Heartland helped us cut our processing costs by nearly 30% in the first year. Their team took the time to understand our restaurant's unique transaction patterns and built a system that actually works for us — not against us."
"Switching from our previous processor was seamless. Heartland handled everything — equipment, setup, staff training — and had us up and running within a week. The ongoing support has been outstanding."
"As a growing business, we needed a payment partner who could scale with us. Heartland's solutions have grown alongside us, and their compliance team keeps us protected without adding unnecessary complexity."
Get Started
Ready to Simplify Your Payment Processing?
Schedule a free, no-obligation consultation with our team. We'll review your current setup, identify savings, and recommend a solution tailored to your business — all at no cost and with no pressure.
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Thank you for reaching out. A member of our team will contact you within one business day.
Visit Us
757 Spirit of Saint Louis Blvd
Chesterfield, MO 63005
Chesterfield, MO 63005
Call Us
(314) 709-7006
Business Hours
Mon – Fri: 9:00 AM – 5:00 PM
Support: 24/7
Support: 24/7
