Alternatives
Why owners look beyond Heartland, the options worth comparing and how to switch without losing a day of sales.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express offers Clover POS and credit card processing through our partnership, with on-site installation, training and phone support.
Key facts
Related: Clover vs Heartland: Which POS Fits Your Business? · POS alternatives · Comparisons and pricing models · Get a Clover quote · Clover devices
Owners look at Heartland alternatives when a processing agreement is up for renewal, when the brand change to Global Payments raises questions about who supports the account, or when they want a smaller team that installs on site and answers the phone.
The alternatives below are grouped by who they fit. If you want a full POS that is quoted to your business, installed on site and supported by one team, Clover through Merchant Fund Express is the option we offer.
Heartland describes itself as "a Global Payments company" and says it is transitioning to the Global Payments brand. It offers restaurant and retail POS, card processing, payroll and time tools, and business funding, and says nearly a million entrepreneurs use it.
It tends to suit owners who prefer working with a national processor.
Today: Heartland pairs cloud-based POS software with a range of hardware options for restaurants and retail. Heartland processes payments; it is a registered ISO of PNC Bank and Deutsche Bank Trust Company Americas. Review your Heartland agreement for its term and notice period, then time the Clover install to avoid paying for two systems.
Plan the data first. Export items, modifiers, taxes and customer records before you cancel anything, and write down open gift card balances so they can be honored after the switch.
| Option | Who it fits | Read more |
|---|---|---|
| Clover through Merchant Fund Express | You want an installer from a smaller team who comes on site and stays reachable. | Clover vs Heartland |
| Elavon | Companies that already use an Elavon gateway with their software. | Clover vs Elavon |
| Worldpay | Large and multinational merchants with complex payment needs. | Clover vs Worldpay |
| Shift4 / Harbortouch | Existing Harbortouch merchants upgrading within Shift4. | Clover vs Shift4 / Harbortouch |
Clover is one of the alternatives, and the one we offer. Here is where it tends to fit best:
Pick a day with a normal, not record, volume so staff can learn on real sales without a rush.
We read your current statement with you, explain each line and quote Clover to your volume and card mix.
We build your catalog or menu, tax rates and employee permissions in advance so install day is about training, not data entry.
Setup happens with you in the room: devices where they will really be used, your items in the words your staff use, every payment type tested and a short training session for each shift.
We start with what you pay and how you sell today. After a free rate review, we quote the Clover devices and processing that fit, ship them configured and install them on site with your staff in the room.
Facts about Heartland summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Heartland before you decide. Merchant Fund Express is not affiliated with Heartland.
Heartland says it is a Global Payments company and is transitioning to the Global Payments brand.
At Merchant Fund Express, yes. Call (305) 384-8391 and we will walk through your current statement for free before you decide anything.
Yes. Send or read us a recent statement and we will walk through it with no obligation.
Station Duo, Station Solo, Mini, Flex, Flex Pocket, Kitchen Display 14 and 24 inch, and Kiosk. We do not offer Clover Go or a no-hardware plan.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
