Finally see what you're actually paying for card processing.
Hart Payments compares your current processing costs against transparent, interchange-based pricing, and reviews your setup for security gaps along the way. Free, with no obligation to switch.
Get My Free EvaluationWhere most processors leave you guessing
Three places businesses usually get stuck with a traditional processor, and what Hart does differently at each one.
Stacked, Unclear Pricing
Most processors bundle several markups into tiered categories, so a transaction can quietly land in a more expensive bucket without you knowing why your rate changed.
Interchange-Based Pricing
You see the real interchange cost plus one disclosed markup, transaction by transaction, so the number on your statement matches the math.
Security As An Afterthought
Most processors are focused on moving money, not on whether your current setup has gaps in encryption, compliance, or fraud monitoring.
A Real Security Review
Every evaluation includes a look at how your current setup handles card data, so gaps surface before they turn into a real problem.
A Different Rep Every Call
When something goes wrong, you're often re-explaining your business to whoever happens to pick up the phone that day.
A Team You Can Actually Reach
You work with the same team from your first call onward, backed by processing partners at national scale.
| Typical Processor | Hart Payments | |
|---|---|---|
| Pricing Model | Tiered, stacked markups | Interchange-based, one disclosed markup |
| Security Review | Not included | Included with every evaluation |
| Your Contact | Rotating support queue | Same team, start to finish |
| Conversion Time | Varies, often unclear | About a week |
Three steps, no pressure
Nothing here requires switching anything up front.
Reach Out
Submit the form below with a few details about your business, and a member of the team will follow up to schedule your evaluation.
Free Evaluation
A short conversation comparing your current pricing against interchange-based pricing, plus a review of your setup's security.
Decide, No Pressure
If it makes sense, we'll help you switch, usually in about a week. If not, you'll still know exactly where you stand.
What every evaluation includes
Four things that hold true for every business Hart evaluates, whether you end up switching or not.
Your Real Numbers, Clearly Explained
The actual interchange cost and one disclosed markup, not several bundled fees you have to decode from a statement.
A Genuine Security Check
A look at how your current setup handles card data and where common gaps show up, not a sales pitch dressed up as an audit.
About A Week To Convert
If switching makes sense, most businesses are live on the new setup in about a week, with no gap in your ability to take payments.
One Team, Start To Finish
The person who runs your evaluation is the same person you'll reach if something needs attention later.
Every configuration Hart puts in place is built to PCI DSS standards, with encryption and fraud monitoring included from day one.
Straight answers
Do I have to switch processors to get the evaluation?
No. The evaluation is a comparison, not a commitment. Worst case, you find out you're already getting a fair deal and your setup is secure, with no obligation attached to taking a look.
What's the actual difference between interchange-based pricing and what I have now?
Most processors bundle several markups into tiered categories, and a transaction can quietly land in a more expensive tier without an obvious reason why. Interchange-based pricing prices every transaction at the real card-network cost plus one disclosed markup, so what you see on your statement is what the math actually says.
What does the security review actually check?
How your current setup handles card data, whether your equipment and software are current, and where common gaps show up, things like unencrypted terminals, lapsed PCI compliance, or weak fraud monitoring. You get a plain answer on where you stand.
How long does switching take, and will it disrupt my business?
Most businesses are converted in about a week. Setup and testing happen before your old processing is turned off, so there isn't a gap where you can't take a payment.
Do I need new equipment?
Not necessarily. Many existing terminals and POS systems can be reprogrammed rather than replaced. We'll tell you upfront if yours can't be, before you commit to anything.
Is there a cost to the evaluation?
No. It's free, and there's no obligation tied to it.
What are your rates?
Rates depend on your specific business, card mix, and processing volume, so we go over real numbers together rather than quoting a generic figure. Reach out and we'll set that up.
Who will I actually be talking to?
A member of the Hart Payments team, the same person from your first call onward, not a rotating support queue.
Is my payment data more secure with Hart?
Every setup we put in place meets PCI DSS standards, with encryption and fraud monitoring built in from day one, and the security review flags anything in your current setup that falls short of that.
What if I decide not to switch?
Nothing happens. You'll have a clear picture of your costs and any security gaps either way, with no pressure or follow-up pitch if it's not a fit.
See where you stand
Tell us a bit about your business and we'll follow up to schedule your free evaluation, a real pricing comparison plus a security review, with no obligation attached.
- No obligation to switch
- Explained by a person, not a call center
- Real numbers, not a generic quote
Request Your Free Evaluation
Tell us a bit about your business and we'll follow up to schedule your evaluation.
Thanks, we've got it.
A member of the Hart Payments team will reach out shortly to schedule your free evaluation.