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Merchant Services

Horicon Bank has partnered with Heartland Payment Systems to deliver the industry’s leading merchant processing solutions. By combining our banking expertise with Heartland's premier payment processing network, you can enjoy a one-stop solution for all of your banking and payment processing needs.

Choosing the right payments partner can be critical to your bottom line. Heartland payment processing allows your business to accept all forms of payment, while you remain secure in the knowledge that you've partnered with a company dedicated to helping entrepreneurs succeed. If you have a payment processing need, Horicon Bank and Heartland have the solution.

Secure Card Processing

Backed by a comprehensive breach warranty, Heartland Secure uses EMV, end-to-end encryption and tokenization to protect your customer's credit card data.

Interchange-Plus Pricing

You'll always know how much you pay us and how much goes to the card brands - which means no arbitrary price increases and full realization of cost reductions.

Next-Day Funding

Regardless of the bank relationship, merchants receive their money from all card transactions the very next business day.

Flexible Processing Options

When you process through Heartland, you can take payments:


  • Instore
  • Online
  • Offsite

Via Any Method:

  • Apple Pay
  • Samsung Pay
  • Android Pay
  • PayPal
  • Credit and Debit
  • Gift Card

On Any Device:

  • Point-of-Sale Terminal
  • Tablet
  • Mobile Phone
  • Virtual Terminal

Payment solutions are available for:

  • Retail
  • Restaurants
  • Supermarkets
  • Lodging/Hospitality
  • Education/Government
  • Mail order/E-commerce

More Features and Benefits:

  • Robust reporting and analytics
  • Consolidated statments
  • Free account reviews
  • A+ Better Business Bureau rating

To learn more, or request a quote, contact any of our Business Bankers, or a Personal Banker at any of our locations.


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