There has been a new round of rate increases affecting businesses that use Heartland and Global Payments, and if you’re not reviewing your statements carefully, you might already be paying more.
Just last week, Heartland issued a notice that new processing fees will take effect starting June 2025. Many businesses won’t know until the charges quietly show up on their next statement.
📄 What’s Changing?
Heartland’s June Fee Increase Businesses were notified that fees will go up due to “processing efficiencies.” 👉 See the announcement (screenshot attached)
Annual Reporting Fee – $245 Often labeled vaguely, charged per location
Infrastructure Upgrade Fee – $254 (one-time) No transparency, no opt-in
PCI Non-Compliance Fee – $125+/mo Even compliant businesses are sometimes flagged and billed
Source: Merchant Cost Consulting
Why It Matters
These aren’t negotiated or explained clearly. They’re system-wide increases that show up as line items, not line calls. If you don’t audit your statement, you’ll pay them by default.
What You Can Do
Review your latest merchant statement
Look for these charges by name or anything labeled “new fee,” “infrastructure,” or “reporting”
Ask for a free analysis to know if you're being overbilled
I’m a Senior Consultant at Merchant Cost Consulting and can review your statement for free. No switch required. No pressure.
Best case: we uncover thousands in savings. Worst case: you confirm you're in a good spot.
Upload your statement, or message me directly.